Routing for UAS480

section_max_cnt := 8
section_cnt := 1
section_tracker := 1
intro (intro)
Thank you for participating in this survey and diary. We are studying how consumers buy goods and services using cash, checks, credit cards, debit cards, and other payment methods.

At any time in this survey, feel free to check your bank account or payment card records.

Click on any blue word to see its definition.

Try to answer all questions the best you can.

Tomorrow, after you finish this survey, you will begin the three-day Diary of Consumer Payment Choice. In the Diary, you will record and report all your payments for each day, along with you cash activity.

Please log on each evening to record your payments and cash activity for the day. It is important for you to log on even if you did not make any payments or have any cash activity for the day.
participated := getParticipated()
startdate := getUas480Startdate()
FLDay0 := date('l, F j', strtotime(startdate . ' -1 day'));
FLDay1 := date('l, F j', strtotime(startdate));
FLDay2 := date('l, F j', strtotime(startdate . ' +1 day'));
FLDay3 := date('l, F j', strtotime(startdate . ' +2 days'));
dummy := getSpanishDatesDay1To3()
FLDay := FLDay0
FLDayNum := '0'
if age = empty then
Group of questions presented on the same screen
dateofbirth_question
What is your date of birth?
dateofbirth_month (R DATE OF BIRTH MONTH)
Month
1 January
2 February
3 March
4 April
5 May
6 June
7 July
8 August
9 September
10 October
11 November
12 December
dateofbirth_day (R DATE OF BIRTH DAY)
Day
RANGE 1..31
dateofbirth_year (R DATE OF BIRTH YEAR)
Year
RANGE 1911..2001
End of group of questions
IF dateofbirth_year = EMPTY OR dateofbirth_year = "" THEN
agerange (R age range)
If you would rather not say, please choose a range below.
1 18-24
2 25-34
3 35-44
4 45-54
5 55-64
6 65-74
7 75-84
8 85+
Else
age := floor( (strtotime(date('Y-m-d')) - strtotime(dateofbirth_year . '-' . dateofbirth_month . '-' . dateofbirth_day)) / 31556926);
IF age > 100 THEN
age_check
Congratulations! That makes you [R age[]]. If this is correct please press Next to continue.

End of if
End of if
End of if
Group of questions presented on the same screen
FR001_intro (intro)
Financial Responsibility

Help us to understand your role in the financial activity of your household.

In your household, how much responsibility do you have for these tasks?

  • Check one per row only.


Subgroup of questions
FR001_a (Paying monthly bills (rent or mortgage, utilities, cell phone, etc.))
Paying monthly bills (rent or mortgage, utilities, cell phone, etc.)
1 None or almost none
2 Some
3 Shared equally with other household members
4 Most
5 All or almost all
FR001_b (Doing regular shopping for the household (groceries, household supplies, pharmacy, etc.))
Doing regular shopping for the household (groceries, household supplies, pharmacy, etc.)
1 None or almost none
2 Some
3 Shared equally with other household members
4 Most
5 All or almost all
FR001_d (Making decisions about saving and investments (whether to save, how much to save, where to invest, how much to borrow))
Making decisions about saving and investments (whether to save, how much to save, where to invest, how much to borrow)
1 None or almost none
2 Some
3 Shared equally with other household members
4 Most
5 All or almost all
FR001_e (Making decisions about other household financial matters (where to bank, what payment methods to use, setting up online bill payments, filing taxes))
Making decisions about other household financial matters (where to bank, what payment methods to use, setting up online bill payments, filing taxes)
1 None or almost none
2 Some
3 Shared equally with other household members
4 Most
5 All or almost all
End of subgroup of questions
End of group of questions
section_cnt := 2
section_tracker := 2
Fill code of question 'FLAS001' executed
AS001_intro (intro)
Please review these definitions of ways to pay.


Electronic payment methods
Bank account numberYou pay by giving your bank’s number (sometimes called a “routing number”) and your account number.
Online banking bill payA payment made from your bank’s online banking website or mobile app.
Mobile payments such as Venmo or ZelleAny app-based payment service which allows you to make payments to merchants or other people, using your mobile phone or tablet.

Card payment methods
Debit cardYour payments are deducted from your bank account. Also, you can use a debit card to withdraw or deposit cash at ATMs.
Credit cardYou pay back the credit card company later. Credit cards charge interest on balances that are not paid during the card’s billing cycle.
Prepaid cardYou store or load money on a prepaid card. Sometimes call "prepaid debit," "gift cards," "payroll cards," or "stored value cards."

Paper payment methods
CashCoins and paper bills.
Paper checkYou write a paper check to a person or business.
Money orderYou purchase a money order from a bank, post office, check-cashing store, or retail store. At the time of purchase, you specify the amount and the person or business to be paid.
[
In the questions that follow, please rate all payment methods, even if you do not use them.]
if participated = 2 then
if FLAS003AddRandom = empty then
FLAS003AddRandom := mt_rand(1,6)
End of if
if sizeof(AS003_order) = 0 then
AS003_order := shuffleArray(array(1 => 1, 2 => 2, 3 => 3, 4 => 4, 5 => 5, 6 => 6, 7 => 7))
permAS003_1 := AS003_order[1]
permAS003_2 := AS003_order[2]
permAS003_3 := AS003_order[3]
permAS003_4 := AS003_order[4]
permAS003_5 := AS003_order[5]
permAS003_6 := AS003_order[6]
permAS003_7 := AS003_order[7]
End of if
Loop from 1 to 7
if FLAS003AddRandom = 1 then
FLAS003_questions := array(1 => "AS003_a" . AS003_order[cnt], 2 => "AS003_b" . AS003_order[cnt], 3 => "AS003_h" . AS003_order[cnt], 4 => "AS003_c" . AS003_order[cnt], 5 => "AS003_d" . AS003_order[cnt], 6 => "AS003_e" . AS003_order[cnt], 7 => "AS003_f" . AS003_order[cnt], 8 => "AS003_g" . AS003_order[cnt], 9 => "AS003_i" . AS003_order[cnt])
elseif FLAS003AddRandom = 2 then
FLAS003_questions := array(1 => "AS003_a" . AS003_order[cnt], 2 => "AS003_b" . AS003_order[cnt], 3 => "AS003_h" . AS003_order[cnt], 4 => "AS003_f" . AS003_order[cnt], 5 => "AS003_g" . AS003_order[cnt], 6 => "AS003_i" . AS003_order[cnt], 7 => "AS003_c" . AS003_order[cnt], 8 => "AS003_d" . AS003_order[cnt], 9 => "AS003_e" . AS003_order[cnt])
elseif FLAS003AddRandom = 3 then
FLAS003_questions := array(1 => "AS003_c" . AS003_order[cnt], 2 => "AS003_d" . AS003_order[cnt], 3 => "AS003_e" . AS003_order[cnt], 4 => "AS003_a" . AS003_order[cnt], 5 => "AS003_b" . AS003_order[cnt], 6 => "AS003_h" . AS003_order[cnt], 7 => "AS003_f" . AS003_order[cnt], 8 => "AS003_g" . AS003_order[cnt], 9 => "AS003_i" . AS003_order[cnt])
elseif FLAS003AddRandom = 4 then
FLAS003_questions := array(1 => "AS003_c" . AS003_order[cnt], 2 => "AS003_d" . AS003_order[cnt], 3 => "AS003_e" . AS003_order[cnt], 4 => "AS003_f" . AS003_order[cnt], 5 => "AS003_g" . AS003_order[cnt], 6 => "AS003_i" . AS003_order[cnt], 7 => "AS003_a" . AS003_order[cnt], 8 => "AS003_b" . AS003_order[cnt], 9 => "AS003_h" . AS003_order[cnt])
elseif FLAS003AddRandom = 5 then
FLAS003_questions := array(1 => "AS003_f" . AS003_order[cnt], 2 => "AS003_g" . AS003_order[cnt], 3 => "AS003_i" . AS003_order[cnt], 4 => "AS003_a" . AS003_order[cnt], 5 => "AS003_b" . AS003_order[cnt], 6 => "AS003_h" . AS003_order[cnt], 7 => "AS003_c" . AS003_order[cnt], 8 => "AS003_d" . AS003_order[cnt], 9 => "AS003_e" . AS003_order[cnt])
elseif FLAS003AddRandom = 6 then
FLAS003_questions := array(1 => "AS003_f" . AS003_order[cnt], 2 => "AS003_g" . AS003_order[cnt], 3 => "AS003_i" . AS003_order[cnt], 4 => "AS003_c" . AS003_order[cnt], 5 => "AS003_d" . AS003_order[cnt], 6 => "AS003_e" . AS003_order[cnt], 7 => "AS003_a" . AS003_order[cnt], 8 => "AS003_b" . AS003_order[cnt], 9 => "AS003_h" . AS003_order[cnt])
End of if
Group of questions presented on the same screen
if AS003_order[cnt] = 1 then
AS003_a1_intro (intro)
Acceptance For Payment

Please rate how likely each payment method is to be accepted for payment by stores, companies, online merchants, and other people or organizations.

