Routing for UAS504

mainintro
This survey focuses on you and your household's use of financial products and services such as checking accounts, credit cards, and loans. "Household" includes you and others living with you who contribute financially to your living expenses. If you live alone, or do not consider anyone else to be a member of your household, please answer these questions as an individual. For all questions, please answer to the best of your ability. If you are not sure about the answer to a question, your best guess will do.
sc001 (how involved in financial decisions)
Which of the following statements best describes how involved you are in making financial decisions for your household?
1 I am the primary decision maker
2 I share equally in the decision making
3 Someone else is more involved in the decision making than I am
if sc001 = 3 then
earlyexit
Thank you for you interest in this survey! Unfortunately you are currently not eligible to participate. If you think you reached this screen in error, please contact the UAS help desk at uashelp@usc.edu.

Click "Next" to return to your panel member pages.
dummy := doPayout(504, 1)
Exit the survey
End of if
ba_intro
The next questions ask about banking products for your household.
ba001 (have checking account)
Do you or anyone else in your household have a checking account now?
1 Yes
2 No
3 I don't know
if ba001 = 2 then
ba007 (close checking account in last 12 months)
You indicated you do not have a checking account now. Have you or anyone else in your household closed a checking account in the last 12 months?
1 Yes
2 No
3 I don't know
End of if
if ba001 = 1 OR (ba001 = 2 AND ba007 = 1) then
ba002 (charged monthly fee checking account)
Within the past 12 months, have you or anyone else in your household been charged a monthly fee (sometimes called an account usage fee or maintenance fee) for having the checking account?
1 Yes
2 No
3 I don't know
ba003 (charged overdraft fee checking account)
In the last 12 months, have you or anyone else in your household been charged any fee for not having enough money in your checking account to pay for a purchase or charge that came in? This could be called an overdraft fee, a non-sufficient funds fee, or a bounced check fee.
1 Yes
2 No
3 I don't know
if ba003 = 1 then
ba004a (number of times paid fee checking account)
Taking your best guess, how many times have you or anyone else in your household paid one of these overdraft fees, non-sufficient funds fees, or bounced check fees in the past 12 months?
1 Once
2 Twice
3 3 - 5 times
4 6 - 10 times
5 11 - 14 times
6 15 - 30 times
7 31 - 50 times
8 More than 50 times
9 I don't know
ba010 (what caused to overdraft most recent experience)
Thinking about your most recent overdraft experience, which of the following is most accurate?
1 I knew my account balance wouldn't cover the expense but chose to make the purchase or payment anyway
2 I knew my account balance was low but thought there was a chance it would cover the expense
3 I did not realize my account balance would not cover the expense
4 I don't know
ba011 (what prefer in most recent overdraft experience)
Thinking about your most recent overdraft experience, would you have preferred:
1 To incur an overdraft fee and ensure the purchase or payment went through
2 That the purchase or payment be declined
ba012 (how large purchase most recent overdraft experience)
Think about your most recent overdraft experience. How large was the purchase or payment you made that incurred the overdraft?
1 Less than $10
2 $10 - $25
3 $26 - $50
4 $51 - $100
5 $101 - $150
6 More than $150
7 I don't know
End of if
ba008 (used atm to withdraw cash past 12 months)
In the past 12 months, have you or anyone in your household paid a fee to withdraw cash from an ATM?
1 Yes
2 No, no one in my household has paid a fee
3 No, no one in my household has used an ATM in the past 12 months
4 I don't know
if ba008 = 1 then
ba009a (how many times paid atm fee past 12 months)
Taking your best guess, how many times have you or anyone else in your household paid an ATM fee in the past 12 months?
1 Once
2 Twice
3 3 - 5 times
4 6 - 10 times
5 11 - 14 times
6 15 - 30 times
7 31 - 50 times
8 More than 50 times
9 I don't know
End of if
End of if
ba005 (have savings account)
Do you or anyone else in your household have a savings account now?
