Constraining the covariance between
credit scores and heart age to its initial level, absent adjustment for childhood factors, resulted in significantly
poorer fit -LCB-[Δχ2 (1), n
= 817]
= 3.97, P
= 0.046 -RCB-, indicating that a significant portion of
credit -
score - to - heart - age covariance in adulthood was accounted for by the characteristic behaviors, skills, and attitudes study members developed in their first decade of life.