  • Please choose one answer in each row for all payment methods
elseif AS003_order[cnt] = 2 then
AS003_a2_intro (intro)
Cost

Please rate the cost of using each payment method.

Examples: Fees, penalties, postage, interest paid or lost, subscriptions, or materials can raise the cost of a payment method. Cash discounts and rewards (like frequent flyer miles) can lower the cost of a payment method.

  • Consider the cost of using or owning the payment method, not the cost of an item purchased.
  • Please choose one answer in each row for all payment methods.
elseif AS003_order[cnt] = 3 then
AS003_a3_intro (intro)
Convenience

Please rate the convenience of each payment method.

Examples: speed, control over payment timing, ease of use, effort to carry, ability to keep or store.

  • Please choose one answer in each row for all payment methods
elseif AS003_order[cnt] = 4 then
AS003_a4_intro (intro)
Security

Suppose a payment method has been stolen, misused, or accessed without the owner’s permission. Please rate the security of each method against permanent financial loss or unwanted disclosure of personal information.

  • Please choose one answer in each row for all payment methods
elseif AS003_order[cnt] = 5 then
AS003_a5_intro (intro)
Getting & Setting Up

Rate the task of getting or setting up each payment method before you can use it.

Examples: getting cash at the ATM, length of time to get or set up, paperwork, learning to use or install it, or travel.

  • Please choose one answer in each row for all payment methods
elseif AS003_order[cnt] = 6 then
AS003_a6_intro (intro)
Payment Records

Rate the quality of payment records offered by each payment method. Consider both paper and electronic records.

Examples: proof of purchase, account balances, spending history, usefulness in correcting errors or dispute resolution, or ease of storage.

  • Please choose one answer in each row for all payment methods
elseif AS003_order[cnt] = 7 then
AS003_a7_intro (intro)
Payment Speed

Rate the speed of of each payment method during a payment transaction. Examples of speed include the time spent at the payment counter, or the time spent on a website's checkout page.

Do not include delays unrelated to the actual use of the payment, such as waiting in line.

  • Please choose one answer in each row for all payment methods
End of if
Subgroup of questions
Loop from 1 to 9
Value of question 'FLAS003_questions[cnt1]' asked as question
End of loop
End of subgroup of questions
End of group of questions
End of loop
End of if
section_cnt := 3
section_tracker := 3
Group of questions presented on the same screen
PA001_intro (HOW MANY BANK ACCOUNTS INTRO)
Checking and Savings Accounts

Now we're going to ask you about your checking and savings accounts. When answering the questions, please keep the following in mind:

  • If you are married or living with a partner, please report only your accounts and those that are jointly held.
  • Do not include accounts held...
    • ...only by your spouse or partner
    • ...for business purposes only
    • ...at non-bank online payment services such as PayPal, Venmo, Square Cash, etc.

PA001_a (ANY BANK ACCOUNTS CHECKING)
Do you have any checking accounts?
1 (YES) Yes
2 (NO) No
PA001_b (ANY BANK ACCOUNTS SAVINGS)
Do you have any savings accounts?
1 (YES) Yes
2 (NO) No
End of group of questions
if PA001_a = 1 then
CHKADOPTER := '1'
Else
CHKADOPTER := '0'
End of if
if PA001_b = 1 then
SAVADOPTER := '1'
Else
SAVADOPTER := '0'
End of if
if PA001_a = 1 OR PA001_b = 1 then
BAADOPTER := '1'
Else
BAADOPTER := '0'
End of if
if BAADOPTER = 1 then
Group of questions presented on the same screen
IF CHKADOPTER = 1 THEN
pa001_a_num (NUMBER OF CHECKING ACCOUNTS)
How many checking accounts do you have?
1 1
2 2
3 3
4 4
5 5
6 6 or more
Else
pa001_a_num_skip := 1
End of if
if SAVADOPTER = 1 THEN
pa001_b_num (NUMBER OF SAVINGS ACCOUNTS)
How many savings accounts do you have?
1 1
2 2
3 3
4 4
5 5
6 6 or more
Else
pa001_b_num_skip := 1
End of if
End of group of questions
End of if
DCADOPTER := '0'
OBBPADOPTER := '0'
MOADOPTER := '0'
if CHKADOPTER = 0 then
if sizeof(PA002_order) = 0 then
PA002_order := shuffleArray(array(1,2,3,4,5,6))
permPA002_1 := PA002_order[1]
permPA002_2 := PA002_order[2]
permPA002_3 := PA002_order[3]
permPA002_4 := PA002_order[4]
permPA002_5 := PA002_order[5]
permPA002_6 := PA002_order[6]
End of if
Fill code of question 'PA002_fill' executed
Group of questions presented on the same screen
pa002 (WHY NO CHECKING ACCOUNT)
Please choose the most important reason why you don't have a checking account.
1 [I don't write enough checks to make it worthwhile /The minimum balance is too high/I don’t like dealing with banks/The fees and service charges are too high/No bank has convenient hours or location/No bank will give me a checking account]
2 [I don't write enough checks to make it worthwhile /The minimum balance is too high/I don’t like dealing with banks/The fees and service charges are too high/No bank has convenient hours or location/No bank will give me a checking account]
3 [I don't write enough checks to make it worthwhile /The minimum balance is too high/I don’t like dealing with banks/The fees and service charges are too high/No bank has convenient hours or location/No bank will give me a checking account]
4 [I don't write enough checks to make it worthwhile /The minimum balance is too high/I don’t like dealing with banks/The fees and service charges are too high/No bank has convenient hours or location/No bank will give me a checking account]
5 [I don't write enough checks to make it worthwhile /The minimum balance is too high/I don’t like dealing with banks/The fees and service charges are too high/No bank has convenient hours or location/No bank will give me a checking account]
6 [I don't write enough checks to make it worthwhile /The minimum balance is too high/I don’t like dealing with banks/The fees and service charges are too high/No bank has convenient hours or location/No bank will give me a checking account]
7 Other (please specify):
PA002_other (WHY NO CHECKING ACCOUNT TXT)
STRING
End of group of questions
Else
PA002_skip := 1
PA002_other_skip := 1
End of if
if BAADOPTER != 0 then
if CHKADOPTER = 1 then
Fill code of question 'FLPA031' executed
Group of questions presented on the same screen
PA031_intro
Checking Accounts

[Please tell us about the paper checks associated with your checking account(s).

/Please tell us about the paper checks associated with any of your checking accounts.

/]
PA031 (BLANK UNUSED CHECKS)
Do you have any blank, unused checks?
1 (YES) Yes
2 (NO) No
PA035 (WRITTEN A PAPER CHECK)
Have you written a paper check to make a payment in the past 12 months?
1 (YES) Yes
2 (NO) No
End of group of questions
End of if
if CHKADOPTER = 1 then
Group of questions presented on the same screen
PA008_intro (HOW MANY DEBIT ATM CARDS INTRO)
A debit card allows you to make purchases or payments in addition to allowing access to your bank accounts through an ATM.
  • If you are married or living with a partner, please report only your cards or those that are part of a joint account.
  • Do not include cards held...
    • ...only by your spouse or partner
    • ...for business purposes only
PA008_a (have any debit cards)
Do you have any debit cards?
1 (YES) Yes
2 (NO) No
End of group of questions
if PA008_a = 1 then
DCADOPTER := 1
pa008_a_num (NUMBER OF DEBIT CARDS)
How many debit cards do you have?
1 1
2 2
3 3
4 4
5 5
6 6 or more
Else
DCADOPTER := 0
pa008_a_num_skip := 1
End of if
Else
pa008_a_skip := 1
End of if
if pa001_a = 1 then
Group of questions presented on the same screen
pa012_intro
Now we'd like to know more about how you access your checking account(s).

