Among unmarried american teens, sexual abstinence is more likely for those with levels of intelligence and levels of religious engagement.

The correct answer for both blanks is "higher". People with higher intellect and higher religious engagement has a high chance of sexual abstinence than those who have lower IQs and religious engagements, since they have less self-control and discipline among themselves.

You don’t list any options but the one that frets overspending and the consequences of that.