{"text_format":"1","workbook":"xlsx","n_sheets":50,"sheets":["Welcome","Guidance","Source reference list","Screener","Outcome Table","Managing Well","SWF","LWM","RFS","FD","KTB","SA","SAV","Ins","RDRC","ADV","FinP","Bank","KTA","KTA2","MMF","MSav","MSav2","TSW","MC","MD","Mindset","Ability","Ability (1)","Ability (2)","Ability (3)","Ability (4)","Ability (5)","Ability (6)","Means","Inc","SAA","ATC","Pressures","CLC","TCUD","Questions","Output File","1. Financial wellbeing","4. Behaviour","2. Means","3. Pressure","5.  Connection","6. Mindset","7. Ability"],"not_rendered":{"charts":0,"images":1,"macros":1,"external_links":2,"defined_names":62,"comments":0,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

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[null,null,"Adult Outcome Frameworks"]
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[null,null,"Welcome to the Adults Outcome Frameworks tool"]
[null,null,"Use the buttons below to view guidance, start usting the Outcomes Framework, "]
[null,null,"or view the source reference to see the surveys we sourced questions from."]
[null,null,"Once in the tool, you can navigate back to these sections using buttons on the top of each page"]

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[null,"How to use the Financial Capability Outcomes Framework for Adults "]
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[null,"\n"]

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[null,"Question sources"]
[null,"Abbreviation","Survey and documentation"]
[null,"AtP","DWP Attitudes to Pensions: http://doc.ukdataservice.ac.uk/doc/7457/mrdoc/pdf/7457_attitudes_to_pensions_questionnaire_2012.pdf"]
[null,"BASE","Baseline Survey of Financial Capability: http://www.bristol.ac.uk/media-library/sites/geography/migrated/documents/pfrc0604.pdf. See also short instrument, used in Money Guidance: http://www.bristol.ac.uk/media-library/sites/geography/migrated/documents/pfrc1114.pdf"]
[null,"BHPS/USOC","BHPS/Understanding Society: (overview): https://www.understandingsociety.ac.uk/about/questionnaire-content; (detailed LT content overview): https://www.understandingsociety.ac.uk/d/18/Long_Term_Content_Plan_Nov2011-3.pdf?1355920157; (full sets of q’aires): https://www.understandingsociety.ac.uk/documentation/mainstage/questionnaires"]
[null,"BSA","British Social Attitudes Survey: http://discover.ukdataservice.ac.uk/catalogue/?sn=7500&type=Data%20catalogue"]
[null,"CAS","MAS Consumer Action Tracker Survey (not public)"]
[null,"CDS","BIS Consumer detriment survey p.80 https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/319043/bis-14-881-bis-consumer-detriment-survey.pdf"]
[null,"CITA","CitA Quids-in Financial Skills Evaluation (not public)"]
[null,"CommLife","Community Life Web Survey: http://doc.ukdataservice.ac.uk/doc/7738/mrdoc/pdf/7738_community_life_2013-14_web_survey_technical_report.pdf"]
[null,"CPOS","Consumer Purchasing Outcomes Survey 2010 (not public)"]
[null,"CSEW","CSEW (Crime survey) 2014-15 survey: for questions about financial fraud only"]
[null,"DAE","Debt Advice Evaluation Outcomes (not public)"]
[null,"DSK","Digital Skills, Evaluate IT: https://www.digitalskills.com/sites/default/files/2.EvaluateIT_DataCollectionResource.pdf"]
[null,"EB","Eurobarometer (run by GfK in UK): http://ec.europa.eu/public_opinion/archives/eb/eb82/eb82_en.html"]
[null,"EB","Eurobarometer Consumer Empowerment survey http://ec.europa.eu/public_opinion/archives/ebs/ebs_342_en.pdf\nCovers some questions on basic skills (p266-267)"]
[null,"ELSA","English Longitudinal Study of Ageing (ELSA): http://www.elsa-project.ac.uk/documentation"]
[null,"ESS","European Social Survey: http://www.europeansocialsurvey.org/docs/round7/questionnaire/ESS7_source_main_questionnaire_final_alert_03.pdf. See also: http://www.europeansocialsurvey.org/data/"]
[null,"FFH","EagaCT Survey of financial and fuel hardship (pgs46-51): http://www.bristol.ac.uk/media-library/sites/geography/migrated/documents/pfrc1006.pdf (see also question justification document; not public)"]
[null,"Fincap","MAS Financial Capability Survey (not public)"]
[null,"FRS","Family Resources Survey: http://doc.ukdataservice.ac.uk/doc/7753/mrdoc/pdf/frs_2013_14_gb_frs_question_instructions.pdf"]
[null,"Genworth","Genworth Overdinebtedness Index: https://www.genworth.com/dam/Americas/US/PDFs/Consumer/corporate/Technical_Report.pdf"]
[null,"HCC","BIS High Cost Credit: http://www.bristol.ac.uk/media-library/sites/geography/migrated/documents/pfrc1304.pdf"]
[null,"MAC","Macmillan Financial Impacts of Cancer: (pgs47 http://www.bristol.ac.uk/media-library/sites/geography/pfrc/pfrc1211-financial-impacts-methodological-appendix.pdf"]
[null,"MAP","Toynbee Hall MAP Tool"]
[null,"NI L&T ","Northern Ireland Life and Times (2000): http://www.ark.ac.uk/nilt/2000/scb00.PDF "]
[null,"OECD","OECD/INFE 2015 Financial Literacy Survey (pgs15-39*): https://www.oecd.org/daf/fin/financial-education/2015_OECD_INFE_Toolkit_Measuring_Financial_Literacy.pdf"]
[null,"OXIS","Oxford Internet Survey http://oxis.oii.ox.ac.uk/wp-content/uploads/2015/01/OxIS-2011-questionnaire.pdf  - some questions on digital skills"]
[null,"PDL","FCA Pay Day Loans questionnaire (not published)"]
[null,"QOL","European Quality of Life Survey: https://www.eurofound.europa.eu//sites/default/files/ef_files/surveys/eqls/2011/documents/unitedkingdom.pdf"]
[null,"SEG","FSA Consumer Segmentation 2013 http://www.fca-consumer-spotlight.org.uk/sites/default/files/FSA_Segmentation_-_Technical_Report_Survey%20Materials%20redacted%20contacts%2020140815_0.pdf"]
[null,"SILC","EU SILC (2008-10 special module on overindebtedness and financial inclusion) (pgs21-7*): https://circabc.europa.eu/sd/a/1fc037b9-b281-4583-a57b-27f55bed630a/2008 per cent20Questionnaire per cent20UK.pdf"]
[null,"SKILL","Skills for LIfe survey, some questions on basic skills p127-130 https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/36066/12-p168an1-2011-skills-for-life-survey-annexes.pdf"]
[null,"USOC","Understanding Society (see BHPS/USOC above)"]
[null,"WAS","Wealth and Assets Survey 2010-12: http://doc.ukdataservice.ac.uk/doc/6709/mrdoc/pdf/6709wave_3_mainstage_paper_questionnaire_final_version.pdf. See also financial capability mapping document (not public/hard copy only). Plus wave 1 survey (pg35*: http://doc.ukdataservice.ac.uk/doc/6415/mrdoc/pdf/6415_questionnaire_wave1.pdf"]
[null,"WB"," "]
[null,"WELLB","ONS Happiness/Wellbeing (nb I can only find the 4 key questions, not a fuller module – I think the others may be taken from different sources) (pgs23-4*): http://doc.ukdataservice.ac.uk/doc/7742/mrdoc/pdf/lfs_user_guide_vol2_questionnaire2015.pdf (nb I can only find the 4 key questions, not a fuller module – I think the others may be taken from different sources: http://www.ons.gov.uk/ons/publications/re-reference-tables.html?edition=tcm%3A77-391358)"]
[null,"WMEWS","Short Warwick Mental-Edinburgh Wellbeing Scale: http://www.healthscotland.com/uploads/documents/14092-SWEMWBSSept2007.pdf "]

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[null,null,"Adult Outcome Frameworks"]
[null,null,"How to use this tool: Tick 'include' to view outcomes in the areas that are relevant to your intervention. "]
[null,null,"Click 'next' to see a table of outcomes that relate to each of the four outcome areas (listed below) you have selected. "]
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[null,null,"Managing well day to day",null,null,null,"Include:",null,null,"Planning for life events",null,null,null,"Include:"]
[null,null,"Keeping track and managing your income",null,null,null,null,null,null,"Saving regularly or for the future having goals and insurance"]
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[null,null,"Credit / Debt",null,null,null,"Include:",null,null,"Advice / Guidance",null,null,null,"Include:"]
[null,null,"Reducing debt and using credit responsibly ",null,null,null,null,null,null,"Actively seeking advice, awareness of providers"]

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[null,null,null,null,null,null,null,null,null,null,null,"Click on the cells below to see relevant questions. Use the grey buttons on the left to navigate to the welcome page, view the guidance, go back to the screener page to select additional or fewer outcome areas, "]
[null,null,null,null,null,null,null,null,null,null,null,"and see all the questions you have selected so far"]

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[null,"Managing well day-to-day"]
[]
[null,"How to use this tool:"]
[null,"Choose the outcomes that are relevant to your interventions by selecting on the boxes below."]

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[null,null,"Adult Outcome Frameworks"]
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[null,"Financial Wellbeing - Satisfied with Finances and living standards"]
[null,"Select the questions that are relevant to your intervention -  use the first question for each indicator, "]
[null,"only use additional questions if that indicator is particularly important."]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[null,{"$f":"'1. Financial wellbeing'!C3","v":"Ability to live (adequately) within means"},"Managing well day-to-day",{"$f":"'1. Financial wellbeing'!E3","v":"Satisfaction with standard of living \n"},"How well would you say you yourself are managing financially these days? Would you say you are...\nCHOOSE ONE ONLY\n1. Living comfortably, 2. Getting by alright, 3. Just about getting by, 4. Finding it quite difficult, 5. or finding it very difficult?",{"$f":"'1. Financial wellbeing'!B3","v":1}]
[null,{"$f":"'1. Financial wellbeing'!C4","v":"Ability to live (adequately) within means"},"Managing well day-to-day",null,"Overall, how satisfied are you with your life nowadays?\nPlease answer on a scale of 0 to 10, where 0 is ‘not at all satisfied’ and 10 is ‘completely satisfied’ \n\n0 Not at all satisfied, 10 Completely satisfied, Don’t know",{"$f":"'1. Financial wellbeing'!B4","v":2}]
[null,{"$f":"'1. Financial wellbeing'!C5","v":"Ability to live (adequately) within means"},"Managing well day-to-day",null,"I am now going to read out some statements. I would like to know how much you agree or disagree with each of the following statements. \n- My financial situation limits my ability to do the things that are important to me \n- I am satisfied with my present financial situation\nCHOOSE ONE FOR EACH\n1. Strongly agree, 2. Tend to agree, 3. Neither agree nor disagree, 4. Tend to disagree, 5. Strongly disagree, 6. Don’t know",{"$f":"'1. Financial wellbeing'!B5","v":3}]
[null,{"$f":"'1. Financial wellbeing'!C13","v":"Finances and emotional/mental wellbeing"},null,{"$f":"IF('1. Financial wellbeing'!E13=\"\",\"\",'1. Financial wellbeing'!E13)","v":""},"A) To what extent, if at all, do you worry about your current financial situation?\nCHOOSE ONE ONLY\n1. Worry a great deal \n2. Worry to some extent \n3. Worry a little \n4. Don’t worry at all \n5. Don’t know\n\nB) And which of the following, if any, do you experience these days because of your household's financial situation?\nCHOOSE ALL THAT APPLY\n1. Stress or anxiety\n2. Low mood or depression\n3. Difficulty concentrating or relaxing\n4. Difficulty sleeping\n5. Panic attacks\n6. Difficulty eating, or eating too much\n7. Increased use of alcohol \n8. Dependence on prescription or over-the-counter drugs\n9. Use of illicit (illegal) drugs\n10. None of these (SINGLE CODE ONLY)\n11. Don't know\n12. Prefer not to say",{"$f":"'1. Financial wellbeing'!B13","v":12}]

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[null,null,"Adult Outcome Frameworks"]
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[null,"Financial Wellbeing - Living within means"]
[null,"Select the questions that are relevant to your intervention -  use the first question for each indicator, "]
[null,"only use additional questions if that indicator is particularly important."]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[null,"Ability to live (adequately) within means","Managing well day-to-day","Living within means","How often these days do you run out of money before the end of the week or month or need to use a loan, credit card or overdraft to get by?\nCHOOSE ONE ONLY\n1. Always,\n2. Most of the time,\n3. Sometimes,\n4. Hardly ever,\n5. Never",4]

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[null,null,"Adult Outcome Frameworks"]
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[null,"Financial Wellbeing - Resilient to financial shocks and confident in the future"]
[null,"Select the questions that are relevant to your intervention -  use the first question for each indicator, "]
[null,"only use additional questions if that indicator is particularly important."]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[null,"Financial resilience - ability to withstand financial shocks",0,0,"Thinking about an unexpected bill which you have to pay within seven days from today.\nWhich, if any of the following would you do to pay a bill of £300? \nIf you think you would do more than one, please select the main thing you would do, that is the one you would get the most money from.\nCHOOSE ONE ONLY\n1. I  would pay it with my own money, without dipping into savings or cutting back on essentials\n2. I would pay it with my own money, without dipping into savings but I would have to cut back on essentials\n3. I would have to dip into savings \n4. I would use a form of credit (e.g. credit card, take out a loan or make use of an authorised overdraft facility)\n5. I would go overdrawn without authorisation\n6. I would get the money from friends or family as gift or loan\n7. I would have to sell personal/household item(s) to get the money  \n8. I would not be able to pay this expense\n9. Don’t know \n10. Prefer not to say",10]
[null,"Financial resilience - ability to withstand financial shocks",0,0,"Do you (and your partner) currently have at least as much money in savings as you get in income each month? \nCHOOSE ONE ONLY\n1. No\n2. Yes, about 1 month\n3. Yes, about 2 months\n4. Yes, three months of more\n\n",11]
[null,"Confidence in financial future",0,0,"Taking everything into account, how confident are you that you will have enough money to give you the standard of living you hope for in a year from now?\nCHOOSE ONE ONLY\n1. Very confident\n2. Fairly confident\n3. Not very confident\n4. Not at all confident\n5. Don’t know",13]

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[null,"Financial Wellbeing - In financial difficulty, falling behind and material deprivation"]
[null,"Select the questions that are relevant to your intervention -  use the first question for each indicator, "]
[null,"only use additional questions if that indicator is particularly important."]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[null,"Ability to live (adequately) within means","Self-reported financial difficulty",0,"Which one of the following statements best describes how well you are keeping up with your bills and credit commitments at the moment? [Please include those you have personally or jointly with your partner/spouse]\nCHOOSE ONE ONLY\n1. Falling behind\n2. It is a constant struggle\n3. It is a struggle from time to time\n4. Keeping up without any difficulties\n5. Don’t have any bills or credit commitments\n6. Don't know\n8. Prefer not to say",6]
[null,"Ability to live (adequately) within means","Falling behind/in debt/in arrears",0,"In the last [SIX] months, have [you / or your partner] been unable to pay any of these bills due to a lack of money?\nCHOOSE ALL THAT APPLY\n1. Rent or mortgage payments\n2. Council tax\n3. Gas, electricity or other fuel bills\n4. Water bill\n5. Telephone bill (including mobile phone, broadband)\n6. Credit or store card bills\n7. Repayments on a loan or advance,\n8. Repayments on goods bought on hire purchase or mail order\n9. TV licence\n10. Income Tax or VAT payments\n11. Any other bill or regular commitment\n12. None of these (SINGLE CODE ONLY)",7]
[null,"Ability to live (adequately) within means","Material deprivation",0,"How often these days do you and your household go without food, heating, bills or other necessary items due to a lack of money?\nCHOOSE ONE ONLY\n1. Always,\n2. Most of the time\n3. Sometimes\n4. Hardly ever\n5. Never",8]
[null,"Ability to live (adequately) within means","Material deprivation",0,"Looking at this list, can I just check whether your household could afford the following things? \nCHOOSE ALL THAT APPLY\n1. A week's annual holiday away from home\n2. Buying new, rather than second hand, clothes\n3. Keeping your home adequately warm in winter\n4. Having friends or family for a drink or meal once a month\n5. Going out or socialising\n6. A hobby or leisure activity\n7. Replacing a major electrical appliance (e.g. fridge)\n8. Keeping your home in a decent state of decoration\n9. None of these (SINGLE CODE ONLY)",9]

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[null,null,"Adult Outcome Frameworks"]
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[null,"Behaviour - Budgeting, Keeping Track and Managing Bills"]
[null,"Select the questions that are relevant to your intervention -  use the first question for each indicator, "]
[null,"only use additional questions if that indicator is particularly important."]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[null,"Managing money well day-to-day",0,"Keeping track of income and spending","Which of these best describes how accurately you know how much money you have at present, excluding any savings?  We’re not interested in how much money you have, just how accurately you know how much money you have to spend. \nCHOOSE ONE ONLY\n1. I know within a pound or two\n2. I know within £10 \n3. I know within £50\n4. I know within £100 \n5. I know within £500\n6. I have no idea at all\n\n",2]
[null,"Managing money well day-to-day",0,"Keeping track of income and spending","Which, if any, of the following describe what you do to keep track of your money?\nCHOOSE ALL THAT APPLY\n1. Keep a mental note/ a note in my head\n2. Keep a spending diary, log or spreadsheet\n3. Keep receipts\n4. Check your balance\n5. Compare receipts/spending against your statements\n6. Check all incomings and outgoings on your statements\n7. Compare spending between one month and another\n8. File and retain statements\n9. Something else\n10. None of these  (SINGLE CODE ONLY)\n\n",3]
[null,"Managing money well day-to-day",0,"Creating and sticking to a viable budget","A) How closely do you normally plan how you will spend your money over the coming week or month? For example by drawing up a budget.\nCHOOSE ONE ONLY\n1. Very closely\n2. Fairly closely\n3. Not very closely\n4. I do not plan my spending at all\n5. Don't know\n\nB) And, how often do you keep to the budget you set?\nCHOOSE ONE ONLY\n1. Always \n2. Most of the time\n3. Sometimes\n4. Hardly ever\n5. Never\n6. Do not budget",4]
[null,"Managing money well day-to-day",0,"Creating and sticking to a viable budget","To what extent would you say the following applies to you?\n\n- I think of my money in terms of “pots” put aside for different things.\n\nPlease answer on a scale of 0 to 10, where 0 means it doesn’t sound like you at all and 10 means it sounds a lot like you\n",5]
[null,"Managing money well day-to-day",0,"Managing bill payments - pay bills on time (and in full if possible) ","How often do you delay or miss paying a bill, beyond the date it becomes due?\nCHOOSE ONE ONLY\n1. I often do this \n2. I occasionally do this \n3. I rarely do this \n4. I never do this",6]
[null,"Managing money well day-to-day",0,"Managing bill payments - pay bills on time (and in full if possible)","How well do you usually plan ahead to make sure you have the money to pay for regular bills and expenses? \nCHOOSE ONE ONLY\n1. Plan ahead to cover the full amount\n2. Plan ahead to cover some of the amount\n3. Don't plan ahead because there is always enough money to cover them\n4. Don't plan ahead at all\n",7]

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[null,"Behaviour - Shopping around / Claiming Benefits"]
[null,"Select the questions that are relevant to your intervention -  use the first question for each indicator, "]
[null,"only use additional questions if that indicator is particularly important."]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[null,"Managing money well day-to-day",0,"Maximising income (e.g..shopping around for best deals etc.) ","A) When did you last do each of the following things?:\n\n- Compared bank accounts to make sure you are not paying more fees or charges than you need to pay\n- Compared saving accounts to make sure you are receiving the best rate of interest on your savings\n- Compared credit cards or loans to make sure you are paying as little in interest as possible\n - Compared electricity or gas deals to make sure you are on the best deal available\n- Compared phone,  broadband or TV deals to make sure you are on the best deal available\n- Compared insurance policies (e.g. car, home, pet) to make sure you are on the best deal available\nCHOOSE ONE FOR EACH\n1. Within the last month\n2. Between one and three months ago\n3. Between three and six months ago\n4. Between six and one year ago\n5. Between one and five years ago\n6. More than five years ago\n7. Never \n8. Not applicable - don't have or need this\n\nB) And thinking about the last time you checked whether you were on the best deal, what did you do as a result?\nCHOOSE ONE FOR EACH CODED 1-6 ABOVE\n1. I switched product or provider \n2. I chose to stay with my current product/provider \n3. I haven’t made my mind up\n4. Don't know/can't remember",8]
[null,"Managing money well day-to-day",0,"Maximising income (e.g.. claim shopping around for best deals etc.)","Which of the following things, if any, do you currently do to make your money go further?  \nCHOOSE ALL THAT APPLY\n1. Shop around for food and groceries \n2. Look out for special offers or reduced items\n3. Plan meals in advance \n4. Make a shopping list\n5. Avoid treats and non-essential items\n6. Use money saving tips\n7. Turn lights/power off at home when they are not in use\n8. Check the charges on essential bills such as electricity or phone to see if there is a cheaper tariff or supplier available  \n9. None of these",9]
[null,"Managing money well day-to-day",0,"Maximising income (e.g. shopping around for best deals etc.) ","When choosing or renewing a product such as mobile phone contracts, energy tariffs, or credit cards which of the following is most like you.\nCHOOSE ONE ONLY\n1. I always spend time comparing different products  \n2. I sometimes spend time comparing different products but I don't always have the time\n3.  I  tend to make decisions based on convenience rather than shopping around.",10]
[null,"Managing money well day-to-day",0,"Maximising income (e.g.. claim benefits, shopping around for best deals etc.)","When did you last do each of the following things?:\n- Checked whether you are receiving all the benefits, tax credits or pension that you are entitlement to\n- Applied for new or additional benefits, tax credits or pension that you are entitled to\n- Increased or tried to increase your income in some other way (e.g. applied for a job, claimed grants)\nCHOOSE ONE FOR EACH\n1. Within the last month\n2. Between one and three months ago\n3. Between three and six months ago\n4. Between six and one year ago\n5. Between one and five years ago\n6. More than five years ago\n7. Never (SINGLE CODE ONLY)\n8. Not applicable - don't have or need this 9SINGLE CODE ONLY)",11]

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[null,null,"Adult Outcome Frameworks"]
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[null,"Behaviour - Saving regularly, for retirement and working towards goals"]
[null,"Select the questions that are relevant to your intervention -  use the first question for each indicator, "]
[null,"only use additional questions if that indicator is particularly important."]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[null,"General saving behaviour ",0,"Saving on a regular basis ","A) Which of these best describes how often you save money?\nCHOOSE ONE ONLY\n1. Every month\n2. Most months\n3. Some months, but not others\n4. Rarely/never\n5. Don’t know\n\nB) Just thinking about the months that you save money is the amount that you save…\n1. Roughly the same each month\n2. A little different from month to month\n3. Very different from month to month\n4. Don’t know\n\nC) About how much on average do you personally manage to save each month, at the moment? \nENTER AMOUNT IN £\nVaries too much to say",15]
[null,"General saving behaviour ",0,"How people save ","In which of the following ways are you currently putting money aside or saving it for a later time? \nCHOOSE ALL THAT APPLY\n1. By saving cash at home, in your wallet or another safe place\n2. Building up a balance of money in your bank account \n3. Paying money into a savings account\n4. Paying money into a credit union account \n5. Giving money to family to save on your behalf \n6. Saving in <an informal savings club> \n7. Buying financial investment products, other than pension funds [give examples such as bonds, investment trusts, stocks and shares]\n8. Or in some other way (including remittances, buying livestock, gold or property)\n9. None of these (SINGLE CODE ONLY)\n10. Don’t know",16]
[null,"General saving behaviour ",0,"What people save for ","A) People save money for different reasons.  Which, if any, of the following reasons are you saving for?\nCHOOSE ALL THAT APPLY\n1. For a specific expense, purchase or event\n2. For unexpected expenditures\n3. As a safety net or peace of mind\n4. To see my money grow/ as speculation\n5. Don't spend all of income\n6. No particular reason\n7. None of these\n\nIF CODE 1 AT A (SPECIFIC/PLANNED EXPENSES)\nB) What planned expenses, purchases or events, if any, are you saving for?\nCHOOSE ALL THAT APPLY \n1. For known or expected bills\n2. For holidays, day trips or other leisure activities \n3. For birthdays, Christmas, Eid or other celebrations\n4. Home improvements\n5. Purchasing a car/van/motorbike\n6. To buy, rent or move house\n7. A wedding\n8. Starting a family/having another child\n9. Education or change of career \n10. To help other family members financially through gifts or an inheritance\n11. To provide a regular income for the coming months\n12. To provide income for retirement\n13. Some other planned expense\n14. None of these",17]
[null,"Preparing for and managing life events",0,"Working towards relevant longer-term financial goals e.g.. home ownership","A) Which, if any, of these financial goals do you have for the next five years?\nPLEASE SELECT ALL THAT APPLY \n1. Just making ends meet day to day\n2. Paying off my debts/reducing debts\n3. To buy, rent or move house\n4. Saving money for a wedding\n5. Saving money to start a family/have another child\n6. Saving money for education (for me or my children)\n7. Saving money to help grown-up children to buy/rent  a home\n8. Saving money for a holiday\n9. Saving money for retirement\n10. Saving money for home improvements\n11. Saving money to purchase a car/van/motorbike\n12. Saving money generally\n13. Other (please specify)\n14. None of these (SINGLE CODE ONLY)",18]
[null,"Preparing for and managing life events",0,"Saving for retirement","Are you currently paying into one or more pensions? This can include an employer or any other type of private pension\nCHOOSE ONE ONLY\n1. Yes\n2. No\n3. I am retired so I am not paying into a pension\n4. Don’t know",19]
[null,"Preparing for and managing life events",0,"Saving for retirement","When did you last increase the amount you pay into your pension? \nCHOOSE THE FIRST ONE WHICH APPLIES TO YOU\n1. Within the last three months\n2. Within the last year\n3. Within the last two years\n4. Within the last five years\n5. Longer than five years ago\n6. I am retired so I am not paying into a pension",20]
[null,"Preparing for and managing life events",0,"Saving for retirement","I'd now like you to think about how much your income in retirement will be. \n\nA) Which of these statements best describes your knowledge of how much your income in retirement will be? \nCHOOSE ONE ONLY\n1. I have a good idea of what my income in retirement will be\n2. I have a fair idea of what my income in retirement will be\n3. I know vaguely whether I will have enough to live on or not in retirement, but no more than that\n4. I have no idea of what my income in retirement will be\n\nB) Which of the following best describes your expectations of your income in retirement? \nCHOOSE ONE ONLY\n1. I know it will meet my needs\n2. I know it won't meet my needs\n3. I don't know if it will meet my needs or not",21]
[null,"Preparing for and managing life events",0,"Saving for retirement","PRE\nThinking about the last [SIX] months, which of the following, if any, have you done in relation to your pension or retirement income? \nPOST\nSince [REFERENCE POINT], which of the following, if any, have you done in relation to your pension or retirement income? \nCHOOSE ALL THAT APPLY\n1. Checked whether my income will be enough will be enough to meet my needs in retirement\n2. Increased how much I am paying towards my retirement income\n3. None of these (SINGLE CODE ONLY)",22]

{"sheet":"Ins","index":13,"n_rows":8,"n_cols":6,"rows_kept":8,"cut":false,"hidden":false,"merged":[]}
[]
[null,null,"Adult Outcome Frameworks"]
[]
[null,"Behaviour - Insurance"]
[null,"Select the questions that are relevant to your intervention -  use the first question for each indicator, "]
[null,"only use additional questions if that indicator is particularly important."]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[null,"Preparing for and managing life events",0,"Having appropriate insurance/income protection","Which, if any, of the following protection products do you and your partner/spouse have, even if you didn't arrange them yourself? \nCHOOSE ALL THAT APPLY\n1.  Home insurance (covering contents and/or the building)\n2. Insurance for specific items (e.g. white goods, mobile phone)\n3. Payment protection insurance (e.g. for a credit card or mortgage)\n4. Private Medical Insurance (paying or part-paying private hospital or specialist health care)\n5. . Critical illness Insurance (paying a lump sum if you become seriously ill)\n6. Income protection insurance  (providing regular payments if you cannot work due to ill health or accident)\n7. Life insurance that pays out on death\n8. Anther type of insurance\n9. Funeral plan\n10. A will \n11.[OTHER/ADDITIONAL ITEMS]\n12. None of these (SINGLE CODE ONLY)",23]

{"sheet":"RDRC","index":14,"n_rows":11,"n_cols":6,"rows_kept":11,"cut":false,"hidden":false,"merged":[]}
[]
[null,null,"Adult Outcome Frameworks"]
[]
[null,"Behaviour - Budgeting, Keeping Track and Managing Bills"]
[null,"Select the questions that are relevant to your intervention -  use the first question for each indicator, "]
[null,"only use additional questions if that indicator is particularly important."]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[null,"Dealing with financial difficulties",0,"Taking steps to reduce their debt (such contacting creditors, sticking to an agreed repayment plan etc.) or to reduce their spending/commitments ","PRE\nWhich, if any, of the following steps have you taken [in the last X months] to reduce the amount of money you owe on your outstanding debts, including credit commitments and bill arrears?\nPOST\nWhich, if any, of the following steps have you taken since [REFERENCE POINT] to reduce the amount of money you owe on your outstanding debts, including credit commitments and bill arrears?\nCHOOSE ALL THAT APPLY\n1. Increased my regular payments\n2. Paid a lump sum towards them\n3. Spoken to my lender\n4. Sought independent advice (e.g. from Citizen's Advice Bureau, StepChange, Money Advice Service, [OTHERS])\n5. Consolidate your loans or credit cards\n6. Set up a Debt Management Plan or Debt Arrangement Scheme\n7. Arranged to write off some or all of my debts (e.g. Applied for bankruptcy or a debt relief order or set up an IVA)\n8. None of these  (SINGLE CODE ONLY)\n9. Do not have any debts  (SINGLE CODE ONLY)\n",1]
[null,"Managing money well day-to-day",0,"Using credit responsibly/sensibly","Which of the following describes how you normally repay the money owed on your credit or store card(s) ?\nCHOOSE ONE ONLY\n1. The minimum payment allowed\n2. More than the minimum but less than the full amount\n3. The full amount\n4. It varies too much to say\n5. Don’t know\n6. Prefer not so say",12]
[null,"Managing money well day-to-day",0,"Using credit responsibly/sensibly ]","Which of the following, if any, do you currently have? \nCHOOSE ALL THAT APPLY\n1. A credit card which you are using to pay off another card\n2. A credit or store card which you are unable to make the minimum payments on\n3. A loan, hire purchase or mail order account which you are unable to pay when the payment(s) came due  \n4. A loan, including a payday or pawnbroking loan, which you have rolled over, extended or renewed\n5. An authorised overdraft balance which is getting bigger each month \n6. An unauthorised overdraft which you are using\n7. Money you have borrowed from an unlicensed lender ('loan shark') \n8. None of these (SINGLE CODE ONLY)\n9. Don't know (SINGLE CODE ONLY)\n10. Prefer not to say (SINGLE CODE ONLY)",13]
[null,"Managing money well day-to-day",0,"Using credit responsibly/sensibly","A) Do you and your household ever [use credit or borrow money] to buy food or pay for other necessary items because you have run short of money?\nCHOOSE ONE ONLY\n1. Yes, regularly\n2. Yes, sometimes \n3. No\n\nB) And which of the following types of credit would you normally use to pay for food or other necessary items?\n1. Credit or store card\n2. Overdraft \n3. Payday loan\n3. Loan from company that collects payments from your home (e.g. Provident, Greenwoods)\n5. Loan from a pawnbroker\n7. Loan from a Credit Union or other community finance organisation\n8. A loan from a friend or relative.\n9. Loan from the Social Fund\n10. Loan from an unlicensed lender who charges interest, sometimes called a loan shark\n11. Any other type of loan from a bank, building society or finance company e.g. Norton Finance, Blackhorse car finance\n11) Something else\n12) Don't know\n13) Prefer not to say",14]

{"sheet":"ADV","index":15,"n_rows":9,"n_cols":6,"rows_kept":9,"cut":false,"hidden":false,"merged":[]}
[]
[null,null,"Adult Outcome Frameworks"]
[]
[null,"Behaviour - Actively seeking advice / guidance"]
[null,"Select the questions that are relevant to your intervention -  use the first question for each indicator, "]
[null,"only use additional questions if that indicator is particularly important."]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[null,"Cross-cutting",0,"Proactively seeking advice and guidance ","PRE\nWhich of these, if any, have you sought advice from in relation to money or your finances in the last [SIX] months?\nPOST\nWhich of these, if any, have you sought advice from in relation to money or finances since [REFERENCE POINT]?\nCODE ALL THAT APPLY\n1. A free advice agency (Citizens Advice Bureau, money advice centre, debt advice agency, law centre, consumer credit counselling service, National Debtline)\n2. A fee-charging advice company\n3. An insolvency practitioner\n4. Accountant, bank manager or other financial adviser\n5. Solicitor or lawyer\n6. A social landlord\n7. Friends or relatives\n8. The internet\n9. Some other source \n10. None of these (SINGLE CODE ONLY)",24]
[null,"Cross-cutting",0,"Proactively seeking advice and guidance online","How often in the last [THREE MONTHS] have you gone online for the following purposes?\n\n- For information or advice on a financial product you needed or wanted\n- To find out whether a financial product was suitable for you\n- To compare financial products to find the best deal for you\n\nCHOOSE ONE FOR EACH\n1. Every day\n2. Every week\n3. Every few weeks\n4. Never \n5. Don’t know",25]