PA013 (used online banking)
Using online banking involves accessing your bank’s website by entering a username and password. After entering your username and password, you can conduct transactions and check balances.

In the past 12 months, have you accessed any of your bank accounts using online banking?
1 (YES) Yes
2 (NO) No
PA026_a (USED MOBILE BANKING)
Using mobile banking involves downloading your bank’s mobile app onto your phone or tablet.

In the past 12 months, have you accessed any of your bank accounts using mobile banking?
1 (YES) Yes
2 (NO) No
End of subgroup of questions
End of group of questions
Else
pa013_skip := 1
pa026_a_skip := 1
End of if
if sizeof(pa092_order) = 0 then
pa092_order := shuffleArray(array(1 => 1, 2 => 2, 3 => 3, 4 => 4, 5 => 5, 6 => 6))
pa092_order[7] := 7
End of if
pa092 (paid any fees)
In the past 12 months, did you pay any of the following kinds of fees on your primary bank account? (check all that apply)
  • Your primary account is the account you use most often to make payments, not necessarily the account with the most money in it.
1 ATM fees for withdrawing cash
2 Overdraft fees
3 Bounced check fees
4 Low balance fees
5 Too-many-transactions fees
6 Teller fees
7 I did not pay any fees
Else
pa092_skip := 1
End of if
section_cnt := 4
section_tracker := 4
PA053 (HAVE ANY CREDIT CARD)
Credit cards allow you to make payments now, which you agree to pay back to the credit card company at a later date. You don't have to pay back the full amount at the end of the billing cycle, and you can carry a balance from month to month.

Do you have any credit cards?
1 (YES) Yes
2 (NO) No
if PA053 = YES then
CCADOPTER := '1'
pa056_num (NUMBER OF CREDIT CARDS)
How many crebit cards do you have?
1 1
2 2
3 3
4 4
5 5
6 6 or more
Else
CCADOPTER := '0'
pa056_num_skip := '1'
End of if
if CCADOPTER = 1 then
PA054 (HAVE ANY CREDIT CARD)
Think about the credit card you use most often to make payments.

Does your credit card give rewards?
1 (YES) Yes
2 (NO) No
PU009 (CARRY UNPAID BALANCE ON ANY CREDIT CARD)
During the past 12 months, did you carry an unpaid balance on any credit card from one month to the next (that is, you paid only part the balance due at the monthly due date)?
1 (YES) Yes
2 (NO) No
if PU009 = 1 then
PU010 (UNPAID BALANCE CREDIT CARDS CARRIED OVER LAST MONTH)
Last month, about how much was the unpaid balance on all your credit card(s) that you carried over from the previous month?

  • Enter 0 if none.
    if PU010 > 0 then
    pu011 (COMPARED TO 12 MONTHS AGO UNPAID CREDIT CARDS BALANCE)
    How would you compare your unpaid balance last month to your unpaid balance 12 months ago? Last month’s balance is...
    1 Much lower
    2 Lower
    3 About the same
    4 Higher
    5 Much higher
    6 I did not have a balance 12 months ago
    End of if
    End of if
    if sizeof(pa052_order) = 0 then
    pa052_order := shuffleArray(array(1 => 1, 2 => 2, 3 => 3, 4 => 4, 5 => 5, 6 => 6))
    pa052_order[7] := 7
    End of if
    PA052 (any fees on primary credit card)
    In the past 12 months, did you pay any of the following kinds of fees on your primary credit card? (check all that apply)
    • Your primary credit card is the card you use most often to make payments.
    1 Cash advance fee
    2 Late payment fee
    3 Balance transfer fee
    4 Annual fee
    5 Over-limit fee (also known as overdraft fee)
    6 Foreign transaction fee
    7 I did not pay any fees
    Else
    PA054_skip := 1
    PU009_skip := 1
    PA052_skip := 1
    End of if
    PCADOPTER := '0'
    Group of questions presented on the same screen
    PA198_intro (INTRO)
    Do you have any of the following types of prepaid cards?

    • For this screen, please do not include the gift card you received for being a study participant in the Understanding America Study when answering questions about prepaid cards you may own.
    Subgroup of questions
    PA198_a (Gift card from a store, merchant, or website)
    Gift card from a store, merchant, or website (examples: Home Depot, Target, Starbucks, iTunes)
    1 (YES) Yes
    2 (NO) No
    PA198_c (Public transportation card (subway, bus, train or ferry))
    Public transportation card or pass (subway, bus, train or ferry)
    1 (YES) Yes
    2 (NO) No
    PA198_f (EBT, WIC, SNAP, or TANF)
    EBT, WIC, SNAP, or TANF
    1 (YES) Yes
    2 (NO) No
    PA198_g (Payroll card (for wages or salary))
    Payroll card (for wages or salary)
    1 (YES) Yes
    2 (NO) No
    PA198_i (Benefit card (FSA, HRA, HSA, health care, day care))
    Benefit card (FSA, HRA, HSA, health care, day care)
    1 (YES) Yes
    2 (NO) No
    PA198_k (Rebate card from store, merchant, or website)
    Rebate card from store, merchant, or website
    1 (YES) Yes
    2 (NO) No
    End of subgroup of questions
    End of group of questions
    pa198_b (own prepaid card used where debit or credit card can)
    Do you own any of the type of prepaid card that can be used anywhere debit and credit cards are accepted?
    1 (YES) Yes
    2 (NO) No
    if PA198_a = 1 or PA198_b = 1 OR PA198_c = 1 or PA198_f = 1 or PA198_g = 1 or PA198_i = 1 or PA198_k = 1 then
    PCADOPTER := '1'
    End of if
    PA120_a (HEARD CRYPTO CURRENCY)
    Cryptocurrency exists online and is different from U.S. dollars ($), the euro (€), or other official foreign currencies. Cryptocurrency is sometimes called virtual currency or digital currency.

    Examples of cryptocurrency include Bitcoin, Ethereum, Litecoin and Dogecoin.

