To explain personal consumption (CONS) measured in dollars, data is collected for INC: personal income in dollars CRDTLIM: $1 plus the credit limit in dollars available to the individual APR: mean annualized percentage interest rate for borrowing for the individual ADVT: per person advertising expenditure in dollars by manufacturers in the city where the individual lives SEX: gender of the individual; 1 if female, 0 if male A regression analysis was performed with CONS as the dependent variable and CRDTLIM, APR, ADVT, and GENDER as the independent variables. The estimated model was CONS = 2.28-0.29* CRDTLIM +5.77*APR +2.35*ADVT+0.39*SEX What is the correct interpretation for the estimated coefficient for GENDER? A) Holding the effect of the other independent variables constant, mean personal consumption for females is estimated to be $0.39 higher than males. B) Holding the effect of the other independent variables constant, mean personal consumption for males is estimated to be $0.39 higher than females. C) Holding the effect of the other independent variables constant, mean personal consumption for females is estimated to be 0.39% higher than males. D) Holding the effect of the other independent variables constant, mean personal consumption for males is estimated to be 0.39% higher than females.