{"sheet":"FinP","index":16,"n_rows":10,"n_cols":6,"rows_kept":10,"cut":false,"hidden":false,"merged":[[3,1,3,4]]}
[]
[null,null,"Adult Outcome Frameworks"]
[]
[null,"Connection - Access to financial products and advice "]
[null,"Select the questions that are relevant to your intervention -  use the first question for each indicator, "]
[null,"only use additional questions if that indicator is particularly important."]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[null,"Ease & Accessibility ","Exposure and access to appropriate financial advice, guidance and tools and appropriate financial products and channels","People have the physical ability to access financial advice, guidance and tools which meet their needs in a form and language they can understand, and channel they can use effectively","How easy or difficult is it for you to do each of the following things?\nCHOOSE ONE ONLY FOR EACH\n-Get to a Citizens Advice Bureau or other advice agency using your normal forms of transport\n-Get to a Jobcentre Plus or local benefit office using your normal forms of transport\n-Use a telephone in private to discuss financial matters\n-Receive confidential financial information by post\n\n1.Very easy\n2.Quite easy\n3.Quite difficult\n4.Very difficult\n5.Unable to go\n6.Do not wish to go",1]
[null,"Ease & Accessibility ","Exposure and access to appropriate financial advice, guidance and tools and appropriate financial products and channels","People have the physical ability to access appropriate financial products which meet their needs via appropriate channels","How easy or difficult is it for you to do each of the folllowing things?\nCHOOSE ONE ONLY FOR EACH\n- Get to a Post Office using your normal forms of transport\n- Get to a Cash point using your normal forms of transport\n- Get to a Bank, building society or credit union using your normal forms of transport\n- Receive confidential financial documents by post, such as a payment card or chequebook\n\n1.Very easy\n2.Quite easy\n3.Quite difficult\n4.Very difficult\n5.Unable to go\n6.Do not wish to go",2]
[null,"Ease & Accessibility ","Exposure and access to appropriate financial advice, guidance and tools and appropriate financial products and channels","People have the technical ability to access financial advice, guidance and tools which meet their needs in a form and language they can understand, and channel they can use effectively and to access appropriate financial products which meet their needs via appropriate channels","In which of the following ways, if any, can or do you use the internet when you need to access information about money or your finances?\nCHOOSE ALL THAT APPLY\n1. At home, using a computer or laptop\n2. At home, using a mobile phone, tablet or internet-enabled TV\n3. At work, college or at a friend or relative's home\n4. In a library, community centre or other public setting\n5. Somewhere else\n6. Do not use the internet",4]

{"sheet":"Bank","index":17,"n_rows":8,"n_cols":6,"rows_kept":8,"cut":false,"hidden":false,"merged":[]}
[]
[null,null,"Adult Outcome Frameworks"]
[]
[null,"Connection - Banking/Saving"]
[null,"Select the questions that are relevant to your intervention -  use the first question for each indicator, "]
[null,"only use additional questions if that indicator is particularly important."]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[null,"Ease & Accessibility ","Exposure and access to appropriate financial advice, guidance and tools and appropriate financial products and channels","People have the physical ability to access appropriate financial products which meet their needs via appropriate channels ","Which of the following types of everyday accounts do you have, if any, either in your own name or jointly with someone else? These might be held with a bank, building society or other provider such as a credit union or post office. \nCHOOSE ALL THAT APPLY\n1. Current account (usually offered with an overdraft facility, even if you don't want one)\n2. Basic Bank Account (normally without an overdraft facility)\n3. Post Office Card Account (for receiving your pension, benefits or tax credits) \n4. A saving deposit account (e.g. an instant access or notice account, including cash ISA)\n5. None of these",3]

{"sheet":"KTA","index":18,"n_rows":12,"n_cols":6,"rows_kept":12,"cut":false,"hidden":false,"merged":[]}
[]
[null,null,"Adult Outcome Frameworks"]
[]
[null,"Mindset - Attitudes towards: Keeping Track, Managing Money and feeling in control\n"]
[null,"Select the questions that are relevant to your intervention -  use the first question for each indicator, "]
[null,"only use additional questions if that indicator is particularly important."]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[null," Financial attitudes and motivations","Attitudes to money","People are motivated to keep track of their finances\n\n","How important, if at all, do you think it is to keep track of your household’s income and expenditure \n\n1. Very important\n2. Fairly important\n3. Neither important nor unimportant\n4. Fairly unimportant\n5. Very unimportant\n6. Don’t know\n",3]
[null," Financial attitudes and motivations","Attitudes to money","Attitudes to managing money"," A) I feel under pressure to spend money on my children even when I can't afford it 0 (does not sound like me at all) to 10 (sounds a lot like me)\n\nB) I feel under pressure to have a lifestyle which I can't really afford.0 (does not sound like me at all) to 10 (sounds a lot like me)\n\n0 does not sound like me\n...\n10 sounds a lot like me\nDon't know\nNot applicable",5]
[null," Financial attitudes and motivations","Attitudes to money","Attitudes to managing money","To what extent do you agree or disagree with the\nstatement \n\n“I am too busy to sort out my finances at the moment\"\n \"Nothing I do will make much difference to my financial situation\"\n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know\n",6]
[null,"General attitudes and motivations (applied to money)","Self-confidence","People have confidence in their approach to budgetting \n\n","Thinking overall about your (and your partner/spouse’s) approach to keeping track of income and expenditure, how well do you think this approach works?\n\nPlease answer on a scale of 0 to 10, where 0 means not at all well and 10 means very well\n\n0…10 scale\nDon't know",19]
[null,"General attitudes and motivations (applied to money)","Self-confidence","People feel in control of their financial situation\n","How much do you agree or disagree with each of the following statements?  \n \n- I am very organised when it comes to managing my money day to day\n - I feel in control of my finances*\n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know\n \n",20]

{"sheet":"KTA2","index":19,"n_rows":9,"n_cols":6,"rows_kept":9,"cut":false,"hidden":false,"merged":[]}
[]
[null,null,"Adult Outcome Frameworks"]
[]
[null,"Mindset - Self Control and Willingness to adapt"]
[null,"Select the questions that are relevant to your intervention -  use the first question for each indicator, "]
[null,"only use additional questions if that indicator is particularly important."]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[null,"General attitudes and motivations (applied to money)","Self-control","People are able to abstain from/delay spending in order to live within their means and save for the future\n\n","How much do you agree or disagree with each of the following statements?  \n \n- I tend to buy things even when I can’t really afford them\n - I tend to live for today and let tomorrow take care of itself  \n - I find it more satisfying to spend money than to save it for the long term \n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know",26]
[null,"General attitudes and motivations (applied to money)","Adaptability",null," I am prepared to adjust the amount of money I spend on non-essentials if my life changes: 0 (does not sound like me at all) to 10 (sounds a lot like me)\n\n0…10 scale\nDon't know",27]

{"sheet":"MMF","index":20,"n_rows":9,"n_cols":6,"rows_kept":9,"cut":false,"hidden":false,"merged":[]}
[]
[null,null,"Adult Outcome Frameworks"]
[]
[null,"Mindset - Value making money go further and confident choosing products and services"]
[null,"Select the questions that are relevant to your intervention -  use the first question for each indicator, "]
[null,"only use additional questions if that indicator is particularly important."]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[null," Financial attitudes and motivations","Attitudes to money","People value making their money go further (eg. by shopping around and switching)\n\n","Q3\nAnd how much do you agree or disagree with each of the following statements?:\n- I prefer to stick with one company over time rather than keep changing suppliers*\n - There's no point in switching providers, it's not worth the hassle \n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know\n",7]
[null,"General attitudes and motivations (applied to money)","Self-confidence","People have the confidence to choose appropriate products/services","How confident do you feel making decisions about financial products and services?  \n\nPlease answer on a scale of 0 to 10, where 0 is ‘not at all confident and 10 is ‘very confident\n 0…10 scale\nDon't know\n",24]

{"sheet":"MSav","index":21,"n_rows":11,"n_cols":6,"rows_kept":11,"cut":false,"hidden":false,"merged":[]}
[]
[null,null,"Adult Outcome Frameworks"]
[]
[null,"Mindset - "]
[null,"Select the questions that are relevant to your intervention -  use the first question for each indicator, "]
[null,"only use additional questions if that indicator is particularly important."]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[null," Financial attitudes and motivations","Attitudes to money","People value saving for expected and unexpected events\n\n","How much do you agree or disagree with each of the following statements?  \n\n - I find it more satisfying to spend money than to save it for the long term \n- I always make sure I have some money saved to pay for emergencies or unexpected expenses*\n - If I had to choose, I would rather have a good standard of living today than save for the future.\n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know\n",8]
[null," Financial attitudes and motivations","Attitudes to the future","People have concrete short to medium term financial goals and/or longer term aspirations\n","A) Which, if any, of these financial goals do you have for the next five years?\nPLEASE SELECT ALL THAT APPLY \n1. Just making ends meet day to day\n2. Paying off my debts/reducing debts\n3. To buy, rent or move house\n4. Saving money for a wedding\n5. Saving money to start a family/have another child\n6. Saving money for education (for me or my children)\n7. Saving money to help grown-up children to buy/rent  a home\n8. Saving money for a holiday\n9. Saving money for retirement\n10. Saving money for home improvements\n11. Saving money to purchase a car/van/motorbike\n12. Saving money generally\n13. Other (please specify)\n14. None of these (SINGLE CODE ONLY)\n\nFOR EACH CODED ABOVE\nB) How much of a plan do you have about how you will achieve your financial goal for <ANSWER FROM ABOVE>. \nPlease answer on a scale of 0 to 10, where 0 means you don’t have a plan of what you need to do and 10 means you have a very specific plan of what you need to do.\n0 I don’t have a plan of what I need to do, I just know I want to do it\n...\n10 I have a very specific plan of what I need to do\nDon’t know",12]
[null," Financial attitudes and motivations","Attitudes to the future","People have concrete short to medium term financial goals and/or longer term aspirations\n","Taking all this into account, how confident are you that your household income in retirement will (continue to) give you the standard of living you hope for? \nCHOOSE ONE ONLY\n1. Very confident\n2. Fairly confident\n3. Not very confident\n4. Not at all confident\n5. Don’t know",13]
[null,"General attitudes and motivations (applied to money)","Self-confidence","People have the confidence to choose an appropriate pension product","How much do you agree or disagree with each of the following statements?  \n \n - I know enough about pensions to decide with confidence  how to save for my retirement \n - Sometimes pensions seem so complicated that I cannot really understand the best thing to do \n - Dealing with pensions scares me \n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know",25]

{"sheet":"MSav2","index":22,"n_rows":10,"n_cols":6,"rows_kept":10,"cut":false,"hidden":false,"merged":[]}
[]
[null,null,"Adult Outcome Frameworks"]
[]
[null,"Mindset - "]
[null,"Select the questions that are relevant to your intervention -  use the first question for each indicator, "]
[null,"only use additional questions if that indicator is particularly important."]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[null," Financial attitudes and motivations","Attitudes to the future","People anticipate and plan for less positive scenarios (eg. planning for care costs) \n\n","Have you thought about or made any plans about how you might fund any care and support needs as you get older?\nCODES 4,5,6,7 CAN BE MULTI-CODED\n1 I've thought about it but haven t done anything specific \n2 I haven t really thought about it\n3 I don’t think there is anything I can do to plan\nfor this now/I can’t afford to make any such plans\n4 I am saving money which I could use for these kinds of needs(eg insurance, savings, pension, investment, care plan etc)\n5 I am buying/have bought a property and would be willing to use  its value to pay for care needs in the\nfuture\n6 I expect my family to help fund any such care\n7 Other (please specify)\n8 Don't know\n",14]
[null," Financial attitudes and motivations","Attitudes to the future","People anticipate and plan for less positive scenarios (eg. planning for care costs) \n\n","Have you thought about or made any plans about how you might cope financially with an unexpected fall in household income due to changes to tax or benefits?\nCODES 4,5,6 CAN BE MULTI-CODED\n1 I've thought about it but haven't done anything specific \n2 I haven t really thought about it\n3 I don’t think there is anything I can do to plan\nfor this now/I can’t afford to make any such plans\n4 I am saving money which I could use for these kinds of eventuality (eg savings, investment,  etc)\n5 I would expect my family to help me out financially\n6 Other (please specify)\n7 Don't know\n",15]
[null," Financial attitudes and motivations","Attitudes to the future","People anticipate and plan for less positive scenarios (eg. planning for care costs) \n\n","Have you thought about or made any plans about how you might cope financially with an unexpected fall in household income for example due to redundancy or ill-health?\nCODES 4,5,6 CAN BE MULTI-CODED\n1 I've thought about it but haven't done anything specific \n2 I haven t really thought about it\n3 I don’t think there is anything I can do to plan\nfor this now/I can’t afford to make any such plans\n4 I am saving money which I could use for these kinds of needs(eg savings, investment,  etc)\n5 I have an income-protection insurance policy to cover these tyopes of eventuality\n6 I would expect my family to help me out financially\n7 Other (please specify)\n8 Don't know\n",16]

{"sheet":"TSW","index":23,"n_rows":11,"n_cols":6,"rows_kept":11,"cut":false,"hidden":false,"merged":[]}
[]
[null,null,"Adult Outcome Frameworks"]
[]
[null,"Mindset - Trust financial institutions, self control and willingness to adapt\n"]
[null,"Select the questions that are relevant to your intervention -  use the first question for each indicator, "]
[null,"only use additional questions if that indicator is particularly important."]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[null," Financial attitudes and motivations","Attitudes to financial institutions","People trust financial institutions (such as banks and credit unions) to provide them with appropriate products, services and advice\n\n\n"," How much do you agree or disagree with each of the following statements?  \n\n - There is no point taking out insurance as they rarely pay out when something goes wrong \n - I  trust pension providers to act in my best interests \n - I trust pension providers to make the most of money that people pay in\n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know",18]
[null,"General attitudes and motivations (applied to money)","Self-confidence","People have the confidence to choose an appropriate pension product","How much do you agree or disagree with each of the following statements?  \n \n - I know enough about pensions to decide with confidence  how to save for my retirement \n - Sometimes pensions seem so complicated that I cannot really understand the best thing to do \n - Dealing with pensions scares me \n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know",25]
[null,"General attitudes and motivations (applied to money)","Self-control","People are able to abstain from/delay spending in order to live within their means and save for the future\n\n","How much do you agree or disagree with each of the following statements?  \n \n- I tend to buy things even when I can’t really afford them\n - I tend to live for today and let tomorrow take care of itself  \n - I find it more satisfying to spend money than to save it for the long term \n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know",26]
[null,"General attitudes and motivations (applied to money)","Adaptability",0," I am prepared to adjust the amount of money I spend on non-essentials if my life changes: 0 (does not sound like me at all) to 10 (sounds a lot like me)\n\n0…10 scale\nDon't know",27]

{"sheet":"MC","index":24,"n_rows":11,"n_cols":6,"rows_kept":11,"cut":false,"hidden":false,"merged":[]}
[]
[null,null,"Adult Outcome Frameworks"]
[]
[null,"Mindset - Cautious attitutude to debt, consider the risk of interest rate rises, confidence dealing with creditors and Self Control\n"]
[null,"Select the questions that are relevant to your intervention -  use the first question for each indicator, "]
[null,"only use additional questions if that indicator is particularly important."]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[null," Financial attitudes and motivations","Attitudes to money","People have a cautious attitude to debt and credit \n\n","I am now going to read you some things that other people have said about managing money. Please tell me how strongly you agree or disagree with them.\n\n\n - Spending to the maximum on all my credit cards is a way of life for me\n - I hate to borrow – I would much rather save up in advance\n - Sometimes I ignore letters and phone calls in case they are to tell me that I owe money\n  - Being in debt does not worry me\n - I would prefer to have luxuries and treats than be debt free \n- I would rather cut back than run up debts on a credit card\n - It's okay to constantly use an overdraft *\n- I prefer to buy things on credit rather than wait and save up\n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know\n",9]
[null," Financial attitudes and motivations","Attitudes to the future","People anticipate and plan for less positive scenarios (eg. planning for care costs) \n\n","Have you thought about or made any plans about how you might cope financially with extra mortgage costs associated with an interest rate rise?\nCODES 4,5,6,7 CAN BE MULTI-CODED\n1 I've thought about it but haven t done anything specific \n2 I haven t really thought about it\n3 I don’t think there is anything I can do to plan\nfor this now/I can’t afford to make any such plans\n4 I am saving money which I could use for these kinds of needs(eg insurance, savings, investment,  etc)\n5 I am considering switching to a different mortgage product \n6 I would expect my family to help me out financially\n7 Other (please specify)\n8 Don't know\n",17]
[null,"General attitudes and motivations (applied to money)","Self-confidence","People have the confidence to question or challenge their creditors\n","A) - If you owed money, how confident would you feel negotiating with creditors or organisations you owe money to\n\n\n1.Very confident \n2. Fairly confident \n3. Not very confident \n4. Not at all confident\n5. Don't know\n",23]
[null,"General attitudes and motivations (applied to money)","Self-control","People are able to abstain from/delay spending in order to live within their means and save for the future\n\n","How much do you agree or disagree with each of the following statements?  \n \n- I tend to buy things even when I can’t really afford them\n - I tend to live for today and let tomorrow take care of itself  \n - I find it more satisfying to spend money than to save it for the long term \n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know",26]

{"sheet":"MD","index":25,"n_rows":12,"n_cols":6,"rows_kept":12,"cut":false,"hidden":false,"merged":[]}
[]
[null,null,"Adult Outcome Frameworks"]
[]
[null,"Mindset - Attitudes to money advice and talking to others about money"]
[null,"Select the questions that are relevant to your intervention -  use the first question for each indicator, "]
[null,"only use additional questions if that indicator is particularly important."]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[null,"Financial attitudes and motivations","Attitudes to receiving money advice and guidance",0,"How likely is that you would seek advice from an external advice organisation to deal with money worries?\nCHOOSE ONE ONLY\n1.Very likely\n2. Fairly likely\n3. Fairly unlikely\n4. Very unlikely\n5. Don’t know\n",1]
[null," Financial attitudes and motivations","Attitudes to receiving money advice and guidance",0,"How much do you agree or disagree with each of the following statements?  \n\n - Seeking financial advice seems too daunting \n - I think I would make better financial decisions with the help of advice\n -  I would feel too embarrassed to seek professional advice about money problems \n - When it comes to financial advice I don't know where to start. \n -  I can sort out my own money issues, without seeking advice \n - When it comes to choosing financial products, I find there is not enough information out there that I can trust \n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know\n",2]
[null," Financial attitudes and motivations","Attitudes to money","People talk openly and honestly about money with friends and family\n","How much do you agree or disagree with each of the following statements?  \n\n - I would be too embarrassed to discuss my financial situation\n \n- I would talk to family and friends before making an important financial decision\n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know\n",10]
[null," Financial attitudes and motivations","Attitudes to money","People talk openly and honestly about money with friends and family\n\n","Do you discuss your household finances openly with any of the following people?\nSELECT ALL THAT APPLY \n1. Friends\n2. My partner/spouse\n3. Parents/Family\n4. My children\n5. My colleagues\n6. Members of my local community\n7. Other, please specify\n8. I prefer not to talk about my finances with any of these people (SINGLE CODE ONLY)\n9. Don’t know (SINGLE CODE ONLY)\n",11]
[null,"General attitudes and motivations (applied to money)","Self-confidence","People have the confidence to question or challenge financial advice they are given\n","How confident would you feel  talking to people who can give you advice about money\n\n1.Very confident \n2. Fairly confident \n3. Not very confident \n4. Not at all confident\n5. Don't know\n",22]

{"sheet":"Mindset","index":26,"n_rows":33,"n_cols":6,"rows_kept":33,"cut":false,"hidden":false,"merged":[]}
[]
[null,null,"Adult Outcome Frameworks"]
[]
[null,"Mindset - "]
[null,"Please select the first question for each indicator"]
[]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[null,"Financial attitudes and motivations","Attitudes to receiving money advice and guidance",0,"How likely is that you would seek advice from an external advice organisation to deal with money worries?\nCHOOSE ONE ONLY\n1.Very likely\n2. Fairly likely\n3. Fairly unlikely\n4. Very unlikely\n5. Don’t know\n",1]
[null," Financial attitudes and motivations","Attitudes to receiving money advice and guidance",0,"How much do you agree or disagree with each of the following statements?  \n\n - Seeking financial advice seems too daunting \n - I think I would make better financial decisions with the help of advice\n -  I would feel too embarrassed to seek professional advice about money problems \n - When it comes to financial advice I don't know where to start. \n -  I can sort out my own money issues, without seeking advice \n - When it comes to choosing financial products, I find there is not enough information out there that I can trust \n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know\n",2]
[null," Financial attitudes and motivations","Attitudes to money","People are motivated to keep track of their finances\n\n","How important, if at all, do you think it is to keep track of your household’s income and expenditure \n\n1. Very important\n2. Fairly important\n3. Neither important nor unimportant\n4. Fairly unimportant\n5. Very unimportant\n6. Don’t know\n",3]
[null," Financial attitudes and motivations","Attitudes to money","Attitudes to managing money"," A) I feel under pressure to spend money on my children even when I can't afford it 0 (does not sound like me at all) to 10 (sounds a lot like me)\n\nB) I feel under pressure to have a lifestyle which I can't really afford.0 (does not sound like me at all) to 10 (sounds a lot like me)\n\n0 does not sound like me\n...\n10 sounds a lot like me\nDon't know\nNot applicable",5]
[null," Financial attitudes and motivations","Attitudes to money","Attitudes to managing money","To what extent do you agree or disagree with the\nstatement \n\n“I am too busy to sort out my finances at the moment\"\n \"Nothing I do will make much difference to my financial situation\"\n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know\n",6]
[null," Financial attitudes and motivations","Attitudes to money","People value making their money go further (eg. by shopping around and switching)\n\n","Q3\nAnd how much do you agree or disagree with each of the following statements?:\n- I prefer to stick with one company over time rather than keep changing suppliers*\n - There's no point in switching providers, it's not worth the hassle \n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know\n",7]
[null," Financial attitudes and motivations","Attitudes to money","People value saving for expected and unexpected events\n\n","How much do you agree or disagree with each of the following statements?  \n\n - I find it more satisfying to spend money than to save it for the long term \n- I always make sure I have some money saved to pay for emergencies or unexpected expenses*\n - If I had to choose, I would rather have a good standard of living today than save for the future.\n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know\n",8]
[null," Financial attitudes and motivations","Attitudes to money","People have a cautious attitude to debt and credit \n\n","I am now going to read you some things that other people have said about managing money. Please tell me how strongly you agree or disagree with them.\n\n\n - Spending to the maximum on all my credit cards is a way of life for me\n - I hate to borrow – I would much rather save up in advance\n - Sometimes I ignore letters and phone calls in case they are to tell me that I owe money\n  - Being in debt does not worry me\n - I would prefer to have luxuries and treats than be debt free \n- I would rather cut back than run up debts on a credit card\n - It's okay to constantly use an overdraft *\n- I prefer to buy things on credit rather than wait and save up\n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know\n",9]
[null," Financial attitudes and motivations","Attitudes to money","People talk openly and honestly about money with friends and family\n","How much do you agree or disagree with each of the following statements?  \n\n - I would be too embarrassed to discuss my financial situation\n \n- I would talk to family and friends before making an important financial decision\n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know\n",10]
[null," Financial attitudes and motivations","Attitudes to money","People talk openly and honestly about money with friends and family\n\n","Do you discuss your household finances openly with any of the following people?\nSELECT ALL THAT APPLY \n1. Friends\n2. My partner/spouse\n3. Parents/Family\n4. My children\n5. My colleagues\n6. Members of my local community\n7. Other, please specify\n8. I prefer not to talk about my finances with any of these people (SINGLE CODE ONLY)\n9. Don’t know (SINGLE CODE ONLY)\n",11]
[null," Financial attitudes and motivations","Attitudes to the future","People have concrete short to medium term financial goals and/or longer term aspirations\n","A) Which, if any, of these financial goals do you have for the next five years?\nPLEASE SELECT ALL THAT APPLY \n1. Just making ends meet day to day\n2. Paying off my debts/reducing debts\n3. To buy, rent or move house\n4. Saving money for a wedding\n5. Saving money to start a family/have another child\n6. Saving money for education (for me or my children)\n7. Saving money to help grown-up children to buy/rent  a home\n8. Saving money for a holiday\n9. Saving money for retirement\n10. Saving money for home improvements\n11. Saving money to purchase a car/van/motorbike\n12. Saving money generally\n13. Other (please specify)\n14. None of these (SINGLE CODE ONLY)\n\nFOR EACH CODED ABOVE\nB) How much of a plan do you have about how you will achieve your financial goal for <ANSWER FROM ABOVE>. \nPlease answer on a scale of 0 to 10, where 0 means you don’t have a plan of what you need to do and 10 means you have a very specific plan of what you need to do.\n0 I don’t have a plan of what I need to do, I just know I want to do it\n...\n10 I have a very specific plan of what I need to do\nDon’t know",12]
[null," Financial attitudes and motivations","Attitudes to the future","People have concrete short to medium term financial goals and/or longer term aspirations\n","Taking all this into account, how confident are you that your household income in retirement will (continue to) give you the standard of living you hope for? \nCHOOSE ONE ONLY\n1. Very confident\n2. Fairly confident\n3. Not very confident\n4. Not at all confident\n5. Don’t know",13]
[null," Financial attitudes and motivations","Attitudes to the future","People anticipate and plan for less positive scenarios (eg. planning for care costs) \n\n","Have you thought about or made any plans about how you might fund any care and support needs as you get older?\nCODES 4,5,6,7 CAN BE MULTI-CODED\n1 I've thought about it but haven t done anything specific \n2 I haven t really thought about it\n3 I don’t think there is anything I can do to plan\nfor this now/I can’t afford to make any such plans\n4 I am saving money which I could use for these kinds of needs(eg insurance, savings, pension, investment, care plan etc)\n5 I am buying/have bought a property and would be willing to use  its value to pay for care needs in the\nfuture\n6 I expect my family to help fund any such care\n7 Other (please specify)\n8 Don't know\n",14]
[null," Financial attitudes and motivations","Attitudes to the future","People anticipate and plan for less positive scenarios (eg. planning for care costs) \n\n","Have you thought about or made any plans about how you might cope financially with an unexpected fall in household income due to changes to tax or benefits?\nCODES 4,5,6 CAN BE MULTI-CODED\n1 I've thought about it but haven't done anything specific \n2 I haven t really thought about it\n3 I don’t think there is anything I can do to plan\nfor this now/I can’t afford to make any such plans\n4 I am saving money which I could use for these kinds of eventuality (eg savings, investment,  etc)\n5 I would expect my family to help me out financially\n6 Other (please specify)\n7 Don't know\n",15]
[null," Financial attitudes and motivations","Attitudes to the future","People anticipate and plan for less positive scenarios (eg. planning for care costs) \n\n","Have you thought about or made any plans about how you might cope financially with an unexpected fall in household income for example due to redundancy or ill-health?\nCODES 4,5,6 CAN BE MULTI-CODED\n1 I've thought about it but haven't done anything specific \n2 I haven t really thought about it\n3 I don’t think there is anything I can do to plan\nfor this now/I can’t afford to make any such plans\n4 I am saving money which I could use for these kinds of needs(eg savings, investment,  etc)\n5 I have an income-protection insurance policy to cover these tyopes of eventuality\n6 I would expect my family to help me out financially\n7 Other (please specify)\n8 Don't know\n",16]
[null," Financial attitudes and motivations","Attitudes to the future","People anticipate and plan for less positive scenarios (eg. planning for care costs) \n\n","Have you thought about or made any plans about how you might cope financially with extra mortgage costs associated with an interest rate rise?\nCODES 4,5,6,7 CAN BE MULTI-CODED\n1 I've thought about it but haven t done anything specific \n2 I haven t really thought about it\n3 I don’t think there is anything I can do to plan\nfor this now/I can’t afford to make any such plans\n4 I am saving money which I could use for these kinds of needs(eg insurance, savings, investment,  etc)\n5 I am considering switching to a different mortgage product \n6 I would expect my family to help me out financially\n7 Other (please specify)\n8 Don't know\n",17]
[null," Financial attitudes and motivations","Attitudes to financial institutions","People trust financial institutions (such as banks and credit unions) to provide them with appropriate products, services and advice\n\n\n"," How much do you agree or disagree with each of the following statements?  \n\n - There is no point taking out insurance as they rarely pay out when something goes wrong \n - I  trust pension providers to act in my best interests \n - I trust pension providers to make the most of money that people pay in\n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know",18]
[null,"General attitudes and motivations (applied to money)","Self-confidence","People have confidence in their approach to budgetting \n\n","Thinking overall about your (and your partner/spouse’s) approach to keeping track of income and expenditure, how well do you think this approach works?\n\nPlease answer on a scale of 0 to 10, where 0 means not at all well and 10 means very well\n\n0…10 scale\nDon't know",19]
[null,"General attitudes and motivations (applied to money)","Self-confidence","People feel in control of their financial situation\n","How much do you agree or disagree with each of the following statements?  \n \n- I am very organised when it comes to managing my money day to day\n - I feel in control of my finances*\n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know\n \n",20]
[null,"General attitudes and motivations (applied to money)","Self-confidence","People have the confidence to question or challenge financial advice they are given \n\n","How much do you agree or disagree with the following statement?  \n \n- When dealing with companies or making purchases, I would consider myself to be a confident and savvy customer\n \n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know\n",21]
[null,"General attitudes and motivations (applied to money)","Self-confidence","People have the confidence to question or challenge financial advice they are given\n","How confident would you feel  talking to people who can give you advice about money\n\n1.Very confident \n2. Fairly confident \n3. Not very confident \n4. Not at all confident\n5. Don't know\n",22]
[null,"General attitudes and motivations (applied to money)","Self-confidence","People have the confidence to question or challenge their creditors\n","A) - If you owed money, how confident would you feel negotiating with creditors or organisations you owe money to\n\n\n1.Very confident \n2. Fairly confident \n3. Not very confident \n4. Not at all confident\n5. Don't know\n",23]
[null,"General attitudes and motivations (applied to money)","Self-confidence","People have the confidence to choose appropriate products/services","How confident do you feel making decisions about financial products and services?  \n\nPlease answer on a scale of 0 to 10, where 0 is ‘not at all confident and 10 is ‘very confident\n 0…10 scale\nDon't know\n",24]
[null,"General attitudes and motivations (applied to money)","Self-confidence","People have the confidence to choose an appropriate pension product","How much do you agree or disagree with each of the following statements?  \n \n - I know enough about pensions to decide with confidence  how to save for my retirement \n - Sometimes pensions seem so complicated that I cannot really understand the best thing to do \n - Dealing with pensions scares me \n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know",25]
[null,"General attitudes and motivations (applied to money)","Self-control","People are able to abstain from/delay spending in order to live within their means and save for the future\n\n","How much do you agree or disagree with each of the following statements?  \n \n- I tend to buy things even when I can’t really afford them\n - I tend to live for today and let tomorrow take care of itself  \n - I find it more satisfying to spend money than to save it for the long term \n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know",26]
[null,"General attitudes and motivations (applied to money)","Adaptability",0," I am prepared to adjust the amount of money I spend on non-essentials if my life changes: 0 (does not sound like me at all) to 10 (sounds a lot like me)\n\n0…10 scale\nDon't know",27]