1 Yes
2 No
3 I don't know
if ba005 = 1 then
ba006 (charged monthly fee savings account)
Within the past 12 months, have you or anyone in your household been charged a monthly fee (sometimes referred to as an account usage fee or maintenance fee) for the savings account?
1 Yes
2 No
3 I don't know
End of if
al_intro
The next questions ask about a variety of financial services you may have used in the past 12 months.
al002a (rent items)
In the past 12 months, did you or anyone else in your household rent any items such as furniture or appliances from a rent-to-own store (for example, Aaron's or Rent-A-Center)? We do not mean stores that offer layaway plans.
1 Yes
2 No
3 I don't know
al003 (take out tax refund anticipation check )
In the past 12 months, did you or anyone else in your household use a service to delay the cost of tax preparation? This is known as a refund transfer or a refund anticipation check (RAC). The tax preparation charges and the fee for the service are then deducted from your tax refund before you receive the money.
1 Yes
2 No
3 I don't know
al018 (anyone in household take out tax refund anticipation loan)
In the past 12 months did you or anyone else in your household use a service to get your tax refund faster than the IRS would provide it? This can include refund anticipation loans and refund advances.
1 Yes
2 No
3 I don't know
al004 (used auto title loans)
In the past 12 months, did you or anyone in your household take out a loan that requires the borrower to provide the title to their car in exchange for borrowing money for a short period of time? These are often called auto title loans. This is different from a loan used to purchase a car.
1 Yes
2 No
3 I don't know
al008 (have secured credit card)
A credit card that is secured by cash held in a bank account is often called a secured credit card. For example, someone deposits $500 and then can charge up to a limit of $500 on the card.

In the past 12 months, did you or anyone else in your household have a secured credit card?
1 Yes
2 No
3 I don't know
al005a (how often take out payday loan or payday advance)
In the past 12 months, how frequently did you or anyone else in your household take out a payday loan or payday advance? If you rolled over or extended a payday loan, please count each rollover as a separate loan.
1 Never
2 Once
3 Twice
4 Three or more times
5 I don't know
al001a (how often pawn item)
In the past 12 months, how frequently did you or anyone else in your household pawn an item at a pawn shop? Do not include selling an unwanted item to a pawn shop.
1 Never
2 Once
3 Twice
4 Three or more times
5 I don't know
if al001a in [2,3,4] then
al010 (had to forfeit pawned item in past 12 months)
In the past 12 months, have you or anyone else in your household had to forfeit a pawned item because you were unable to pay off your loan? Do not include selling an unwanted item to a pawn shop.
1 Yes
2 No
3 I don't know
End of if
al_intro2
The next questions also ask about other financial services you may have used in the past 12 months. Please select all options that apply.
Group of questions presented on the same screen
al006 (cash check)
In the past 12 months, did you or anyone else in your household cash a check? We are not referring to depositing a check. (Please select all that apply.)
1 Yes, at a bank or credit union
2 Yes, at a check cashing service location other than a bank or credit union
3 No
4 I don't know
al_script
End of group of questions
if 2 in al006 then
Group of questions presented on the same screen
al006a (locations used for cash check)
In the past 12 months, which non-bank locations did you or others in your household use to cash a check? (Please select all that apply.)
1 A stand-alone check cashing service or payday lender
2 A wholesale store or big box store (such as Walmart, Costco, etc.)
3 Grocery, liquor, convenience or drug store
4 Other, please specify:
5 I don't know
al006a_other (other cash check)
STRING
al_script_al006
End of group of questions
End of if
Group of questions presented on the same screen
al007 (purchase a money order)
In the past 12 months, did you or anyone else in your household purchase a money order? (Please select all that apply.)
1 Yes, at a bank or credit union
2 Yes, at a place other than a bank or credit union
3 No
4 I don't know
al_script
End of group of questions
if 2 in al007 then
Group of questions presented on the same screen
al007a (purchase a money order)
In the past 12 months, which non-bank locations did you or others in your household use to purchase a money order? (Please select all that apply.)
