| bh_randomizer | Indicates randomizer behavioral pre-intervention | randomizer behavioral pre-intervention |
| bh_randomizer_flag | | indicates if preload randomizer was successful |
| r1_b1 | Consider the following scenario: Jack and Jill are twins. At age 20, Jack started contributing $20 a month to a savings account. After 20 years, when he was age 40, he stopped adding to his savings but left the money in the account. Jill didn’t start to save until she was 40. Then, she saved $20 a month until she retired 20 years later at age 60. Suppose both Jack and Jill earned a 6% return each year on their savings. When they both retired at age 60, who had more money? Select one choice.
| scenario 1 group 1 |
| r1_b2 | Mary put away $1,000 at age 25 after finishing her Master’s degree and she promised not to touch it for many years. She was able to invest in a stock mutual fund with an annual return of 7%. She is now 55 years old. How many times did her initial amount double since she invested at age 25? Select one choice.
| scenario 2 group 1 |
| r1_b3 | Suppose you are a member of a stock investment club. This year, the club has about $200,000 to invest in stocks and the members prefer not to take a lot of risk. Which of the following strategies would you recommend to your fellow members? Select one choice.
| scenario 3 group 1 |
| r1_b4 | Rita must choose between two job offers. She wants to select the job with a salary that will afford her the higher standard of living for the next few years. Job A offers a 3% raise every year, while Job B won’t give her a raise for the next few years. If Rita chooses Job A, she will live in City A. If Rita chooses Job B, she will live in City B. Rita finds that the price of goods and services today are about the same in both areas. Prices are expected to rise, however, by 4% in City A every year, and stay the same in City B.
| Job | Raise every year | City | Expected increase in prices |
| A | 3% | A | 4% |
| B | Stay the same | B | Stay the same |
Based on her concerns about standard of living, what should Rita do? Select one choice.
| scenario 4 group 1 |
| r2_b1 | Suppose you are a member of a stock investment club. This year, the club has about $200,000 to invest in stocks and the members prefer not to take a lot of risk. Which of the following strategies would you recommend to your fellow members? Select one choice.
| scenario 1 group 2 |
| r2_b2 | Imagine that you‘ve been with NewTech Inc. for the past ten years and just got a $5,000 bonus since the company is doing so well. Thrilled about the bonus, you’re thinking about investing it in the stock market. You never invested before but want to use this bonus to start saving for retirement. What option should you choose? Select one choice.
| scenario 2 group 2 |
| r2_b3 | Consider the following scenario: Jack and Jill are twins. At age 20, Jack started contributing $20 a month to a savings account. After 20 years, when he was age 40, he stopped adding to his savings but left the money in the account. Jill didn’t start to save until she was 40. Then, she saved $20 a month until she retired 20 years later at age 60. Suppose both Jack and Jill earned a 6% return each year on their savings. When they both retired at age 60, who had more money? Select one choice.
| scenario 3 group 2 |
| r2_b4 | Rita must choose between two job offers. She wants to select the job with a salary that will afford her the higher standard of living for the next few years. Job A offers a 3% raise every year, while Job B won’t give her a raise for the next few years. If Rita chooses Job A, she will live in City A. If Rita chooses Job B, she will live in City B. Rita finds that the price of goods and services today are about the same in both areas. Prices are expected to rise, however, by 4% in City A every year, and stay the same in City B.
| Job | Raise every year | City | Expected increase in prices |
| A | 3% | A | 4% |
| B | Stay the same | B | Stay the same |
Based on her concerns about standard of living, what should Rita do? Select one choice.
| scenario 4 group 2 |
| r3_b1 | Rita must choose between two job offers. She wants to select the job with a salary that will afford her the higher standard of living for the next few years. Job A offers a 3% raise every year, while Job B won’t give her a raise for the next few years. If Rita chooses Job A, she will live in City A. If Rita chooses Job B, she will live in City B. Rita finds that the price of goods and services today are about the same in both areas. Prices are expected to rise, however, by 4% in City A every year, and stay the same in City B.