{"sheet":"Ability","index":27,"n_rows":42,"n_cols":6,"rows_kept":42,"cut":false,"hidden":false,"merged":[]}
[]
[null,null,"Adult Outcome Frameworks"]
[]
[null,"Ability - "]
[null,"Please select the first question for each indicator"]
[]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[]
[null,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People are able to answer basic questions around different financial products e.g. bank accounts, loan types and investments.\n\n","[FLEXIBLE QUESTION = CHOOSE/ADD OPTIONS AS APPLICABLE]\nWhich of these statements best describes how knowledgeable you feel about...\n\n - Bank accounts\n - Credit cards\n - Mortgages\n - Savings accounts \n - Credit Unions\n - Investments\n - Pensions\n - Insurance\n - The different types of financial fraud\n - the different types of loans and credit' \n[OTHERS]\n\nI have a good knowledge\nI have a reasonable knowledge\nI have a basic knowledge but do not understand the details\nMy knowledge is very limited \nI know nothing about this\n","STEM Question A"]
[null,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People are able to answer basic questions around different financial products e.g. bank accounts, loan types and investments.\n\n","[FLEXIBLE QUESTION = CHOOSE/ADD OPTIONS AS APPLICABLE]\nWhich of these statements best describes your ability in ...\n - Using a price comparison website\n - Checking the balance on your bank account\n - Creating a weekly or monthly household budget\n - Comparing different insurance products to check you are getting the best deal\n - Comparing different savings products to check you are getting the account which is best for you\n   - Comparing different loans and credit products to check you are getting the best product for you\n - Checking you are getting all benefits you are entitled to\n - Checking how much pension income you will get when you retire\n - Planning a pension that will provide you with the income in retirement that you require \n-  Checking that you are paying the correct amount of tax\n - Protecting yourself from online financial fraud\n - Accessing advice if you need help with my finances\n - Taking out a mortgage\n - Working out how to calculate your monthly mortgage payments in the event of an interest rate rise\n - Working out the total cost of a loan or credit purchase such as Brighthouse  (by \"total cost\" we mean the amount you have to pay in total including interest and charge)\n - Working out which household bills should take priority over others\n[OTHERS]\n1. I  have a clear idea about how to do this\n2. I have some idea about how to do this\n3. My knowledge is limited - I know a little bit about this but no more\n3. I  have no idea about how to do this\nDon’t know\n[Not applicable]","STEM Question B"]
[null,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People are able to answer basic questions around different financial products e.g. bank accounts, loan types and investments.\n\n","See STEM A Which of these statements best describes how knowledgeable you feel about…[LIST OF PRODUCTS]\n\nI have a good knowledge\nI have a reasonable knowledge\nI have a basic knowledge but do not understand the details\nMy knowledge is very limited \nI know nothing about this\n",1]
[null,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People understand basic financial concepts and are able to answer basic questions around interest rates, loan types, investment, inflation etc.\n\n","See STEM B Which of these statements best describes your ability in … [LIST OF FINANCIAL BEHAVIOURS]\n\nI.  have a clear idea about how to do this\n2. I have some idea about how to do this\n3. My knowledge is limited - I know a little bit about this but no more\n3. I  have no idea about how to do this\nDon’t know",2]
[null,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People are able to answer basic questions about interest rates and savings  \n","QUIZ Suppose you put £100 into a savings account with a guaranteed interest rate of 2% per year. You don’t make any further payments into this account and you don’t withdraw any money.\n\nHow much would be in the account at the end of the first year, once the interest payment is made?\n1: A. £120\n2: B. £140\n3: C. £104\n4: D. £102",3]
[null,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People are able to answer basic questions about the interest rates and loans \n\n\n\n","QUIZ You have taken out a loan for £500, and the interest rate you are charged is 10 percent per month. There are no other fees. At this interest rate, how much money would you owe in total after one month?\n\nA £505\nB £550\nC £510\nD £600\n",4]
[null,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People are able to answer basic questions about the interest rates and loans \n\n","See STEM B Which of these statements best describes your ability in … \n\n - Working out how to calculate your monthly mortgage payments in the event of an interest rate rise\n - Working out the total cost of a loan or credit purchase such as Brighthouse  (by \"total cost\" we mean the amount you have to pay in total including interest and charges)\n\nI.  have a clear idea about how to do this\n2. I have some idea about how to do this\n3. My knowledge is limited - I know a little bit about this but no more\n3. I  have no idea about how to do this\nDon’t know",5]
[null,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People understand basic financial concepts and are able to answer basic questions around interest rates and inflation \n","QUIZ If the inflation rate is 5% and the interest rate you get on your savings is 3%, will your savings have more, less or the same amount of buying power in a year’s time?\n1. More\n2. The same\n3. Less\n4. Don’t know",6]
[null,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People understand basic financial concepts and are able to answer basic questions around inflation\n","QUIZI would like to know whether you think the following statements are true or false.....\n\n - An investment with a high return is likely to be low risk*\n - High inflation means that the cost of living is increasing rapidly  \n - It is usually possible to reduce the risk of investing in the stock market by buying a wide range of stocks and shares \n - It will cost you more to borrow on money on a loan with a low APR than a loan with a high APR* \n\nTrue\nFalse\nDon't know",7]
[null,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People understand basic financial concepts and are able to answer basic questions around investment\n\n","QUIZ I would like to know whether you think the following statements are true or false.....\n\n - An investment with a high return is likely to be low risk* \n - High inflation means that the cost of living is increasing rapidly \n - It is usually possible to reduce the risk of investing in the stock market by buying a wide range of stocks and shares. \n - It will cost you more to borrow on money on a loan with a low APR than a loan with a high APR*\n\nTrue\nFalse\nDon't know",8]
[null,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People understand basic financial concepts and are able to answer basic questions around loan types\n","QUIZ I would like to know whether you think the following statements are true or false.....\n\n - An investment with a high return is likely to be low risk *\n - High inflation means that the cost of living is increasing rapidly \n - It is usually possible to reduce the risk of investing in the stock market by buying a wide range of stocks and shares. \n - For a six month loan, it will cost you more to borrow money on a loan with a low APR than a loan with a high APR*\n\nTrue\nFalse\nDon't know",9]
[null,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People understand basic financial concepts and are able to answer basic questions around loan types\n","See STEM A Which of these statements best describes how knowledgeable you feel about…\n\n  - the different types of loans and credit\n\nI have a good knowledge\nI have a reasonable knowledge\nI have a basic knowledge but do not understand the details\nMy knowledge is very limited \nI know nothing about this\n",10]
[null,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People understand basic financial concepts and are able to answer basic questions around loan types\n","See STEM B Which of these statements best describes your ability in … \n - Comparing different loans and credit products to check you are getting the best product for you\n\nI.  have a clear idea about how to do this\n2. I have some idea about how to do this\n3. My knowledge is limited - I know a little bit about this but no more\n3. I  have no idea about how to do this\nDon’t know",11]
[null,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People are able to check their bank balance","See STEM B Which of these statements best describes your ability in … \n  - Checking the balance on your bank account\n\nI.  have a clear idea about how to do this\n2. I have some idea about how to do this\n3. My knowledge is limited - I know a little bit about this but no more\n3. I  have no idea about how to do this\nDon’t know",12]
[null,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People understand different insurance products and can assess which options are right for them\n","See STEM B Which of these statements best describes your ability in … \n -  Comparing different insurance products to check you are getting the one that is best for you\n\n I.  have a clear idea about how to do this\n2. I have some idea about how to do this\n3. My knowledge is limited - I know a little bit about this but no more\n3. I  have no idea about how to do this\nDon’t know",13]
[null,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People understand different types of savings vehicles, and can assess which options are right for them\n","See STEM B Which of these statements best describes your ability in … \n  - Comparing different savings products to check you are getting the account which is best for you\n\n I.  have a clear idea about how to do this\n2. I have some idea about how to do this\n3. My knowledge is limited - I know a little bit about this but no more\n3. I  have no idea about how to do this\nDon’t know",14]
[null,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People understand concepts, products and options relevant to their issue, life stage or event eg, pensions\n\n","See STEM B\n- Checking how much pension income you will get when you retire\n -Making decisions about a pension that will provide you with the income in retirement that you require \n\nI.  have a clear idea about how to do this\n2. I have some idea about how to do this\n3. My knowledge is limited - I know a little bit about this but no more\n3. I  have no idea about how to do this\nDon’t know",15]
[null,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People understand concepts, products and options relevant to their issue, life stage or event eg. Mortgages","See STEM B Which of these statements best describes your ability in … \n - Applying for a mortgage\n  - [IF RELEVANT] Calculating your monthly mortgage payments in the event of an interest rate rise\n\nI.  have a clear idea about how to do this\n2. I have some idea about how to do this\n3. My knowledge is limited - I know a little bit about this but no more\n3. I  have no idea about how to do this\nDon’t know",16]
[null,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People understand concepts, products and options relevant to their issue, life stage or event eg. problem debt","How well do you understand each of the following:\na) the steps you need to take to sort out  debts or arrears?. \nb) the different options available for sorting out debt problems \nc) the fees that are charged for debt solutions such as bankruptcy, Debt Relief Orders, and Debt Management Plans \nd)  the steps I should take if I am not able to pay creditors \ne) my rights if creditors try to recover  money owed to them \nf) the steps that creditors can take to recover money owed to them \n\n1. A great deal\n2. A fair amount\n3. Only a little\n4. Not at all\n5. Don't know\n\n\n",17]
[null,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People know where to go for advice, guidance and tools about their financial situation, in person, by phone and using digital resources","Which, if any, of these providers of advice on your money you have ever heard of, even if you’re not very familiar with them?\n\nSELECT ALL THAT APPLY\n\n1. Money Advice Service\n2.Citizen’s Advice Bureau\n3.Money Sense\n4.Which?\n5.Money Saving Expert (Martin Lewis)\n6.Other price comparison sites (e.g. Moneysupermarket, Comparethemarket)\n7.Directgov (gov.co.uk)\n8.Alvin Hall\n9. Consumer Credit Counselling Service (CCCS)/StepChange\n10. National Debtline\n[ADD OTHER RELEVANT ORGANISATIONS/SITES]\n11. None of these\n",18]
[null,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People know where to go for advice, guidance and tools about their financial situation, in person, by phone and using digital resources","See STEM B Which of these statements best describes your ability in … \n - Accessing advice if you need help with your finances\n\nI.  have a clear idea about how to do this\n2. I have some idea about how to do this\n3. My knowledge is limited - I know a little bit about this but no more\n3. I  have no idea about how to do this\nDon’t know",19]
[null,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People understand the main types of financial fraud and how to protect themselves from it","See STEM A Which of these statements best describes how knowledgeable you feel about...\n - The different types of financial fraud\n\nI have a good knowledge\nI have a reasonable knowledge\nI have a basic knowledge but do not understand the details\nMy knowledge is very limited \nI know nothing about this\n\nSee STEM B Which of these statements best describes your ability in … \n - Protecting yourself from online financial fraud\n\nI.  have a clear idea about how to do this\n2. I have some idea about how to do this\n3. My knowledge is limited - I know a little bit about this but no more\n3. I  have no idea about how to do this\nDon’t know\n\n\n",20]
[null,"Financial knowledge and understanding","Understanding own financial situation","People understand the steps they should take to deal with problem debts and their rights"," How well do you understand each of the following:\na) the steps you need to take to sort out  debts or arrears?. \nb) the different options available for sorting out debt problems \nc) the fees that are charged for debt solutions such as bankruptcy, Debt Relief Orders, and Debt Management Plans \nd)  the steps I should take if I am not able to pay my creditors \ne) my rights when creditors try to recover the money owed to them \nf) the steps that creditors can take to recover money owed to them \n\nA great deal\nA fair amount\nOnly a little\nNot at all",21]
[null,"Financial knowledge and understanding","Understanding money management","People understand the principles of budgeting and can develop a budget suited to their needs","See STEM B Which of these statements best describes your ability in … \n -   creating a weekly or monthly household budget\n\nI.  have a clear idea about how to do this\n2. I have some idea about how to do this\n3. My knowledge is limited - I know a little bit about this but no more\n3. I  have no idea about how to do this\nDon’t know",22]
[null,"Financial knowledge and understanding","Understanding money management","People know how to make their money go further","See STEM B Which of these statements best describes your ability in … \n - using a price comparison website \n -  comparing different insurance products accounts to check you are getting the best deal\n -  comparing different savings products to check you are getting the account which is best for you\n -  checking you are getting all benefits you are entitled to;\n -  checking that you are paying the correct amount of tax\n\nI.  have a clear idea about how to do this\n2. I have some idea about how to do this\n3. My knowledge is limited - I know a little bit about this but no more\n3. I  have no idea about how to do this\nDon’t know\n",23]
[null,"Basic skills","Applied numeracy","People can successfully apply mathematical skills to financial problems","QUIZ The same TV is on sale in both shop A and B. In Shop A it is priced at £400.  In Shop B it is on sale for £500 with 10% discount.  Which one is cheaper? \n\n1:  The one sold in shop A \n2: The one sold in shop B \n3: They are both the same price \n4. Don't know",24]
[null,"Basic skills","Applied numeracy","People can successfully apply mathematical skills to financial problems","And how good are you at each of the following:\n\na) working with numbers when you need to in everyday life? For example working out your wages or benefits, or checking bills and statements?\n b)  writing in English when you need to in daily life? For example: writing letters or notes or filling in official forms?\nc) reading in English when you need to? For example\nreading newspapers and magazines or reading letters, paperwork or forms?\n\n1. Very good \n2. Fairly good \n3. Below average \n4. Poor \n5. No opinion. \n6, Don't Know  ",25]
[null,"Basic skills","Literacy","People have the level of literacy needed to fill in forms and write formal letters in English (or Welsh in Wales)","And how good are you at each of the following:\n\na) working with numbers when you need to in everyday life? For example working out your wages or benefits, or checking bills and statements?\n b)  writing in English when you need to in daily life? For example: writing letters or notes or filling in official forms?\nc) reading in English when you need to? For example\nreading newspapers and magazines or reading letters, paperwork or forms?\n\n1. Very good \n2. Fairly good \n3. Below average \n4. Poor \n5. No opinion. \n6, Don't Know  ",26]
[null,"Basic skills","Literacy","People have the level of literacy needed to read and understand information about financial products and services in English (or Welsh in Wales)","And how good are you at each of the following:\n\na) working with numbers when you need to in everyday life? For example working out your wages or benefits, or checking bills and statements?\n b)  writing in English when you need to in daily life? For example: writing letters or notes or filling in official forms?\nc) reading in English when you need to? For example reading newspapers and magazines or reading letters, paperwork or forms?\n\n1. Very good \n2. Fairly good \n3. Below average \n4. Poor \n5. No opinion. \n6, Don't Know  ",27]
[null,"Basic skills","Digital literacy","People are able to use financial/money-related online services eg. forms, tools, emails, and online banking\n","A) Do you access to the internet at home or elsewhere?\nYes\nNo\nDon't know\n\nIF DO HAVE ACCESS\nB) I’d like you to think about different commercial transactions people do in their everyday lives like banking or shopping. How easy do you find it to use the internet for the following purposes? \na) Buying a product online\nb) Making travel reservations/bookings\nc) Paying bills\nd) Using your bank’s online services\ne) Comparing products and services\nf) Ordering groceries or food online\ng) Selling things online\nh) Finding the location of a house,  office, store or restaurant \n\n1. Several times a day\n2. Daily\n3. Weekly\n4. Monthly\n5. Less than monthly\n6. Never\n7. Don't know\n",28]
[null,"Basic skills","Digital literacy","People are able to navigate online content and locate the information they need\n\n","How would you rate your ability to use the\nInternet?\n1. Excellent\n2. Good\n3. Fair\n4. Poor\n5. Bad\n6. Don’t know",29]
[null,"Basic skills","Digital literacy","People are able to navigate online content and locate the information they need\n\n","To what extent do you agree or disagree with the following statements?\n\n- When I need information the first place I look is the internet\n - I find it easy to find what I am looking for online\n - I would rather look at information in a paper leaflet than on a company’s website\n\nStrongly Agree\nTend to Agree\nTend to disagree\nStrongly  disagree\nDon’t know\nDoes not apply to me\n ",30]
[null,"Basic skills","Communication","People are able to confidently interact with others in English (or Welsh in Wales)\n\n","Can I check, is English your first language?  Yes/No\n\n[IF NO]  So can I check would you have any difficulty speaking in English to a member of staff in a bank about choosing a financial product?\n1. Yes\n2. No\n\n\n",31]
[null,"Basic skills","Communication","People are able to confidently interact with others in English (or Welsh in Wales)\n\n","Can I check, is English or Welsh your first language?  \nYes - English\nYes - Welsh\nNo, neither\n\n[IF NEITHER]  So can I check would you have any difficulty speaking in English or Welsh to a member of staff in a bank about choosing a financial product?\n1. Yes\n2. No\n",32]

{"sheet":"Ability (1)","index":28,"n_rows":12,"n_cols":6,"rows_kept":12,"cut":false,"hidden":false,"merged":[]}
[]
[null,null,"Adult Outcome Frameworks"]
[]
[null,"Ability - to budget, check current balance"]
[null,"Select the questions that are relevant to your intervention -  use the first question for each indicator, "]
[null,"only use additional questions if that indicator is particularly important."]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[]
[null,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People understand basic financial concepts and are able to answer basic questions around inflation\n","QUIZI would like to know whether you think the following statements are true or false.....\n\n - An investment with a high return is likely to be low risk*\n - High inflation means that the cost of living is increasing rapidly  \n - It is usually possible to reduce the risk of investing in the stock market by buying a wide range of stocks and shares \n - It will cost you more to borrow on money on a loan with a low APR than a loan with a high APR* \n\nTrue\nFalse\nDon't know",7]
[null,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People are able to check their bank balance","See STEM B Which of these statements best describes your ability in … \n  - Checking the balance on your bank account\n\nI.  have a clear idea about how to do this\n2. I have some idea about how to do this\n3. My knowledge is limited - I know a little bit about this but no more\n3. I  have no idea about how to do this\nDon’t know",12]
[null,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People understand the main types of financial fraud and how to protect themselves from it","See STEM A Which of these statements best describes how knowledgeable you feel about...\n - The different types of financial fraud\n\nI have a good knowledge\nI have a reasonable knowledge\nI have a basic knowledge but do not understand the details\nMy knowledge is very limited \nI know nothing about this\n\nSee STEM B Which of these statements best describes your ability in … \n - Protecting yourself from online financial fraud\n\nI.  have a clear idea about how to do this\n2. I have some idea about how to do this\n3. My knowledge is limited - I know a little bit about this but no more\n3. I  have no idea about how to do this\nDon’t know\n\n\n",20]
[null,"Financial knowledge and understanding","Understanding money management","People understand the principles of budgeting and can develop a budget suited to their needs","See STEM B Which of these statements best describes your ability in … \n -   creating a weekly or monthly household budget\n\nI.  have a clear idea about how to do this\n2. I have some idea about how to do this\n3. My knowledge is limited - I know a little bit about this but no more\n3. I  have no idea about how to do this\nDon’t know",22]

{"sheet":"Ability (2)","index":29,"n_rows":10,"n_cols":6,"rows_kept":10,"cut":false,"hidden":false,"merged":[]}
[]
[null,null,"Adult Outcome Frameworks"]
[]
[null,"Ability - Able to compare products, benefits entitlement and tax.\n"]
[null,"Select the questions that are relevant to your intervention -  use the first question for each indicator, "]
[null,"only use additional questions if that indicator is particularly important."]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[]
[null,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People are able to answer basic questions around different financial products e.g. bank accounts, loan types and investments.\n\n","[FLEXIBLE QUESTION = CHOOSE/ADD OPTIONS AS APPLICABLE]\nWhich of these statements best describes your ability in ...\n - Using a price comparison website\n - Checking the balance on your bank account\n - Creating a weekly or monthly household budget\n - Comparing different insurance products to check you are getting the best deal\n - Comparing different savings products to check you are getting the account which is best for you\n   - Comparing different loans and credit products to check you are getting the best product for you\n - Checking you are getting all benefits you are entitled to\n - Checking how much pension income you will get when you retire\n - Planning a pension that will provide you with the income in retirement that you require \n-  Checking that you are paying the correct amount of tax\n - Protecting yourself from online financial fraud\n - Accessing advice if you need help with my finances\n - Taking out a mortgage\n - Working out how to calculate your monthly mortgage payments in the event of an interest rate rise\n - Working out the total cost of a loan or credit purchase such as Brighthouse  (by \"total cost\" we mean the amount you have to pay in total including interest and charge)\n - Working out which household bills should take priority over others\n[OTHERS]\n1. I  have a clear idea about how to do this\n2. I have some idea about how to do this\n3. My knowledge is limited - I know a little bit about this but no more\n3. I  have no idea about how to do this\nDon’t know\n[Not applicable]","STEM Question B"]
[null,"Financial knowledge and understanding","Understanding money management","People know how to make their money go further","See STEM B Which of these statements best describes your ability in … \n - using a price comparison website \n -  comparing different insurance products accounts to check you are getting the best deal\n -  comparing different savings products to check you are getting the account which is best for you\n -  checking you are getting all benefits you are entitled to;\n -  checking that you are paying the correct amount of tax\n\nI.  have a clear idea about how to do this\n2. I have some idea about how to do this\n3. My knowledge is limited - I know a little bit about this but no more\n3. I  have no idea about how to do this\nDon’t know\n",23]

{"sheet":"Ability (3)","index":30,"n_rows":19,"n_cols":6,"rows_kept":19,"cut":false,"hidden":false,"merged":[]}
[]
[null,null,"Adult Outcome Frameworks"]
[]
[null,"Ability - Understanding Banking Products, interest rates, fraud and inflation.  Literacy, numeracy, communication and digital skills.\n"]
[null,"Select the questions that are relevant to your intervention -  use the first question for each indicator, "]
[null,"only use additional questions if that indicator is particularly important."]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[]
[null,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People are able to answer basic questions around different financial products e.g. bank accounts, loan types and investments.\n\n","[FLEXIBLE QUESTION = CHOOSE/ADD OPTIONS AS APPLICABLE]\nWhich of these statements best describes how knowledgeable you feel about...\n\n - Bank accounts\n - Credit cards\n - Mortgages\n - Savings accounts \n - Credit Unions\n - Investments\n - Pensions\n - Insurance\n - The different types of financial fraud\n - the different types of loans and credit' \n[OTHERS]\n\nI have a good knowledge\nI have a reasonable knowledge\nI have a basic knowledge but do not understand the details\nMy knowledge is very limited \nI know nothing about this\n","STEM Question A"]
[null,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People are able to answer basic questions around different financial products e.g. bank accounts, loan types and investments.\n\n","See STEM A Which of these statements best describes how knowledgeable you feel about…[LIST OF PRODUCTS]\n\nI have a good knowledge\nI have a reasonable knowledge\nI have a basic knowledge but do not understand the details\nMy knowledge is very limited \nI know nothing about this\n",1]
[null,"Basic skills","Applied numeracy","People can successfully apply mathematical skills to financial problems","QUIZ The same TV is on sale in both shop A and B. In Shop A it is priced at £400.  In Shop B it is on sale for £500 with 10% discount.  Which one is cheaper? \n\n1:  The one sold in shop A \n2: The one sold in shop B \n3: They are both the same price \n4. Don't know",24]
[null,"Basic skills","Applied numeracy","People can successfully apply mathematical skills to financial problems","And how good are you at each of the following:\n\na) working with numbers when you need to in everyday life? For example working out your wages or benefits, or checking bills and statements?\n b)  writing in English when you need to in daily life? For example: writing letters or notes or filling in official forms?\nc) reading in English when you need to? For example\nreading newspapers and magazines or reading letters, paperwork or forms?\n\n1. Very good \n2. Fairly good \n3. Below average \n4. Poor \n5. No opinion. \n6, Don't Know  ",25]
[null,"Basic skills","Literacy","People have the level of literacy needed to fill in forms and write formal letters in English (or Welsh in Wales)","And how good are you at each of the following:\n\na) working with numbers when you need to in everyday life? For example working out your wages or benefits, or checking bills and statements?\n b)  writing in English when you need to in daily life? For example: writing letters or notes or filling in official forms?\nc) reading in English when you need to? For example\nreading newspapers and magazines or reading letters, paperwork or forms?\n\n1. Very good \n2. Fairly good \n3. Below average \n4. Poor \n5. No opinion. \n6, Don't Know  ",26]
[null,"Basic skills","Literacy","People have the level of literacy needed to read and understand information about financial products and services in English (or Welsh in Wales)","And how good are you at each of the following:\n\na) working with numbers when you need to in everyday life? For example working out your wages or benefits, or checking bills and statements?\n b)  writing in English when you need to in daily life? For example: writing letters or notes or filling in official forms?\nc) reading in English when you need to? For example reading newspapers and magazines or reading letters, paperwork or forms?\n\n1. Very good \n2. Fairly good \n3. Below average \n4. Poor \n5. No opinion. \n6, Don't Know  ",27]
[null,"Basic skills","Digital literacy","People are able to use financial/money-related online services eg. forms, tools, emails, and online banking\n","A) Do you access to the internet at home or elsewhere?\nYes\nNo\nDon't know\n\nIF DO HAVE ACCESS\nB) I’d like you to think about different commercial transactions people do in their everyday lives like banking or shopping. How easy do you find it to use the internet for the following purposes? \na) Buying a product online\nb) Making travel reservations/bookings\nc) Paying bills\nd) Using your bank’s online services\ne) Comparing products and services\nf) Ordering groceries or food online\ng) Selling things online\nh) Finding the location of a house,  office, store or restaurant \n\n1. Several times a day\n2. Daily\n3. Weekly\n4. Monthly\n5. Less than monthly\n6. Never\n7. Don't know\n",28]
[null,"Basic skills","Digital literacy","People are able to navigate online content and locate the information they need\n\n","How would you rate your ability to use the\nInternet?\n1. Excellent\n2. Good\n3. Fair\n4. Poor\n5. Bad\n6. Don’t know",29]
[null,"Basic skills","Digital literacy","People are able to navigate online content and locate the information they need\n\n","To what extent do you agree or disagree with the following statements?\n\n- When I need information the first place I look is the internet\n - I find it easy to find what I am looking for online\n - I would rather look at information in a paper leaflet than on a company’s website\n\nStrongly Agree\nTend to Agree\nTend to disagree\nStrongly  disagree\nDon’t know\nDoes not apply to me\n ",30]
[null,"Basic skills","Communication","People are able to confidently interact with others in English (or Welsh in Wales)\n\n","Can I check, is English your first language?  Yes/No\n\n[IF NO]  So can I check would you have any difficulty speaking in English to a member of staff in a bank about choosing a financial product?\n1. Yes\n2. No\n\n\n",31]
[null,"Basic skills","Communication","People are able to confidently interact with others in English (or Welsh in Wales)\n\n","Can I check, is English or Welsh your first language?  \nYes - English\nYes - Welsh\nNo, neither\n\n[IF NEITHER]  So can I check would you have any difficulty speaking in English or Welsh to a member of staff in a bank about choosing a financial product?\n1. Yes\n2. No\n",32]

{"sheet":"Ability (4)","index":31,"n_rows":26,"n_cols":6,"rows_kept":26,"cut":false,"hidden":false,"merged":[[3,1,3,6]]}
[]
[null,null,"Adult Outcome Frameworks"]
[]
[null,"Ability - Understanding savings accounts, investment, pensions, insurance, intrest rates, inflation and financial fraud.  "]
[null,"Select the questions that are relevant to your intervention -  use the first question for each indicator, "]
[null,"only use additional questions if that indicator is particularly important."]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[]
[null,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People are able to answer basic questions around different financial products e.g. bank accounts, loan types and investments.\n\n","[FLEXIBLE QUESTION = CHOOSE/ADD OPTIONS AS APPLICABLE]\nWhich of these statements best describes how knowledgeable you feel about...\n\n - Bank accounts\n - Credit cards\n - Mortgages\n - Savings accounts \n - Credit Unions\n - Investments\n - Pensions\n - Insurance\n - The different types of financial fraud\n - the different types of loans and credit' \n[OTHERS]\n\nI have a good knowledge\nI have a reasonable knowledge\nI have a basic knowledge but do not understand the details\nMy knowledge is very limited \nI know nothing about this\n","STEM Question A"]
[null,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People are able to answer basic questions around different financial products e.g. bank accounts, loan types and investments.\n\n","See STEM A Which of these statements best describes how knowledgeable you feel about…[LIST OF PRODUCTS]\n\nI have a good knowledge\nI have a reasonable knowledge\nI have a basic knowledge but do not understand the details\nMy knowledge is very limited \nI know nothing about this\n",1]
[null,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People are able to answer basic questions about interest rates and savings  \n","QUIZ Suppose you put £100 into a savings account with a guaranteed interest rate of 2% per year. You don’t make any further payments into this account and you don’t withdraw any money.\n\nHow much would be in the account at the end of the first year, once the interest payment is made?\n1: A. £120\n2: B. £140\n3: C. £104\n4: D. £102",3]
[null,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People understand basic financial concepts and are able to answer basic questions around interest rates and inflation \n","QUIZ If the inflation rate is 5% and the interest rate you get on your savings is 3%, will your savings have more, less or the same amount of buying power in a year’s time?\n1. More\n2. The same\n3. Less\n4. Don’t know",6]
[null,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People understand basic financial concepts and are able to answer basic questions around investment\n\n","QUIZ I would like to know whether you think the following statements are true or false.....\n\n - An investment with a high return is likely to be low risk* \n - High inflation means that the cost of living is increasing rapidly \n - It is usually possible to reduce the risk of investing in the stock market by buying a wide range of stocks and shares. \n - It will cost you more to borrow on money on a loan with a low APR than a loan with a high APR*\n\nTrue\nFalse\nDon't know",8]
[null,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People understand different insurance products and can assess which options are right for them\n","See STEM B Which of these statements best describes your ability in … \n -  Comparing different insurance products to check you are getting the one that is best for you\n\n I.  have a clear idea about how to do this\n2. I have some idea about how to do this\n3. My knowledge is limited - I know a little bit about this but no more\n3. I  have no idea about how to do this\nDon’t know",13]
[null,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People understand different types of savings vehicles, and can assess which options are right for them\n","See STEM B Which of these statements best describes your ability in … \n  - Comparing different savings products to check you are getting the account which is best for you\n\n I.  have a clear idea about how to do this\n2. I have some idea about how to do this\n3. My knowledge is limited - I know a little bit about this but no more\n3. I  have no idea about how to do this\nDon’t know",14]
[null,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People understand concepts, products and options relevant to their issue, life stage or event eg, pensions\n\n","See STEM B\n- Checking how much pension income you will get when you retire\n -Making decisions about a pension that will provide you with the income in retirement that you require \n\nI.  have a clear idea about how to do this\n2. I have some idea about how to do this\n3. My knowledge is limited - I know a little bit about this but no more\n3. I  have no idea about how to do this\nDon’t know",15]
[null,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People understand the main types of financial fraud and how to protect themselves from it","See STEM A Which of these statements best describes how knowledgeable you feel about...\n - The different types of financial fraud\n\nI have a good knowledge\nI have a reasonable knowledge\nI have a basic knowledge but do not understand the details\nMy knowledge is very limited \nI know nothing about this\n\nSee STEM B Which of these statements best describes your ability in … \n - Protecting yourself from online financial fraud\n\nI.  have a clear idea about how to do this\n2. I have some idea about how to do this\n3. My knowledge is limited - I know a little bit about this but no more\n3. I  have no idea about how to do this\nDon’t know\n\n\n",20]
[null,"Basic skills","Applied numeracy","People can successfully apply mathematical skills to financial problems","QUIZ The same TV is on sale in both shop A and B. In Shop A it is priced at £400.  In Shop B it is on sale for £500 with 10% discount.  Which one is cheaper? \n\n1:  The one sold in shop A \n2: The one sold in shop B \n3: They are both the same price \n4. Don't know",24]
[null,"Basic skills","Applied numeracy","People can successfully apply mathematical skills to financial problems","And how good are you at each of the following:\n\na) working with numbers when you need to in everyday life? For example working out your wages or benefits, or checking bills and statements?\n b)  writing in English when you need to in daily life? For example: writing letters or notes or filling in official forms?\nc) reading in English when you need to? For example\nreading newspapers and magazines or reading letters, paperwork or forms?\n\n1. Very good \n2. Fairly good \n3. Below average \n4. Poor \n5. No opinion. \n6, Don't Know  ",25]
[null,"Basic skills","Literacy","People have the level of literacy needed to fill in forms and write formal letters in English (or Welsh in Wales)","And how good are you at each of the following:\n\na) working with numbers when you need to in everyday life? For example working out your wages or benefits, or checking bills and statements?\n b)  writing in English when you need to in daily life? For example: writing letters or notes or filling in official forms?\nc) reading in English when you need to? For example\nreading newspapers and magazines or reading letters, paperwork or forms?\n\n1. Very good \n2. Fairly good \n3. Below average \n4. Poor \n5. No opinion. \n6, Don't Know  ",26]
[null,"Basic skills","Literacy","People have the level of literacy needed to read and understand information about financial products and services in English (or Welsh in Wales)","And how good are you at each of the following:\n\na) working with numbers when you need to in everyday life? For example working out your wages or benefits, or checking bills and statements?\n b)  writing in English when you need to in daily life? For example: writing letters or notes or filling in official forms?\nc) reading in English when you need to? For example reading newspapers and magazines or reading letters, paperwork or forms?\n\n1. Very good \n2. Fairly good \n3. Below average \n4. Poor \n5. No opinion. \n6, Don't Know  ",27]
[null,"Basic skills","Digital literacy","People are able to use financial/money-related online services eg. forms, tools, emails, and online banking\n","A) Do you access to the internet at home or elsewhere?\nYes\nNo\nDon't know\n\nIF DO HAVE ACCESS\nB) I’d like you to think about different commercial transactions people do in their everyday lives like banking or shopping. How easy do you find it to use the internet for the following purposes? \na) Buying a product online\nb) Making travel reservations/bookings\nc) Paying bills\nd) Using your bank’s online services\ne) Comparing products and services\nf) Ordering groceries or food online\ng) Selling things online\nh) Finding the location of a house,  office, store or restaurant \n\n1. Several times a day\n2. Daily\n3. Weekly\n4. Monthly\n5. Less than monthly\n6. Never\n7. Don't know\n",28]
[null,"Basic skills","Digital literacy","People are able to navigate online content and locate the information they need\n\n","How would you rate your ability to use the\nInternet?\n1. Excellent\n2. Good\n3. Fair\n4. Poor\n5. Bad\n6. Don’t know",29]
[null,"Basic skills","Digital literacy","People are able to navigate online content and locate the information they need\n\n","To what extent do you agree or disagree with the following statements?\n\n- When I need information the first place I look is the internet\n - I find it easy to find what I am looking for online\n - I would rather look at information in a paper leaflet than on a company’s website\n\nStrongly Agree\nTend to Agree\nTend to disagree\nStrongly  disagree\nDon’t know\nDoes not apply to me\n ",30]
[null,"Basic skills","Communication","People are able to confidently interact with others in English (or Welsh in Wales)\n\n","Can I check, is English your first language?  Yes/No\n\n[IF NO]  So can I check would you have any difficulty speaking in English to a member of staff in a bank about choosing a financial product?\n1. Yes\n2. No\n\n\n",31]
[null,"Basic skills","Communication","People are able to confidently interact with others in English (or Welsh in Wales)\n\n","Can I check, is English or Welsh your first language?  \nYes - English\nYes - Welsh\nNo, neither\n\n[IF NEITHER]  So can I check would you have any difficulty speaking in English or Welsh to a member of staff in a bank about choosing a financial product?\n1. Yes\n2. No\n",32]