    Have you heard of Bitcoin or any other cryptocurrencies, such as Ethereum, Litecoin, or Dogecoin?
    1 (YES) Yes
    2 (NO) No
    if PA120_a = YES then
    PA121_a (OWN CRYPTOCURRENCY)
    Do you own any cryptocurrency?
    1 (YES) Yes
    2 (NO) No
    if PA121_a = YES then
    if sizeof(pa119_order) = 0 then
    pa119_order := shuffleArray(array(1 => 1, 2 => 2, 3 => 3, 4 => 4))
    pa119_order[5] := 5
    End of if
    Group of questions presented on the same screen
    PA119 (KINDS OF CRYPTOCURRENCIES OWNED)
    What kinds of cryptocurrency do you own? (check all that apply)
    1 Bitcoin
    2 Ethereum
    3 Dogecoin
    4 Litecoin
    5 Other, please specify:
    PA119_other (OTHER KINDS OF CRYPTOCURRENCIES OWNED )
    What kinds of cryptocurrency do you own? (check all that apply)
    STRING
    End of group of questions
    if sizeof(PA126_order) = 0 then
    PA126_order := shuffleArray(array(1 => 1, 2 => 2, 3 => 3, 4 => 4, 5 => 5, 6 => 6, 7 => 7, 8 => 8))
    permPA126_1 := PA126_order[1]
    permPA126_2 := PA126_order[2]
    permPA126_3 := PA126_order[3]
    permPA126_4 := PA126_order[4]
    permPA126_5 := PA126_order[5]
    permPA126_6 := PA126_order[6]
    permPA126_7 := PA126_order[7]
    permPA126_8 := PA126_order[8]
    End of if
    Fill code of question 'FLPA126' executed
    Group of questions presented on the same screen
    PA126_a (PRIMARY REASON VIRTUAL CURRENCY)
    Please tell us your primary reason for owning cryptocurrency.
    1 [I use it to buy goods and services in the United States./I use it to make ^FLRemittances or other international payments./It is an investment./It allows me to make payments anonymously./It uses secure blockchain technology to prevent loss and fraud./I am interested in new technologies./I do not trust banks./I do not trust the government or U.S. dollar.]
    2 [I use it to buy goods and services in the United States./I use it to make ^FLRemittances or other international payments./It is an investment./It allows me to make payments anonymously./It uses secure blockchain technology to prevent loss and fraud./I am interested in new technologies./I do not trust banks./I do not trust the government or U.S. dollar.]
    3 [I use it to buy goods and services in the United States./I use it to make ^FLRemittances or other international payments./It is an investment./It allows me to make payments anonymously./It uses secure blockchain technology to prevent loss and fraud./I am interested in new technologies./I do not trust banks./I do not trust the government or U.S. dollar.]
    4 [I use it to buy goods and services in the United States./I use it to make ^FLRemittances or other international payments./It is an investment./It allows me to make payments anonymously./It uses secure blockchain technology to prevent loss and fraud./I am interested in new technologies./I do not trust banks./I do not trust the government or U.S. dollar.]
    5 [I use it to buy goods and services in the United States./I use it to make ^FLRemittances or other international payments./It is an investment./It allows me to make payments anonymously./It uses secure blockchain technology to prevent loss and fraud./I am interested in new technologies./I do not trust banks./I do not trust the government or U.S. dollar.]
    6 [I use it to buy goods and services in the United States./I use it to make ^FLRemittances or other international payments./It is an investment./It allows me to make payments anonymously./It uses secure blockchain technology to prevent loss and fraud./I am interested in new technologies./I do not trust banks./I do not trust the government or U.S. dollar.]
    7 [I use it to buy goods and services in the United States./I use it to make ^FLRemittances or other international payments./It is an investment./It allows me to make payments anonymously./It uses secure blockchain technology to prevent loss and fraud./I am interested in new technologies./I do not trust banks./I do not trust the government or U.S. dollar.]
    8 [I use it to buy goods and services in the United States./I use it to make ^FLRemittances or other international payments./It is an investment./It allows me to make payments anonymously./It uses secure blockchain technology to prevent loss and fraud./I am interested in new technologies./I do not trust banks./I do not trust the government or U.S. dollar.]
    9 Other (please specify):
    PA126_a_other (OTHER PRIMARY REASON VIRTUAL CURRENCY)
    STRING
    End of group of questions
    PA137 (how manage and store virtual currency)
    Please describe where you deposit or store your cryptocurrency.
    STRING
    PA123 (value of owned cryptocurrency)
    What is the dollar value of cryptocurrency that you own, in U.S. dollars?
    • Please round to the nearest dollar.
    Group of questions presented on the same screen
    PA133_a (last 12 months buy cryptocurrency)
    In the past 12 months, did you buy any cryptocurrency?
    1 (YES) Yes
    2 (NO) No
    PA133_b (past 12 months sold cryptocurrency)
    In the past 12 months, have you sold any cryptocurrency?
    1 (YES) Yes
    2 (NO) No
    PA133_c (past 12 months used cryptocurrency)
    In the past 12 months, have you used cryptocurrency to make payments for goods or services?
    1 (YES) Yes
    2 (NO) No
    End of group of questions
    Else
    PA119_skip := 1
    PA126_a_skip := 1
    PA126_a_other_skip := 1
    PA137_skip := 1
    PA133_a_skip := 1
    PA133_b_skip := 1
    PA133_c_skip := 1
    End of if
    Else
    PA121_a_skip := 1
    End of if
    section_cnt := 5
    section_tracker := 5
    Group of questions presented on the same screen
    PA050_intro
    In the last 30 days, have you used any of the following payment methods to make a payment for goods, services, or bills, or to pay or give money to another person?

    Subgroup of questions
    PA050a (used cash)
    [Cash/Coins and paper bills.]
    1 (YES) Yes
    2 (NO) No
    IF CHKADOPTER = 1 THEN
    PA050b (used Check)
    [Paper check/You write a paper check to a person or business.]
    1 (YES) Yes
    2 (NO) No
    End of if
    PA050c (used Money order)
    [Money order/You purchase a money order from a bank, post office, check-cashing store, or retail store. At the time of purchase, you specify the amount and the person or business to be paid.]
    1 (YES) Yes
    2 (NO) No
    IF DCADOPTER = 1 THEN
    PA050d (used Debit card)
    [Debit card/Your payments are deducted from your bank account. Also, you can use a debit card to withdraw or deposit cash at ATMs.]
    1 (YES) Yes
    2 (NO) No
    End of if
    IF CCADOPTER = 1 THEN
    PA050e (used Credit card)
    [Credit card/You pay back the credit card company later. Credit cards charge interest.]
    1 (YES) Yes
    2 (NO) No
    End of if
    IF PCADOPTER = 1 THEN
    PA050f (used Prepaid card)
    [Prepaid card/You store or load money on a prepaid card. Sometimes called prepaid debit, gift cards, payroll cards, or stored value cards.]
    1 (YES) Yes
    2 (NO) No
    End of if
    IF BAADOPTER = 1 THEN
    PA050g (used Bank account number payment )
    [Bank account number payment/You pay by giving your bank's number (sometimes called a routing number) and your account number.]
    1 (YES) Yes
    2 (NO) No
    PA050h (used Online banking bill payment )
    [Online banking bill payment/A payment made from your bank's online banking website or mobile app.]
    1 (YES) Yes
    2 (NO) No
    End of if
    IF pa121_a = 1 THEN
    PA050j (used crypto currency)
    [Cryptocurrency/Examples of cryptocurrency include Bitcoin, Ethereum, Dogecoin, and Litecoin.]
    1 (YES) Yes
    2 (NO) No
    End of if
    End of subgroup of questions
    End of group of questions
    cashless01 (currently have any plans to stop using cash in future)
    Do you currently have any plans to stop using cash in the future?
    1 No, I do not have any plans to stop using cash
    2 Yes, I have already stopped using cash
    3 Yes, in the next 2 years
    4 Yes, 2 to 5 years from now
    5 Yes, more than 5 years from now
    if cashless01 in [2,3,4,5] then
    if sizeof(cashless02_order) = 0 then
    cashless02_order := shuffleArray(array(1 => 1, 2 => 2, 3 => 3, 4 => 4))
    cashless02_order[5] := 5
    End of if
    Group of questions presented on the same screen
    cashless02 (what stopped using cash for)
    Which of the following have you stopped doing? Select all that apply.

    I have stopped...
    1 ...using cash to pay for things
    2 ...holding cash in my pockets, wallet, or purse
    3 ...storing cash in places like my house, car, or office
    4 ...using cash to transfer money to friends or family
    5 Other, please specify:
    cashless02_other (other what stopped using cash for)
    STRING
    End of group of questions
    Loop from 1 to 5
    cashless03_order[cnt] := empty
    if cashless02_order[cnt] in cashless02 and cnt < 5 then
    cashless03_order[cnt] := empty
    Else
    cashless03_order[cnt] := cashless02_order[cnt]
    End of if
    End of loop
    if inArray(1,cashless03_order) OR inArray(2,cashless03_order) OR inArray(3,cashless03_order) OR inArray(4,cashless03_order) then
    Group of questions presented on the same screen
    cashless03 (what will stop using cash for)
    Which of the following are you planning to stop doing? Select all that apply.