1 A wholesale store or big box store (such as Walmart, Costco, etc.)
2 A post office
3 Grocery, liquor, convenience, or drug store
4 A stand-alone check cashing service or payday lender
5 Other, please specify:
6 I don't know
al007a_other (other purchase a money order)
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al_script_al007
End of group of questions
End of if
Group of questions presented on the same screen
al009 (send remittance)
In the past 12 months, did you or anyone else in your household send money to friends or family living outside the US? (Please select all that apply.)
1 Yes, through a bank or credit union
2 Yes, through a place other than a bank or credit union (for example, Western Union, TransferWise, Walmart, Moneygram, Xoom, or Rio)
3 No
4 I don't know
al_script
End of group of questions
al019 (use any online payment services with account feature to receive and store money in account)
In the past 12 months, did you or anyone else in your household use an online payment service that allows you to receive and store money in the account? Examples are PayPal, Venmo, or Cash App. We are not asking about Zelle.
1 Yes
2 No
3 I don't know
if al019 = 1 then
al020 ( paid a fee for use of online payment services)
You indicated that, in the past 12 months, you have used an online payment service like PayPal, Venmo, or CashApp. Have you paid a fee for the use of these services (for example, to make a payment using a credit card, or to accelerate delivery of funds)? Please only consider any fees for personal use, rather than business.
1 Yes
2 No
3 I don't know
End of if
al011 (employer offer access to wages pre payday)
Does your employer offer a service to access your earned wages before your actual payday (even if you do not personally use the benefit)? Employers typically partner with a provider like Even, Payactiv, Dailypay, Branch, or Instant Financial to offer such a service.
1 Yes
2 No
3 I don't know
4 Not applicable, I do not work for an employer
if al011 = 1 then
al012 (utilized access to wages pre payday past 12 months)
In the past 12 months, have you utilized a service offered through your employer to access your earned wages before your actual payday?
1 Yes
2 No
3 I don't know
if al012 = 1 then
al013 (how often utilized access to wages pre payday)
Typically, how frequently do you use a service that allows you to access your earned wages before your actual payday?
1 Once a week
2 Once every two weeks
3 Once a month
4 Once every few months
5 Less than once every few months
End of if
End of if
Group of questions presented on the same screen
pr_intro
The following questions ask about prepaid cards. Prepaid cards allow you or others, like relatives or a government agency, to load funds that can later be spent. Some prepaid cards also allow you to withdraw cash from ATMs. We are not asking about gift cards or debit cards linked to a checking account. 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.
pr001 (use any prepaid cards)
In the past 12 months, did you or anyone else in your household use any prepaid cards, other than the "Clincard" you received from the UAS for survey payments?
1 Yes
2 No
3 I don't know
End of group of questions
if pr001 = 1 then
Group of questions presented on the same screen
pr002 (where prepaid cards come from)
Where did the prepaid cards that you or anyone else in your household used in the past 12 months come from? (Please select all that apply.)
1 A store or website that is not a bank
2 A bank or credit union, including a bank or credit union website
3 A government agency to access government benefits such as TANF, SNAP (food stamps), unemployment, social security, disability
4 An employer to pay salary or wages
5 Family or friends
6 Other, please specify:
7 None of the above
8 I don't know
pr002_other (other where prepaid cards come from)
STRING
pr_script
End of group of questions
End of if
cr_intro
The next questions ask about two types of credit cards that your household may or may not use today. Pictures of each type are included below, so please familiarize yourself with each.
A credit card with a Visa, MasterCard, American Express, or Discover logo that can be used at multiple merchants, not just a single store. Some of these cards may include the name of a store or retailer (for example, Macy's, Amazon) but also have a credit card company logo. Store cards without a Visa, MasterCard, American Express or Discover logo that can only be used at the store that issues them (for example, JCPenney or Target) or a related set of stores.
cr001 (used Visa, MasterCard, American Express, or Discover credit card)
In the past 12 months, have you or anyone else in your household used a Visa, MasterCard, American Express, or Discover credit card? Please do not include debit cards.
1 Yes
2 No
3 I don't know
if cr001 = 1 then
cr002a (how often carry balance on credit card)
In the past 12 months, how often did you or anyone else in your household pay less than the full amount you owe on a credit card from Visa, MasterCard, American Express, or Discover? Please do not include debit cards or cards with 0% interest.