{"sheet":"Ability (5)","index":32,"n_rows":27,"n_cols":6,"rows_kept":27,"cut":false,"hidden":false,"merged":[]}
[]
[null,null,"Adult Outcome Frameworks"]
[]
[null,"Ability - Understand APRs, different types of credit, mortgages, loans and how to deal with problem debt\n"]
[null,"Select the questions that are relevant to your intervention -  use the first question for each indicator, "]
[null,"only use additional questions if that indicator is particularly important."]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[]
[null,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People are able to answer basic questions around different financial products e.g. bank accounts, loan types and investments.\n\n","[FLEXIBLE QUESTION = CHOOSE/ADD OPTIONS AS APPLICABLE]\nWhich of these statements best describes how knowledgeable you feel about...\n\n - Bank accounts\n - Credit cards\n - Mortgages\n - Savings accounts \n - Credit Unions\n - Investments\n - Pensions\n - Insurance\n - The different types of financial fraud\n - the different types of loans and credit' \n[OTHERS]\n\nI have a good knowledge\nI have a reasonable knowledge\nI have a basic knowledge but do not understand the details\nMy knowledge is very limited \nI know nothing about this\n","STEM Question A"]
[null,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People are able to answer basic questions around different financial products e.g. bank accounts, loan types and investments.\n\n","See STEM A Which of these statements best describes how knowledgeable you feel about…[LIST OF PRODUCTS]\n\nI have a good knowledge\nI have a reasonable knowledge\nI have a basic knowledge but do not understand the details\nMy knowledge is very limited \nI know nothing about this\n",1]
[null,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People are able to answer basic questions about the interest rates and loans \n\n\n\n","QUIZ You have taken out a loan for £500, and the interest rate you are charged is 10 percent per month. There are no other fees. At this interest rate, how much money would you owe in total after one month?\n\nA £505\nB £550\nC £510\nD £600\n",4]
[null,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People are able to answer basic questions about the interest rates and loans \n\n","See STEM B Which of these statements best describes your ability in … \n\n - Working out how to calculate your monthly mortgage payments in the event of an interest rate rise\n - Working out the total cost of a loan or credit purchase such as Brighthouse  (by \"total cost\" we mean the amount you have to pay in total including interest and charges)\n\nI.  have a clear idea about how to do this\n2. I have some idea about how to do this\n3. My knowledge is limited - I know a little bit about this but no more\n3. I  have no idea about how to do this\nDon’t know",5]
[null,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People understand basic financial concepts and are able to answer basic questions around loan types\n","QUIZ I would like to know whether you think the following statements are true or false.....\n\n - An investment with a high return is likely to be low risk *\n - High inflation means that the cost of living is increasing rapidly \n - It is usually possible to reduce the risk of investing in the stock market by buying a wide range of stocks and shares. \n - For a six month loan, it will cost you more to borrow money on a loan with a low APR than a loan with a high APR*\n\nTrue\nFalse\nDon't know",9]
[null,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People understand basic financial concepts and are able to answer basic questions around loan types\n","See STEM A Which of these statements best describes how knowledgeable you feel about…\n\n  - the different types of loans and credit\n\nI have a good knowledge\nI have a reasonable knowledge\nI have a basic knowledge but do not understand the details\nMy knowledge is very limited \nI know nothing about this\n",10]
[null,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People understand basic financial concepts and are able to answer basic questions around loan types\n","See STEM B Which of these statements best describes your ability in … \n - Comparing different loans and credit products to check you are getting the best product for you\n\nI.  have a clear idea about how to do this\n2. I have some idea about how to do this\n3. My knowledge is limited - I know a little bit about this but no more\n3. I  have no idea about how to do this\nDon’t know",11]
[null,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People understand concepts, products and options relevant to their issue, life stage or event eg. Mortgages","See STEM B Which of these statements best describes your ability in … \n - Applying for a mortgage\n  - [IF RELEVANT] Calculating your monthly mortgage payments in the event of an interest rate rise\n\nI.  have a clear idea about how to do this\n2. I have some idea about how to do this\n3. My knowledge is limited - I know a little bit about this but no more\n3. I  have no idea about how to do this\nDon’t know",16]
[null,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People understand concepts, products and options relevant to their issue, life stage or event eg. problem debt","How well do you understand each of the following:\na) the steps you need to take to sort out  debts or arrears?. \nb) the different options available for sorting out debt problems \nc) the fees that are charged for debt solutions such as bankruptcy, Debt Relief Orders, and Debt Management Plans \nd)  the steps I should take if I am not able to pay creditors \ne) my rights if creditors try to recover  money owed to them \nf) the steps that creditors can take to recover money owed to them \n\n1. A great deal\n2. A fair amount\n3. Only a little\n4. Not at all\n5. Don't know\n\n\n",17]
[null,"Financial knowledge and understanding","Understanding own financial situation","People understand the steps they should take to deal with problem debts and their rights"," How well do you understand each of the following:\na) the steps you need to take to sort out  debts or arrears?. \nb) the different options available for sorting out debt problems \nc) the fees that are charged for debt solutions such as bankruptcy, Debt Relief Orders, and Debt Management Plans \nd)  the steps I should take if I am not able to pay my creditors \ne) my rights when creditors try to recover the money owed to them \nf) the steps that creditors can take to recover money owed to them \n\nA great deal\nA fair amount\nOnly a little\nNot at all",21]
[null,"Basic skills","Applied numeracy","People can successfully apply mathematical skills to financial problems","QUIZ The same TV is on sale in both shop A and B. In Shop A it is priced at £400.  In Shop B it is on sale for £500 with 10% discount.  Which one is cheaper? \n\n1:  The one sold in shop A \n2: The one sold in shop B \n3: They are both the same price \n4. Don't know",24]
[null,"Basic skills","Applied numeracy","People can successfully apply mathematical skills to financial problems","And how good are you at each of the following:\n\na) working with numbers when you need to in everyday life? For example working out your wages or benefits, or checking bills and statements?\n b)  writing in English when you need to in daily life? For example: writing letters or notes or filling in official forms?\nc) reading in English when you need to? For example\nreading newspapers and magazines or reading letters, paperwork or forms?\n\n1. Very good \n2. Fairly good \n3. Below average \n4. Poor \n5. No opinion. \n6, Don't Know  ",25]
[null,"Basic skills","Literacy","People have the level of literacy needed to fill in forms and write formal letters in English (or Welsh in Wales)","And how good are you at each of the following:\n\na) working with numbers when you need to in everyday life? For example working out your wages or benefits, or checking bills and statements?\n b)  writing in English when you need to in daily life? For example: writing letters or notes or filling in official forms?\nc) reading in English when you need to? For example\nreading newspapers and magazines or reading letters, paperwork or forms?\n\n1. Very good \n2. Fairly good \n3. Below average \n4. Poor \n5. No opinion. \n6, Don't Know  ",26]
[null,"Basic skills","Literacy","People have the level of literacy needed to read and understand information about financial products and services in English (or Welsh in Wales)","And how good are you at each of the following:\n\na) working with numbers when you need to in everyday life? For example working out your wages or benefits, or checking bills and statements?\n b)  writing in English when you need to in daily life? For example: writing letters or notes or filling in official forms?\nc) reading in English when you need to? For example reading newspapers and magazines or reading letters, paperwork or forms?\n\n1. Very good \n2. Fairly good \n3. Below average \n4. Poor \n5. No opinion. \n6, Don't Know  ",27]
[null,"Basic skills","Digital literacy","People are able to use financial/money-related online services eg. forms, tools, emails, and online banking\n","A) Do you access to the internet at home or elsewhere?\nYes\nNo\nDon't know\n\nIF DO HAVE ACCESS\nB) I’d like you to think about different commercial transactions people do in their everyday lives like banking or shopping. How easy do you find it to use the internet for the following purposes? \na) Buying a product online\nb) Making travel reservations/bookings\nc) Paying bills\nd) Using your bank’s online services\ne) Comparing products and services\nf) Ordering groceries or food online\ng) Selling things online\nh) Finding the location of a house,  office, store or restaurant \n\n1. Several times a day\n2. Daily\n3. Weekly\n4. Monthly\n5. Less than monthly\n6. Never\n7. Don't know\n",28]
[null,"Basic skills","Digital literacy","People are able to navigate online content and locate the information they need\n\n","How would you rate your ability to use the\nInternet?\n1. Excellent\n2. Good\n3. Fair\n4. Poor\n5. Bad\n6. Don’t know",29]
[null,"Basic skills","Digital literacy","People are able to navigate online content and locate the information they need\n\n","To what extent do you agree or disagree with the following statements?\n\n- When I need information the first place I look is the internet\n - I find it easy to find what I am looking for online\n - I would rather look at information in a paper leaflet than on a company’s website\n\nStrongly Agree\nTend to Agree\nTend to disagree\nStrongly  disagree\nDon’t know\nDoes not apply to me\n ",30]
[null,"Basic skills","Communication","People are able to confidently interact with others in English (or Welsh in Wales)\n\n","Can I check, is English your first language?  Yes/No\n\n[IF NO]  So can I check would you have any difficulty speaking in English to a member of staff in a bank about choosing a financial product?\n1. Yes\n2. No\n\n\n",31]
[null,"Basic skills","Communication","People are able to confidently interact with others in English (or Welsh in Wales)\n\n","Can I check, is English or Welsh your first language?  \nYes - English\nYes - Welsh\nNo, neither\n\n[IF NEITHER]  So can I check would you have any difficulty speaking in English or Welsh to a member of staff in a bank about choosing a financial product?\n1. Yes\n2. No\n",32]

{"sheet":"Ability (6)","index":33,"n_rows":19,"n_cols":6,"rows_kept":19,"cut":false,"hidden":false,"merged":[]}
[]
[null,null,"Adult Outcome Frameworks"]
[]
[null,"Ability - Awareness of advice providers and how to access advice"]
[null,"Select the questions that are relevant to your intervention -  use the first question for each indicator, "]
[null,"only use additional questions if that indicator is particularly important."]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[]
[null,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People know where to go for advice, guidance and tools about their financial situation, in person, by phone and using digital resources","Which, if any, of these providers of advice on your money you have ever heard of, even if you’re not very familiar with them?\n\nSELECT ALL THAT APPLY\n\n1. Money Advice Service\n2.Citizen’s Advice Bureau\n3.Money Sense\n4.Which?\n5.Money Saving Expert (Martin Lewis)\n6.Other price comparison sites (e.g. Moneysupermarket, Comparethemarket)\n7.Directgov (gov.co.uk)\n8.Alvin Hall\n9. Consumer Credit Counselling Service (CCCS)/StepChange\n10. National Debtline\n[ADD OTHER RELEVANT ORGANISATIONS/SITES]\n11. None of these\n",18]
[null,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People know where to go for advice, guidance and tools about their financial situation, in person, by phone and using digital resources","See STEM B Which of these statements best describes your ability in … \n - Accessing advice if you need help with your finances\n\nI.  have a clear idea about how to do this\n2. I have some idea about how to do this\n3. My knowledge is limited - I know a little bit about this but no more\n3. I  have no idea about how to do this\nDon’t know",19]
[null,"Basic skills","Applied numeracy","People can successfully apply mathematical skills to financial problems","QUIZ The same TV is on sale in both shop A and B. In Shop A it is priced at £400.  In Shop B it is on sale for £500 with 10% discount.  Which one is cheaper? \n\n1:  The one sold in shop A \n2: The one sold in shop B \n3: They are both the same price \n4. Don't know",24]
[null,"Basic skills","Applied numeracy","People can successfully apply mathematical skills to financial problems","And how good are you at each of the following:\n\na) working with numbers when you need to in everyday life? For example working out your wages or benefits, or checking bills and statements?\n b)  writing in English when you need to in daily life? For example: writing letters or notes or filling in official forms?\nc) reading in English when you need to? For example\nreading newspapers and magazines or reading letters, paperwork or forms?\n\n1. Very good \n2. Fairly good \n3. Below average \n4. Poor \n5. No opinion. \n6, Don't Know  ",25]
[null,"Basic skills","Literacy","People have the level of literacy needed to fill in forms and write formal letters in English (or Welsh in Wales)","And how good are you at each of the following:\n\na) working with numbers when you need to in everyday life? For example working out your wages or benefits, or checking bills and statements?\n b)  writing in English when you need to in daily life? For example: writing letters or notes or filling in official forms?\nc) reading in English when you need to? For example\nreading newspapers and magazines or reading letters, paperwork or forms?\n\n1. Very good \n2. Fairly good \n3. Below average \n4. Poor \n5. No opinion. \n6, Don't Know  ",26]
[null,"Basic skills","Literacy","People have the level of literacy needed to read and understand information about financial products and services in English (or Welsh in Wales)","And how good are you at each of the following:\n\na) working with numbers when you need to in everyday life? For example working out your wages or benefits, or checking bills and statements?\n b)  writing in English when you need to in daily life? For example: writing letters or notes or filling in official forms?\nc) reading in English when you need to? For example reading newspapers and magazines or reading letters, paperwork or forms?\n\n1. Very good \n2. Fairly good \n3. Below average \n4. Poor \n5. No opinion. \n6, Don't Know  ",27]
[null,"Basic skills","Digital literacy","People are able to use financial/money-related online services eg. forms, tools, emails, and online banking\n","A) Do you access to the internet at home or elsewhere?\nYes\nNo\nDon't know\n\nIF DO HAVE ACCESS\nB) I’d like you to think about different commercial transactions people do in their everyday lives like banking or shopping. How easy do you find it to use the internet for the following purposes? \na) Buying a product online\nb) Making travel reservations/bookings\nc) Paying bills\nd) Using your bank’s online services\ne) Comparing products and services\nf) Ordering groceries or food online\ng) Selling things online\nh) Finding the location of a house,  office, store or restaurant \n\n1. Several times a day\n2. Daily\n3. Weekly\n4. Monthly\n5. Less than monthly\n6. Never\n7. Don't know\n",28]
[null,"Basic skills","Digital literacy","People are able to navigate online content and locate the information they need\n\n","How would you rate your ability to use the\nInternet?\n1. Excellent\n2. Good\n3. Fair\n4. Poor\n5. Bad\n6. Don’t know",29]
[null,"Basic skills","Digital literacy","People are able to navigate online content and locate the information they need\n\n","To what extent do you agree or disagree with the following statements?\n\n- When I need information the first place I look is the internet\n - I find it easy to find what I am looking for online\n - I would rather look at information in a paper leaflet than on a company’s website\n\nStrongly Agree\nTend to Agree\nTend to disagree\nStrongly  disagree\nDon’t know\nDoes not apply to me\n ",30]
[null,"Basic skills","Communication","People are able to confidently interact with others in English (or Welsh in Wales)\n\n","Can I check, is English your first language?  Yes/No\n\n[IF NO]  So can I check would you have any difficulty speaking in English to a member of staff in a bank about choosing a financial product?\n1. Yes\n2. No\n\n\n",31]
[null,"Basic skills","Communication","People are able to confidently interact with others in English (or Welsh in Wales)\n\n","Can I check, is English or Welsh your first language?  \nYes - English\nYes - Welsh\nNo, neither\n\n[IF NEITHER]  So can I check would you have any difficulty speaking in English or Welsh to a member of staff in a bank about choosing a financial product?\n1. Yes\n2. No\n",32]

{"sheet":"Means","index":34,"n_rows":17,"n_cols":6,"rows_kept":17,"cut":false,"hidden":false,"merged":[]}
[]
[null,null,"Adult Outcome Frameworks"]
[]
[null,"Means - "]
[null,"Please select the first question for each indicator"]
[]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[null,"Income","Employment status",null,"Thinking about your employment, what is your current status?\n\nSELECT ONE ONLY\nIF MORE THAN ONE APPLIES, SELECT MAIN STATUS\nIF ON MATERNITY LEAVE FROM EMPLOYER AND PLANNING ON RETURNING COUNT THIS AS WORKING\n1. Working for an employer full-time (that is for 30 or more hours per week)\n2. Working for an employer part-time (that is for less than 30 hours per week)\n3. Self-employed (with or without workers)\n4. Unemployed and looking for work\n5. Unemployed and not looking for work\n6. Retired\n7. Student\n8. Permanently sick / disabled\n9. Temporarily sick \n10. Looking after home\n11. Other \n",1]
[null,"Income",0,null,"A) Which of the following sources of income, if any, do you currently have? Please include any income you receive personally or jointly with your partner or spouse. \nCHOOSE ALL THAT APPLY  \n1. Income from employment/self-employment (including sick pay)\n2. Income from personal or occupational pensions\n3. Income from savings/investments\n4. Rent you receive from boarders or lodgers (not family members) or other property you rent out or sublet\n5. Child maintenance payments\n6. Other types of payments or maintenance from parents or other family members who you do not live with, including as regular gifts\n7. None of these (SINGLE CODE ONLY)\n8. Don’t know  (SINGLE CODE ONLY)\n9. Prefer not to say  (SINGLE CODE ONLY)\n\nB) And which of the following sources of income do you currently have, if any?\nCHOOSE ALL THAT APPLY  \n1. State Pension\n2. Pension Credit\n3. Child benefit\n4. Universal Credit\n5. Working Tax Credits\n6. Job Seekers Allowance (JSA) \n7. Employment and Support Allowance (ESA)\n8. Income Support \n9. Housing benefit\n10. Council Tax Reduction\n11. Disability Living Allowance (DLA), Personal Independence Payment (PIP) or Attendance Allowance (AA)\n12. Carers Allowance\n13. Something else \n14. None of these (SINGLE CODE ONLY)\n15. Don't know (SINGLE CODE ONLY)\n16. Prefer not to say (SINGLE CODE ONLY)",2]
[null,"Income",0,null,"Which band from the grid below does your household’s total gross income from all sources fall into?\n[INCOME is any money from work, including a second job or occasional work, and any other sources, such as benefits, pensions, savings and investments, maintenance payments and rent from property or subletting.]\nGROSS means the amount you receive before any deductions, income tax, National Insurance etc. \nCHOOSE ONE ONLY\n Per Week Per Month Per Year\n1. Up to £86 Up to £374 Under £4,500\n2. £87 - £124 £375 - £541 £4,500 - £6,499\n3.  £125 - £143 £542 - £624 £6,500 - £7,499\n4.  £144 - £182 £625 - £791 £7,500 - £9,499\n5. £183 - £220 £792 - £957 £9,500 - £11,499\n6. £221 - £259 £958 - £1,124 £11,500 - £13,499\n7.  £260 - £297 £1,125 - £1,291 £13,500 - £15,499\n8.  £298 - £336 £1,292 - £1,457 £15,500 - £17,499\n9.  £337 - £384 £1,458 - £1,666 £17,500 - £19,999\n10.  £385 - £480 £1,667 - £2,082 £20,000 - £24,999\n11. £481 - £576 £2,083 - £2,499 £25,000 - £29,999\n12. £577 - £672 £2,500 - £2,916 £30,000 - £34,999\n13. £673 - £768 £2,917 - £3,332 £35,000 - £39,999\n14. £769 - £961 £3,333 - £4,166 £40,000 - £49,999\n15 £962 - £1,441 £4,167 - £6,249 £50,000 - £74,999\n16.  £1,442 - £1,922 £6,250 - £8,332 £75,000 - £99,999\n17. £1,923+ £8,333+ £100,000+\n18. Don’t know\n19. Prefer not to say ",3]
[null,"Income",0,null,"POST\nBy how much has your income increased since [REFERENCE POINT]?\n1. ENTER AMOUNT IN £\n2. Stayed the same\n3. Has fallen\n4. Don't know\n5. Prefer not to say",4]
[null,"Income",0,null,"Which one of these best applies to you personally?\n1. Pay income tax at a basic rate\n2. Pay income tax at a higher rate\n3. Do not pay income tax\n4. Don’t know\n5. Prefer not to say",5]
[null,"Savings",0,null,"A) Approximately how much, if anything, do you personally have in savings and investments? Please do not include any money that you have saved in a pension. \n1. ENTER EXACT AMOUNT\n2. I do not have any savings and investments\n3. Don’t know \n4. Prefer not to say \n\nB) Could you estimate the total within the following bands?\nCHOOSE ONE ONLY\n1. £100 or less\n2. £101 - £500\n3. £501 - £1,000\n4. £1,001 - £9,999\n5. £10,000 - £19,999\n6. £20,000 or more\n7. Don’t know\n8. Prefer not to say ",6]
[null,"Savings",0,null,"Please can you tell me whether you currently have money saved in any of the following types of savings accounts and investments, including any joint accounts? CHOOSE ALL THAT APPLY\n1. A savings or deposit account with a bank or building society\n2. An account with a Credit Union\n3. Cash ISA\n4. Premium bonds\n5. Stocks and shares\n6. Other savings products\n7. Other investment product (not including pension)\n8. None of these (SINGLE CODE ONLY)\n9. Don't know (SINGLE CODE ONLY)\n10. Prefer not to say (SINGLE CODE ONLY)",7]
[null,"Other assets",0,null,"A) Which, if any, of these assets do you have, not including your own home? Please include any in your sole name or jointly owned with someone else\nCHOOSE ALL THAT APPLY. \n1. Houses, flats or holiday homes, including timeshares (not including this home) \n2. Farm or Business Property (such as a shop, warehouse or garage) \n3. Other land \n4. Cars, motorbikes, boats and other motor vehicles\n5. Money owed to you by others \n6. Money held in a trust \n7. Art, antiques, collectables, jewellery, and other valuables\n8. Other assets\n9. None of these (SINGLE CODE ONLY)\n10. Don't know (SINGLE CODE ONLY)\n11. Prefer not to say (SINGLE CODE ONLY)\n\nB) How much, in total, do you think they are currently worth? We only need your best estimate if you are unsure. \nCHOOSE ONE ONLY\n1. Less than £30,000 \n2. £30,000 to £39,999\n3. £40,000 to £49,999\n4. £50,000 to £74,999\n5. £75,000 to £99,999\n6. £100,000 to £149,999\n7. £150,000 to £199,999\n8. £200,000 to £249,999\n9. £250,000 to £500,000\n10. £500,000+\n11. Don't know (SINGLE CODE ONLY)\n12. Prefer not to say (SINGLE CODE ONLY)",8]
[null,"Other assets",0,null,"A) In which of these ways do you (and your household) occupy your home?\n1. Own it outright\n2. Buying it with the help of a mortgage or loan\n3. Pay part rent and part mortgage (shared ownership)\n4. Rent it\n5. Live here rent-free (including rent-free in relative's/friend's property; excluding\nsquatting)\n6. Squatting\n\nB) And how much in total is left to pay on your mortgage (or mortgages, if you have more than one). If you are unsure, please give your best estimate.\nCHOOSE ONE ONLY\n1. Less than £10,000\n2. £10,000 to £19,999\n3. £20,000 to £29,999\n4. £30,000 to £39,999\n5. £40,000 to £49,999\n6. £50,000 to £74,999\n7. £75,000 to £99,999\n8. £100,000\n9. to £149,999\n10. £150,000 to £199,999\n11. £200,000 to £249,999\n12. £250,000 to £299,999\n13. £300,000 to £399,999\n14. £400,000 to £499,999\n15. £500,000 or more\n16. Don't know\n17. Prefer not to say\n\nC) About how much would you expect to get (in total and not just your share) for your current home if you sold it today (before paying off any outstanding mortgage or loan on the property)?\nCHOOSE ONE ONLY\nENTER AMOUNT IN £s  If DK, then asked banded question: \n1. Less than £60,000\n2. £60,000 to £99,999\n3. £100,000 to £149.999\n4. £150,000 to £199,999\n5. £200,000 to £249,999\n6. £250,000 to £299,999\n7. £300,000 to £349,999\n8. £350,000 to £399,999\n9. £400,000 to £499,999\n10. £500,000 to £749,999\n11. £750,000 to £999,999\n12. £1 million or more ",9]
[null,"Access to affordable credit (??)",0,null,"Please can you tell me which of the following you have had in the last [3 months], whether in your own name or jointly with someone else? Please include any that you are in arrears with.\n1. Credit or store card\n2. Overdraft \n3. Payday loan\n3. Loan from company that collects payments from your home (e.g. Provident, Greenwoods)\n5. Loan from a pawnbroker\n7. Loan from a Credit Union or other community finance organisation\n8. A loan from a friend or relative.\n9. Loan from the Social Fund\n10. Loan from an unlicensed lender who charges interest, sometimes called a loan shark\n11. Any other type of loan from a bank, building society or finance company e.g. Norton Finance, Blackhorse car finance\n11) Something else\n12) Don't know\n13) Prefer not to say",10]

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[]
[null,null,"Adult Outcome Frameworks"]
[]
[null,"Means - Income"]
[null,"Select the questions that are relevant to your intervention -  use the first question for each indicator, "]
[null,"only use additional questions if that indicator is particularly important."]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[null,"Income","Employment status",null,"Thinking about your employment, what is your current status?\n\nSELECT ONE ONLY\nIF MORE THAN ONE APPLIES, SELECT MAIN STATUS\nIF ON MATERNITY LEAVE FROM EMPLOYER AND PLANNING ON RETURNING COUNT THIS AS WORKING\n1. Working for an employer full-time (that is for 30 or more hours per week)\n2. Working for an employer part-time (that is for less than 30 hours per week)\n3. Self-employed (with or without workers)\n4. Unemployed and looking for work\n5. Unemployed and not looking for work\n6. Retired\n7. Student\n8. Permanently sick / disabled\n9. Temporarily sick \n10. Looking after home\n11. Other \n",1]
[null,"Income",0,null,"A) Which of the following sources of income, if any, do you currently have? Please include any income you receive personally or jointly with your partner or spouse. \nCHOOSE ALL THAT APPLY  \n1. Income from employment/self-employment (including sick pay)\n2. Income from personal or occupational pensions\n3. Income from savings/investments\n4. Rent you receive from boarders or lodgers (not family members) or other property you rent out or sublet\n5. Child maintenance payments\n6. Other types of payments or maintenance from parents or other family members who you do not live with, including as regular gifts\n7. None of these (SINGLE CODE ONLY)\n8. Don’t know  (SINGLE CODE ONLY)\n9. Prefer not to say  (SINGLE CODE ONLY)\n\nB) And which of the following sources of income do you currently have, if any?\nCHOOSE ALL THAT APPLY  \n1. State Pension\n2. Pension Credit\n3. Child benefit\n4. Universal Credit\n5. Working Tax Credits\n6. Job Seekers Allowance (JSA) \n7. Employment and Support Allowance (ESA)\n8. Income Support \n9. Housing benefit\n10. Council Tax Reduction\n11. Disability Living Allowance (DLA), Personal Independence Payment (PIP) or Attendance Allowance (AA)\n12. Carers Allowance\n13. Something else \n14. None of these (SINGLE CODE ONLY)\n15. Don't know (SINGLE CODE ONLY)\n16. Prefer not to say (SINGLE CODE ONLY)",2]
[null,"Income",0,null,"Which band from the grid below does your household’s total gross income from all sources fall into?\n[INCOME is any money from work, including a second job or occasional work, and any other sources, such as benefits, pensions, savings and investments, maintenance payments and rent from property or subletting.]\nGROSS means the amount you receive before any deductions, income tax, National Insurance etc. \nCHOOSE ONE ONLY\n Per Week Per Month Per Year\n1. Up to £86 Up to £374 Under £4,500\n2. £87 - £124 £375 - £541 £4,500 - £6,499\n3.  £125 - £143 £542 - £624 £6,500 - £7,499\n4.  £144 - £182 £625 - £791 £7,500 - £9,499\n5. £183 - £220 £792 - £957 £9,500 - £11,499\n6. £221 - £259 £958 - £1,124 £11,500 - £13,499\n7.  £260 - £297 £1,125 - £1,291 £13,500 - £15,499\n8.  £298 - £336 £1,292 - £1,457 £15,500 - £17,499\n9.  £337 - £384 £1,458 - £1,666 £17,500 - £19,999\n10.  £385 - £480 £1,667 - £2,082 £20,000 - £24,999\n11. £481 - £576 £2,083 - £2,499 £25,000 - £29,999\n12. £577 - £672 £2,500 - £2,916 £30,000 - £34,999\n13. £673 - £768 £2,917 - £3,332 £35,000 - £39,999\n14. £769 - £961 £3,333 - £4,166 £40,000 - £49,999\n15 £962 - £1,441 £4,167 - £6,249 £50,000 - £74,999\n16.  £1,442 - £1,922 £6,250 - £8,332 £75,000 - £99,999\n17. £1,923+ £8,333+ £100,000+\n18. Don’t know\n19. Prefer not to say ",3]
[null,"Income",0,null,"POST\nBy how much has your income increased since [REFERENCE POINT]?\n1. ENTER AMOUNT IN £\n2. Stayed the same\n3. Has fallen\n4. Don't know\n5. Prefer not to say",4]
[null,"Income",0,null,"Which one of these best applies to you personally?\n1. Pay income tax at a basic rate\n2. Pay income tax at a higher rate\n3. Do not pay income tax\n4. Don’t know\n5. Prefer not to say",5]

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[]
[null,null,"Adult Outcome Frameworks"]
[]
[null,"Means - Savings and assets"]
[null,"Select the questions that are relevant to your intervention -  use the first question for each indicator, "]
[null,"only use additional questions if that indicator is particularly important."]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[null,"Savings",0,null,"A) Approximately how much, if anything, do you personally have in savings and investments? Please do not include any money that you have saved in a pension. \n1. ENTER EXACT AMOUNT\n2. I do not have any savings and investments\n3. Don’t know \n4. Prefer not to say \n\nB) Could you estimate the total within the following bands?\nCHOOSE ONE ONLY\n1. £100 or less\n2. £101 - £500\n3. £501 - £1,000\n4. £1,001 - £9,999\n5. £10,000 - £19,999\n6. £20,000 or more\n7. Don’t know\n8. Prefer not to say ",6]
[null,"Savings",0,null,"Please can you tell me whether you currently have money saved in any of the following types of savings accounts and investments, including any joint accounts? CHOOSE ALL THAT APPLY\n1. A savings or deposit account with a bank or building society\n2. An account with a Credit Union\n3. Cash ISA\n4. Premium bonds\n5. Stocks and shares\n6. Other savings products\n7. Other investment product (not including pension)\n8. None of these (SINGLE CODE ONLY)\n9. Don't know (SINGLE CODE ONLY)\n10. Prefer not to say (SINGLE CODE ONLY)",7]
[null,"Other assets",0,null,"A) Which, if any, of these assets do you have, not including your own home? Please include any in your sole name or jointly owned with someone else\nCHOOSE ALL THAT APPLY. \n1. Houses, flats or holiday homes, including timeshares (not including this home) \n2. Farm or Business Property (such as a shop, warehouse or garage) \n3. Other land \n4. Cars, motorbikes, boats and other motor vehicles\n5. Money owed to you by others \n6. Money held in a trust \n7. Art, antiques, collectables, jewellery, and other valuables\n8. Other assets\n9. None of these (SINGLE CODE ONLY)\n10. Don't know (SINGLE CODE ONLY)\n11. Prefer not to say (SINGLE CODE ONLY)\n\nB) How much, in total, do you think they are currently worth? We only need your best estimate if you are unsure. \nCHOOSE ONE ONLY\n1. Less than £30,000 \n2. £30,000 to £39,999\n3. £40,000 to £49,999\n4. £50,000 to £74,999\n5. £75,000 to £99,999\n6. £100,000 to £149,999\n7. £150,000 to £199,999\n8. £200,000 to £249,999\n9. £250,000 to £500,000\n10. £500,000+\n11. Don't know (SINGLE CODE ONLY)\n12. Prefer not to say (SINGLE CODE ONLY)",8]
[null,"Other assets",0,null,"A) In which of these ways do you (and your household) occupy your home?\n1. Own it outright\n2. Buying it with the help of a mortgage or loan\n3. Pay part rent and part mortgage (shared ownership)\n4. Rent it\n5. Live here rent-free (including rent-free in relative's/friend's property; excluding\nsquatting)\n6. Squatting\n\nB) And how much in total is left to pay on your mortgage (or mortgages, if you have more than one). If you are unsure, please give your best estimate.\nCHOOSE ONE ONLY\n1. Less than £10,000\n2. £10,000 to £19,999\n3. £20,000 to £29,999\n4. £30,000 to £39,999\n5. £40,000 to £49,999\n6. £50,000 to £74,999\n7. £75,000 to £99,999\n8. £100,000\n9. to £149,999\n10. £150,000 to £199,999\n11. £200,000 to £249,999\n12. £250,000 to £299,999\n13. £300,000 to £399,999\n14. £400,000 to £499,999\n15. £500,000 or more\n16. Don't know\n17. Prefer not to say\n\nC) About how much would you expect to get (in total and not just your share) for your current home if you sold it today (before paying off any outstanding mortgage or loan on the property)?\nCHOOSE ONE ONLY\nENTER AMOUNT IN £s  If DK, then asked banded question: \n1. Less than £60,000\n2. £60,000 to £99,999\n3. £100,000 to £149.999\n4. £150,000 to £199,999\n5. £200,000 to £249,999\n6. £250,000 to £299,999\n7. £300,000 to £349,999\n8. £350,000 to £399,999\n9. £400,000 to £499,999\n10. £500,000 to £749,999\n11. £750,000 to £999,999\n12. £1 million or more ",9]

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[]
[null,null,"Adult Outcome Frameworks"]
[]
[null,"Means - Access to credit"]
[null,"Select the questions that are relevant to your intervention -  use the first question for each indicator, "]
[null,"only use additional questions if that indicator is particularly important."]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[null,"Access to affordable credit (??)",0,null,"Please can you tell me which of the following you have had in the last [3 months], whether in your own name or jointly with someone else? Please include any that you are in arrears with.\n1. Credit or store card\n2. Overdraft \n3. Payday loan\n3. Loan from company that collects payments from your home (e.g. Provident, Greenwoods)\n5. Loan from a pawnbroker\n7. Loan from a Credit Union or other community finance organisation\n8. A loan from a friend or relative.\n9. Loan from the Social Fund\n10. Loan from an unlicensed lender who charges interest, sometimes called a loan shark\n11. Any other type of loan from a bank, building society or finance company e.g. Norton Finance, Blackhorse car finance\n11) Something else\n12) Don't know\n13) Prefer not to say",10]

{"sheet":"Pressures","index":38,"n_rows":11,"n_cols":6,"rows_kept":11,"cut":false,"hidden":false,"merged":[]}
[]
[null,null,"Adult Outcome Frameworks"]
[]
[null,"Pressure - "]
[null,"Please select the first question for each indicator"]
[]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[null,"Committed expenditure","Debt/credit repayments",0,"A) Apart from any mortgages, do you currently have to repay any credit card, overdraft, hire purchase or other loans or advances? Please include any held in your own name or jointly with someone else.\n1. Yes \n2. No \n3. Don’t know\n\nB) Thinking about the loans and credit commitments held in your own name or jointly with someone else, how much in total do you currently owe on these? We only need your best estimate if you are unsure\nCHOOSE ONE ONLY\n1. Less than £500 \n2. £500 to £999 \n3. £1,000 to £2,499 \n4. £2,500 to £4,999 \n5. £5,000 to £9,999 \n6. £10,000 to £24,999 \n7. £25,000 to £49,999 \n8. £50,000 to £99,999 \n9. £100,000 to £249,999 \n10. £250,000 or more\n11. Don’t know\n12. Prefer not to say",1]
[null,"Committed expenditure","Additional outgoings",0,"Do you (and your partner if you have one) regularly spend more than £200 a month on any of the following items? \nCHOOSE ALL THAT APPLY \n1. Travel to work\n2. Rent paid because you work away from home and cannot claim it back\n3. Child care\n4. School fees\n5. Care for someone else (including nursing home)\n6. Financial support to a partner, child or other family member who does not live with you\n7. None of these (SINGLE CODE ONLY)\n8. Don’t know (SINGLE CODE ONLY)\n9. Prefer not to say (SINGLE CODE ONLY)",2]
[null,"Committed expenditure","Additional outgoings",0,"Do you (and your partner if you have one) regularly spend more than you can afford on any of the following items? \nPLEASE SELECT ALL THAT APPLY \n1. Travel to work\n2. Rent paid because you work away from home and cannot claim it back\n3. Child care\n4. School fees\n5. Care for someone else (including nursing home)\n6. Financial support to a partner, child or other family member who does not live with you\n7. Paying off credit or store cards \n8. Paying for goods bought on hire purchase or mail order\n8. None of these (SINGLE CODE ONLY)",3]
[null,"Committed expenditure","Dependent children",0,"How many children depend on you financially?",4]