    I plan to stop...
    1 ...using cash to pay for things
    2 ...holding cash in my pockets, wallet, or purse
    3 ...storing cash in places like my house, car, or office
    4 ...using cash to transfer money to friends or family
    5 Other, please specify:
    cashless03_other (other what will stop using cash for)
    STRING
    End of group of questions
    End of if
    End of if
    cashless04 (problematic if U.S. consumers stopped paying cash businesses stopped accepting cash)
    Would it be problematic for you if U.S. consumers stopped paying with cash or businesses stopped accepting cash?
    1 Yes
    2 No
    3 Don't know/Not sure
    if cashless04 in [1,2] then
    Fill code of question 'FLcashless' executed
    cashless05 (why yes/no problematic U.S. consumers stopped paying cash or businesses stopped accepting cash)
    Why [would/wouldn't] it be problematic for you if U.S. consumers stopped paying with cash or businesses stopped accepting cash?
    • Please describe in your own words.
    STRING
    End of if
    if cashless04 = 1 then
    if sizeof(cashless07_order) = 0 then
    cashless07_order := shuffleArray(array(1 => 1, 2 => 2, 3 => 3, 4 => 4, 5 => 5))
    cashless07_order[6] := 6
    End of if
    Group of questions presented on the same screen
    cashless06 (how cope if no cash in society)
    How would you cope if there was no cash in society as we know it today?
    1 I wouldn't cope at all. Cash is essential to how I live my life.
    2 I don't know how I would cope. Cash is very important to how I live my life.
    3 I would cope but losing cash would be a major inconvenience to how I live my life.
    4 I would cope. Losing cash would be a minor inconvenience to how I live my life.
    cashless07 (why difficult cashless society)
    Why would you find it difficult to cope in a cashless society?
    • Select all that apply
    1 I need cash for when other payment methods are not accepted, for example to pay workers, community groups, or charities.
    2 I use cash to monitor my spending or as a budgeting tool.
    3 I don't have access to a debit card or credit card, so cash is the only payment method that is accessible to me.
    4 I use cash in case of power outages or other events that make other payment methods unusable.
    5 I get paid in cash.
    6 Other, please specify:
    cashless07_other (other why difficult cashless society)
    STRING
    End of group of questions
    elseif cashless04 in [2,3] then
    if sizeof(cashless08_order) = 0 then
    cashless08_order := shuffleArray(array(1 => 1, 2 => 2, 3 => 3, 4 => 4, 5 => 5))
    cashless08_order[6] := 6
    End of if
    Group of questions presented on the same screen
    cashless08 (why other people difficult cashless society)
    What reasons do you think other people might give for having a hard time coping in a cashless society?
    • Select all that apply
    1 They need cash for when other payment methods are not accepted, for example to pay workers, community groups, or charities.
    2 They use cash to monitor my spending or as a budgeting tool.
    3 They don’t have access to a debit card or credit card, so cash is the only payment method that is accessible to me.
    4 They use cash in case of power outages or other events that make other payment methods unusable
    5 They get paid in cash.
    6 Other, please specify:
    cashless08_other (other why other people difficult cashless society)
    STRING
    End of group of questions
    End of if
    bnpl001 (heard of buy now pay later)
    Have you heard of paying for goods and services using a payment method called Buy Now, Pay Later?
    1 Yes
    2 No
    3 I don't know
    bnpl002 (heard of buy now pay later)
    "Buy now, pay later" allows people to make a purchase and spread payments over a period of time. This type of payment is sometimes offered by online stores when checking out through finance companies called Affirm, AfterPay, Klarna, QuadPay, Sezzle, etc. This type of payment is like a loan, but for smaller purchases and sometimes without any interest to pay.

    Give the description above, have you been offered to use Buy Now, Pay Later when making a purchase?
    1 Yes
    2 No
    3 I don't know
    if bnpl002 = 1 then
    bnpl005 (most recent experience offered buy now, pay later)
    To better understand your experience, in your own words, please briefly describe the most recent time you were offered Buy Now, Pay Later when making a purchase.
    STRING
    bnpl003 (paid with buy now, pay later)
    In the last 30 days, have you paid for a good or service using Buy Now, Pay Later?
    1 Yes
    2 No
    3 I don't know
    if bnpl003 = 1 then
    Group of questions presented on the same screen
    bnpl006 (how many times use buy now pay later last 30 days)
    In the last 30 days, how many times did you use Buy Now, Pay Later when making a purchase?
    1 1
    2 2
    3 3 to 5
    4 More than 5
    bnpl004 (number of installments for most recent buy now, pay later)
    For your most recent Buy Now, Pay Later purchase, how many installments will you or did you make to pay the full amount owed?
    2 2
    3 3
    4 4
    5 5
    6 6 or more
    End of group of questions
    End of if
    End of if
    q1 (any paper cash)
    It is important that we know how much cash you started this diary period with.

    At the end of the day on [[]] do you have any paper cash in your wallet, purse and/or pocket?
    1 (YES) Yes
    2 (NO) No
    IF q1 = 2 THEN
    amntcashend_day0 := 0
    ELSEIF q1 = 1 THEN
    Group of questions presented on the same screen
    ch001
    Cash in wallet, purse and/or pocket

    Please tell us the number of bills of each denomination in your wallet, purse and/or pocket at the end of the day on [[]].

    Your total dollar amount will be automatically calculated.

    • Do not consider coins.
    • Do not include foreign currencies.
    denom1_num (Number of $1 bills)
    Number of $1 bills
    RANGE 0..50000
    denom1_amnt (Amount of $1 bills)
    Amount of $1 bills
    denom2_num (Number of $2 bills)
    Number of $2 bills
    RANGE 0..50000
    denom2_amnt (Amount of $2 bills)
    Amount of $2 bills
    denom5_num (Number of $5 bills)
    Number of $5 bills
    RANGE 0..50000
    denom5_amnt (Amount of $5 bills)
    Amount of $5 bills
    denom10_num (Number of $10 bills)
    Number of $10 bills
    RANGE 0..50000
    denom10_amnt (Amount of $10 bills)
    Amount of $10 bills
    denom20_num (Number of $20 bills)
    Number of $20 bills
    denom20_amnt (Amount of $20 bills)
    Amount of $20 bills
    denom50_num (Number of $50 bills)
    Number of $50 bills
    RANGE 0..50000
    denom50_amnt (Amount of $50 bills)
    Amount of $50 bills
    denom100_num (Number of $100 bills)
    Number of $100 bills
    RANGE 0..50000
    denom100_amnt (Amount of $100 bills)
    Amount of $100 bills
    amntcashend_day0 (amount in cash end of day 0)
    Total
    End of group of questions
    End of if
    PA015_b (any cash stored in home, car, office)
    Do you have any cash stored elsewhere in your home, car, office, etc.?
    1 (YES) Yes
    2 (NO) No
    IF pa015_b = 1 THEN
    Group of questions presented on the same screen
    ch002
    Cash stored elsewhere

    Please tell us the number of bills of each denomination stored elsewhere in your home, car, office, etc., at the end of the day on [[]].

    Your total dollar amount will be automatically calculated.

    • Do not consider coins.
    • Do not include foreign currencies.
    storedcash1_num (Number of $1 bills stored)
    Number of $1 bills
    RANGE 0..50000
    storedcash1_amnt (Amount of $1 bills stored)
    Amount of $1 bills
    storedcash2_num (Number of $2 bills stored)
    Number of $2 bills
    RANGE 0..50000
    storedcash2_amnt (Amount of $2 bills stored)
    Amount of $2 bills
    storedcash5_num (Number of $5 bills stored)
    Number of $5 bills
    RANGE 0..50000
    storedcash5_amnt (Amount of $5 bills stored)
    Amount of $5 bills
    storedcash10_num (Number of $10 bills stored)
    Number of $10 bills
    RANGE 0..50000
    storedcash10_amnt (Amount of $10 bills stored)
    Amount of $10 bills
    storedcash20_num (Number of $20 bills stored)
    Number of $20 bills
    storedcash20_amnt (Amount of $20 bills stored)
    Amount of $20 bills
    storedcash50_num (Number of $50 bills stored)
    Number of $50 bills
    RANGE 0..50000
    storedcash50_amnt (Amount of $50 bills stored)
    Amount of $50 bills
    storedcash100_num (Number of $100 bills stored)
    Number of $100 bills
    RANGE 0..50000
    storedcash100_amnt (Amount of $100 bills stored)
    Amount of $100 bills
    storedcash_total_amnt (amount in cash end of day 0 stored)
    Total
    End of group of questions
    End of if
    section_cnt := 6
    section_tracker := 6
    Group of questions presented on the same screen
    PA301 (any payments using computer)
    In the last 30 days, have you made any payments using a computer?
    1 (YES) Yes
    2 (NO) No
    PA302 (any payments using mobile phone or tablet)
    In the last 30 days, have you made any payments using a mobile phone or tablet?
    1 (YES) Yes
    2 (NO) No
    End of group of questions
    PA024 (SET UP AUTOMATIC BILL PAYMENT)
    An automatic bill payment is a payment set up to occur on a regularly scheduled basis, typically monthly. Once set up, they do not require any additional effort on the consumer’s part.