1 Never - I pay off the balance every month
2 Once
3 Some of the time
4 Most or all of the time
if cr002a = response and cr002a != 1 then
cr003a (amount owed from outstanding balances credit card)
Please estimate the amount your household currently owes from outstanding credit card balances carried over from previous months on all Visa, MasterCard, American Express, or Discover credit cards. If you aren't sure, your best guess will do. Please do not include debit cards or cards with 0% interest. For example, if you currently carry a $500 balance on one card, $1500 on another card and $2000 on a third card, your total balance would be $4000.
1 $0
2 $1 - $500
3 $501 - $1,000
4 $1,001 - $2,000
5 $2,001 - $3,000
6 $3,001 - $4,000
7 $4,001 - $5,000
8 $5,001 - $7,500
9 $7,501 - $10,000
10 $10,001 - $15,000
11 $15,001 - $25,000
12 $25,001 - $50,000
13 More than $50,000
14 I don't know
End of if
End of if
cr004 (used store card)
In the past 12 months, have you or anyone else in your household used a store credit card that can only be used at the store that issues it (for example, JCPenney or Target) or a related set of stores? Please do not include store gift cards.
1 Yes
2 No
3 I don't know
if cr004 = 1 then
cr005a (how often carry balance on store card)
In the past 12 months, how often did your household pay less than the full amount you owe on one or more of your store credit cards? A store credit card is a credit card that is only good at the store that issues it (for example, JCPenney or Target). Please do not include store gift cards or cards with 0% interest.
1 Never - I pay off the balance every month
2 Once
3 Some of the time
4 Most or all of the time
if cr005a = response and cr005a != 1 then
cr006a (amount owed from outstanding balances store card)
Please estimate the amount your household currently owes from outstanding credit card balances carried over from previous months on all store credit cards. A store credit card is a credit card that is only good at the store that issues it (for example, JCPenney or Target). If you aren't sure, your best guess will do. Please do not include store gift cards or cards with 0% interest. For example, if you currently carry a $500 balance on one card, $1500 on another card and $2000 on a third card, your total balance would be $4000.
1 $0
2 $1 - $500
3 $501 - $2,000
4 $2,001 - $5,000
5 More than $5,000
6 I don't know
End of if
End of if
cr007a (made online purchase buy now pay later)
In the last 12 months, have you made an online or mobile purchase with a service that partners with an online or store retailer and allows you to break payments into four equal installments with no interest? These are sometimes called "buy-now-pay-later," BNPL, or "point-of-sale" loans.

Companies offering such a service include Affirm, Afterpay, Sezzle, PayPal Pay in 4, and Klarna. Please do not include plans used to finance purchases in more than four installments.
1 Yes
2 No
3 I don't know
if cr007a = 1 then
cr008a (number of times online purchase buy now pay later)
In the last 12 months, how many times have you made a purchase using a buy-now-pay-later service? Please do not include plans used to finance purchases in more than four installments.
1 Once
2 Twice
3 3 - 5 times
4 6 - 10 times
5 11 - 25 times
6 More than 25 times
7 I don't know
if cr008a != 7 then
cr012 (how many times used buy-now-pay-later service)
In the past month, how many times have you made a purchase using a buy-now-pay-later service? Please do not include plans used to finance purchases in more than four installments.
1 None
2 One
3 2-4
4 5-9
5 More than 10
End of if
cr010a (experiences using buy now pay later)
Which, if any, of the following have you experienced in the last 12 months using a buy-now-pay-later (BNPL) service? (Please select all that apply.)