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[]
[null,null,"Adult Outcome Frameworks"]
[]
[null,"Pressure - Children and living costs"]
[null,"Select the questions that are relevant to your intervention -  use the first question for each indicator, "]
[null,"only use additional questions if that indicator is particularly important."]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[null,"Committed expenditure","Additional outgoings",0,"Do you (and your partner if you have one) regularly spend more than £200 a month on any of the following items? \nCHOOSE ALL THAT APPLY \n1. Travel to work\n2. Rent paid because you work away from home and cannot claim it back\n3. Child care\n4. School fees\n5. Care for someone else (including nursing home)\n6. Financial support to a partner, child or other family member who does not live with you\n7. None of these (SINGLE CODE ONLY)\n8. Don’t know (SINGLE CODE ONLY)\n9. Prefer not to say (SINGLE CODE ONLY)",2]
[null,"Committed expenditure","Additional outgoings",0,"Do you (and your partner if you have one) regularly spend more than you can afford on any of the following items? \nPLEASE SELECT ALL THAT APPLY \n1. Travel to work\n2. Rent paid because you work away from home and cannot claim it back\n3. Child care\n4. School fees\n5. Care for someone else (including nursing home)\n6. Financial support to a partner, child or other family member who does not live with you\n7. Paying off credit or store cards \n8. Paying for goods bought on hire purchase or mail order\n8. None of these (SINGLE CODE ONLY)",3]
[null,"Committed expenditure","Dependent children",0,"How many children depend on you financially?",4]

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[]
[null,null,"Adult Outcome Frameworks"]
[]
[null,"Pressure - Total cost of unsecured debt"]
[null,"Select the questions that are relevant to your intervention -  use the first question for each indicator, "]
[null,"only use additional questions if that indicator is particularly important."]
[null,{"$f":"'1. Financial wellbeing'!C2","v":"Higher level outcome"},{"$f":"'1. Financial wellbeing'!D2","v":"Lower level outcome"},"Indicator","Question","Question"]
[null,"Committed expenditure","Debt/credit repayments",0,"A) Apart from any mortgages, do you currently have to repay any credit card, overdraft, hire purchase or other loans or advances? Please include any held in your own name or jointly with someone else.\n1. Yes \n2. No \n3. Don’t know\n\nB) Thinking about the loans and credit commitments held in your own name or jointly with someone else, how much in total do you currently owe on these? We only need your best estimate if you are unsure\nCHOOSE ONE ONLY\n1. Less than £500 \n2. £500 to £999 \n3. £1,000 to £2,499 \n4. £2,500 to £4,999 \n5. £5,000 to £9,999 \n6. £10,000 to £24,999 \n7. £25,000 to £49,999 \n8. £50,000 to £99,999 \n9. £100,000 to £249,999 \n10. £250,000 or more\n11. Don’t know\n12. Prefer not to say",1]