    Automatic bill payments can be made using a:
    Do you have any automatic bill payments set up to occur this month?
    1 (YES) Yes
    2 (NO) No
    if PA024 = YES then
    ABPADOPTER := '1'
    Else
    ABPADOPTER := '0'
    End of if
    Group of questions presented on the same screen
    PA303 (any payments in store using mobile phone or tablet)
    In the last 30 days, have you used a mobile phone or tablet to make a payment while you were in-person at a store?
    1 (YES) Yes
    2 (NO) No
    PA304 (any payment give money using mobile phone or tablet)
    In the last 30 days, have you used a mobile phone or tablet to pay or give money to another person?
    1 (YES) Yes
    2 (NO) No
    End of group of questions
    Group of questions presented on the same screen
    PA044_intro
    In the past 12 months, have you used any of the following online or mobile methods to make a purchase or pay another person?

    Subgroup of questions
    PA044_a (PAYPAL PAYMENT IN PAST 12 MONTHS)
    PayPal
    1 (YES) Yes
    2 (NO) No
    PA044_b (ZELLE PAYMENT IN PAST 12 MONTHS)
    Zelle
    1 (YES) Yes
    2 (NO) No
    PA044_c (VENMO PAYMENT IN PAST 12 MONTHS)
    Venmo
    1 (YES) Yes
    2 (NO) No
    PA044_d (CASH APP PAYMENT IN PAST 12 MONTHS)
    Cash App
    1 (YES) Yes
    2 (NO) No
    PA044_g (APPLE PAY PAYMENT IN PAST 12 MONTHS)
    Apple Pay
    1 (YES) Yes
    2 (NO) No
    PA044_h (GOOGLE PAY PAYMENT IN PAST 12 MONTHS)
    Google Pay
    1 (YES) Yes
    2 (NO) No
    PA044_i (SAMSUNG PAY PAYMENT IN PAST 12 MONTHS)
    Samsung Pay
    1 (YES) Yes
    2 (NO) No
    PA044_e (OTHER PAY PAYMENT IN PAST 12 MONTHS)
    Other, please specify:
    1 (YES) Yes
    2 (NO) No
    End of subgroup of questions
    PA044_e_other (SPECIFY OTHER PAY PAYMENT IN PAST 12 MONTHS)
    STRING
    End of group of questions
    PA040_e (USED REMITTANCE IN PAST 12 MONTHS)
    A remittance is a transfer of money to a person who lives in, or has accounts in, another country.

    In the past 12 months, have you sent a remittance to a person or account in another country?
    1 (YES) Yes
    2 (NO) No
    Group of questions presented on the same screen
    PA042_a (PURCHASED MONEY ORDERS FROM NON-BANK IN PAST 12 MONTHS)
    In the past 12 months, did you purchase any money orders from a non-bank source?
    • Examples of non-bank sources include the post office, Western Union, and Walmart.
    1 (YES) Yes
    2 (NO) No
    if PA040_e = YES then
    PA042_e (SENT REMITTANCE FROM NON-BANK IN PAST 12 MONTHS)
    Did you send any of the remittances you used in the past 12 months from a non-bank source?
    • Examples of non-bank remittance senders include MoneyGram, Western Union, TransferWise, OFX, and Xoom.
    1 (YES) Yes
    2 (NO) No
    End of if
    End of group of questions
    PA055_a2 (use check cashing store)
    In the past 12 months, have you used a check cashing store to get cash?
    1 (YES) Yes
    2 (NO) No
    IF pa042_a = YES or pa042_e = YES or pa055_a2 = YES then
    Group of questions presented on the same screen
    IF pa042_a = YES then
    PA042_a_followup (HOW MANY MONEY ORDERS FROM NON-BANK IN PAST 30 DAYS)
    In the past 30 days, how many times did you purchase any money orders from a non-bank source?
    • Examples of non-bank sources include the post office, Western Union, and Walmart.
    RANGE 0..100
    End of if
    IF pa042_e = YES then
    PA042_e_followup (HOW MANY REMITTANCES FROM NON-BANK IN PAST 30 DAYS)
    In the past 30 days, how many times did you send a remittance from a non-bank source?
    • Examples of non-bank remittance senders include MoneyGram, Western Union, TransferWise, OFX, and Xoom.
    RANGE 0..100
    End of if
    IF pa055_a2 = YES then
    pa055_a2_followup (HOW MANY TIMES USED CHECK CASHING STORE IN PAST 30 DAYS)
    In the past 30 days, how many times did you use a check cashing store to get cash?
    RANGE 0..100
    End of if
    End of group of questions
    End of if
    section_cnt := 7
    section_tracker := 7
    Fill code of question 'FLq115_b' executed
    q115_b (most prefered payment method bill payments)
    Bill payment preferences

    Please tell us the payment method you most prefer to use for making bill payments.
    1 [Cash/Check/Credit card/Debit card/Prepaid/Gift/EBT card/Bank account number payment/Online banking bill payment/Money order/Traveler’s check/Mobile payment apps, such as PayPal, Zelle, Venmo, Square Cash, MoneyGram, Western Union, etc./Account-to-account transfer/Mobile phone payment/Other payment method]
    2 [Cash/Check/Credit card/Debit card/Prepaid/Gift/EBT card/Bank account number payment/Online banking bill payment/Money order/Traveler’s check/Mobile payment apps, such as PayPal, Zelle, Venmo, Square Cash, MoneyGram, Western Union, etc./Account-to-account transfer/Mobile phone payment/Other payment method]
    3 [Cash/Check/Credit card/Debit card/Prepaid/Gift/EBT card/Bank account number payment/Online banking bill payment/Money order/Traveler’s check/Mobile payment apps, such as PayPal, Zelle, Venmo, Square Cash, MoneyGram, Western Union, etc./Account-to-account transfer/Mobile phone payment/Other payment method]
    4 [Cash/Check/Credit card/Debit card/Prepaid/Gift/EBT card/Bank account number payment/Online banking bill payment/Money order/Traveler’s check/Mobile payment apps, such as PayPal, Zelle, Venmo, Square Cash, MoneyGram, Western Union, etc./Account-to-account transfer/Mobile phone payment/Other payment method]
    5 [Cash/Check/Credit card/Debit card/Prepaid/Gift/EBT card/Bank account number payment/Online banking bill payment/Money order/Traveler’s check/Mobile payment apps, such as PayPal, Zelle, Venmo, Square Cash, MoneyGram, Western Union, etc./Account-to-account transfer/Mobile phone payment/Other payment method]
    6 [Cash/Check/Credit card/Debit card/Prepaid/Gift/EBT card/Bank account number payment/Online banking bill payment/Money order/Traveler’s check/Mobile payment apps, such as PayPal, Zelle, Venmo, Square Cash, MoneyGram, Western Union, etc./Account-to-account transfer/Mobile phone payment/Other payment method]
    7 [Cash/Check/Credit card/Debit card/Prepaid/Gift/EBT card/Bank account number payment/Online banking bill payment/Money order/Traveler’s check/Mobile payment apps, such as PayPal, Zelle, Venmo, Square Cash, MoneyGram, Western Union, etc./Account-to-account transfer/Mobile phone payment/Other payment method]
    8 [Cash/Check/Credit card/Debit card/Prepaid/Gift/EBT card/Bank account number payment/Online banking bill payment/Money order/Traveler’s check/Mobile payment apps, such as PayPal, Zelle, Venmo, Square Cash, MoneyGram, Western Union, etc./Account-to-account transfer/Mobile phone payment/Other payment method]
    9 [Cash/Check/Credit card/Debit card/Prepaid/Gift/EBT card/Bank account number payment/Online banking bill payment/Money order/Traveler’s check/Mobile payment apps, such as PayPal, Zelle, Venmo, Square Cash, MoneyGram, Western Union, etc./Account-to-account transfer/Mobile phone payment/Other payment method]
    10 [Cash/Check/Credit card/Debit card/Prepaid/Gift/EBT card/Bank account number payment/Online banking bill payment/Money order/Traveler’s check/Mobile payment apps, such as PayPal, Zelle, Venmo, Square Cash, MoneyGram, Western Union, etc./Account-to-account transfer/Mobile phone payment/Other payment method]
    11 [Cash/Check/Credit card/Debit card/Prepaid/Gift/EBT card/Bank account number payment/Online banking bill payment/Money order/Traveler’s check/Mobile payment apps, such as PayPal, Zelle, Venmo, Square Cash, MoneyGram, Western Union, etc./Account-to-account transfer/Mobile phone payment/Other payment method]
    12 [Cash/Check/Credit card/Debit card/Prepaid/Gift/EBT card/Bank account number payment/Online banking bill payment/Money order/Traveler’s check/Mobile payment apps, such as PayPal, Zelle, Venmo, Square Cash, MoneyGram, Western Union, etc./Account-to-account transfer/Mobile phone payment/Other payment method]
    13 [Cash/Check/Credit card/Debit card/Prepaid/Gift/EBT card/Bank account number payment/Online banking bill payment/Money order/Traveler’s check/Mobile payment apps, such as PayPal, Zelle, Venmo, Square Cash, MoneyGram, Western Union, etc./Account-to-account transfer/Mobile phone payment/Other payment method]
    Fill code of question 'FLq165_a' executed
    q165_a (most prefered payment method bill payments)
    In person payments preferences

    Now think about non-bill payments that you make in person. These are your everyday shopping trips and day-to-day purchases at a store. We’ll ask about online purchases next.