| Job | Raise every year | City | Expected increase in prices |
| A | 3% | A | 4% |
| B | Stay the same | B | Stay the same |
Based on her concerns about standard of living, what should Rita do? Select one choice.
| scenario 1 group 3 |
| r3_b2 | Adele is 50 years old and is discussing three investment opportunities with a friend. She has already put aside a good sum of money and wants to invest it for the next 10 years, after that she will take an early retirement and move to Florida. She wants to play it safe, so she could invest in a) a saving account that pays 1% per year, b) a T-bill that pays 1.5% per year, or c) a certificate of deposit that pays 2%. The current inflation rate is 2.5% and expected to stay at that level. Her friend tells her that if she invests in this way, she will not be able to buy the same things she can afford today with the sum of money she has in 10 years. Which of the following is correct?
| scenario 2 group 3 |
| r3_b3 | Consider the following scenario: Jack and Jill are twins. At age 20, Jack started contributing $20 a month to a savings account. After 20 years, when he was age 40, he stopped adding to his savings but left the money in the account. Jill didn’t start to save until she was 40. Then, she saved $20 a month until she retired 20 years later at age 60. Suppose both Jack and Jill earned a 6% return each year on their savings. When they both retired at age 60, who had more money? Select one choice.
| scenario 3 group 3 |
| r3_b4 | Suppose you are a member of a stock investment club. This year, the club has about $200,000 to invest in stocks and the members prefer not to take a lot of risk. Which of the following strategies would you recommend to your fellow members? Select one choice.
| scenario 4 group 3 |
| r4_b1 | Consider the following scenario: Jack and Jill are twins. At age 20, Jack started contributing $20 a month to a savings account. After 20 years, when he was age 40, he stopped adding to his savings but left the money in the account. Jill didn’t start to save until she was 40. Then, she saved $20 a month until she retired 20 years later at age 60. Suppose both Jack and Jill earned a 6% return each year on their savings. When they both retired at age 60, who had more money? Select one choice.
| scenario 1 group 4 |
| r4_b2 | Mary put away $1,000 at age 25 after finishing her Master’s degree and she promised not to touch it for many years. She was able to invest in a stock mutual fund with an annual return of 7%. She is now 55 years old. How many times did her initial amount double since she invested at age 25? Select one choice.
| scenario 2 group 4 |
| r4_b3 | Suppose you are a member of a stock investment club. This year, the club has about $200,000 to invest in stocks and the members prefer not to take a lot of risk. Which of the following strategies would you recommend to your fellow members? Select one choice.
| scenario 3 group 4 |
| r4_b4 | Imagine that you‘ve been with NewTech Inc. for the past ten years and just got a $5,000 bonus since the company is doing so well. Thrilled about the bonus, you’re thinking about investing it in the stock market. You never invested before but want to use this bonus to start saving for retirement. What option should you choose? Select one choice.
| scenario 4 group 4 |
| r4_b5 | Rita must choose between two job offers. She wants to select the job with a salary that will afford her the higher standard of living for the next few years. Job A offers a 3% raise every year, while Job B won’t give her a raise for the next few years. If Rita chooses Job A, she will live in City A. If Rita chooses Job B, she will live in City B. Rita finds that the price of goods and services today are about the same in both areas. Prices are expected to rise, however, by 4% in City A every year, and stay the same in City B.
| Job | Raise every year | City | Expected increase in prices |
| A | 3% | A | 4% |
| B | Stay the same | B | Stay the same |
Based on her concerns about standard of living, what should Rita do? Select one choice.
| scenario 5 group 4 |
| r4_b6 | Adele is 50 years old and is discussing three investment opportunities with a friend. She has already put aside a good sum of money and wants to invest it for the next 10 years, after that she will take an early retirement and move to Florida. She wants to play it safe, so she could invest in a) a saving account that pays 1% per year, b) a T-bill that pays 1.5% per year, or c) a certificate of deposit that pays 2%. The current inflation rate is 2.5% and expected to stay at that level. Her friend tells her that if she invests in this way, she will not be able to buy the same things she can afford today with the sum of money she has in 10 years. Which of the following is correct?
| scenario 6 group 4 |