1 I spent more money or made a purchase I wouldn't have if BNPL were not available
2 It was difficult for me to afford the payments
3 I was late or missed one or more payments
4 I experienced an overdraft or incurred another fee from my bank due to a BNPL payment
5 None of the above
Group of questions presented on the same screen
cr011a (experiences using buy now pay later)
Thinking of your most recent buy-now, pay-later experience, if a BNPL option were not available, I would have:
1 Put it on a credit card and paid it off over time
2 Put it on a credit card and paid it off in full at the next statement
3 Used a debit card
4 Not made the purchase
5 Other, please specify:
cr011a_other (other experiences using buy now pay later)
STRING
End of group of questions
End of if
au_intro
The next questions ask about your household’s auto financing.
au001a (leasy any automobiles)
Does your household currently lease any automobiles?
1 Yes
2 No
3 I don't know
Group of questions presented on the same screen
au002 (have any of following auto loans)
Do you or anyone else in your household currently have any of the following auto loans? If so, are the auto loans for new or used cars? (check all that apply)
1 Auto loan for a new car
2 Auto loan for a used car
3 None of the above
4 I don't know
au_script
End of group of questions
if 1 in au002 then
au003a (amount owed from new auto loans)
Please estimate the amount your household currently owes on new auto loans. If you aren’t sure, your best guess will do. For example, if you currently have a $7000 balance on one type of new auto loan and $2000 on another new auto loan, your total new auto loan balance would be $9000.
1 $1 - $2,500
2 $2,501 - $5,000
3 $5,001 - $10,000
4 $10,001 - $15,000
5 $15,001 - $25,000
6 $25,001 - $35,000
7 $35,001 - $45,000
8 $45,001 - $75,000
9 More than $75,000
10 I don't know
End of if
if 2 in au002 then
au004a (amount owed from used auto loans)
Please estimate the amount your household currently owes on used auto loans. If you aren’t sure, your best guess will do. For example, if you currently have a $5000 balance on one type of used auto loan and $2000 on another used auto loan, your total used auto loan balance would be $7000.
1 $1 - $2,500
2 $2,501 - $5,000
3 $5,001 - $10,000
4 $10,001 - $15,000
5 $15,001 - $25,000
6 $25,001 - $35,000
7 $35,001 - $45,000
8 $45,001 - $75,000
9 More than $75,000
10 I don't know
au005a (get auto loan from dealership without credit check)
In the past 12 months, did you or anyone else in your household get an auto loan from a car dealership that does not require a credit check? These are sometimes called Buy-Here-Pay-Here car dealerships and may require that you make your loan payments in person at the car lot.
1 Yes
2 No
3 I don't know
End of if
st_intro
The next questions ask about your household's student loans.
st008 (you or anyone else in household currently have student loans)
Do you or anyone else in your household currently have any student loans? Please include loans that your household has to pay for the education of someone who may not be part of your household now, such as a grandchild or a child who no longer lives with you.
1 Yes, my household currently has student loan(s)
2 No
3 I don't know
if st008 = 1 then
st001b (type of student loans)
What type of student loans does your household have? (Please select all that apply.)
1 Federal student loans (including Parent Loans for Undergraduate Students (PLUS))
2 Private student loans from banks, credit unions, online lenders, or other financial institutions
3 Student loans from a college, university, or short-term educational program/bootcamp
4 Loans from family or friends
5 I don't know
if 1 in st001b then
st004 ( household eligible for Federal Pell Grant forgiveness)
In August 2022, the federal government announced a plan to provide eligible borrowers with loan forgiveness of loans up to $20,000 for Federal Pell Grant recipients and up to $10,000 for non-Pell Grant recipients. Is your household eligible for this forgiveness?
1 Yes
2 No
3 I don't know
if st004 != 2 then
st005 ( applied for student loan forgiveness)
Have you completed an application for student loan forgiveness?
1 Yes
2 No
3 Not applicable - I do not need to apply (e.g., given an income-driven repayment status)
if st005 = 2 then
Group of questions presented on the same screen
st007 (why not compelted application loan forgiveness)
You indicated you have not completed an application. Please indicate your reason(s) for not applying (Please select all that apply.):
1 I was not aware of the program
2 I do not know how to apply
3 I am not sure if I qualify
4 The application process is too difficult or confusing
5 I do not have access to the information required to submit an application
6 I am waiting for the result of the Supreme Court case
7 I do not expect the forgiveness to actually be granted because of legal challenges
8 It is not worth the trouble to apply
9 I was unable to complete or submit the application due to technical issues
10 Other, please specify:
st007_other (other why not compelted application loan forgiveness)
STRING
End of group of questions
End of if
End of if
End of if
End of if
ot_intro
The next question asks about other loans for your household.