    Please tell us the payment method you most prefer to use for making in person payments.
    1 [Cash/Check/Credit card/Debit card/Prepaid/Gift/EBT card/Bank account number payment/Online banking bill payment/Money order/Traveler’s check/Mobile payment apps, such as PayPal, Zelle, Venmo, Square Cash, MoneyGram, Western Union, etc./Account-to-account transfer/Mobile phone payment/Other payment method]
    2 [Cash/Check/Credit card/Debit card/Prepaid/Gift/EBT card/Bank account number payment/Online banking bill payment/Money order/Traveler’s check/Mobile payment apps, such as PayPal, Zelle, Venmo, Square Cash, MoneyGram, Western Union, etc./Account-to-account transfer/Mobile phone payment/Other payment method]
    3 [Cash/Check/Credit card/Debit card/Prepaid/Gift/EBT card/Bank account number payment/Online banking bill payment/Money order/Traveler’s check/Mobile payment apps, such as PayPal, Zelle, Venmo, Square Cash, MoneyGram, Western Union, etc./Account-to-account transfer/Mobile phone payment/Other payment method]
    4 [Cash/Check/Credit card/Debit card/Prepaid/Gift/EBT card/Bank account number payment/Online banking bill payment/Money order/Traveler’s check/Mobile payment apps, such as PayPal, Zelle, Venmo, Square Cash, MoneyGram, Western Union, etc./Account-to-account transfer/Mobile phone payment/Other payment method]
    5 [Cash/Check/Credit card/Debit card/Prepaid/Gift/EBT card/Bank account number payment/Online banking bill payment/Money order/Traveler’s check/Mobile payment apps, such as PayPal, Zelle, Venmo, Square Cash, MoneyGram, Western Union, etc./Account-to-account transfer/Mobile phone payment/Other payment method]
    6 [Cash/Check/Credit card/Debit card/Prepaid/Gift/EBT card/Bank account number payment/Online banking bill payment/Money order/Traveler’s check/Mobile payment apps, such as PayPal, Zelle, Venmo, Square Cash, MoneyGram, Western Union, etc./Account-to-account transfer/Mobile phone payment/Other payment method]
    7 [Cash/Check/Credit card/Debit card/Prepaid/Gift/EBT card/Bank account number payment/Online banking bill payment/Money order/Traveler’s check/Mobile payment apps, such as PayPal, Zelle, Venmo, Square Cash, MoneyGram, Western Union, etc./Account-to-account transfer/Mobile phone payment/Other payment method]
    8 [Cash/Check/Credit card/Debit card/Prepaid/Gift/EBT card/Bank account number payment/Online banking bill payment/Money order/Traveler’s check/Mobile payment apps, such as PayPal, Zelle, Venmo, Square Cash, MoneyGram, Western Union, etc./Account-to-account transfer/Mobile phone payment/Other payment method]
    9 [Cash/Check/Credit card/Debit card/Prepaid/Gift/EBT card/Bank account number payment/Online banking bill payment/Money order/Traveler’s check/Mobile payment apps, such as PayPal, Zelle, Venmo, Square Cash, MoneyGram, Western Union, etc./Account-to-account transfer/Mobile phone payment/Other payment method]
    10 [Cash/Check/Credit card/Debit card/Prepaid/Gift/EBT card/Bank account number payment/Online banking bill payment/Money order/Traveler’s check/Mobile payment apps, such as PayPal, Zelle, Venmo, Square Cash, MoneyGram, Western Union, etc./Account-to-account transfer/Mobile phone payment/Other payment method]
    11 [Cash/Check/Credit card/Debit card/Prepaid/Gift/EBT card/Bank account number payment/Online banking bill payment/Money order/Traveler’s check/Mobile payment apps, such as PayPal, Zelle, Venmo, Square Cash, MoneyGram, Western Union, etc./Account-to-account transfer/Mobile phone payment/Other payment method]
    12 [Cash/Check/Credit card/Debit card/Prepaid/Gift/EBT card/Bank account number payment/Online banking bill payment/Money order/Traveler’s check/Mobile payment apps, such as PayPal, Zelle, Venmo, Square Cash, MoneyGram, Western Union, etc./Account-to-account transfer/Mobile phone payment/Other payment method]
    13 [Cash/Check/Credit card/Debit card/Prepaid/Gift/EBT card/Bank account number payment/Online banking bill payment/Money order/Traveler’s check/Mobile payment apps, such as PayPal, Zelle, Venmo, Square Cash, MoneyGram, Western Union, etc./Account-to-account transfer/Mobile phone payment/Other payment method]
    q115_c_filter (q115 filter)
    In the past 12 months, have you made any online purchases (using a computer, mobile phone, or tablet) to buy goods and services (not to pay bills). Examples include purchases made on websites or apps such as Amazon, Walmart, etc
    1 (YES) Yes
    2 (NO) No
    IF q115_c_filter = YES then
    Fill code of question 'FLq115_c' executed
    q115_c (most prefered payment method bill payments)
    Online purchases preferences