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["In",null,"Sheet",null,"Higher level outcome","Lower level outcome","Indicator","Original source","Final framework question","Notes for users",null,null,null,"Question","Section","Higher level outcome","Lower level outcome","Indicator","Original source","Final framework question","Notes for users"]
[false,{"$f":"IF(A3=TRUE,\"In\",\"Out\")","v":"Out"},"Financial Wellbeing",{"$f":"'1. Financial wellbeing'!B3","v":1},{"$f":"'1. Financial wellbeing'!C3","v":"Ability to live (adequately) within means"},{"$f":"'1. Financial wellbeing'!D3","v":"Managing well day-to-day"},{"$f":"'1. Financial wellbeing'!E3","v":"Satisfaction with standard of living \n"},{"$f":"'1. Financial wellbeing'!F3","v":"USOC Finnow"},{"$f":"'1. Financial wellbeing'!H3","v":"How well would you say you yourself are managing financially these days? Would you say you are...\nCHOOSE ONE ONLY\n1. Living comfortably\n2. Getting by alright\n3. Just about getting by\n4. Finding it quite difficult\n5. or finding it very difficult?"},{"$f":"'1. Financial wellbeing'!L3","v":0},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D1))),\"\")","v":1},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D1))),\"\")","v":"Financial Wellbeing"},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D1))),\"\")","v":"Ability to live (adequately) within means"},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E1))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F1))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G1))),\"\")","v":"USOC Finnow"},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H1))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I1))),\"\")","v":""}]
[false,{"$f":"IF(A4=TRUE,\"In\",\"Out\")","v":"Out"},"Financial Wellbeing",{"$f":"'1. Financial wellbeing'!B4","v":2},{"$f":"'1. Financial wellbeing'!C4","v":"Ability to live (adequately) within means"},{"$f":"'1. Financial wellbeing'!D4","v":"Managing well day-to-day"},{"$f":"'1. Financial wellbeing'!E4","v":"Satisfaction with standard of living \n"},{"$f":"'1. Financial wellbeing'!F4","v":"Fincap (B2) - originally ONS"},{"$f":"'1. Financial wellbeing'!H4","v":"Overall, how satisfied are you with your life nowadays?\n\nPlease answer on a scale of 0 to 10, where 0 is ‘not at all satisfied’ and 10 is ‘completely satisfied’ \n\n0 Not at all satisfied\n...\n10 Completely satisfied\nDon’t know"},{"$f":"'1. Financial wellbeing'!L4","v":"Use a visual 0 to 10 scale with the statements indicated attached the extremes.\n\nUse in conjuction with question 1, to demonstrate impact of improved financial capability on wider wellbeing"},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D2))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D2))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D2))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E2))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F2))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G2))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H2))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I2))),\"\")","v":""}]
[false,"Out","Financial Wellbeing",{"$f":"'1. Financial wellbeing'!B5","v":3},{"$f":"'1. Financial wellbeing'!C5","v":"Ability to live (adequately) within means"},{"$f":"'1. Financial wellbeing'!D5","v":"Managing well day-to-day"},{"$f":"'1. Financial wellbeing'!E5","v":"Satisfaction with standard of living"},{"$f":"'1. Financial wellbeing'!F5","v":"OECD QF10"},{"$f":"'1. Financial wellbeing'!H5","v":"I am now going to read out some statements. I would like to know how much you agree or disagree with each of the following statements. \n- My financial situation limits my ability to do the things that are important to me \n- I am satisfied with my present financial situation\nCHOOSE ONE FOR EACH\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know"},{"$f":"'1. Financial wellbeing'!L5","v":" "},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D3))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D3))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D3))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E3))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F3))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G3))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H3))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I3))),\"\")","v":""}]
[false,"Out","Financial Wellbeing",{"$f":"'1. Financial wellbeing'!B6","v":4},{"$f":"'1. Financial wellbeing'!C6","v":"Ability to live (adequately) within means"},{"$f":"'1. Financial wellbeing'!D6","v":"Managing well day-to-day"},{"$f":"'1. Financial wellbeing'!E6","v":"Living within means\n"},{"$f":"'1. Financial wellbeing'!F6","v":"WAS ORunout"},{"$f":"'1. Financial wellbeing'!H6","v":"How often these days do you run out of money before the end of the week or month or need to use a loan, credit card or overdraft to get by?\nCHOOSE ONE ONLY\n1. Always,\n2. Most of the time,\n3. Sometimes,\n4. Hardly ever,\n5. Never"},{"$f":"'1. Financial wellbeing'!L6","v":0},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D4))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D4))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D4))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E4))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F4))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G4))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H4))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I4))),\"\")","v":""}]
[false,"Out","Financial Wellbeing",{"$f":"'1. Financial wellbeing'!B7","v":6},{"$f":"'1. Financial wellbeing'!C7","v":"Ability to live (adequately) within means"},{"$f":"'1. Financial wellbeing'!D7","v":"Self-reported financial difficulty"},{"$f":"'1. Financial wellbeing'!E7","v":0},{"$f":"'1. Financial wellbeing'!F7","v":"Fincap J1"},{"$f":"'1. Financial wellbeing'!H7","v":"Which one of the following statements best describes how well you are keeping up with your bills and credit commitments at the moment? [Please include those you have personally or jointly with your partner/spouse]\nCHOOSE ONE ONLY\n1. Falling behind\n2. It is a constant struggle\n3. It is a struggle from time to time\n4. Keeping up without any difficulties\n5. Don’t have any bills or credit commitments\n6. Don't know\n8. Prefer not to say"},{"$f":"'1. Financial wellbeing'!L7","v":0},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D5))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D5))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D5))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E5))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F5))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G5))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H5))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I5))),\"\")","v":""}]
[false,"Out","Financial Wellbeing",{"$f":"'1. Financial wellbeing'!B8","v":7},{"$f":"'1. Financial wellbeing'!C8","v":"Ability to live (adequately) within means"},{"$f":"'1. Financial wellbeing'!D8","v":"Falling behind/in debt/in arrears"},{"$f":"'1. Financial wellbeing'!E8","v":0},{"$f":"'1. Financial wellbeing'!F8","v":"FFH Unable"},{"$f":"'1. Financial wellbeing'!H8","v":"In the last [SIX] months, have [you / or your partner] been unable to pay any of these bills due to a lack of money?\nCHOOSE ALL THAT APPLY\n1. Rent or mortgage payments\n2. Council tax\n3. Gas, electricity or other fuel bills\n4. Water bill\n5. Telephone bill (including mobile phone, broadband)\n6. Credit or store card bills\n7. Repayments on a loan or advance,\n8. Repayments on goods bought on hire purchase or mail order\n9. TV licence\n10. Income Tax or VAT payments\n11. Any other bill or regular commitment\n12. None of these (SINGLE CODE ONLY)"},{"$f":"'1. Financial wellbeing'!L8","v":"Practitioners can change [six] months to a reference period which is consistent with the lapsed time between the intervention and follow up measurement"},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D6))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D6))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D6))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E6))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F6))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G6))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H6))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I6))),\"\")","v":""}]
[false,"Out","Financial Wellbeing",{"$f":"'1. Financial wellbeing'!B9","v":8},{"$f":"'1. Financial wellbeing'!C9","v":"Ability to live (adequately) within means"},{"$f":"'1. Financial wellbeing'!D9","v":"Material deprivation"},{"$f":"'1. Financial wellbeing'!E9","v":0},{"$f":"'1. Financial wellbeing'!F9","v":"WB B3"},{"$f":"'1. Financial wellbeing'!H9","v":"How often these days do you and your household go without food, heating, bills or other necessary items due to a lack of money?\nCHOOSE ONE ONLY\n1. Always,\n2. Most of the time\n3. Sometimes\n4. Hardly ever\n5. Never"},{"$f":"'1. Financial wellbeing'!L9","v":0},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D7))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D7))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D7))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E7))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F7))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G7))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H7))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I7))),\"\")","v":""}]
[false,"Out","Financial Wellbeing",{"$f":"'1. Financial wellbeing'!B10","v":9},{"$f":"'1. Financial wellbeing'!C10","v":"Ability to live (adequately) within means"},{"$f":"'1. Financial wellbeing'!D10","v":"Material deprivation"},{"$f":"'1. Financial wellbeing'!E10","v":0},{"$f":"'1. Financial wellbeing'!F10","v":"SILC Afford"},{"$f":"'1. Financial wellbeing'!H10","v":"Looking at this list, can I just check whether your household could afford the following things? \nCHOOSE ALL THAT APPLY\n1. A week's annual holiday away from home\n2. Buying new, rather than second hand, clothes\n3. Keeping your home adequately warm in winter\n4. Having friends or family for a drink or meal once a month\n5. Going out or socialising\n6. A hobby or leisure activity\n7. Replacing a major electrical appliance (e.g. fridge)\n8. Keeping your home in a decent state of decoration\n9. None of these (SINGLE CODE ONLY)"},{"$f":"'1. Financial wellbeing'!L10","v":0},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D8))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D8))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D8))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E8))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F8))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G8))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H8))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I8))),\"\")","v":""}]
[false,"Out","Financial Wellbeing",{"$f":"'1. Financial wellbeing'!B11","v":10},{"$f":"'1. Financial wellbeing'!C11","v":"Financial resilience - ability to withstand financial shocks"},{"$f":"'1. Financial wellbeing'!D11","v":0},{"$f":"'1. Financial wellbeing'!E11","v":0},{"$f":"'1. Financial wellbeing'!F11","v":"Fincap I10"},{"$f":"'1. Financial wellbeing'!H11","v":"Thinking about an unexpected bill which you have to pay within seven days from today.\n\nWhich, if any of the following would you do to pay a bill of £300? \n\nIf you think you would do more than one, please select the main thing you would do, that is the one you would get the most money from.\nCHOOSE ONE ONLY\n1. I  would pay it with my own money, without dipping into savings or cutting back on essentials\n2. I would pay it with my own money, without dipping into savings but I would have to cut back on essentials\n3. I would have to dip into savings \n4. I would use a form of credit (e.g. credit card, take out a loan or make use of an authorised overdraft facility)\n5. I would go overdrawn without authorisation\n6. I would get the money from friends or family as gift or loan\n7. I would have to sell personal/household item(s) to get the money  \n8. I would not be able to pay this expense\n9. Don’t know \n10. Prefer not to say"},{"$f":"'1. Financial wellbeing'!L11","v":0},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D9))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D9))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D9))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E9))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F9))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G9))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H9))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I9))),\"\")","v":""}]
[false,"Out","Financial Wellbeing",{"$f":"'1. Financial wellbeing'!B12","v":11},{"$f":"'1. Financial wellbeing'!C12","v":"Financial resilience - ability to withstand financial shocks"},{"$f":"'1. Financial wellbeing'!D12","v":0},{"$f":"'1. Financial wellbeing'!E12","v":0},{"$f":"'1. Financial wellbeing'!F12","v":"Genworth"},{"$f":"'1. Financial wellbeing'!H12","v":"Do you (and your partner) currently have at least as much money in savings as you get in income each month? \nCHOOSE ONE ONLY\n1. No\n2. Yes, about 1 month\n3. Yes, about 2 months\n4. Yes, three months of more\n\n"},{"$f":"'1. Financial wellbeing'!L12","v":0},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D10))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D10))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D10))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E10))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F10))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G10))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H10))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I10))),\"\")","v":""}]
[false,"Out","Financial Wellbeing",{"$f":"'1. Financial wellbeing'!B13","v":12},{"$f":"'1. Financial wellbeing'!C13","v":"Finances and emotional/mental wellbeing"},{"$f":"'1. Financial wellbeing'!D13","v":0},{"$f":"'1. Financial wellbeing'!E13","v":0},{"$f":"'1. Financial wellbeing'!F13","v":"NI L&T 2000 LoseJob and DAE Q28"},{"$f":"'1. Financial wellbeing'!H13","v":"A) To what extent, if at all, do you worry about your current financial situation?\nCHOOSE ONE ONLY\n1. Worry a great deal \n2. Worry to some extent \n3. Worry a little \n4. Don’t worry at all \n5. Don’t know\n\nB) And which of the following, if any, do you experience these days because of your household's financial situation?\nCHOOSE ALL THAT APPLY\n1. Stress or anxiety\n2. Low mood or depression\n3. Difficulty concentrating or relaxing\n4. Difficulty sleeping\n5. Panic attacks\n6. Difficulty eating, or eating too much\n7. Increased use of alcohol \n8. Dependence on prescription or over-the-counter drugs\n9. Use of illicit (illegal) drugs\n10. None of these (SINGLE CODE ONLY)\n11. Don't know\n12. Prefer not to say"},{"$f":"'1. Financial wellbeing'!L13","v":"Both questions can be asked, but in this order."},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D11))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D11))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D11))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E11))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F11))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G11))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H11))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I11))),\"\")","v":""}]
[false,"Out","Financial Wellbeing",{"$f":"'1. Financial wellbeing'!B14","v":13},{"$f":"'1. Financial wellbeing'!C14","v":"Confidence in financial future"},{"$f":"'1. Financial wellbeing'!D14","v":0},{"$f":"'1. Financial wellbeing'!E14","v":0},{"$f":"'1. Financial wellbeing'!F14","v":"BASE QCstali "},{"$f":"'1. Financial wellbeing'!H14","v":"Taking everything into account, how confident are you that you will have enough money to give you the standard of living you hope for in a year from now?\nCHOOSE ONE ONLY\n1. Very confident\n2. Fairly confident\n3. Not very confident\n4. Not at all confident\n5. Don’t know"},{"$f":"'1. Financial wellbeing'!L14","v":0},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D12))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D12))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D12))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E12))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F12))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G12))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H12))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I12))),\"\")","v":""}]
[false,"Out","Behaviour",{"$f":"'4. Behaviour'!B3","v":1},{"$f":"'4. Behaviour'!C3","v":"Dealing with financial difficulties"},{"$f":"'4. Behaviour'!D3","v":0},{"$f":"'4. Behaviour'!E3","v":"Taking steps to reduce their debt (such contacting creditors, sticking to an agreed repayment plan etc.) or to reduce their spending/commitments "},{"$f":"'4. Behaviour'!G3","v":"Fincap J4"},{"$f":"'4. Behaviour'!I3","v":"PRE\nWhich, if any, of the following steps have you taken [in the last X months] to reduce the amount of money you owe on your outstanding debts, including credit commitments and bill arrears?\nPOST\nWhich, if any, of the following steps have you taken since [REFERENCE POINT] to reduce the amount of money you owe on your outstanding debts, including credit commitments and bill arrears?\nCHOOSE ALL THAT APPLY\n1. Increased my regular payments\n2. Paid a lump sum towards them\n3. Spoken to my lender\n4. Sought independent advice (e.g. from Citizen's Advice Bureau, StepChange, Money Advice Service, [OTHERS])\n5. Consolidate your loans or credit cards\n6. Set up a Debt Management Plan or Debt Arrangement Scheme\n7. Arranged to write off some or all of my debts (e.g. Applied for bankruptcy or a debt relief order or set up an IVA)\n8. None of these  (SINGLE CODE ONLY)\n9. Do not have any debts  (SINGLE CODE ONLY)\n"},{"$f":"'4. Behaviour'!M3","v":"Practitioners can optionally insert additional actions relevant to their intervention prior to code 'None of these'. Actions need to be relevant, clearly stated and as succinct as possible.\n\nPractitioners will need to insert a reference period which is relevant to their intervention and, if using the POST version, change REFERENCE POINT to something relevant to intervention (e.g. since the workshop, or since you last saw us)."},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D13))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D13))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D13))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E13))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F13))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G13))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H13))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I13))),\"\")","v":""}]
[false,"Out","Behaviour",{"$f":"'4. Behaviour'!B4","v":2},{"$f":"'4. Behaviour'!C4","v":"Managing money well day-to-day"},{"$f":"'4. Behaviour'!D4","v":0},{"$f":"'4. Behaviour'!E4","v":"Keeping track of income and spending"},{"$f":"'4. Behaviour'!G4","v":"Fincap F2"},{"$f":"'4. Behaviour'!I4","v":"Which of these best describes how accurately you know how much money you have at present, excluding any savings?  We’re not interested in how much money you have, just how accurately you know how much money you have to spend. \nCHOOSE ONE ONLY\n1. I know within a pound or two\n2. I know within £10 \n3. I know within £50\n4. I know within £100 \n5. I know within £500\n6. I have no idea at all\n\n"},{"$f":"'4. Behaviour'!M4","v":"This question should be asked before asking respondents about how they keep track of their money (Q3)."},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D14))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D14))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D14))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E14))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F14))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G14))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H14))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I14))),\"\")","v":""}]
[false,"Out","Behaviour",{"$f":"'4. Behaviour'!B5","v":3},{"$f":"'4. Behaviour'!C5","v":"Managing money well day-to-day"},{"$f":"'4. Behaviour'!D5","v":0},{"$f":"'4. Behaviour'!E5","v":"Keeping track of income and spending"},{"$f":"'4. Behaviour'!G5","v":"Fincap F4"},{"$f":"'4. Behaviour'!I5","v":"Which, if any, of the following describe what you do to keep track of your money?\nCHOOSE ALL THAT APPLY\n1. Keep a mental note/ a note in my head\n2. Keep a spending diary, log or spreadsheet\n3. Keep receipts\n4. Check your balance\n5. Compare receipts/spending against your statements\n6. Check all incomings and outgoings on your statements\n7. Compare spending between one month and another\n8. File and retain statements\n9. Something else\n10. None of these  (SINGLE CODE ONLY)\n\n"},{"$f":"'4. Behaviour'!M5","v":"Practitioners can optionally insert additional actions relevant to their intervention prior to code 'Something else'. Actions need to be relevant, clearly stated and as succinct as possible.\n\nPositive change includes movement from 1 or 10 to any others and / or increasing the number of behaviours they have adopted "},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D15))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D15))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D15))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E15))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F15))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G15))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H15))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I15))),\"\")","v":""}]
[false,"Out","Behaviour",{"$f":"'4. Behaviour'!B6","v":4},{"$f":"'4. Behaviour'!C6","v":"Managing money well day-to-day"},{"$f":"'4. Behaviour'!D6","v":0},{"$f":"'4. Behaviour'!E6","v":"Creating and sticking to a viable budget"},{"$f":"'4. Behaviour'!G6","v":"CitA 3"},{"$f":"'4. Behaviour'!I6","v":"A) How closely do you normally plan how you will spend your money over the coming week or month? For example by drawing up a budget.\nCHOOSE ONE ONLY\n1. Very closely\n2. Fairly closely\n3. Not very closely\n4. I do not plan my spending at all\n5. Don't know\n\nB) And, how often do you keep to the budget you set?\nCHOOSE ONE ONLY\n1. Always \n2. Most of the time\n3. Sometimes\n4. Hardly ever\n5. Never\n6. Do not budget"},{"$f":"'4. Behaviour'!M6","v":"Both questions should be used together, in this order."},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D16))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D16))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D16))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E16))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F16))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G16))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H16))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I16))),\"\")","v":""}]
[false,"Out","Behaviour",{"$f":"'4. Behaviour'!B7","v":5},{"$f":"'4. Behaviour'!C7","v":"Managing money well day-to-day"},{"$f":"'4. Behaviour'!D7","v":0},{"$f":"'4. Behaviour'!E7","v":"Creating and sticking to a viable budget"},{"$f":"'4. Behaviour'!G7","v":"FinCap I4"},{"$f":"'4. Behaviour'!I7","v":"To what extent would you say the following applies to you?\n\n- I think of my money in terms of “pots” put aside for different things.\n\nPlease answer on a scale of 0 to 10, where 0 means it doesn’t sound like you at all and 10 means it sounds a lot like you\n"},{"$f":"'4. Behaviour'!M7","v":"Use a visual 0 to 10 scale with the statements indicated attached the extremes."},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D17))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D17))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D17))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E17))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F17))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G17))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H17))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I17))),\"\")","v":""}]
[false,"Out","Behaviour",{"$f":"'4. Behaviour'!B8","v":6},{"$f":"'4. Behaviour'!C8","v":"Managing money well day-to-day"},{"$f":"'4. Behaviour'!D8","v":0},{"$f":"'4. Behaviour'!E8","v":"Managing bill payments - pay bills on time (and in full if possible) "},{"$f":"'4. Behaviour'!G8","v":"DAE Q19"},{"$f":"'4. Behaviour'!I8","v":"How often do you delay or miss paying a bill, beyond the date it becomes due?\nCHOOSE ONE ONLY\n1. I often do this \n2. I occasionally do this \n3. I rarely do this \n4. I never do this"},{"$f":"'4. Behaviour'!M8","v":0},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D18))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D18))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D18))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E18))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F18))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G18))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H18))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I18))),\"\")","v":""}]
[false,"Out","Behaviour",{"$f":"'4. Behaviour'!B9","v":7},{"$f":"'4. Behaviour'!C9","v":"Managing money well day-to-day"},{"$f":"'4. Behaviour'!D9","v":0},{"$f":"'4. Behaviour'!E9","v":"Managing bill payments - pay bills on time (and in full if possible)"},{"$f":"'4. Behaviour'!G9","v":"BASE Qbplan"},{"$f":"'4. Behaviour'!I9","v":"How well do you usually plan ahead to make sure you have the money to pay for regular bills and expenses? \nCHOOSE ONE ONLY\n1. Plan ahead to cover the full amount\n2. Plan ahead to cover some of the amount\n3. Don't plan ahead because there is always enough money to cover them\n4. Don't plan ahead at all\n"},{"$f":"'4. Behaviour'!M9","v":0},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D19))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D19))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D19))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E19))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F19))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G19))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H19))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I19))),\"\")","v":""}]
[false,"Out","Behaviour",{"$f":"'4. Behaviour'!B10","v":8},{"$f":"'4. Behaviour'!C10","v":"Managing money well day-to-day"},{"$f":"'4. Behaviour'!D10","v":0},{"$f":"'4. Behaviour'!E10","v":"Maximising income (e.g.. claim benefits, shopping around for best deals etc.) "},{"$f":"'4. Behaviour'!G10","v":"Fincap E14"},{"$f":"'4. Behaviour'!I10","v":"A) When did you last do each of the following things?:\n\n- Compared bank accounts to make sure you are not paying more fees or charges than you need to pay\n- Compared saving accounts to make sure you are receiving the best rate of interest on your savings\n- Compared credit cards or loans to make sure you are paying as little in interest as possible\n - Compared electricity or gas deals to make sure you are on the best deal available\n- Compared phone,  broadband or TV deals to make sure you are on the best deal available\n- Compared insurance policies (e.g. car, home, pet) to make sure you are on the best deal available\nCHOOSE ONE FOR EACH\n1. Within the last month\n2. Between one and three months ago\n3. Between three and six months ago\n4. Between six and one year ago\n5. Between one and five years ago\n6. More than five years ago\n7. Never \n8. Not applicable - don't have or need this\n\nB) And thinking about the last time you checked whether you were on the best deal, what did you do as a result?\nCHOOSE ONE FOR EACH CODED 1-6 ABOVE\n1. I switched product or provider \n2. I chose to stay with my current product/provider \n3. I haven’t made my mind up\n4. Don't know/can't remember"},{"$f":"'4. Behaviour'!M10","v":"This question may not be needed if the one above is adequate. \n\nPractitioners can select which of the actions they wish to include and add additional items if appropriate. New items should be relevant, clear and as succinct as possible\n\nThese questions should be asked in this order. B need not be asked if response to A is 7 or 8.\n\nFor measurement at post intervention, users will need to take into account the long time periods referenced in the answers to A, as longer periods may overlap with pre-intervention"},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D20))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D20))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D20))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E20))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F20))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G20))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H20))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I20))),\"\")","v":""}]
[false,"Out","Behaviour",{"$f":"'4. Behaviour'!B11","v":9},{"$f":"'4. Behaviour'!C11","v":"Managing money well day-to-day"},{"$f":"'4. Behaviour'!D11","v":0},{"$f":"'4. Behaviour'!E11","v":"Maximising income (e.g.. claim benefits, shopping around for best deals etc.)"},{"$f":"'4. Behaviour'!G11","v":"CitA"},{"$f":"'4. Behaviour'!I11","v":"Which of the following things, if any, do you currently do to make your money go further?  \nCHOOSE ALL THAT APPLY\n1. Shop around for food and groceries \n2. Look out for special offers or reduced items\n3. Plan meals in advance \n4. Make a shopping list\n5. Avoid treats and non-essential items\n6. Use money saving tips\n7. Turn lights/power off at home when they are not in use\n8. Check the charges on essential bills such as electricity or phone to see if there is a cheaper tariff or supplier available  \n9. None of these"},{"$f":"'4. Behaviour'!M11","v":"Practitioners can optionally insert additional actions relevant to their intervention prior to code 'None of these'. Actions need to be relevant, clearly stated and as succinct as possible."},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D21))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D21))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D21))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E21))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F21))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G21))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H21))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I21))),\"\")","v":""}]
[false,"Out","Behaviour",{"$f":"'4. Behaviour'!B12","v":10},{"$f":"'4. Behaviour'!C12","v":"Managing money well day-to-day"},{"$f":"'4. Behaviour'!D12","v":0},{"$f":"'4. Behaviour'!E12","v":"Maximising income (e.g.. claim benefits, shopping around for best deals etc.) "},{"$f":"'4. Behaviour'!G12","v":"X"},{"$f":"'4. Behaviour'!I12","v":"When choosing or renewing a product such as mobile phone contracts, energy tariffs, or credit cards which of the following is most like you.\nCHOOSE ONE ONLY\n1. I always spend time comparing different products  \n2. I sometimes spend time comparing different products but I don't always have the time\n3.  I  tend to make decisions based on convenience rather than shopping around."},{"$f":"'4. Behaviour'!M12","v":0},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D22))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D22))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D22))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E22))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F22))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G22))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H22))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I22))),\"\")","v":""}]
[false,"Out","Behaviour",{"$f":"'4. Behaviour'!B13","v":11},{"$f":"'4. Behaviour'!C13","v":"Managing money well day-to-day"},{"$f":"'4. Behaviour'!D13","v":0},{"$f":"'4. Behaviour'!E13","v":"Maximising income (e.g.. claim benefits, shopping around for best deals etc.)"},{"$f":"'4. Behaviour'!G13","v":"X"},{"$f":"'4. Behaviour'!I13","v":"When did you last do each of the following things?:\n- Checked whether you are receiving all the benefits, tax credits or pension that you are entitlement to\n- Applied for new or additional benefits, tax credits or pension that you are entitled to\n- Increased or tried to increase your income in some other way (e.g. applied for a job, claimed grants)\nCHOOSE ONE FOR EACH\n1. Within the last month\n2. Between one and three months ago\n3. Between three and six months ago\n4. Between six and one year ago\n5. Between one and five years ago\n6. More than five years ago\n7. Never (SINGLE CODE ONLY)\n8. Not applicable - don't have or need this 9SINGLE CODE ONLY)"},{"$f":"'4. Behaviour'!M13","v":"Practioners can select which of the actions they wish to include and add additional items if appropriate. New items should be relevant, clear and as succinct as possible"},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D23))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D23))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D23))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E23))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F23))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G23))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H23))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I23))),\"\")","v":""}]
[false,"Out","Behaviour",{"$f":"'4. Behaviour'!B14","v":12},{"$f":"'4. Behaviour'!C14","v":"Managing money well day-to-day"},{"$f":"'4. Behaviour'!D14","v":0},{"$f":"'4. Behaviour'!E14","v":"Using credit responsibly/sensibly"},{"$f":"'4. Behaviour'!G14","v":"Fincap E10"},{"$f":"'4. Behaviour'!I14","v":"Which of the following describes how you normally repay the money owed on your credit or store card(s) ?\nCHOOSE ONE ONLY\n1. The minimum payment allowed\n2. More than the minimum but less than the full amount\n3. The full amount\n4. It varies too much to say\n5. Don’t know\n6. Prefer not so say"},{"$f":"'4. Behaviour'!M14","v":0},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D24))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D24))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D24))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E24))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F24))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G24))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H24))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I24))),\"\")","v":""}]
[false,"Out","Behaviour",{"$f":"'4. Behaviour'!B15","v":13},{"$f":"'4. Behaviour'!C15","v":"Managing money well day-to-day"},{"$f":"'4. Behaviour'!D15","v":0},{"$f":"'4. Behaviour'!E15","v":"Using credit responsibly/sensibly ]"},{"$f":"'4. Behaviour'!G15","v":"DAE Q23"},{"$f":"'4. Behaviour'!I15","v":"Which of the following, if any, do you currently have? \nCHOOSE ALL THAT APPLY\n1. A credit card which you are using to pay off another card\n2. A credit or store card which you are unable to make the minimum payments on\n3. A loan, hire purchase or mail order account which you are unable to pay when the payment(s) came due  \n4. A loan, including a payday or pawnbroking loan, which you have rolled over, extended or renewed\n5. An authorised overdraft balance which is getting bigger each month \n6. An unauthorised overdraft which you are using\n7. Money you have borrowed from an unlicensed lender ('loan shark') \n8. None of these (SINGLE CODE ONLY)\n9. Don't know (SINGLE CODE ONLY)\n10. Prefer not to say (SINGLE CODE ONLY)"},{"$f":"'4. Behaviour'!M15","v":0},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D25))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D25))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D25))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E25))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F25))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G25))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H25))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I25))),\"\")","v":""}]
[false,"Out","Behaviour",{"$f":"'4. Behaviour'!B16","v":14},{"$f":"'4. Behaviour'!C16","v":"Managing money well day-to-day"},{"$f":"'4. Behaviour'!D16","v":0},{"$f":"'4. Behaviour'!E16","v":"Using credit responsibly/sensibly"},{"$f":"'4. Behaviour'!G16","v":"WB B4a and HCC 8.9"},{"$f":"'4. Behaviour'!I16","v":"A) Do you and your household ever [use credit or borrow money] to buy food or pay for other necessary items because you have run short of money?\nCHOOSE ONE ONLY\n1. Yes, regularly\n2. Yes, sometimes \n3. No\n\nB) And which of the following types of credit would you normally use to pay for food or other necessary items?\n1. Credit or store card\n2. Overdraft \n3. Payday loan\n3. Loan from company that collects payments from your home (e.g. Provident, Greenwoods)\n5. Loan from a pawnbroker\n7. Loan from a Credit Union or other community finance organisation\n8. A loan from a friend or relative.\n9. Loan from the Social Fund\n10. Loan from an unlicensed lender who charges interest, sometimes called a loan shark\n11. Any other type of loan from a bank, building society or finance company e.g. Norton Finance, Blackhorse car finance\n11) Something else\n12) Don't know\n13) Prefer not to say"},{"$f":"'4. Behaviour'!M16","v":0},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D26))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D26))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D26))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E26))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F26))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G26))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H26))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I26))),\"\")","v":""}]
[false,"Out","Behaviour",{"$f":"'4. Behaviour'!B17","v":15},{"$f":"'4. Behaviour'!C17","v":"General saving behaviour "},{"$f":"'4. Behaviour'!D17","v":0},{"$f":"'4. Behaviour'!E17","v":"Saving on a regular basis "},{"$f":"'4. Behaviour'!G17","v":"FinCap G3 and G4\n\nCitA Q33"},{"$f":"'4. Behaviour'!I17","v":"A) Which of these best describes how often you save money?\nCHOOSE ONE ONLY\n1. Every month\n2. Most months\n3. Some months, but not others\n4. Rarely/never\n5. Don’t know\n\nB) Just thinking about the months that you save money is the amount that you save…\n1. Roughly the same each month\n2. A little different from month to month\n3. Very different from month to month\n4. Don’t know\n\nC) About how much on average do you personally manage to save each month, at the moment? \nENTER AMOUNT IN £\nVaries too much to say"},{"$f":"'4. Behaviour'!M17","v":"These questions are best asked only if an initial question has been asked which defines what we mean by saving (see, for example the question which asks In which of the following ways are you currently putting money aside or saving it for a later time?).  It is advisable to use these questions together as an integrated set."},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D27))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D27))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D27))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E27))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F27))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G27))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H27))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I27))),\"\")","v":""}]
[false,"Out","Behaviour",{"$f":"'4. Behaviour'!B18","v":16},{"$f":"'4. Behaviour'!C18","v":"General saving behaviour "},{"$f":"'4. Behaviour'!D18","v":0},{"$f":"'4. Behaviour'!E18","v":"How people save "},{"$f":"'4. Behaviour'!G18","v":"OECD QF3"},{"$f":"'4. Behaviour'!I18","v":"In which of the following ways are you currently putting money aside or saving it for a later time? \nCHOOSE ALL THAT APPLY\n1. By saving cash at home, in your wallet or another safe place\n2. Building up a balance of money in your bank account \n3. Paying money into a savings account\n4. Paying money into a credit union account \n5. Giving money to family to save on your behalf \n6. Saving in <an informal savings club> \n7. Buying financial investment products, other than pension funds [give examples such as bonds, investment trusts, stocks and shares]\n8. Or in some other way (including remittances, buying livestock, gold or property)\n9. None of these (SINGLE CODE ONLY)\n10. Don’t know"},{"$f":"'4. Behaviour'!M18","v":"The follow up questions (B,C) can only be asked if the first question has been asked to orientate people to what we mean by saving."},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D28))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D28))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D28))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E28))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F28))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G28))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H28))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I28))),\"\")","v":""}]
[false,"Out","Behaviour",{"$f":"'4. Behaviour'!B19","v":17},{"$f":"'4. Behaviour'!C19","v":"General saving behaviour "},{"$f":"'4. Behaviour'!D19","v":0},{"$f":"'4. Behaviour'!E19","v":"What people save for "},{"$f":"'4. Behaviour'!G19","v":"WAS OWhySav"},{"$f":"'4. Behaviour'!I19","v":"A) People save money for different reasons.  Which, if any, of the following reasons are you saving for?\nCHOOSE ALL THAT APPLY\n1. For a specific expense, purchase or event\n2. For unexpected expenditures\n3. As a safety net or peace of mind\n4. To see my money grow/ as speculation\n5. Don't spend all of income\n6. No particular reason\n7. None of these\n\nIF CODE 1 AT A (SPECIFIC/PLANNED EXPENSES)\nB) What planned expenses, purchases or events, if any, are you saving for?\nCHOOSE ALL THAT APPLY \n1. For known or expected bills\n2. For holidays, day trips or other leisure activities \n3. For birthdays, Christmas, Eid or other celebrations\n4. Home improvements\n5. Purchasing a car/van/motorbike\n6. To buy, rent or move house\n7. A wedding\n8. Starting a family/having another child\n9. Education or change of career \n10. To help other family members financially through gifts or an inheritance\n11. To provide a regular income for the coming months\n12. To provide income for retirement\n13. Some other planned expense\n14. None of these"},{"$f":"'4. Behaviour'!M19","v":"Practitioners can choose to use either question or both, remembering to include the preamble once."},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D29))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D29))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D29))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E29))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F29))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G29))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H29))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I29))),\"\")","v":""}]
[false,"Out","Behaviour",{"$f":"'4. Behaviour'!B20","v":18},{"$f":"'4. Behaviour'!C20","v":"Preparing for and managing life events"},{"$f":"'4. Behaviour'!D20","v":0},{"$f":"'4. Behaviour'!E20","v":"Working towards relevant longer-term financial goals e.g.. home ownership"},{"$f":"'4. Behaviour'!G20","v":"Fincap D2"},{"$f":"'4. Behaviour'!I20","v":"A) Which, if any, of these financial goals do you have for the next five years?\nPLEASE SELECT ALL THAT APPLY \n1. Just making ends meet day to day\n2. Paying off my debts/reducing debts\n3. To buy, rent or move house\n4. Saving money for a wedding\n5. Saving money to start a family/have another child\n6. Saving money for education (for me or my children)\n7. Saving money to help grown-up children to buy/rent  a home\n8. Saving money for a holiday\n9. Saving money for retirement\n10. Saving money for home improvements\n11. Saving money to purchase a car/van/motorbike\n12. Saving money generally\n13. Other (please specify)\n14. None of these (SINGLE CODE ONLY)"},{"$f":"'4. Behaviour'!M20","v":0},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D30))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D30))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D30))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E30))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F30))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G30))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H30))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I30))),\"\")","v":""}]
[false,"Out","Behaviour",{"$f":"'4. Behaviour'!B21","v":19},{"$f":"'4. Behaviour'!C21","v":"Preparing for and managing life events"},{"$f":"'4. Behaviour'!D21","v":0},{"$f":"'4. Behaviour'!E21","v":"Saving for retirement"},{"$f":"'4. Behaviour'!G21","v":"Fincap H1"},{"$f":"'4. Behaviour'!I21","v":"Are you currently paying into one or more pensions? This can include an employer or any other type of private pension\nCHOOSE ONE ONLY\n1. Yes\n2. No\n3. I am retired so I am not paying into a pension\n4. Don’t know"},{"$f":"'4. Behaviour'!M21","v":0},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D31))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D31))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D31))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E31))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F31))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G31))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H31))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I31))),\"\")","v":""}]
[false,"Out","Behaviour",{"$f":"'4. Behaviour'!B22","v":20},{"$f":"'4. Behaviour'!C22","v":"Preparing for and managing life events"},{"$f":"'4. Behaviour'!D22","v":0},{"$f":"'4. Behaviour'!E22","v":"Saving for retirement"},{"$f":"'4. Behaviour'!G22","v":"X"},{"$f":"'4. Behaviour'!I22","v":"When did you last increase the amount you pay into your pension? \nCHOOSE THE FIRST ONE WHICH APPLIES TO YOU\n1. Within the last three months\n2. Within the last year\n3. Within the last two years\n4. Within the last five years\n5. Longer than five years ago\n6. I am retired so I am not paying into a pension"},{"$f":"'4. Behaviour'!M22","v":0},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D32))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D32))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D32))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E32))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F32))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G32))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H32))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I32))),\"\")","v":""}]
[false,"Out","Behaviour",{"$f":"'4. Behaviour'!B23","v":21},{"$f":"'4. Behaviour'!C23","v":"Preparing for and managing life events"},{"$f":"'4. Behaviour'!D23","v":0},{"$f":"'4. Behaviour'!E23","v":"Saving for retirement"},{"$f":"'4. Behaviour'!G23","v":"AtP IncKnow"},{"$f":"'4. Behaviour'!I23","v":"I'd now like you to think about how much your income in retirement will be. \n\nA) Which of these statements best describes your knowledge of how much your income in retirement will be? \nCHOOSE ONE ONLY\n1. I have a good idea of what my income in retirement will be\n2. I have a fair idea of what my income in retirement will be\n3. I know vaguely whether I will have enough to live on or not in retirement, but no more than that\n4. I have no idea of what my income in retirement will be\n\nB) Which of the following best describes your expectations of your income in retirement? \nCHOOSE ONE ONLY\n1. I know it will meet my needs\n2. I know it won't meet my needs\n3. I don't know if it will meet my needs or not"},{"$f":"'4. Behaviour'!M23","v":"Practitioners can use either or both, remembering to use the preamble once.\n\nUsers should be aware that clients may experience a drop on this measure following an intervention if there increased knowledge means they are less confident about their retirement income. "},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D33))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D33))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D33))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E33))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F33))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G33))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H33))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I33))),\"\")","v":""}]
[false,"Out","Behaviour",{"$f":"'4. Behaviour'!B24","v":22},{"$f":"'4. Behaviour'!C24","v":"Preparing for and managing life events"},{"$f":"'4. Behaviour'!D24","v":0},{"$f":"'4. Behaviour'!E24","v":"Saving for retirement"},{"$f":"'4. Behaviour'!G24","v":"X"},{"$f":"'4. Behaviour'!I24","v":"PRE\nThinking about the last [SIX] months, which of the following, if any, have you done in relation to your pension or retirement income? \nPOST\nSince [REFERENCE POINT], which of the following, if any, have you done in relation to your pension or retirement income? \nCHOOSE ALL THAT APPLY\n1. Checked whether my income will be enough will be enough to meet my needs in retirement\n2. Increased how much I am paying towards my retirement income\n3. None of these (SINGLE CODE ONLY)"},{"$f":"'4. Behaviour'!M24","v":"Practitioners can change the standard reference period of [SIX] months for pre-intervention to one relevant to their intervention (which may depend on how acute the advice need is), and should change REFERENCE POINT to reference their intervention (e.g. \"since the workshop\" \"since you last saw\")"},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D34))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D34))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D34))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E34))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F34))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G34))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H34))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I34))),\"\")","v":""}]
[false,"Out","Behaviour",{"$f":"'4. Behaviour'!B25","v":23},{"$f":"'4. Behaviour'!C25","v":"Preparing for and managing life events"},{"$f":"'4. Behaviour'!D25","v":0},{"$f":"'4. Behaviour'!E25","v":"Having appropriate insurance/income protection"},{"$f":"'4. Behaviour'!G25","v":"Fincap E12\n/3"},{"$f":"'4. Behaviour'!I25","v":"Which, if any, of the following protection products do you and your partner/spouse have, even if you didn't arrange them yourself? \nCHOOSE ALL THAT APPLY\n1.  Home insurance (covering contents and/or the building)\n2. Insurance for specific items (e.g. white goods, mobile phone)\n3. Payment protection insurance (e.g. for a credit card or mortgage)\n4. Private Medical Insurance (paying or part-paying private hospital or specialist health care)\n5. . Critical illness Insurance (paying a lump sum if you become seriously ill)\n6. Income protection insurance  (providing regular payments if you cannot work due to ill health or accident)\n7. Life insurance that pays out on death\n8. Anther type of insurance\n9. Funeral plan\n10. A will \n11.[OTHER/ADDITIONAL ITEMS]\n12. None of these (SINGLE CODE ONLY)"},{"$f":"'4. Behaviour'!M25","v":0},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D35))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D35))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D35))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E35))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F35))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G35))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H35))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I35))),\"\")","v":""}]
[false,"Out","Behaviour",{"$f":"'4. Behaviour'!B26","v":24},{"$f":"'4. Behaviour'!C26","v":"Cross-cutting"},{"$f":"'4. Behaviour'!D26","v":0},{"$f":"'4. Behaviour'!E26","v":"Proactively seeking advice and guidance "},{"$f":"'4. Behaviour'!G26","v":"WAS DBurdW"},{"$f":"'4. Behaviour'!I26","v":"PRE\nWhich of these, if any, have you sought advice from in relation to money or your finances in the last [SIX] months?\nPOST\nWhich of these, if any, have you sought advice from in relation to money or finances since [REFERENCE POINT]?\nCODE ALL THAT APPLY\n1. A free advice agency (Citizens Advice Bureau, money advice centre, debt advice agency, law centre, consumer credit counselling service, National Debtline)\n2. A fee-charging advice company\n3. An insolvency practitioner\n4. Accountant, bank manager or other financial adviser\n5. Solicitor or lawyer\n6. A social landlord\n7. Friends or relatives\n8. The internet\n9. Some other source \n10. None of these (SINGLE CODE ONLY)"},{"$f":"'4. Behaviour'!M26","v":"Practitioners can change the standard reference period of [six] months for pre-intervention to one relevant to their intervention (which may depend on how acute the advice need is), and should change REFERENCE POINT to reference their intervention (e.g. \"since the workshop\" \"since you last saw\")"},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D36))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D36))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D36))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E36))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F36))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G36))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H36))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I36))),\"\")","v":""}]
[false,"Out","Behaviour",{"$f":"'4. Behaviour'!B27","v":25},{"$f":"'4. Behaviour'!C27","v":"Cross-cutting"},{"$f":"'4. Behaviour'!D27","v":0},{"$f":"'4. Behaviour'!E27","v":"Proactively seeking advice and guidance online"},{"$f":"'4. Behaviour'!G27","v":"DSK 2.1"},{"$f":"'4. Behaviour'!I27","v":"How often in the last [THREE MONTHS] have you gone online for the following purposes?\n\n- For information or advice on a financial product you needed or wanted\n- To find out whether a financial product was suitable for you\n- To compare financial products to find the best deal for you\n\nCHOOSE ONE FOR EACH\n1. Every day\n2. Every week\n3. Every few weeks\n4. Never \n5. Don’t know"},{"$f":"'4. Behaviour'!M27","v":"Practitioners can replace [THREE MONTHS] with a reference period which relates to their intervention. \n\nPractitioners may additionally wish to use only those items which relate to their intervention"},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D37))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D37))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D37))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E37))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F37))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G37))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H37))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I37))),\"\")","v":""}]
[false,"Out","Means",{"$f":"'2. Means'!B3","v":1},{"$f":"'2. Means'!C3","v":"Income"},{"$f":"'2. Means'!D3","v":"Employment status"},null,{"$f":"'2. Means'!E3","v":"Standard question"},{"$f":"'2. Means'!G3","v":"Thinking about your employment, what is your current status?\n\nSELECT ONE ONLY\nIF MORE THAN ONE APPLIES, SELECT MAIN STATUS\nIF ON MATERNITY LEAVE FROM EMPLOYER AND PLANNING ON RETURNING COUNT THIS AS WORKING\n1. Working for an employer full-time (that is for 30 or more hours per week)\n2. Working for an employer part-time (that is for less than 30 hours per week)\n3. Self-employed (with or without workers)\n4. Unemployed and looking for work\n5. Unemployed and not looking for work\n6. Retired\n7. Student\n8. Permanently sick / disabled\n9. Temporarily sick \n10. Looking after home\n11. Other \n"},{"$f":"'2. Means'!K3","v":"No"},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D38))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D38))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D38))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E38))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F38))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G38))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H38))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I38))),\"\")","v":""}]