Group of questions presented on the same screen
ot001b (have any unsecured installment loans)
Separate from student loans, loans secured by items (such as vehicles and property), or buy-now-pay-later services, in the past 12 months, did you or anyone in your household have a loan that is repaid over time through a set number of scheduled payments? This is often called an unsecured installment loan or an unsecured personal loan.

Examples of organizations that might provide installment loans include banks and credit unions, finance companies like OneMain Financial and online lenders like Lending Club, SoFi, or Prosper. (Please check all that apply.)
1 Yes, from a bank or credit union
2 Yes, from a finance company (e.g., OneMain Financial)
3 Yes, from an online-only lender (e.g., Lending Club)
4 No
5 I don't know
ot_script
End of group of questions
if 1 in ot001b OR 2 in ot001b OR 3 in ot001b then
ot002b (amount owed from installment loans)
Please estimate the amount your household currently owes for all unsecured installment loans or unsecured personal loans. If you aren't sure, your best guess will do.
1 $1 - $1,500
2 $1,501 - $2,500
3 $2,501 - $5,000
4 $5,001 - $7,500
5 $7,501 - $10,000
6 $10,001 - $15,000
7 $15,001 - $20,000
8 More than $20,000
9 I don't know
End of if
pl_intro
The next few questions ask about your retirement funds and investments.
Group of questions presented on the same screen
pl001_intro
Do you or anyone else in your household have any of the following retirement or other savings or investment accounts?

Subgroup of questions
pl001a (have employer-provided retirement account )
Employer-provided retirement account (such as a 401k, 403(b) or Thrift Savings Plan (TSP), etc.).
1 Yes
2 No
3 I don't know
pl001b (have individual retirement account not provided by an employer)
Individual retirement account not provided by an employer (such as an IRA, Keogh, SEP, or any other retirement fund).
1 Yes
2 No
3 I don't know
pl001c (investment account opened for purpose of investing in stock market)
Investment account you opened for the purpose of investing in the stock market, either through a traditional broker or an online platform.
1 Yes
2 No
3 I don't know
pl001d (cryptocurrencies or other digital assets)
Cryptocurrencies or other digital assets, such as Bitcoin or Ether
1 Yes
2 No
3 I don't know
End of subgroup of questions
End of group of questions
ins_intro
The next few questions ask about the different types of insurance that you and your household might have.
ins001 (how many personal vehicles household own or lease)
How many personal vehicles does your household own or lease? This includes cars, any kind of trucks, vans, or sport utility vehicles (SUV).
0 0
1 1
2 2
3 3
4 4
5 5
6 6
7 7
8 8
9 9
10 10
if ins001 > 0 then
ins002a (have auto insurance for all personal vehicles owned or leased by household)
Do you have auto insurance for all of the personal vehicles owned or leased by your household?
1 Yes
2 No
3 I don't know
End of if
ins005 (household currently own or rent primary residence)
Does your household own or rent your primary residence?
1 Own
2 Rent
3 Other
if ins005 = 1 then
ins006 (household currently have homeowners insurance)
Does your household currently have homeowners insurance for the properties you own?
1 (YES) Yes
2 (NO) No
elseif ins005 = 2 then
ins010 (household currently have renters insurance)
Does your household currently have renters insurance for the residence you rent?
1 (YES) Yes
2 (NO) No
End of if
ins013 (currently have life insurance)
Do you currently have life insurance? Check all that apply.
1 Yes, I have an individual life insurance policy
2 Yes, I have a group life insurance policy through my employer
3 Yes, I have a group life insurance policy through an organization to which I belong
4 No
fin_intro
The remaining questions ask you about your household's financial situation.
fin001 (total spending compared to income)
Which of the following statements best describes how your household’s total spending compared to total income, over the last 12 months?