    Please tell us the payment method you most prefer to use for making online purchases (using a computer, mobile phone, or tablet) to buy goods and services (not to pay bills). Examples include purchases made on websites or apps such as Amazon, Walmart, etc.
    1 [Cash/Check/Credit card/Debit card/Prepaid/Gift/EBT card/Bank account number payment/Online banking bill payment/Money order/Traveler’s check/Mobile payment apps, such as PayPal, Zelle, Venmo, Square Cash, MoneyGram, Western Union, etc./Account-to-account transfer/Mobile phone payment /Other payment method]
    2 [Cash/Check/Credit card/Debit card/Prepaid/Gift/EBT card/Bank account number payment/Online banking bill payment/Money order/Traveler’s check/Mobile payment apps, such as PayPal, Zelle, Venmo, Square Cash, MoneyGram, Western Union, etc./Account-to-account transfer/Mobile phone payment /Other payment method]
    3 [Cash/Check/Credit card/Debit card/Prepaid/Gift/EBT card/Bank account number payment/Online banking bill payment/Money order/Traveler’s check/Mobile payment apps, such as PayPal, Zelle, Venmo, Square Cash, MoneyGram, Western Union, etc./Account-to-account transfer/Mobile phone payment /Other payment method]
    4 [Cash/Check/Credit card/Debit card/Prepaid/Gift/EBT card/Bank account number payment/Online banking bill payment/Money order/Traveler’s check/Mobile payment apps, such as PayPal, Zelle, Venmo, Square Cash, MoneyGram, Western Union, etc./Account-to-account transfer/Mobile phone payment /Other payment method]
    5 [Cash/Check/Credit card/Debit card/Prepaid/Gift/EBT card/Bank account number payment/Online banking bill payment/Money order/Traveler’s check/Mobile payment apps, such as PayPal, Zelle, Venmo, Square Cash, MoneyGram, Western Union, etc./Account-to-account transfer/Mobile phone payment /Other payment method]
    6 [Cash/Check/Credit card/Debit card/Prepaid/Gift/EBT card/Bank account number payment/Online banking bill payment/Money order/Traveler’s check/Mobile payment apps, such as PayPal, Zelle, Venmo, Square Cash, MoneyGram, Western Union, etc./Account-to-account transfer/Mobile phone payment /Other payment method]
    7 [Cash/Check/Credit card/Debit card/Prepaid/Gift/EBT card/Bank account number payment/Online banking bill payment/Money order/Traveler’s check/Mobile payment apps, such as PayPal, Zelle, Venmo, Square Cash, MoneyGram, Western Union, etc./Account-to-account transfer/Mobile phone payment /Other payment method]
    8 [Cash/Check/Credit card/Debit card/Prepaid/Gift/EBT card/Bank account number payment/Online banking bill payment/Money order/Traveler’s check/Mobile payment apps, such as PayPal, Zelle, Venmo, Square Cash, MoneyGram, Western Union, etc./Account-to-account transfer/Mobile phone payment /Other payment method]
    9 [Cash/Check/Credit card/Debit card/Prepaid/Gift/EBT card/Bank account number payment/Online banking bill payment/Money order/Traveler’s check/Mobile payment apps, such as PayPal, Zelle, Venmo, Square Cash, MoneyGram, Western Union, etc./Account-to-account transfer/Mobile phone payment /Other payment method]
    10 [Cash/Check/Credit card/Debit card/Prepaid/Gift/EBT card/Bank account number payment/Online banking bill payment/Money order/Traveler’s check/Mobile payment apps, such as PayPal, Zelle, Venmo, Square Cash, MoneyGram, Western Union, etc./Account-to-account transfer/Mobile phone payment /Other payment method]
    11 [Cash/Check/Credit card/Debit card/Prepaid/Gift/EBT card/Bank account number payment/Online banking bill payment/Money order/Traveler’s check/Mobile payment apps, such as PayPal, Zelle, Venmo, Square Cash, MoneyGram, Western Union, etc./Account-to-account transfer/Mobile phone payment /Other payment method]
    12 [Cash/Check/Credit card/Debit card/Prepaid/Gift/EBT card/Bank account number payment/Online banking bill payment/Money order/Traveler’s check/Mobile payment apps, such as PayPal, Zelle, Venmo, Square Cash, MoneyGram, Western Union, etc./Account-to-account transfer/Mobile phone payment /Other payment method]
    13 [Cash/Check/Credit card/Debit card/Prepaid/Gift/EBT card/Bank account number payment/Online banking bill payment/Money order/Traveler’s check/Mobile payment apps, such as PayPal, Zelle, Venmo, Square Cash, MoneyGram, Western Union, etc./Account-to-account transfer/Mobile phone payment /Other payment method]
    End of if
    section_cnt := 8
    section_tracker := 8
    PH006 (CREDIT RATING )
    Please estimate your most recent credit rating, as measured by a FICO score?
    1 Below 600
    2 600-649
    3 650-699
    4 700-749
    5 750-800
    6 Above 800
    7 I don’t know
    PH004 (EVER VICTIM OF IDENTIFY THEFT)
    Identity theft is a fraud that is committed or attempted, using a person’s identifying information without authority. ID theft may involve stealing someone’s Social Security number (SSN), name, bank account, or credit card numbers, and using that information without permission.

    In the past 12 months, have you been a victim of identity theft?
    1 (YES) Yes
    2 (NO) No
    if CCADOPTER = 1 OR DCADOPTER = 1 OR CHKADOPTER = 1 then
    Group of questions presented on the same screen
    PH025_2_intro (OVERDRAW BANK ACCOUNT)
    In the past 12 months, have you had any fraud or fraudulent activity committed on any of these payment methods that you own?

    Subgroup of questions
    if CCADOPTER = 1 then
    PH025_2_b (FRAUD CREDIT CARD)
    [Credit card/You pay back the credit card company later. Credit cards charge interest.]
    1 (YES) Yes
    2 (NO) No
    Else
    ph025_2_b_skip := 1
    End of if
    if DCADOPTER = 1 then
    PH025_2_c (FRAUD DEBIT CARD)
    [Debit card/Your payments are deducted from your bank account. Also, you can use a debit card to withdraw or deposit cash at ATMs.]
    1 (YES) Yes
    2 (NO) No
    Else
    ph025_2_c_skip := 1
    End of if
    if CHKADOPTER = 1 then
    PH025_2_d (FRAUD CHECKS)
    [Paper checks/You write a paper check to a person or business.] or check book (from your own checking account)
    1 (YES) Yes
    2 (NO) No
    Else
    ph025_2_d_skip := 1
    End of if
    End of subgroup of questions
    End of group of questions
    End of if
    if sizeof(PH009_order) = 0 then
    PH009_order := shuffleArray(array(1 => 1, 2 => 2, 3 => 3, 4 => 4))
    permPH009_1 := PH009_order[1]
    permPH009_2 := PH009_order[2]
    permPH009_3 := PH009_order[3]
    permPH009_4 := PH009_order[4]
    End of if
    Fill code of question 'PH009_fill' executed
    Group of questions presented on the same screen
    PH009_intro
    During the past 12 months, did you experience any of these financial difficulties?

    Subgroup of questions
    PH009_a (FINANCIAL DIFFICULTIES ONE)
    [You or someone else in your household lost their primary job/You declared bankruptcy/Mortgage foreclosure on your primary home/Credit card account closed or frozen by the bank or card company]
    1 (YES) Yes
    2 (NO) No
    PH009_b (FINANCIAL DIFFICULTIES TWO)
    [You or someone else in your household lost their primary job/You declared bankruptcy/Mortgage foreclosure on your primary home/Credit card account closed or frozen by the bank or card company]
    1 (YES) Yes
    2 (NO) No
    PH009_c (FINANCIAL DIFFICULTIES THREE)
    [You or someone else in your household lost their primary job/You declared bankruptcy/Mortgage foreclosure on your primary home/Credit card account closed or frozen by the bank or card company]
    1 (YES) Yes
    2 (NO) No
    PH009_d (FINANCIAL DIFFICULTIES FOUR)
    [You or someone else in your household lost their primary job/You declared bankruptcy/Mortgage foreclosure on your primary home/Credit card account closed or frozen by the bank or card company]
    1 (YES) Yes
    2 (NO) No
    End of subgroup of questions
    End of group of questions
    Group of questions presented on the same screen
    PA055_intro2
    In the past 12 months, did you use any of the following financial services?

    Subgroup of questions
    PA055_b1 (use payday loan)
    Payday loan
    1 (YES) Yes
    2 (NO) No
    PA055_b2 (use selling an item at a pawn shop)
    Selling an item at a pawn shop
    1 (YES) Yes
    2 (NO) No
    PA055_b3 (use rent-to-own services)
    Rent-to-own services
    1 (YES) Yes
    2 (NO) No
    PA055_b4 (use tax refund anticipation loan)
    Tax refund anticipation loan
    1 (YES) Yes
    2 (NO) No
    PA055_b5 (use auto title loan)
    Auto title loan
    1 (YES) Yes
    2 (NO) No
    End of subgroup of questions
    End of group of questions
    Loop from 1 to 10
    DE010 (FAMILY INCOME PREVIOUS 12 MONTHS)
    Please tell us the total combined income of all members of your family living here during the past 12 months?

    This includes money from jobs, net income from business, farm or rent, pensions, dividends, interest, social security payments and any other money income received by members of your family who are 15 years of age or older.
    RANGE 0..99999999
    if DE010 > 200000 then
    FLDE012 := number_format(round(DE010))
    DE012 (CONFIRMED TOTAL COMBINED FAMILY INCOME)
    The dollar amount you entered for total household income is unusually large. You reported an amount of $[Excluding the market value of your primary home, what is the approximate value of your household's other assets?

    Include real estate other than your primary home. /What is the approximate market value of your household's assets? Include real estate that you own. /]    .

    Please confirm that this is the correct amount. If the dollar amount is not accurate, select “No” below and enter the correct amount on the following screen.

    Is the amount you reported correct?
    1 (YES) Yes
    2 (NO) No
    if de012 = 1 then
    End of if
    Else
    End of if
    End of loop
    DE013 (OWN PRIMARY HOME )
    Do you and/or your spouse/partner own your primary home?

    NOTE: Even if you have an unpaid mortgage, you are considered the owner of the home.
    1 (YES) Yes
    2 (NO) No
    endtime := date("Y-m-d H:i:s")
    thankscreen
    Thank you for answering our questions. Please log on tomorrow to enter your purchases or cash activity, even if you have no activity tomorrow.

    To get ready to enter your payment information tomorrow, [[]], please read the diary instructions and watch the video (if you haven’t already).

    For now, please click "Next" to return to your panel member pages.