[false,"Out","Means",{"$f":"'2. Means'!B4","v":2},{"$f":"'2. Means'!C4","v":"Income"},{"$f":"'2. Means'!D4","v":0},null,{"$f":"'2. Means'!E4","v":"Fincap P4"},{"$f":"'2. Means'!G4","v":"A) Which of the following sources of income, if any, do you currently have? Please include any income you receive personally or jointly with your partner or spouse. \nCHOOSE ALL THAT APPLY  \n1. Income from employment/self-employment (including sick pay)\n2. Income from personal or occupational pensions\n3. Income from savings/investments\n4. Rent you receive from boarders or lodgers (not family members) or other property you rent out or sublet\n5. Child maintenance payments\n6. Other types of payments or maintenance from parents or other family members who you do not live with, including as regular gifts\n7. None of these (SINGLE CODE ONLY)\n8. Don’t know  (SINGLE CODE ONLY)\n9. Prefer not to say  (SINGLE CODE ONLY)\n\nB) And which of the following sources of income do you currently have, if any?\nCHOOSE ALL THAT APPLY  \n1. State Pension\n2. Pension Credit\n3. Child benefit\n4. Universal Credit\n5. Working Tax Credits\n6. Job Seekers Allowance (JSA) \n7. Employment and Support Allowance (ESA)\n8. Income Support \n9. Housing benefit\n10. Council Tax Reduction\n11. Disability Living Allowance (DLA), Personal Independence Payment (PIP) or Attendance Allowance (AA)\n12. Carers Allowance\n13. Something else \n14. None of these (SINGLE CODE ONLY)\n15. Don't know (SINGLE CODE ONLY)\n16. Prefer not to say (SINGLE CODE ONLY)"},{"$f":"'2. Means'!K4","v":"Practitioners can choose to use either or both questions, depending on need."},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D39))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D39))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D39))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E39))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F39))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G39))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H39))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I39))),\"\")","v":""}]
[false,"Out","Means",{"$f":"'2. Means'!B5","v":3},{"$f":"'2. Means'!C5","v":"Income"},{"$f":"'2. Means'!D5","v":0},null,{"$f":"'2. Means'!E5","v":"Fincap P1"},{"$f":"'2. Means'!G5","v":"Which band from the grid below does your household’s total gross income from all sources fall into?\n[INCOME is any money from work, including a second job or occasional work, and any other sources, such as benefits, pensions, savings and investments, maintenance payments and rent from property or subletting.]\nGROSS means the amount you receive before any deductions, income tax, National Insurance etc. \nCHOOSE ONE ONLY\n Per Week Per Month Per Year\n1. Up to £86 Up to £374 Under £4,500\n2. £87 - £124 £375 - £541 £4,500 - £6,499\n3.  £125 - £143 £542 - £624 £6,500 - £7,499\n4.  £144 - £182 £625 - £791 £7,500 - £9,499\n5. £183 - £220 £792 - £957 £9,500 - £11,499\n6. £221 - £259 £958 - £1,124 £11,500 - £13,499\n7.  £260 - £297 £1,125 - £1,291 £13,500 - £15,499\n8.  £298 - £336 £1,292 - £1,457 £15,500 - £17,499\n9.  £337 - £384 £1,458 - £1,666 £17,500 - £19,999\n10.  £385 - £480 £1,667 - £2,082 £20,000 - £24,999\n11. £481 - £576 £2,083 - £2,499 £25,000 - £29,999\n12. £577 - £672 £2,500 - £2,916 £30,000 - £34,999\n13. £673 - £768 £2,917 - £3,332 £35,000 - £39,999\n14. £769 - £961 £3,333 - £4,166 £40,000 - £49,999\n15 £962 - £1,441 £4,167 - £6,249 £50,000 - £74,999\n16.  £1,442 - £1,922 £6,250 - £8,332 £75,000 - £99,999\n17. £1,923+ £8,333+ £100,000+\n18. Don’t know\n19. Prefer not to say "},{"$f":"'2. Means'!K5","v":"The text shown in [green text] is optional and need only be asked if questions about sources of income have not been asked.\n\nUsers can alternatively ask for a precise figure or specify by week, month or year, depending on the nature and needs of the client."},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D40))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D40))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D40))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E40))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F40))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G40))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H40))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I40))),\"\")","v":""}]
[false,"Out","Means",{"$f":"'2. Means'!B6","v":4},{"$f":"'2. Means'!C6","v":"Income"},{"$f":"'2. Means'!D6","v":0},null,{"$f":"'2. Means'!E6","v":"X"},{"$f":"'2. Means'!G6","v":"POST\nBy how much has your income increased since [REFERENCE POINT]?\n1. ENTER AMOUNT IN £\n2. Stayed the same\n3. Has fallen\n4. Don't know\n5. Prefer not to say"},{"$f":"'2. Means'!K6","v":"Suitable for use post-intervention only. Practitioners should replace [REFERENCE POINT] with something appropriate to their intervention (such as 'since the workshop' or 'since you last saw us')"},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D41))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D41))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D41))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E41))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F41))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G41))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H41))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I41))),\"\")","v":""}]
[false,"Out","Means",{"$f":"'2. Means'!B7","v":5},{"$f":"'2. Means'!C7","v":"Income"},{"$f":"'2. Means'!D7","v":0},null,{"$f":"'2. Means'!E7","v":"Fincap P3"},{"$f":"'2. Means'!G7","v":"Which one of these best applies to you personally?\n1. Pay income tax at a basic rate\n2. Pay income tax at a higher rate\n3. Do not pay income tax\n4. Don’t know\n5. Prefer not to say"},{"$f":"'2. Means'!K7","v":0},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D42))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D42))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D42))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E42))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F42))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G42))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H42))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I42))),\"\")","v":""}]
[false,"Out","Means",{"$f":"'2. Means'!B8","v":6},{"$f":"'2. Means'!C8","v":"Savings"},{"$f":"'2. Means'!D8","v":0},null,{"$f":"'2. Means'!E8","v":"Fincap G5"},{"$f":"'2. Means'!G8","v":"A) Approximately how much, if anything, do you personally have in savings and investments? Please do not include any money that you have saved in a pension. \n1. ENTER EXACT AMOUNT\n2. I do not have any savings and investments\n3. Don’t know \n4. Prefer not to say \n\nB) Could you estimate the total within the following bands?\nCHOOSE ONE ONLY\n1. £100 or less\n2. £101 - £500\n3. £501 - £1,000\n4. £1,001 - £9,999\n5. £10,000 - £19,999\n6. £20,000 or more\n7. Don’t know\n8. Prefer not to say "},{"$f":"'2. Means'!K8","v":"B will not be necessary if client has been able to answer 1 or 2 at A\n\nUsers can alternatively go straight to the banded answers, depending on the nature and needs of the client."},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D43))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D43))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D43))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E43))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F43))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G43))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H43))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I43))),\"\")","v":""}]
[false,"Out","Means",{"$f":"'2. Means'!B9","v":7},{"$f":"'2. Means'!C9","v":"Savings"},{"$f":"'2. Means'!D9","v":0},null,{"$f":"'2. Means'!E9","v":"PDL Qsav"},{"$f":"'2. Means'!G9","v":"Please can you tell me whether you currently have money saved in any of the following types of savings accounts and investments, including any joint accounts? CHOOSE ALL THAT APPLY\n1. A savings or deposit account with a bank or building society\n2. An account with a Credit Union\n3. Cash ISA\n4. Premium bonds\n5. Stocks and shares\n6. Other savings products\n7. Other investment product (not including pension)\n8. None of these (SINGLE CODE ONLY)\n9. Don't know (SINGLE CODE ONLY)\n10. Prefer not to say (SINGLE CODE ONLY)"},{"$f":"'2. Means'!K9","v":0},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D44))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D44))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D44))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E44))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F44))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G44))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H44))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I44))),\"\")","v":""}]
[false,"Out","Means",{"$f":"'2. Means'!B10","v":8},{"$f":"'2. Means'!C10","v":"Other assets"},{"$f":"'2. Means'!D10","v":0},null,{"$f":"'2. Means'!E10","v":"ELSA IAPROP and SEG N6"},{"$f":"'2. Means'!G10","v":"A) Which, if any, of these assets do you have, not including your own home? Please include any in your sole name or jointly owned with someone else\nCHOOSE ALL THAT APPLY. \n1. Houses, flats or holiday homes, including timeshares (not including this home) \n2. Farm or Business Property (such as a shop, warehouse or garage) \n3. Other land \n4. Cars, motorbikes, boats and other motor vehicles\n5. Money owed to you by others \n6. Money held in a trust \n7. Art, antiques, collectables, jewellery, and other valuables\n8. Other assets\n9. None of these (SINGLE CODE ONLY)\n10. Don't know (SINGLE CODE ONLY)\n11. Prefer not to say (SINGLE CODE ONLY)\n\nB) How much, in total, do you think they are currently worth? We only need your best estimate if you are unsure. \nCHOOSE ONE ONLY\n1. Less than £30,000 \n2. £30,000 to £39,999\n3. £40,000 to £49,999\n4. £50,000 to £74,999\n5. £75,000 to £99,999\n6. £100,000 to £149,999\n7. £150,000 to £199,999\n8. £200,000 to £249,999\n9. £250,000 to £500,000\n10. £500,000+\n11. Don't know (SINGLE CODE ONLY)\n12. Prefer not to say (SINGLE CODE ONLY)"},{"$f":"'2. Means'!K10","v":"This should be last question asked in relation to Other Assets"},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D45))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D45))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D45))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E45))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F45))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G45))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H45))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I45))),\"\")","v":""}]
[false,"Out","Means",{"$f":"'2. Means'!B11","v":9},{"$f":"'2. Means'!C11","v":"Other assets"},{"$f":"'2. Means'!D11","v":0},null,{"$f":"'2. Means'!E11","v":"WAS Ten1\nSEG F21\nWAS Hvalue"},{"$f":"'2. Means'!G11","v":"A) In which of these ways do you (and your household) occupy your home?\n1. Own it outright\n2. Buying it with the help of a mortgage or loan\n3. Pay part rent and part mortgage (shared ownership)\n4. Rent it\n5. Live here rent-free (including rent-free in relative's/friend's property; excluding\nsquatting)\n6. Squatting\n\nB) And how much in total is left to pay on your mortgage (or mortgages, if you have more than one). If you are unsure, please give your best estimate.\nCHOOSE ONE ONLY\n1. Less than £10,000\n2. £10,000 to £19,999\n3. £20,000 to £29,999\n4. £30,000 to £39,999\n5. £40,000 to £49,999\n6. £50,000 to £74,999\n7. £75,000 to £99,999\n8. £100,000\n9. to £149,999\n10. £150,000 to £199,999\n11. £200,000 to £249,999\n12. £250,000 to £299,999\n13. £300,000 to £399,999\n14. £400,000 to £499,999\n15. £500,000 or more\n16. Don't know\n17. Prefer not to say\n\nC) About how much would you expect to get (in total and not just your share) for your current home if you sold it today (before paying off any outstanding mortgage or loan on the property)?\nCHOOSE ONE ONLY\nENTER AMOUNT IN £s  If DK, then asked banded question: \n1. Less than £60,000\n2. £60,000 to £99,999\n3. £100,000 to £149.999\n4. £150,000 to £199,999\n5. £200,000 to £249,999\n6. £250,000 to £299,999\n7. £300,000 to £349,999\n8. £350,000 to £399,999\n9. £400,000 to £499,999\n10. £500,000 to £749,999\n11. £750,000 to £999,999\n12. £1 million or more "},{"$f":"'2. Means'!K11","v":"Question B should only be asked if choosing 2 or 3 at A.\n\nAt Question B, users can alternatively asked for a precise figure, depending on the nature of the client.\n\nQuestion C should only be asked if choosing 1, 2 or 3 at A\n\n"},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D46))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D46))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D46))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E46))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F46))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G46))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H46))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I46))),\"\")","v":""}]
[false,"Out","Means",{"$f":"'2. Means'!B12","v":10},{"$f":"'2. Means'!C12","v":"Access to affordable credit (??)"},{"$f":"'2. Means'!D12","v":0},null,{"$f":"'2. Means'!E12","v":"HCC 8.9"},{"$f":"'2. Means'!G12","v":"Please can you tell me which of the following you have had in the last [3 months], whether in your own name or jointly with someone else? Please include any that you are in arrears with.\n1. Credit or store card\n2. Overdraft \n3. Payday loan\n3. Loan from company that collects payments from your home (e.g. Provident, Greenwoods)\n5. Loan from a pawnbroker\n7. Loan from a Credit Union or other community finance organisation\n8. A loan from a friend or relative.\n9. Loan from the Social Fund\n10. Loan from an unlicensed lender who charges interest, sometimes called a loan shark\n11. Any other type of loan from a bank, building society or finance company e.g. Norton Finance, Blackhorse car finance\n11) Something else\n12) Don't know\n13) Prefer not to say"},{"$f":"'2. Means'!K12","v":"Practitioners can amend the 3 months shown to a reference period which is in keeping with their intervention and following period."},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D47))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D47))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D47))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E47))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F47))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G47))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H47))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I47))),\"\")","v":""}]
[false,"Out","Pressure",{"$f":"'3. Pressure'!B3","v":1},{"$f":"'3. Pressure'!C3","v":"Committed expenditure"},{"$f":"'3. Pressure'!D3","v":"Debt/credit repayments"},{"$f":"'3. Pressure'!E3","v":0},{"$f":"'3. Pressure'!F3","v":"SILC 419\nSEG L1"},{"$f":"'3. Pressure'!H3","v":"A) Apart from any mortgages, do you currently have to repay any credit card, overdraft, hire purchase or other loans or advances? Please include any held in your own name or jointly with someone else.\n1. Yes \n2. No \n3. Don’t know\n\nB) Thinking about the loans and credit commitments held in your own name or jointly with someone else, how much in total do you currently owe on these? We only need your best estimate if you are unsure\nCHOOSE ONE ONLY\n1. Less than £500 \n2. £500 to £999 \n3. £1,000 to £2,499 \n4. £2,500 to £4,999 \n5. £5,000 to £9,999 \n6. £10,000 to £24,999 \n7. £25,000 to £49,999 \n8. £50,000 to £99,999 \n9. £100,000 to £249,999 \n10. £250,000 or more\n11. Don’t know\n12. Prefer not to say"},{"$f":"'3. Pressure'!L3","v":"B should only be asked if choosing 1 at A"},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D48))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D48))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D48))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E48))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F48))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G48))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H48))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I48))),\"\")","v":""}]
[false,"Out","Pressure",{"$f":"'3. Pressure'!B4","v":2},{"$f":"'3. Pressure'!C4","v":"Committed expenditure"},{"$f":"'3. Pressure'!D4","v":"Additional outgoings"},{"$f":"'3. Pressure'!E4","v":0},{"$f":"'3. Pressure'!F4","v":"Fincap K2"},{"$f":"'3. Pressure'!H4","v":"Do you (and your partner if you have one) regularly spend more than £200 a month on any of the following items? \nCHOOSE ALL THAT APPLY \n1. Travel to work\n2. Rent paid because you work away from home and cannot claim it back\n3. Child care\n4. School fees\n5. Care for someone else (including nursing home)\n6. Financial support to a partner, child or other family member who does not live with you\n7. None of these (SINGLE CODE ONLY)\n8. Don’t know (SINGLE CODE ONLY)\n9. Prefer not to say (SINGLE CODE ONLY)"},{"$f":"'3. Pressure'!L4","v":0},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D49))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D49))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D49))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E49))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F49))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G49))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H49))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I49))),\"\")","v":""}]
[false,"Out","Pressure",{"$f":"'3. Pressure'!B5","v":3},{"$f":"'3. Pressure'!C5","v":"Committed expenditure"},{"$f":"'3. Pressure'!D5","v":"Additional outgoings"},{"$f":"'3. Pressure'!E5","v":0},{"$f":"'3. Pressure'!F5","v":"Fincap K2"},{"$f":"'3. Pressure'!H5","v":"Do you (and your partner if you have one) regularly spend more than you can afford on any of the following items? \nPLEASE SELECT ALL THAT APPLY \n1. Travel to work\n2. Rent paid because you work away from home and cannot claim it back\n3. Child care\n4. School fees\n5. Care for someone else (including nursing home)\n6. Financial support to a partner, child or other family member who does not live with you\n7. Paying off credit or store cards \n8. Paying for goods bought on hire purchase or mail order\n8. None of these (SINGLE CODE ONLY)"},{"$f":"'3. Pressure'!L5","v":0},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D50))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D50))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D50))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E50))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F50))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G50))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H50))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I50))),\"\")","v":""}]
[false,"Out","Pressure",{"$f":"'3. Pressure'!B6","v":4},{"$f":"'3. Pressure'!C6","v":"Committed expenditure"},{"$f":"'3. Pressure'!D6","v":"Dependent children"},{"$f":"'3. Pressure'!E6","v":0},{"$f":"'3. Pressure'!F6","v":"WB C12b"},{"$f":"'3. Pressure'!H6","v":"How many children depend on you financially?"},{"$f":"'3. Pressure'!L6","v":0},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D51))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D51))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D51))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E51))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F51))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G51))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H51))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I51))),\"\")","v":""}]
[false,"Out","Connection",{"$f":"'5.  Connection'!B3","v":1},{"$f":"'5.  Connection'!C3","v":"Ease & Accessibility "},{"$f":"'5.  Connection'!D3","v":"Exposure and access to appropriate financial advice, guidance and tools and appropriate financial products and channels"},{"$f":"'5.  Connection'!E3","v":"People have the physical ability to access financial advice, guidance and tools which meet their needs in a form and language they can understand, and channel they can use effectively"},{"$f":"'5.  Connection'!F3","v":"ELSA SC5 and SEG C6"},{"$f":"'5.  Connection'!H3","v":"How easy or difficult is it for you to do each of the following things?\nCHOOSE ONE ONLY FOR EACH\n-Get to a Citizens Advice Bureau or other advice agency using your normal forms of transport\n-Get to a Jobcentre Plus or local benefit office using your normal forms of transport\n-Use a telephone in private to discuss financial matters\n-Receive confidential financial information by post\n\n1.Very easy\n2.Quite easy\n3.Quite difficult\n4.Very difficult\n5.Unable to go\n6.Do not wish to go"},{"$f":"'5.  Connection'!L3","v":"Practitioners can optionally insert additional locations relevant to their intervention at the bottom of the list. Locations need to be relevant, clearly stated and as succinct as possible."},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D52))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D52))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D52))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E52))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F52))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G52))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H52))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I52))),\"\")","v":""}]
[false,"Out","Connection",{"$f":"'5.  Connection'!B4","v":2},{"$f":"'5.  Connection'!C4","v":"Ease & Accessibility "},{"$f":"'5.  Connection'!D4","v":"Exposure and access to appropriate financial advice, guidance and tools and appropriate financial products and channels"},{"$f":"'5.  Connection'!E4","v":"People have the physical ability to access appropriate financial products which meet their needs via appropriate channels"},{"$f":"'5.  Connection'!F4","v":"ELSA SC5 and SEG C6"},{"$f":"'5.  Connection'!H4","v":"How easy or difficult is it for you to do each of the folllowing things?\nCHOOSE ONE ONLY FOR EACH\n- Get to a Post Office using your normal forms of transport\n- Get to a Cash point using your normal forms of transport\n- Get to a Bank, building society or credit union using your normal forms of transport\n- Receive confidential financial documents by post, such as a payment card or chequebook\n\n1.Very easy\n2.Quite easy\n3.Quite difficult\n4.Very difficult\n5.Unable to go\n6.Do not wish to go"},{"$f":"'5.  Connection'!L4","v":"Practitioners can optionally insert additional locations relevant to their intervention at the bottom of the list. Locations need to be relevant, clearly stated and as succinct as possible.\n\nCould also apply to \"Physical ability to access advice\""},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D53))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D53))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D53))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E53))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F53))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G53))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H53))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I53))),\"\")","v":""}]
[false,"Out","Connection",{"$f":"'5.  Connection'!B5","v":3},{"$f":"'5.  Connection'!C5","v":"Ease & Accessibility "},{"$f":"'5.  Connection'!D5","v":"Exposure and access to appropriate financial advice, guidance and tools and appropriate financial products and channels"},{"$f":"'5.  Connection'!E5","v":"People have the physical ability to access appropriate financial products which meet their needs via appropriate channels "},{"$f":"'5.  Connection'!F5","v":"FRS Showcard N1"},{"$f":"'5.  Connection'!H5","v":"Which of the following types of everyday accounts do you have, if any, either in your own name or jointly with someone else? These might be held with a bank, building society or other provider such as a credit union or post office. \nCHOOSE ALL THAT APPLY\n1. Current account (usually offered with an overdraft facility, even if you don't want one)\n2. Basic Bank Account (normally without an overdraft facility)\n3. Post Office Card Account (for receiving your pension, benefits or tax credits) \n4. A saving deposit account (e.g. an instant access or notice account, including cash ISA)\n5. None of these"},{"$f":"'5.  Connection'!L5","v":0},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D54))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D54))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D54))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E54))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F54))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G54))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H54))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I54))),\"\")","v":""}]
[false,"Out","Connection",{"$f":"'5.  Connection'!B6","v":4},{"$f":"'5.  Connection'!C6","v":"Ease & Accessibility "},{"$f":"'5.  Connection'!D6","v":"Exposure and access to appropriate financial advice, guidance and tools and appropriate financial products and channels"},{"$f":"'5.  Connection'!E6","v":"People have the technical ability to access financial advice, guidance and tools which meet their needs in a form and language they can understand, and channel they can use effectively and to access appropriate financial products which meet their needs via appropriate channels"},{"$f":"'5.  Connection'!F6","v":"X"},{"$f":"'5.  Connection'!H6","v":"In which of the following ways, if any, can or do you use the internet when you need to access information about money or your finances?\nCHOOSE ALL THAT APPLY\n1. At home, using a computer or laptop\n2. At home, using a mobile phone, tablet or internet-enabled TV\n3. At work, college or at a friend or relative's home\n4. In a library, community centre or other public setting\n5. Somewhere else\n6. Do not use the internet"},{"$f":"'5.  Connection'!L6","v":"Practitioners can optionally insert additional locations relevant to their intervention before 'Somewhere else'. Locations need to be relevant, clearly stated and as succinct as possible."},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D55))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D55))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D55))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E55))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F55))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G55))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H55))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I55))),\"\")","v":""}]
[false,"Out","Mindset",{"$f":"'6. Mindset'!B4","v":1},{"$f":"'6. Mindset'!C4","v":"Financial attitudes and motivations"},{"$f":"'6. Mindset'!D4","v":"Attitudes to receiving money advice and guidance"},{"$f":"'6. Mindset'!E4","v":0},{"$f":"'6. Mindset'!G4","v":"x"},{"$f":"'6. Mindset'!I4","v":"How likely is that you would seek advice from an external advice organisation to deal with money worries?\nCHOOSE ONE ONLY\n1.Very likely\n2. Fairly likely\n3. Fairly unlikely\n4. Very unlikely\n5. Don’t know\n"},{"$f":"'6. Mindset'!M4","v":0},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D56))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D56))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D56))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E56))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F56))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G56))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H56))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I56))),\"\")","v":""}]
[false,"Out","Mindset",{"$f":"'6. Mindset'!B5","v":2},{"$f":"'6. Mindset'!C5","v":" Financial attitudes and motivations"},{"$f":"'6. Mindset'!D5","v":"Attitudes to receiving money advice and guidance"},{"$f":"'6. Mindset'!E5","v":0},{"$f":"'6. Mindset'!G5","v":"x"},{"$f":"'6. Mindset'!I5","v":"How much do you agree or disagree with each of the following statements?  \n\n - Seeking financial advice seems too daunting \n - I think I would make better financial decisions with the help of advice\n -  I would feel too embarrassed to seek professional advice about money problems \n - When it comes to financial advice I don't know where to start. \n -  I can sort out my own money issues, without seeking advice \n - When it comes to choosing financial products, I find there is not enough information out there that I can trust \n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know\n"},{"$f":"'6. Mindset'!M5","v":"If administering on paper/web can set this up s a grid with Agree/Disagree scale along the top"},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D57))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D57))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D57))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E57))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F57))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G57))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H57))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I57))),\"\")","v":""}]
[false,"Out","Mindset",{"$f":"'6. Mindset'!B6","v":3},{"$f":"'6. Mindset'!C6","v":" Financial attitudes and motivations"},{"$f":"'6. Mindset'!D6","v":"Attitudes to money"},{"$f":"'6. Mindset'!E6","v":"People are motivated to keep track of their finances\n\n"},{"$f":"'6. Mindset'!G6","v":"Fincap (O3C)"},{"$f":"'6. Mindset'!I6","v":"How important, if at all, do you think it is to keep track of your household’s income and expenditure \n\n1. Very important\n2. Fairly important\n3. Neither important nor unimportant\n4. Fairly unimportant\n5. Very unimportant\n6. Don’t know\n"},{"$f":"'6. Mindset'!M6","v":0},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D58))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D58))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D58))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E58))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F58))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G58))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H58))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I58))),\"\")","v":""}]
[false,"Out","Mindset",{"$f":"'6. Mindset'!B7","v":5},{"$f":"'6. Mindset'!C7","v":" Financial attitudes and motivations"},{"$f":"'6. Mindset'!D7","v":"Attitudes to money"},{"$f":"'6. Mindset'!E7","v":"Attitudes to managing money"},{"$f":"'6. Mindset'!G7","v":"Fincap (Q4c/d)"},{"$f":"'6. Mindset'!I7","v":" A) I feel under pressure to spend money on my children even when I can't afford it 0 (does not sound like me at all) to 10 (sounds a lot like me)\n\nB) I feel under pressure to have a lifestyle which I can't really afford.0 (does not sound like me at all) to 10 (sounds a lot like me)\n\n0 does not sound like me\n...\n10 sounds a lot like me\nDon't know\nNot applicable"},{"$f":"'6. Mindset'!M7","v":0},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D59))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D59))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D59))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E59))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F59))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G59))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H59))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I59))),\"\")","v":""}]
[false,"Out","Mindset",{"$f":"'6. Mindset'!B8","v":6},{"$f":"'6. Mindset'!C8","v":" Financial attitudes and motivations"},{"$f":"'6. Mindset'!D8","v":"Attitudes to money"},{"$f":"'6. Mindset'!E8","v":"Attitudes to managing money"},{"$f":"'6. Mindset'!G8","v":"Fincap (O2D)"},{"$f":"'6. Mindset'!I8","v":"To what extent do you agree or disagree with the\nstatement \n\n“I am too busy to sort out my finances at the moment\"\n \"Nothing I do will make much difference to my financial situation\"\n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know\n"},{"$f":"'6. Mindset'!M8","v":0},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D60))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D60))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D60))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E60))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F60))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G60))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H60))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I60))),\"\")","v":""}]
[false,"Out","Mindset",{"$f":"'6. Mindset'!B9","v":7},{"$f":"'6. Mindset'!C9","v":" Financial attitudes and motivations"},{"$f":"'6. Mindset'!D9","v":"Attitudes to money"},{"$f":"'6. Mindset'!E9","v":"People value making their money go further (eg. by shopping around and switching)\n\n"},{"$f":"'6. Mindset'!G9","v":"x"},{"$f":"'6. Mindset'!I9","v":"Q3\nAnd how much do you agree or disagree with each of the following statements?:\n- I prefer to stick with one company over time rather than keep changing suppliers*\n - There's no point in switching providers, it's not worth the hassle \n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know\n"},{"$f":"'6. Mindset'!M9","v":"If administering on paper/web can set this up s a grid with Agree/Disagree scale along the top"},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D61))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D61))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D61))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E61))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F61))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G61))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H61))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I61))),\"\")","v":""}]
[false,"Out","Mindset",{"$f":"'6. Mindset'!B10","v":8},{"$f":"'6. Mindset'!C10","v":" Financial attitudes and motivations"},{"$f":"'6. Mindset'!D10","v":"Attitudes to money"},{"$f":"'6. Mindset'!E10","v":"People value saving for expected and unexpected events\n\n"},{"$f":"'6. Mindset'!G10","v":"OECD (f10)/SEG (c44)/ SEG (d35)/BASE (qpla4)"},{"$f":"'6. Mindset'!I10","v":"How much do you agree or disagree with each of the following statements?  \n\n - I find it more satisfying to spend money than to save it for the long term \n- I always make sure I have some money saved to pay for emergencies or unexpected expenses*\n - If I had to choose, I would rather have a good standard of living today than save for the future.\n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know\n"},{"$f":"'6. Mindset'!M10","v":"If administering on paper/web can set this up s a grid with Agree/Disagree scale along the top"},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D62))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D62))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D62))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E62))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F62))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G62))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H62))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I62))),\"\")","v":""}]
[false,"Out","Mindset",{"$f":"'6. Mindset'!B11","v":9},{"$f":"'6. Mindset'!C11","v":" Financial attitudes and motivations"},{"$f":"'6. Mindset'!D11","v":"Attitudes to money"},{"$f":"'6. Mindset'!E11","v":"People have a cautious attitude to debt and credit \n\n"},{"$f":"'6. Mindset'!G11","v":"SEG (c44)/PDL (Q95)/IDL/Fincap (O2F)/BSA 2001 (credspnd)"},{"$f":"'6. Mindset'!I11","v":"I am now going to read you some things that other people have said about managing money. Please tell me how strongly you agree or disagree with them.\n\n\n - Spending to the maximum on all my credit cards is a way of life for me\n - I hate to borrow – I would much rather save up in advance\n - Sometimes I ignore letters and phone calls in case they are to tell me that I owe money\n  - Being in debt does not worry me\n - I would prefer to have luxuries and treats than be debt free \n- I would rather cut back than run up debts on a credit card\n - It's okay to constantly use an overdraft *\n- I prefer to buy things on credit rather than wait and save up\n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know\n"},{"$f":"'6. Mindset'!M11","v":"If administering on paper/web can set this up s a grid with Agree/Disagree scale along the top\n\nSelect responses that are relevant to the intervention"},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D63))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D63))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D63))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E63))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F63))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G63))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H63))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I63))),\"\")","v":""}]
[false,"Out","Mindset",{"$f":"'6. Mindset'!B12","v":10},{"$f":"'6. Mindset'!C12","v":" Financial attitudes and motivations"},{"$f":"'6. Mindset'!D12","v":"Attitudes to money"},{"$f":"'6. Mindset'!E12","v":"People talk openly and honestly about money with friends and family\n"},{"$f":"'6. Mindset'!G12","v":"IDL/SEG Q3"},{"$f":"'6. Mindset'!I12","v":"How much do you agree or disagree with each of the following statements?  \n\n - I would be too embarrassed to discuss my financial situation\n \n- I would talk to family and friends before making an important financial decision\n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know\n"},{"$f":"'6. Mindset'!M12","v":"If administering on paper/web can set this up s a grid with Agree/Disagree scale along the top"},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D64))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D64))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D64))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E64))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F64))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G64))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H64))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I64))),\"\")","v":""}]
[false,"Out","Mindset",{"$f":"'6. Mindset'!B13","v":11},{"$f":"'6. Mindset'!C13","v":" Financial attitudes and motivations"},{"$f":"'6. Mindset'!D13","v":"Attitudes to money"},{"$f":"'6. Mindset'!E13","v":"People talk openly and honestly about money with friends and family\n\n"},{"$f":"'6. Mindset'!G13","v":"Fincap (M1)"},{"$f":"'6. Mindset'!I13","v":"Do you discuss your household finances openly with any of the following people?\nSELECT ALL THAT APPLY \n1. Friends\n2. My partner/spouse\n3. Parents/Family\n4. My children\n5. My colleagues\n6. Members of my local community\n7. Other, please specify\n8. I prefer not to talk about my finances with any of these people (SINGLE CODE ONLY)\n9. Don’t know (SINGLE CODE ONLY)\n"},{"$f":"'6. Mindset'!M13","v":0},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D65))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D65))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D65))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E65))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F65))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G65))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H65))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I65))),\"\")","v":""}]
[false,{"$f":"IF(A68=TRUE,\"In\",\"Out\")","v":"Out"},"Mindset",{"$f":"'6. Mindset'!B14","v":12},{"$f":"'6. Mindset'!C14","v":" Financial attitudes and motivations"},{"$f":"'6. Mindset'!D14","v":"Attitudes to the future"},{"$f":"'6. Mindset'!E14","v":"People have concrete short to medium term financial goals and/or longer term aspirations\n"},{"$f":"'6. Mindset'!G14","v":"Fincap (D2)"},{"$f":"'6. Mindset'!I14","v":"A) Which, if any, of these financial goals do you have for the next five years?\nPLEASE SELECT ALL THAT APPLY \n1. Just making ends meet day to day\n2. Paying off my debts/reducing debts\n3. To buy, rent or move house\n4. Saving money for a wedding\n5. Saving money to start a family/have another child\n6. Saving money for education (for me or my children)\n7. Saving money to help grown-up children to buy/rent  a home\n8. Saving money for a holiday\n9. Saving money for retirement\n10. Saving money for home improvements\n11. Saving money to purchase a car/van/motorbike\n12. Saving money generally\n13. Other (please specify)\n14. None of these (SINGLE CODE ONLY)\n\nFOR EACH CODED ABOVE\nB) How much of a plan do you have about how you will achieve your financial goal for <ANSWER FROM ABOVE>. \nPlease answer on a scale of 0 to 10, where 0 means you don’t have a plan of what you need to do and 10 means you have a very specific plan of what you need to do.\n0 I don’t have a plan of what I need to do, I just know I want to do it\n...\n10 I have a very specific plan of what I need to do\nDon’t know"},{"$f":"'6. Mindset'!M14","v":"For B) use a visual 0 to 10 scale with the statements indicated attached the extremes."},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D66))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D66))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D66))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E66))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F66))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G66))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H66))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I66))),\"\")","v":""}]
[false,"Out","Mindset",{"$f":"'6. Mindset'!B15","v":13},{"$f":"'6. Mindset'!C15","v":" Financial attitudes and motivations"},{"$f":"'6. Mindset'!D15","v":"Attitudes to the future"},{"$f":"'6. Mindset'!E15","v":"People have concrete short to medium term financial goals and/or longer term aspirations\n"},{"$f":"'6. Mindset'!G15","v":"BASE QCstali "},{"$f":"'6. Mindset'!I15","v":"Taking all this into account, how confident are you that your household income in retirement will (continue to) give you the standard of living you hope for? \nCHOOSE ONE ONLY\n1. Very confident\n2. Fairly confident\n3. Not very confident\n4. Not at all confident\n5. Don’t know"},{"$f":"'6. Mindset'!M15","v":0},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D67))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D67))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D67))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E67))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F67))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G67))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H67))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I67))),\"\")","v":""}]
[false,"Out","Mindset",{"$f":"'6. Mindset'!B16","v":14},{"$f":"'6. Mindset'!C16","v":" Financial attitudes and motivations"},{"$f":"'6. Mindset'!D16","v":"Attitudes to the future"},{"$f":"'6. Mindset'!E16","v":"People anticipate and plan for less positive scenarios (eg. planning for care costs) \n\n"},{"$f":"'6. Mindset'!G16","v":"NI Life & Times survey 2010 (careplan/Q15)"},{"$f":"'6. Mindset'!I16","v":"Have you thought about or made any plans about how you might fund any care and support needs as you get older?\nCODES 4,5,6,7 CAN BE MULTI-CODED\n1 I've thought about it but haven t done anything specific \n2 I haven t really thought about it\n3 I don’t think there is anything I can do to plan\nfor this now/I can’t afford to make any such plans\n4 I am saving money which I could use for these kinds of needs(eg insurance, savings, pension, investment, care plan etc)\n5 I am buying/have bought a property and would be willing to use  its value to pay for care needs in the\nfuture\n6 I expect my family to help fund any such care\n7 Other (please specify)\n8 Don't know\n"},{"$f":"'6. Mindset'!M16","v":0},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D68))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D68))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D68))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E68))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F68))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G68))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H68))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I68))),\"\")","v":""}]
[false,"Out","Mindset",{"$f":"'6. Mindset'!B17","v":15},{"$f":"'6. Mindset'!C17","v":" Financial attitudes and motivations"},{"$f":"'6. Mindset'!D17","v":"Attitudes to the future"},{"$f":"'6. Mindset'!E17","v":"People anticipate and plan for less positive scenarios (eg. planning for care costs) \n\n"},{"$f":"'6. Mindset'!G17","v":"NI Life & Times survey 2010 (careplan/Q15)"},{"$f":"'6. Mindset'!I17","v":"Have you thought about or made any plans about how you might cope financially with an unexpected fall in household income due to changes to tax or benefits?\nCODES 4,5,6 CAN BE MULTI-CODED\n1 I've thought about it but haven't done anything specific \n2 I haven t really thought about it\n3 I don’t think there is anything I can do to plan\nfor this now/I can’t afford to make any such plans\n4 I am saving money which I could use for these kinds of eventuality (eg savings, investment,  etc)\n5 I would expect my family to help me out financially\n6 Other (please specify)\n7 Don't know\n"},{"$f":"'6. Mindset'!M17","v":0},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D69))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D69))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D69))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E69))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F69))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G69))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H69))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I69))),\"\")","v":""}]
[false,"Out","Mindset",{"$f":"'6. Mindset'!B18","v":16},{"$f":"'6. Mindset'!C18","v":" Financial attitudes and motivations"},{"$f":"'6. Mindset'!D18","v":"Attitudes to the future"},{"$f":"'6. Mindset'!E18","v":"People anticipate and plan for less positive scenarios (eg. planning for care costs) \n\n"},{"$f":"'6. Mindset'!G18","v":"NI Life & Times survey 2010 (careplan/Q15)"},{"$f":"'6. Mindset'!I18","v":"Have you thought about or made any plans about how you might cope financially with an unexpected fall in household income for example due to redundancy or ill-health?\nCODES 4,5,6 CAN BE MULTI-CODED\n1 I've thought about it but haven't done anything specific \n2 I haven t really thought about it\n3 I don’t think there is anything I can do to plan\nfor this now/I can’t afford to make any such plans\n4 I am saving money which I could use for these kinds of needs(eg savings, investment,  etc)\n5 I have an income-protection insurance policy to cover these tyopes of eventuality\n6 I would expect my family to help me out financially\n7 Other (please specify)\n8 Don't know\n"},{"$f":"'6. Mindset'!M18","v":0},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D70))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D70))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D70))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E70))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F70))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G70))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H70))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I70))),\"\")","v":""}]
[false,"Out","Mindset",{"$f":"'6. Mindset'!B19","v":17},{"$f":"'6. Mindset'!C19","v":" Financial attitudes and motivations"},{"$f":"'6. Mindset'!D19","v":"Attitudes to the future"},{"$f":"'6. Mindset'!E19","v":"People anticipate and plan for less positive scenarios (eg. planning for care costs) \n\n"},{"$f":"'6. Mindset'!G19","v":"NI Life & Times survey 2010 (careplan/Q15)"},{"$f":"'6. Mindset'!I19","v":"Have you thought about or made any plans about how you might cope financially with extra mortgage costs associated with an interest rate rise?\nCODES 4,5,6,7 CAN BE MULTI-CODED\n1 I've thought about it but haven t done anything specific \n2 I haven t really thought about it\n3 I don’t think there is anything I can do to plan\nfor this now/I can’t afford to make any such plans\n4 I am saving money which I could use for these kinds of needs(eg insurance, savings, investment,  etc)\n5 I am considering switching to a different mortgage product \n6 I would expect my family to help me out financially\n7 Other (please specify)\n8 Don't know\n"},{"$f":"'6. Mindset'!M19","v":"For those with a mortgage only"},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D71))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D71))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D71))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E71))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F71))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G71))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H71))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I71))),\"\")","v":""}]
[false,"Out","Mindset",{"$f":"'6. Mindset'!B20","v":18},{"$f":"'6. Mindset'!C20","v":" Financial attitudes and motivations"},{"$f":"'6. Mindset'!D20","v":"Attitudes to financial institutions"},{"$f":"'6. Mindset'!E20","v":"People trust financial institutions (such as banks and credit unions) to provide them with appropriate products, services and advice\n\n\n"},{"$f":"'6. Mindset'!G20","v":"x"},{"$f":"'6. Mindset'!I20","v":" How much do you agree or disagree with each of the following statements?  \n\n - There is no point taking out insurance as they rarely pay out when something goes wrong \n - I  trust pension providers to act in my best interests \n - I trust pension providers to make the most of money that people pay in\n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know"},{"$f":"'6. Mindset'!M20","v":"If administering on paper/web can set this up s a grid with Agree/Disagree scale along the top"},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D72))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D72))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D72))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E72))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F72))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G72))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H72))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I72))),\"\")","v":""}]
[false,"Out","Mindset",{"$f":"'6. Mindset'!B22","v":19},{"$f":"'6. Mindset'!C22","v":"General attitudes and motivations (applied to money)"},{"$f":"'6. Mindset'!D22","v":"Self-confidence"},{"$f":"'6. Mindset'!E22","v":"People have confidence in their approach to budgetting \n\n"},{"$f":"'6. Mindset'!G22","v":"Fincap (I8)"},{"$f":"'6. Mindset'!I22","v":"Thinking overall about your (and your partner/spouse’s) approach to keeping track of income and expenditure, how well do you think this approach works?\n\nPlease answer on a scale of 0 to 10, where 0 means not at all well and 10 means very well\n\n0…10 scale\nDon't know"},{"$f":"'6. Mindset'!M22","v":"Use a visual 0 to 10 scale with the statements indicated attached the extremes."},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D73))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D73))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D73))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E73))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F73))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G73))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H73))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I73))),\"\")","v":""}]
[false,"Out","Mindset",{"$f":"'6. Mindset'!B23","v":20},{"$f":"'6. Mindset'!C23","v":"General attitudes and motivations (applied to money)"},{"$f":"'6. Mindset'!D23","v":"Self-confidence"},{"$f":"'6. Mindset'!E23","v":"People feel in control of their financial situation\n"},{"$f":"'6. Mindset'!G23","v":"Fincap (O2C)"},{"$f":"'6. Mindset'!I23","v":"How much do you agree or disagree with each of the following statements?  \n \n- I am very organised when it comes to managing my money day to day\n - I feel in control of my finances*\n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know\n \n"},{"$f":"'6. Mindset'!M23","v":"If administering on paper/web can set this up s a grid with Agree/Disagree scale along the top"},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D74))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D74))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D74))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E74))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F74))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G74))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H74))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I74))),\"\")","v":""}]
[null,"Out","Mindset",{"$f":"'6. Mindset'!B24","v":21},{"$f":"'6. Mindset'!C24","v":"General attitudes and motivations (applied to money)"},{"$f":"'6. Mindset'!D24","v":"Self-confidence"},{"$f":"'6. Mindset'!E24","v":"People have the confidence to question or challenge financial advice they are given \n\n"},{"$f":"'6. Mindset'!G24","v":"SEG (B1)"},{"$f":"'6. Mindset'!I24","v":"How much do you agree or disagree with the following statement?  \n \n- When dealing with companies or making purchases, I would consider myself to be a confident and savvy customer\n \n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know\n"},{"$f":"'6. Mindset'!M24","v":0},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D75))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D75))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D75))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E75))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F75))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G75))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H75))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I75))),\"\")","v":""}]
[false,"Out","Mindset",{"$f":"'6. Mindset'!B25","v":22},{"$f":"'6. Mindset'!C25","v":"General attitudes and motivations (applied to money)"},{"$f":"'6. Mindset'!D25","v":"Self-confidence"},{"$f":"'6. Mindset'!E25","v":"People have the confidence to question or challenge financial advice they are given\n"},{"$f":"'6. Mindset'!G25","v":"x"},{"$f":"'6. Mindset'!I25","v":"How confident would you feel  talking to people who can give you advice about money\n\n1.Very confident \n2. Fairly confident \n3. Not very confident \n4. Not at all confident\n5. Don't know\n"},{"$f":"'6. Mindset'!M25","v":0},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D76))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D76))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D76))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E76))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F76))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G76))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H76))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I76))),\"\")","v":""}]
[false,"Out","Mindset",{"$f":"'6. Mindset'!B26","v":23},{"$f":"'6. Mindset'!C26","v":"General attitudes and motivations (applied to money)"},{"$f":"'6. Mindset'!D26","v":"Self-confidence"},{"$f":"'6. Mindset'!E26","v":"People have the confidence to question or challenge their creditors\n"},{"$f":"'6. Mindset'!G26","v":"x"},{"$f":"'6. Mindset'!I26","v":"A) - If you owed money, how confident would you feel negotiating with creditors or organisations you owe money to\n\n\n1.Very confident \n2. Fairly confident \n3. Not very confident \n4. Not at all confident\n5. Don't know\n"},{"$f":"'6. Mindset'!M26","v":0},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D77))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D77))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D77))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E77))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F77))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G77))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H77))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I77))),\"\")","v":""}]