1 Spending was much less than income
2 Spending was a little less than income
3 Spending was about equal to income
4 Spending was a little more than income
5 Spending was much more than income
fin002 (how paid bills)
Which of the following statements best describes how your household has paid its bills over the last 12 months?
1 Pay all of our bills on time
2 Pay nearly all of our bills on time
3 Pay most of our bills on time
4 Pay some of our bills on time
5 Pay very few of our bills on time
fin003 (how long can cover expenses)
At your current level of spending, how long could you and your household afford to cover expenses, if you had to live only off the money you have readily available, without withdrawing money from retirement accounts or borrowing?
1 6 months or more
2 3 - 5 months
3 1 - 2 months
4 1 - 3 weeks
5 Less than 1 week
fin004 (how confident can meet longer term goals)
Thinking about your household’s longer term financial goals such as saving for a vacation, starting a business, buying or paying off a home, saving up for education, putting away for retirement or making retirement funds last...

How confident are you that your household is currently doing what is needed to meet your longer-term goals?
1 Very confident
2 Moderately confident
3 Somewhat confident
4 Slightly confident
5 Not at all confident
fin005 (how manageable household debt)
Now thinking about all of your household’s current debts, including mortgages, bank loans, student loans, money owed to people, medical debt, past-due bills and credit card balances that are carried over from prior months...

As of today, which of the following statements describes how manageable your household debt is?
1 Have a manageable amount of debt
2 Have a bit more debt than is manageable
3 Have far more debt than is manageable
4 Do not have any debt
fin006 (rate credit score)
How would you rate your credit score? Your credit score is a number that tells lenders how risky or safe you are as a borrower.
1 Excellent
2 Very good
3 Good
4 Fair
5 Poor
7 I don't know
fin007a (how confident insurance policies provide enough support)
Thinking about all of the types of personal and household insurance you and others in your household have, how confident are you that those insurance policies will provide enough support in case of an emergency?
1 Very confident
2 Moderately confident
3 Somewhat confident
4 Slightly confident
5 Not at all confident
6 No one in my household has any insurance
fin008 (household plans ahead financially)
To what extent do you agree or disagree with the following statement:

"My household plans ahead financially"
1 Agree strongly
2 Agree somewhat
3 Neither agree nor disagree
4 Disagree somewhat
5 Disagree strongly
Fill code of question 'FLSpouse' executed
wh001 (money left over if all into cash)
Suppose you (and/or your spouse/partner) were to sell all of your household possessions (your car, your home, etc.), turn all of your investments and other assets into cash (including any financial assets such as stocks/bonds/mutual funds/401(k) plans, savings and checking accounts, etc.), and pay all of your debts (including your mortgage, any other loans, and credit cards). Would you have money left over, break even, or be in debt?
1 Have money left over
2 Break even
3 Be in debt
4 I don't know
if wh001 = 1 then
wh002 (how much money left over if all into cash)
You mentioned that you would have money left over - how much would you have?
1 $1 to $5,000
2 $5,001 to $10,000
3 $10,001 to $25,000
4 $25,001 to $50,000
5 $50,001 to $75,000
6 $75,001 to $100,000
7 $100,001 to $150,000
8 $150,001 to $250,000
9 $250,001 to $500,000
10 More than $500,000
elseif wh001 = 3 then
wh003 (how much money in debt if all into cash)
You mentioned that you would be in debt - how much debt would you have?
1 $1 to $2,500
2 $2,501 to $5,000
3 $5,001 to $10,000
4 $10,001 to $25,000
5 $25,001 to $50,000
6 More than $50,000
End of if
CS_001 (HOW PLEASANT INTERVIEW)
Could you tell us how interesting or uninteresting you found the questions in this survey?
1 Very interesting
2 Interesting
3 Neither interesting nor uninteresting
4 Uninteresting
5 Very uninteresting
CS_003 (comments)
Do you have any other comments on the survey? Please type these in the box below. (If you have no comments, please click next to complete this survey.)
STRING
dummy := doPayout(504, 6)