[false,"Out","Mindset",{"$f":"'6. Mindset'!B27","v":24},{"$f":"'6. Mindset'!C27","v":"General attitudes and motivations (applied to money)"},{"$f":"'6. Mindset'!D27","v":"Self-confidence"},{"$f":"'6. Mindset'!E27","v":"People have the confidence to choose appropriate products/services"},{"$f":"'6. Mindset'!G27","v":"Fincap (B4)"},{"$f":"'6. Mindset'!I27","v":"How confident do you feel making decisions about financial products and services?  \n\nPlease answer on a scale of 0 to 10, where 0 is ‘not at all confident and 10 is ‘very confident\n 0…10 scale\nDon't know\n"},{"$f":"'6. Mindset'!M27","v":"Use a visual 0 to 10 scale with the statements indicated attached the extremes."},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D78))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D78))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D78))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E78))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F78))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G78))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H78))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I78))),\"\")","v":""}]
[false,"Out","Mindset",{"$f":"'6. Mindset'!B28","v":25},{"$f":"'6. Mindset'!C28","v":"General attitudes and motivations (applied to money)"},{"$f":"'6. Mindset'!D28","v":"Self-confidence"},{"$f":"'6. Mindset'!E28","v":"People have the confidence to choose an appropriate pension product"},{"$f":"'6. Mindset'!G28","v":"AtP (QA19,21,31)"},{"$f":"'6. Mindset'!I28","v":"How much do you agree or disagree with each of the following statements?  \n \n - I know enough about pensions to decide with confidence  how to save for my retirement \n - Sometimes pensions seem so complicated that I cannot really understand the best thing to do \n - Dealing with pensions scares me \n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know"},{"$f":"'6. Mindset'!M28","v":"If administering on paper/web can set this up s a grid with Agree/Disagree scale along the top"},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D79))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D79))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D79))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E79))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F79))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G79))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H79))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I79))),\"\")","v":""}]
[false,"Out","Mindset",{"$f":"'6. Mindset'!B29","v":26},{"$f":"'6. Mindset'!C29","v":"General attitudes and motivations (applied to money)"},{"$f":"'6. Mindset'!D29","v":"Self-control"},{"$f":"'6. Mindset'!E29","v":"People are able to abstain from/delay spending in order to live within their means and save for the future\n\n"},{"$f":"'6. Mindset'!G29","v":"SEG (c44)/OECD (F10)"},{"$f":"'6. Mindset'!I29","v":"How much do you agree or disagree with each of the following statements?  \n \n- I tend to buy things even when I can’t really afford them\n - I tend to live for today and let tomorrow take care of itself  \n - I find it more satisfying to spend money than to save it for the long term \n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know"},{"$f":"'6. Mindset'!M29","v":"If administering on paper/web can set this up s a grid with Agree/Disagree scale along the top"},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D80))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D80))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D80))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E80))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F80))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G80))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H80))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I80))),\"\")","v":""}]
[false,"Out","Mindset",{"$f":"'6. Mindset'!B30","v":27},{"$f":"'6. Mindset'!C30","v":"General attitudes and motivations (applied to money)"},{"$f":"'6. Mindset'!D30","v":"Adaptability"},{"$f":"'6. Mindset'!E30","v":0},{"$f":"'6. Mindset'!G30","v":"Fincap (O4B)"},{"$f":"'6. Mindset'!I30","v":" I am prepared to adjust the amount of money I spend on non-essentials if my life changes: 0 (does not sound like me at all) to 10 (sounds a lot like me)\n\n0…10 scale\nDon't know"},{"$f":"'6. Mindset'!M30","v":"Use a visual 0 to 10 scale with the statements indicated attached the extremes."},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D81))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D81))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D81))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E81))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F81))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G81))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H81))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I81))),\"\")","v":""}]
[false,"Out","Ability","Stem A",{"$f":"Ability!B9","v":"Financial knowledge and understanding"},{"$f":"Ability!C9","v":"Understanding financial concepts, products and situations"},{"$f":"Ability!D9","v":"People are able to answer basic questions around different financial products e.g. bank accounts, loan types and investments.\n\n"},null,{"$f":"Ability!E9","v":"[FLEXIBLE QUESTION = CHOOSE/ADD OPTIONS AS APPLICABLE]\nWhich of these statements best describes how knowledgeable you feel about...\n\n - Bank accounts\n - Credit cards\n - Mortgages\n - Savings accounts \n - Credit Unions\n - Investments\n - Pensions\n - Insurance\n - The different types of financial fraud\n - the different types of loans and credit' \n[OTHERS]\n\nI have a good knowledge\nI have a reasonable knowledge\nI have a basic knowledge but do not understand the details\nMy knowledge is very limited \nI know nothing about this\n"},null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D82))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D82))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D82))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E82))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F82))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G82))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H82))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I82))),\"\")","v":""}]
[false,"Out","Ability","Stem B",{"$f":"Ability!B10","v":"Financial knowledge and understanding"},{"$f":"Ability!C10","v":"Understanding financial concepts, products and situations"},{"$f":"Ability!D10","v":"People are able to answer basic questions around different financial products e.g. bank accounts, loan types and investments.\n\n"},null,{"$f":"Ability!E10","v":"[FLEXIBLE QUESTION = CHOOSE/ADD OPTIONS AS APPLICABLE]\nWhich of these statements best describes your ability in ...\n - Using a price comparison website\n - Checking the balance on your bank account\n - Creating a weekly or monthly household budget\n - Comparing different insurance products to check you are getting the best deal\n - Comparing different savings products to check you are getting the account which is best for you\n   - Comparing different loans and credit products to check you are getting the best product for you\n - Checking you are getting all benefits you are entitled to\n - Checking how much pension income you will get when you retire\n - Planning a pension that will provide you with the income in retirement that you require \n-  Checking that you are paying the correct amount of tax\n - Protecting yourself from online financial fraud\n - Accessing advice if you need help with my finances\n - Taking out a mortgage\n - Working out how to calculate your monthly mortgage payments in the event of an interest rate rise\n - Working out the total cost of a loan or credit purchase such as Brighthouse  (by \"total cost\" we mean the amount you have to pay in total including interest and charge)\n - Working out which household bills should take priority over others\n[OTHERS]\n1. I  have a clear idea about how to do this\n2. I have some idea about how to do this\n3. My knowledge is limited - I know a little bit about this but no more\n3. I  have no idea about how to do this\nDon’t know\n[Not applicable]"},null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D83))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D83))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D83))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E83))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F83))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G83))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H83))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I83))),\"\")","v":""}]
[false,"Out","Ability",{"$f":"'7. Ability'!B9","v":1},{"$f":"'7. Ability'!C9","v":"Financial knowledge and understanding"},{"$f":"'7. Ability'!D9","v":"Understanding financial concepts, products and situations"},{"$f":"'7. Ability'!E9","v":"People are able to answer basic questions around different financial products e.g. bank accounts, loan types and investments.\n\n"},{"$f":"'7. Ability'!F9","v":"x"},{"$f":"'7. Ability'!G9","v":"See STEM A Which of these statements best describes how knowledgeable you feel about…[LIST OF PRODUCTS]\n\nI have a good knowledge\nI have a reasonable knowledge\nI have a basic knowledge but do not understand the details\nMy knowledge is very limited \nI know nothing about this\n"},"This question is flexible and items can be added according to relevance to intervention.  Can be set up as a grid if used in a web/self -completion setting with products down the side, responses along the top.  Note that although we have \"don't know\" as standard on most questions, in this case it would be confusing to include this given the nature of the question.  ",null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D84))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D84))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D84))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E84))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F84))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G84))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H84))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I84))),\"\")","v":""}]
[null,"Out","Ability",{"$f":"'7. Ability'!B10","v":2},{"$f":"'7. Ability'!C10","v":"Financial knowledge and understanding"},{"$f":"'7. Ability'!D10","v":"Understanding financial concepts, products and situations"},{"$f":"'7. Ability'!E10","v":"People understand basic financial concepts and are able to answer basic questions around interest rates, loan types, investment, inflation etc.\n\n"},{"$f":"'7. Ability'!F10","v":"x"},{"$f":"'7. Ability'!G10","v":"See STEM B Which of these statements best describes your ability in … [LIST OF FINANCIAL BEHAVIOURS]\n\nI.  have a clear idea about how to do this\n2. I have some idea about how to do this\n3. My knowledge is limited - I know a little bit about this but no more\n3. I  have no idea about how to do this\nDon’t know"},{"$f":"'7. Ability'!L10","v":"This question can be used in its entirety or to select relevant items. See STEM B notes"},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D85))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D85))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D85))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E85))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F85))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G85))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H85))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I85))),\"\")","v":""}]
[false,"Out","Ability",{"$f":"'7. Ability'!B11","v":3},{"$f":"'7. Ability'!C11","v":"Financial knowledge and understanding"},{"$f":"'7. Ability'!D11","v":"Understanding financial concepts, products and situations"},{"$f":"'7. Ability'!E11","v":"People are able to answer basic questions about interest rates and savings  \n"},{"$f":"'7. Ability'!F11","v":"Fincap (N3)"},{"$f":"'7. Ability'!G11","v":"QUIZ Suppose you put £100 into a savings account with a guaranteed interest rate of 2% per year. You don’t make any further payments into this account and you don’t withdraw any money.\n\nHow much would be in the account at the end of the first year, once the interest payment is made?\n1: A. £120\n2: B. £140\n3: C. £104\n4: D. £102"},{"$f":"'7. Ability'!L11","v":"Correct answer D."},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D86))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D86))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D86))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E86))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F86))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G86))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H86))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I86))),\"\")","v":""}]
[false,"Out","Ability",{"$f":"'7. Ability'!B12","v":4},{"$f":"'7. Ability'!C12","v":"Financial knowledge and understanding"},{"$f":"'7. Ability'!D12","v":"Understanding financial concepts, products and situations"},{"$f":"'7. Ability'!E12","v":"People are able to answer basic questions about the interest rates and loans \n\n\n\n"},{"$f":"'7. Ability'!F12","v":"PDL (Q97a)"},{"$f":"'7. Ability'!G12","v":"QUIZ You have taken out a loan for £500, and the interest rate you are charged is 10 percent per month. There are no other fees. At this interest rate, how much money would you owe in total after one month?\n\nA £505\nB £550\nC £510\nD £600\n"},{"$f":"'7. Ability'!L12","v":"Correct answer B."},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D87))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D87))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D87))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E87))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F87))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G87))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H87))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I87))),\"\")","v":""}]
[false,"Out","Ability",{"$f":"'7. Ability'!B13","v":5},{"$f":"'7. Ability'!C13","v":"Financial knowledge and understanding"},{"$f":"'7. Ability'!D13","v":"Understanding financial concepts, products and situations"},{"$f":"'7. Ability'!E13","v":"People are able to answer basic questions about the interest rates and loans \n\n"},{"$f":"'7. Ability'!F13","v":"x"},{"$f":"'7. Ability'!G13","v":"See STEM B Which of these statements best describes your ability in … \n\n - Working out how to calculate your monthly mortgage payments in the event of an interest rate rise\n - Working out the total cost of a loan or credit purchase such as Brighthouse  (by \"total cost\" we mean the amount you have to pay in total including interest and charges)\n\nI.  have a clear idea about how to do this\n2. I have some idea about how to do this\n3. My knowledge is limited - I know a little bit about this but no more\n3. I  have no idea about how to do this\nDon’t know"},{"$f":"'7. Ability'!L13","v":"See STEM B notes"},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D88))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D88))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D88))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E88))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F88))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G88))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H88))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I88))),\"\")","v":""}]
[false,"Out","Ability",{"$f":"'7. Ability'!B14","v":6},{"$f":"'7. Ability'!C14","v":"Financial knowledge and understanding"},{"$f":"'7. Ability'!D14","v":"Understanding financial concepts, products and situations"},{"$f":"'7. Ability'!E14","v":"People understand basic financial concepts and are able to answer basic questions around interest rates and inflation \n"},{"$f":"'7. Ability'!F14","v":"Fincap (N2)"},{"$f":"'7. Ability'!G14","v":"QUIZ If the inflation rate is 5% and the interest rate you get on your savings is 3%, will your savings have more, less or the same amount of buying power in a year’s time?\n1. More\n2. The same\n3. Less\n4. Don’t know"},{"$f":"'7. Ability'!L14","v":"Correct answer \"Less\"."},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D89))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D89))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D89))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E89))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F89))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G89))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H89))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I89))),\"\")","v":""}]
[false,"Out","Ability",{"$f":"'7. Ability'!B15","v":7},{"$f":"'7. Ability'!C15","v":"Financial knowledge and understanding"},{"$f":"'7. Ability'!D15","v":"Understanding financial concepts, products and situations"},{"$f":"'7. Ability'!E15","v":"People understand basic financial concepts and are able to answer basic questions around inflation\n"},{"$f":"'7. Ability'!F15","v":"OECD (QK7)"},{"$f":"'7. Ability'!G15","v":"QUIZI would like to know whether you think the following statements are true or false.....\n\n - An investment with a high return is likely to be low risk*\n - High inflation means that the cost of living is increasing rapidly  \n - It is usually possible to reduce the risk of investing in the stock market by buying a wide range of stocks and shares \n - It will cost you more to borrow on money on a loan with a low APR than a loan with a high APR* \n\nTrue\nFalse\nDon't know"},{"$f":"'7. Ability'!L15","v":"Correct answers: False, True, True, False."},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D90))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D90))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D90))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E90))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F90))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G90))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H90))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I90))),\"\")","v":""}]
[false,"Out","Ability",{"$f":"'7. Ability'!B16","v":8},{"$f":"'7. Ability'!C16","v":"Financial knowledge and understanding"},{"$f":"'7. Ability'!D16","v":"Understanding financial concepts, products and situations"},{"$f":"'7. Ability'!E16","v":"People understand basic financial concepts and are able to answer basic questions around investment\n\n"},{"$f":"'7. Ability'!F16","v":"OECD (QK7)"},{"$f":"'7. Ability'!G16","v":"QUIZ I would like to know whether you think the following statements are true or false.....\n\n - An investment with a high return is likely to be low risk* \n - High inflation means that the cost of living is increasing rapidly \n - It is usually possible to reduce the risk of investing in the stock market by buying a wide range of stocks and shares. \n - It will cost you more to borrow on money on a loan with a low APR than a loan with a high APR*\n\nTrue\nFalse\nDon't know"},{"$f":"'7. Ability'!L16","v":"Correct answers: False, True, True, False."},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D91))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D91))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D91))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E91))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F91))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G91))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H91))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I91))),\"\")","v":""}]
[false,"Out","Ability",{"$f":"'7. Ability'!B17","v":9},{"$f":"'7. Ability'!C17","v":"Financial knowledge and understanding"},{"$f":"'7. Ability'!D17","v":"Understanding financial concepts, products and situations"},{"$f":"'7. Ability'!E17","v":"People understand basic financial concepts and are able to answer basic questions around loan types\n"},{"$f":"'7. Ability'!F17","v":"OECD (QK7)"},{"$f":"'7. Ability'!G17","v":"QUIZ I would like to know whether you think the following statements are true or false.....\n\n - An investment with a high return is likely to be low risk *\n - High inflation means that the cost of living is increasing rapidly \n - It is usually possible to reduce the risk of investing in the stock market by buying a wide range of stocks and shares. \n - For a six month loan, it will cost you more to borrow money on a loan with a low APR than a loan with a high APR*\n\nTrue\nFalse\nDon't know"},{"$f":"'7. Ability'!L17","v":"Correct answers: False, True, True, False."},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D92))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D92))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D92))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E92))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F92))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G92))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H92))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I92))),\"\")","v":""}]
[false,"Out","Ability",{"$f":"'7. Ability'!B18","v":10},{"$f":"'7. Ability'!C18","v":"Financial knowledge and understanding"},{"$f":"'7. Ability'!D18","v":"Understanding financial concepts, products and situations"},{"$f":"'7. Ability'!E18","v":"People understand basic financial concepts and are able to answer basic questions around loan types\n"},{"$f":"'7. Ability'!F18","v":"x"},{"$f":"'7. Ability'!G18","v":"See STEM A Which of these statements best describes how knowledgeable you feel about…\n\n  - the different types of loans and credit\n\nI have a good knowledge\nI have a reasonable knowledge\nI have a basic knowledge but do not understand the details\nMy knowledge is very limited \nI know nothing about this\n"},{"$f":"'7. Ability'!L18","v":0},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D93))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D93))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D93))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E93))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F93))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G93))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H93))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I93))),\"\")","v":""}]
[false,"Out","Ability",{"$f":"'7. Ability'!B19","v":11},{"$f":"'7. Ability'!C19","v":"Financial knowledge and understanding"},{"$f":"'7. Ability'!D19","v":"Understanding financial concepts, products and situations"},{"$f":"'7. Ability'!E19","v":"People understand basic financial concepts and are able to answer basic questions around loan types\n"},{"$f":"'7. Ability'!F19","v":"x"},{"$f":"'7. Ability'!G19","v":"See STEM B Which of these statements best describes your ability in … \n - Comparing different loans and credit products to check you are getting the best product for you\n\nI.  have a clear idea about how to do this\n2. I have some idea about how to do this\n3. My knowledge is limited - I know a little bit about this but no more\n3. I  have no idea about how to do this\nDon’t know"},{"$f":"'7. Ability'!L19","v":"See STEM B notes"},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D94))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D94))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D94))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E94))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F94))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G94))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H94))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I94))),\"\")","v":""}]
[false,"Out","Ability",{"$f":"'7. Ability'!B20","v":12},{"$f":"'7. Ability'!C20","v":"Financial knowledge and understanding"},{"$f":"'7. Ability'!D20","v":"Understanding financial concepts, products and situations"},{"$f":"'7. Ability'!E20","v":"People are able to check their bank balance"},{"$f":"'7. Ability'!F20","v":"x"},{"$f":"'7. Ability'!G20","v":"See STEM B Which of these statements best describes your ability in … \n  - Checking the balance on your bank account\n\nI.  have a clear idea about how to do this\n2. I have some idea about how to do this\n3. My knowledge is limited - I know a little bit about this but no more\n3. I  have no idea about how to do this\nDon’t know"},{"$f":"'7. Ability'!L20","v":"See STEM B notes"},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D95))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D95))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D95))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E95))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F95))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G95))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H95))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I95))),\"\")","v":""}]
[false,"Out","Ability",{"$f":"'7. Ability'!B21","v":13},{"$f":"'7. Ability'!C21","v":"Financial knowledge and understanding"},{"$f":"'7. Ability'!D21","v":"Understanding financial concepts, products and situations"},{"$f":"'7. Ability'!E21","v":"People understand different insurance products and can assess which options are right for them\n"},{"$f":"'7. Ability'!F21","v":"x"},{"$f":"'7. Ability'!G21","v":"See STEM B Which of these statements best describes your ability in … \n -  Comparing different insurance products to check you are getting the one that is best for you\n\n I.  have a clear idea about how to do this\n2. I have some idea about how to do this\n3. My knowledge is limited - I know a little bit about this but no more\n3. I  have no idea about how to do this\nDon’t know"},{"$f":"'7. Ability'!L21","v":"See STEM B notes"},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D96))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D96))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D96))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E96))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F96))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G96))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H96))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I96))),\"\")","v":""}]
[false,"Out","Ability",{"$f":"'7. Ability'!B22","v":14},{"$f":"'7. Ability'!C22","v":"Financial knowledge and understanding"},{"$f":"'7. Ability'!D22","v":"Understanding financial concepts, products and situations"},{"$f":"'7. Ability'!E22","v":"People understand different types of savings vehicles, and can assess which options are right for them\n"},{"$f":"'7. Ability'!F22","v":"x"},{"$f":"'7. Ability'!G22","v":"See STEM B Which of these statements best describes your ability in … \n  - Comparing different savings products to check you are getting the account which is best for you\n\n I.  have a clear idea about how to do this\n2. I have some idea about how to do this\n3. My knowledge is limited - I know a little bit about this but no more\n3. I  have no idea about how to do this\nDon’t know"},{"$f":"'7. Ability'!L22","v":"See STEM B notes"},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D97))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D97))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D97))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E97))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F97))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G97))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H97))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I97))),\"\")","v":""}]
[false,"Out","Ability",{"$f":"'7. Ability'!B23","v":15},{"$f":"'7. Ability'!C23","v":"Financial knowledge and understanding"},{"$f":"'7. Ability'!D23","v":"Understanding financial concepts, products and situations"},{"$f":"'7. Ability'!E23","v":"People understand concepts, products and options relevant to their issue, life stage or event eg, pensions\n\n"},{"$f":"'7. Ability'!F23","v":"x"},{"$f":"'7. Ability'!G23","v":"See STEM B\n- Checking how much pension income you will get when you retire\n -Making decisions about a pension that will provide you with the income in retirement that you require \n\nI.  have a clear idea about how to do this\n2. I have some idea about how to do this\n3. My knowledge is limited - I know a little bit about this but no more\n3. I  have no idea about how to do this\nDon’t know"},{"$f":"'7. Ability'!L23","v":"See STEM B notes"},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D98))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D98))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D98))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E98))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F98))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G98))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H98))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I98))),\"\")","v":""}]
[false,"Out","Ability",{"$f":"'7. Ability'!B24","v":16},{"$f":"'7. Ability'!C24","v":"Financial knowledge and understanding"},{"$f":"'7. Ability'!D24","v":"Understanding financial concepts, products and situations"},{"$f":"'7. Ability'!E24","v":"People understand concepts, products and options relevant to their issue, life stage or event eg. Mortgages"},{"$f":"'7. Ability'!F24","v":"x"},{"$f":"'7. Ability'!G24","v":"See STEM B Which of these statements best describes your ability in … \n - Applying for a mortgage\n  - [IF RELEVANT] Calculating your monthly mortgage payments in the event of an interest rate rise\n\nI.  have a clear idea about how to do this\n2. I have some idea about how to do this\n3. My knowledge is limited - I know a little bit about this but no more\n3. I  have no idea about how to do this\nDon’t know"},{"$f":"'7. Ability'!L24","v":"See STEM B notes"},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D99))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D99))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D99))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E99))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F99))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G99))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H99))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I99))),\"\")","v":""}]
[false,"Out","Ability",{"$f":"'7. Ability'!B25","v":17},{"$f":"'7. Ability'!C25","v":"Financial knowledge and understanding"},{"$f":"'7. Ability'!D25","v":"Understanding financial concepts, products and situations"},{"$f":"'7. Ability'!E25","v":"People understand concepts, products and options relevant to their issue, life stage or event eg. problem debt"},{"$f":"'7. Ability'!F25","v":"DAE (Q25)"},{"$f":"'7. Ability'!G25","v":"How well do you understand each of the following:\na) the steps you need to take to sort out  debts or arrears?. \nb) the different options available for sorting out debt problems \nc) the fees that are charged for debt solutions such as bankruptcy, Debt Relief Orders, and Debt Management Plans \nd)  the steps I should take if I am not able to pay creditors \ne) my rights if creditors try to recover  money owed to them \nf) the steps that creditors can take to recover money owed to them \n\n1. A great deal\n2. A fair amount\n3. Only a little\n4. Not at all\n5. Don't know\n\n\n"},{"$f":"'7. Ability'!L25","v":0},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D100))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D100))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D100))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E100))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F100))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G100))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H100))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I100))),\"\")","v":""}]
[false,"Out","Ability",{"$f":"'7. Ability'!B26","v":18},{"$f":"'7. Ability'!C26","v":"Financial knowledge and understanding"},{"$f":"'7. Ability'!D26","v":"Understanding financial concepts, products and situations"},{"$f":"'7. Ability'!E26","v":"People know where to go for advice, guidance and tools about their financial situation, in person, by phone and using digital resources"},{"$f":"'7. Ability'!F26","v":"Fincap (F2)"},{"$f":"'7. Ability'!G26","v":"Which, if any, of these providers of advice on your money you have ever heard of, even if you’re not very familiar with them?\n\nSELECT ALL THAT APPLY\n\n1. Money Advice Service\n2.Citizen’s Advice Bureau\n3.Money Sense\n4.Which?\n5.Money Saving Expert (Martin Lewis)\n6.Other price comparison sites (e.g. Moneysupermarket, Comparethemarket)\n7.Directgov (gov.co.uk)\n8.Alvin Hall\n9. Consumer Credit Counselling Service (CCCS)/StepChange\n10. National Debtline\n[ADD OTHER RELEVANT ORGANISATIONS/SITES]\n11. None of these\n"},{"$f":"'7. Ability'!L26","v":"NB - This question only captures awareness of providers and by prompting users there is a risk that reported awareness will not be a reliable indicator of where they would look for information unprompted. Users should consider an open-ended question to capture unprompted awareness \n\nFlexible question: can adapt list as relevant."},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D101))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D101))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D101))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E101))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F101))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G101))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H101))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I101))),\"\")","v":""}]
[false,"Out","Ability",{"$f":"'7. Ability'!B27","v":19},{"$f":"'7. Ability'!C27","v":"Financial knowledge and understanding"},{"$f":"'7. Ability'!D27","v":"Understanding financial concepts, products and situations"},{"$f":"'7. Ability'!E27","v":"People know where to go for advice, guidance and tools about their financial situation, in person, by phone and using digital resources"},{"$f":"'7. Ability'!F27","v":"x"},{"$f":"'7. Ability'!G27","v":"See STEM B Which of these statements best describes your ability in … \n - Accessing advice if you need help with your finances\n\nI.  have a clear idea about how to do this\n2. I have some idea about how to do this\n3. My knowledge is limited - I know a little bit about this but no more\n3. I  have no idea about how to do this\nDon’t know"},{"$f":"'7. Ability'!L27","v":"See STEM B notes"},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D102))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D102))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D102))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E102))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F102))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G102))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H102))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I102))),\"\")","v":""}]
[false,"Out","Ability",{"$f":"'7. Ability'!B28","v":20},{"$f":"'7. Ability'!C28","v":"Financial knowledge and understanding"},{"$f":"'7. Ability'!D28","v":"Understanding financial concepts, products and situations"},{"$f":"'7. Ability'!E28","v":"People understand the main types of financial fraud and how to protect themselves from it"},{"$f":"'7. Ability'!F28","v":"x"},{"$f":"'7. Ability'!G28","v":"See STEM A Which of these statements best describes how knowledgeable you feel about...\n - The different types of financial fraud\n\nI have a good knowledge\nI have a reasonable knowledge\nI have a basic knowledge but do not understand the details\nMy knowledge is very limited \nI know nothing about this\n\nSee STEM B Which of these statements best describes your ability in … \n - Protecting yourself from online financial fraud\n\nI.  have a clear idea about how to do this\n2. I have some idea about how to do this\n3. My knowledge is limited - I know a little bit about this but no more\n3. I  have no idea about how to do this\nDon’t know\n\n\n"},{"$f":"'7. Ability'!L28","v":"See STEM A/STEM B notes"},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D103))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D103))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D103))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E103))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F103))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G103))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H103))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I103))),\"\")","v":""}]
[false,"Out","Ability",{"$f":"'7. Ability'!B29","v":21},{"$f":"'7. Ability'!C29","v":"Financial knowledge and understanding"},{"$f":"'7. Ability'!D29","v":"Understanding own financial situation"},{"$f":"'7. Ability'!E29","v":"People understand the steps they should take to deal with problem debts and their rights"},{"$f":"'7. Ability'!F29","v":"DAE (Q25)"},{"$f":"'7. Ability'!G29","v":" How well do you understand each of the following:\na) the steps you need to take to sort out  debts or arrears?. \nb) the different options available for sorting out debt problems \nc) the fees that are charged for debt solutions such as bankruptcy, Debt Relief Orders, and Debt Management Plans \nd)  the steps I should take if I am not able to pay my creditors \ne) my rights when creditors try to recover the money owed to them \nf) the steps that creditors can take to recover money owed to them \n\nA great deal\nA fair amount\nOnly a little\nNot at all"},{"$f":"'7. Ability'!L29","v":0},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D104))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D104))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D104))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E104))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F104))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G104))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H104))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I104))),\"\")","v":""}]
[false,"Out","Ability",{"$f":"'7. Ability'!B30","v":22},{"$f":"'7. Ability'!C30","v":"Financial knowledge and understanding"},{"$f":"'7. Ability'!D30","v":"Understanding money management"},{"$f":"'7. Ability'!E30","v":"People understand the principles of budgeting and can develop a budget suited to their needs"},{"$f":"'7. Ability'!F30","v":"x"},{"$f":"'7. Ability'!G30","v":"See STEM B Which of these statements best describes your ability in … \n -   creating a weekly or monthly household budget\n\nI.  have a clear idea about how to do this\n2. I have some idea about how to do this\n3. My knowledge is limited - I know a little bit about this but no more\n3. I  have no idea about how to do this\nDon’t know"},{"$f":"'7. Ability'!L30","v":"See STEM B notes"},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D105))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D105))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D105))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E105))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F105))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G105))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H105))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I105))),\"\")","v":""}]
[false,"Out","Ability",{"$f":"'7. Ability'!B31","v":23},{"$f":"'7. Ability'!C31","v":"Financial knowledge and understanding"},{"$f":"'7. Ability'!D31","v":"Understanding money management"},{"$f":"'7. Ability'!E31","v":"People know how to make their money go further"},{"$f":"'7. Ability'!F31","v":"x"},{"$f":"'7. Ability'!G31","v":"See STEM B Which of these statements best describes your ability in … \n - using a price comparison website \n -  comparing different insurance products accounts to check you are getting the best deal\n -  comparing different savings products to check you are getting the account which is best for you\n -  checking you are getting all benefits you are entitled to;\n -  checking that you are paying the correct amount of tax\n\nI.  have a clear idea about how to do this\n2. I have some idea about how to do this\n3. My knowledge is limited - I know a little bit about this but no more\n3. I  have no idea about how to do this\nDon’t know\n"},{"$f":"'7. Ability'!L31","v":"See STEM B notes"},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D106))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D106))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D106))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E106))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F106))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G106))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H106))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I106))),\"\")","v":""}]
[false,"Out","Ability",{"$f":"'7. Ability'!B33","v":24},{"$f":"'7. Ability'!C33","v":"Basic skills"},{"$f":"'7. Ability'!D33","v":"Applied numeracy"},{"$f":"'7. Ability'!E33","v":"People can successfully apply mathematical skills to financial problems"},{"$f":"'7. Ability'!F33","v":"CDS (Q28)"},{"$f":"'7. Ability'!G33","v":"QUIZ The same TV is on sale in both shop A and B. In Shop A it is priced at £400.  In Shop B it is on sale for £500 with 10% discount.  Which one is cheaper? \n\n1:  The one sold in shop A \n2: The one sold in shop B \n3: They are both the same price \n4. Don't know"},{"$f":"'7. Ability'!L33","v":"Correct answer: Shop A"},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D107))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D107))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D107))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E107))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F107))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G107))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H107))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I107))),\"\")","v":""}]
[false,"Out","Ability",{"$f":"'7. Ability'!B34","v":25},{"$f":"'7. Ability'!C34","v":"Basic skills"},{"$f":"'7. Ability'!D34","v":"Applied numeracy"},{"$f":"'7. Ability'!E34","v":"People can successfully apply mathematical skills to financial problems"},{"$f":"'7. Ability'!F34","v":"SKILL (Bqmath)"},{"$f":"'7. Ability'!G34","v":"And how good are you at each of the following:\n\na) working with numbers when you need to in everyday life? For example working out your wages or benefits, or checking bills and statements?\n b)  writing in English when you need to in daily life? For example: writing letters or notes or filling in official forms?\nc) reading in English when you need to? For example\nreading newspapers and magazines or reading letters, paperwork or forms?\n\n1. Very good \n2. Fairly good \n3. Below average \n4. Poor \n5. No opinion. \n6, Don't Know  "},{"$f":"'7. Ability'!L34","v":0},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D108))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D108))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D108))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E108))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F108))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G108))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H108))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I108))),\"\")","v":""}]
[false,"Out","Ability",{"$f":"'7. Ability'!B35","v":26},{"$f":"'7. Ability'!C35","v":"Basic skills"},{"$f":"'7. Ability'!D35","v":"Literacy"},{"$f":"'7. Ability'!E35","v":"People have the level of literacy needed to fill in forms and write formal letters in English (or Welsh in Wales)"},{"$f":"'7. Ability'!F35","v":"SKILL (bqwrite)"},{"$f":"'7. Ability'!G35","v":"And how good are you at each of the following:\n\na) working with numbers when you need to in everyday life? For example working out your wages or benefits, or checking bills and statements?\n b)  writing in English when you need to in daily life? For example: writing letters or notes or filling in official forms?\nc) reading in English when you need to? For example\nreading newspapers and magazines or reading letters, paperwork or forms?\n\n1. Very good \n2. Fairly good \n3. Below average \n4. Poor \n5. No opinion. \n6, Don't Know  "},{"$f":"'7. Ability'!L35","v":0},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D109))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D109))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D109))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E109))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F109))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G109))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H109))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I109))),\"\")","v":""}]
[false,"Out","Ability",{"$f":"'7. Ability'!B36","v":27},{"$f":"'7. Ability'!C36","v":"Basic skills"},{"$f":"'7. Ability'!D36","v":"Literacy"},{"$f":"'7. Ability'!E36","v":"People have the level of literacy needed to read and understand information about financial products and services in English (or Welsh in Wales)"},{"$f":"'7. Ability'!F36","v":"SKILL (bqread)"},{"$f":"'7. Ability'!G36","v":"And how good are you at each of the following:\n\na) working with numbers when you need to in everyday life? For example working out your wages or benefits, or checking bills and statements?\n b)  writing in English when you need to in daily life? For example: writing letters or notes or filling in official forms?\nc) reading in English when you need to? For example reading newspapers and magazines or reading letters, paperwork or forms?\n\n1. Very good \n2. Fairly good \n3. Below average \n4. Poor \n5. No opinion. \n6, Don't Know  "},{"$f":"'7. Ability'!L36","v":0},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D110))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D110))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D110))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E110))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F110))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G110))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H110))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I110))),\"\")","v":""}]
[false,"Out","Ability",{"$f":"'7. Ability'!B37","v":28},{"$f":"'7. Ability'!C37","v":"Basic skills"},{"$f":"'7. Ability'!D37","v":"Digital literacy"},{"$f":"'7. Ability'!E37","v":"People are able to use financial/money-related online services eg. forms, tools, emails, and online banking\n"},{"$f":"'7. Ability'!F37","v":"DSK (2.3)"},{"$f":"'7. Ability'!G37","v":"A) Do you access to the internet at home or elsewhere?\nYes\nNo\nDon't know\n\nIF DO HAVE ACCESS\nB) I’d like you to think about different commercial transactions people do in their everyday lives like banking or shopping. How easy do you find it to use the internet for the following purposes? \na) Buying a product online\nb) Making travel reservations/bookings\nc) Paying bills\nd) Using your bank’s online services\ne) Comparing products and services\nf) Ordering groceries or food online\ng) Selling things online\nh) Finding the location of a house,  office, store or restaurant \n\n1. Several times a day\n2. Daily\n3. Weekly\n4. Monthly\n5. Less than monthly\n6. Never\n7. Don't know\n"},{"$f":"'7. Ability'!L37","v":0},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D111))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D111))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D111))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E111))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F111))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G111))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H111))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I111))),\"\")","v":""}]
[false,"Out","Ability",{"$f":"'7. Ability'!B38","v":29},{"$f":"'7. Ability'!C38","v":"Basic skills"},{"$f":"'7. Ability'!D38","v":"Digital literacy"},{"$f":"'7. Ability'!E38","v":"People are able to navigate online content and locate the information they need\n\n"},{"$f":"'7. Ability'!F38","v":"DSK (1.1.3a)"},{"$f":"'7. Ability'!G38","v":"How would you rate your ability to use the\nInternet?\n1. Excellent\n2. Good\n3. Fair\n4. Poor\n5. Bad\n6. Don’t know"},{"$f":"'7. Ability'!L38","v":0},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D112))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D112))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D112))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E112))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F112))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G112))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H112))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I112))),\"\")","v":""}]
[false,"Out","Ability",{"$f":"'7. Ability'!B39","v":30},{"$f":"'7. Ability'!C39","v":"Basic skills"},{"$f":"'7. Ability'!D39","v":"Digital literacy"},{"$f":"'7. Ability'!E39","v":"People are able to navigate online content and locate the information they need\n\n"},{"$f":"'7. Ability'!F39","v":"SEG (P5)"},{"$f":"'7. Ability'!G39","v":"To what extent do you agree or disagree with the following statements?\n\n- When I need information the first place I look is the internet\n - I find it easy to find what I am looking for online\n - I would rather look at information in a paper leaflet than on a company’s website\n\nStrongly Agree\nTend to Agree\nTend to disagree\nStrongly  disagree\nDon’t know\nDoes not apply to me\n "},{"$f":"'7. Ability'!L39","v":0},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D113))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D113))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D113))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E113))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F113))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G113))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H113))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I113))),\"\")","v":""}]
[false,"Out","Ability",{"$f":"'7. Ability'!B40","v":31},{"$f":"'7. Ability'!C40","v":"Basic skills"},{"$f":"'7. Ability'!D40","v":"Communication"},{"$f":"'7. Ability'!E40","v":"People are able to confidently interact with others in English (or Welsh in Wales)\n\n"},{"$f":"'7. Ability'!F40","v":"x"},{"$f":"'7. Ability'!G40","v":"Can I check, is English your first language?  Yes/No\n\n[IF NO]  So can I check would you have any difficulty speaking in English to a member of staff in a bank about choosing a financial product?\n1. Yes\n2. No\n\n\n"},{"$f":"'7. Ability'!L40","v":"Can also extend this to include reading and writing in English if not using the basic skills questions above."},null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D114))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D114))),\"\")","v":""},{"$f":"IFERROR(INDEX(E$3:E$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D114))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(F$2:F$295)-ROW(E$2)+1),ROW(E114))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$296,SMALL(IF(B$3:B$296=\"In\",ROW(G$2:G$295)-ROW(F$2)+1),ROW(F114))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$296,SMALL(IF(B$3:B$296=\"In\",ROW(H$2:H$295)-ROW(G$2)+1),ROW(G114))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$296,SMALL(IF(B$3:B$296=\"In\",ROW(I$2:I$295)-ROW(H$2)+1),ROW(H114))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$296,SMALL(IF(B$3:B$296=\"In\",ROW(J$2:J$295)-ROW(I$2)+1),ROW(I114))),\"\")","v":""}]
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{"sheet":"Output File","index":42,"n_rows":114,"n_cols":9,"rows_kept":114,"cut":false,"hidden":false,"merged":[]}
[]
[]
[null,"Question No.","Area","Higher level outcome","Lower level outcome","Indicator","Original source","Final framework question","Notes for users"]
[null,{"$f":"Questions!N3","v":1},null,{"$f":"Questions!P3","v":"Ability to live (adequately) within means"},{"$f":"Questions!Q3","v":""},{"$f":"Questions!R3","v":""},null,{"$f":"Questions!T3","v":""},{"$f":"Questions!U3","v":""}]
[null,{"$f":"Questions!N4","v":""},{"$f":"Questions!C3","v":"Financial Wellbeing"},{"$f":"Questions!P4","v":""},{"$f":"Questions!Q4","v":""},{"$f":"Questions!R4","v":""},{"$f":"Questions!S4","v":""},{"$f":"Questions!T4","v":""},{"$f":"Questions!U4","v":""}]
[null,{"$f":"Questions!N5","v":""},{"$f":"Questions!C4","v":"Financial Wellbeing"},{"$f":"Questions!P5","v":""},{"$f":"Questions!Q5","v":""},{"$f":"Questions!R5","v":""},{"$f":"Questions!S5","v":""},{"$f":"Questions!T5","v":""},{"$f":"Questions!U5","v":""}]
[null,{"$f":"Questions!N6","v":""},{"$f":"Questions!C5","v":"Financial Wellbeing"},{"$f":"Questions!P6","v":""},{"$f":"Questions!Q6","v":""},{"$f":"Questions!R6","v":""},{"$f":"Questions!S6","v":""},{"$f":"Questions!T6","v":""},{"$f":"Questions!U6","v":""}]
[null,{"$f":"Questions!N7","v":""},{"$f":"Questions!C6","v":"Financial Wellbeing"},{"$f":"Questions!P7","v":""},{"$f":"Questions!Q7","v":""},{"$f":"Questions!R7","v":""},{"$f":"Questions!S7","v":""},{"$f":"Questions!T7","v":""},{"$f":"Questions!U7","v":""}]
[null,{"$f":"Questions!N8","v":""},{"$f":"Questions!C7","v":"Financial Wellbeing"},{"$f":"Questions!P8","v":""},{"$f":"Questions!Q8","v":""},{"$f":"Questions!R8","v":""},{"$f":"Questions!S8","v":""},{"$f":"Questions!T8","v":""},{"$f":"Questions!U8","v":""}]
[null,{"$f":"Questions!N9","v":""},{"$f":"Questions!C8","v":"Financial Wellbeing"},{"$f":"Questions!P9","v":""},{"$f":"Questions!Q9","v":""},{"$f":"Questions!R9","v":""},{"$f":"Questions!S9","v":""},{"$f":"Questions!T9","v":""},{"$f":"Questions!U9","v":""}]
[null,{"$f":"Questions!N10","v":""},{"$f":"Questions!C9","v":"Financial Wellbeing"},{"$f":"Questions!P10","v":""},{"$f":"Questions!Q10","v":""},{"$f":"Questions!R10","v":""},{"$f":"Questions!S10","v":""},{"$f":"Questions!T10","v":""},{"$f":"Questions!U10","v":""}]
[null,{"$f":"Questions!N11","v":""},{"$f":"Questions!C10","v":"Financial Wellbeing"},{"$f":"Questions!P11","v":""},{"$f":"Questions!Q11","v":""},{"$f":"Questions!R11","v":""},{"$f":"Questions!S11","v":""},{"$f":"Questions!T11","v":""},{"$f":"Questions!U11","v":""}]
[null,{"$f":"Questions!N12","v":""},{"$f":"Questions!C11","v":"Financial Wellbeing"},{"$f":"Questions!P12","v":""},{"$f":"Questions!Q12","v":""},{"$f":"Questions!R12","v":""},{"$f":"Questions!S12","v":""},{"$f":"Questions!T12","v":""},{"$f":"Questions!U12","v":""}]
[null,{"$f":"Questions!N13","v":""},{"$f":"Questions!C12","v":"Financial Wellbeing"},{"$f":"Questions!P13","v":""},{"$f":"Questions!Q13","v":""},{"$f":"Questions!R13","v":""},{"$f":"Questions!S13","v":""},{"$f":"Questions!T13","v":""},{"$f":"Questions!U13","v":""}]
[null,{"$f":"Questions!N14","v":""},{"$f":"Questions!C13","v":"Financial Wellbeing"},{"$f":"Questions!P14","v":""},{"$f":"Questions!Q14","v":""},{"$f":"Questions!R14","v":""},{"$f":"Questions!S14","v":""},{"$f":"Questions!T14","v":""},{"$f":"Questions!U14","v":""}]
[null,{"$f":"Questions!N15","v":""},{"$f":"Questions!C14","v":"Financial Wellbeing"},{"$f":"Questions!P15","v":""},{"$f":"Questions!Q15","v":""},{"$f":"Questions!R15","v":""},{"$f":"Questions!S15","v":""},{"$f":"Questions!T15","v":""},{"$f":"Questions!U15","v":""}]
[null,{"$f":"Questions!N16","v":""},{"$f":"Questions!C15","v":"Behaviour"},{"$f":"Questions!P16","v":""},{"$f":"Questions!Q16","v":""},{"$f":"Questions!R16","v":""},{"$f":"Questions!S16","v":""},{"$f":"Questions!T16","v":""},{"$f":"Questions!U16","v":""}]
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[null,{"$f":"Questions!N95","v":""},{"$f":"Questions!C92","v":"Ability"},{"$f":"Questions!P95","v":""},{"$f":"Questions!Q95","v":""},{"$f":"Questions!R95","v":""},{"$f":"Questions!S95","v":""},{"$f":"Questions!T95","v":""},{"$f":"Questions!U95","v":""}]
[null,{"$f":"Questions!N96","v":""},{"$f":"Questions!C93","v":"Ability"},{"$f":"Questions!P96","v":""},{"$f":"Questions!Q96","v":""},{"$f":"Questions!R96","v":""},{"$f":"Questions!S96","v":""},{"$f":"Questions!T96","v":""},{"$f":"Questions!U96","v":""}]
[null,{"$f":"Questions!N97","v":""},{"$f":"Questions!C94","v":"Ability"},{"$f":"Questions!P97","v":""},{"$f":"Questions!Q97","v":""},{"$f":"Questions!R97","v":""},{"$f":"Questions!S97","v":""},{"$f":"Questions!T97","v":""},{"$f":"Questions!U97","v":""}]
[null,{"$f":"Questions!N98","v":""},{"$f":"Questions!C95","v":"Ability"},{"$f":"Questions!P98","v":""},{"$f":"Questions!Q98","v":""},{"$f":"Questions!R98","v":""},{"$f":"Questions!S98","v":""},{"$f":"Questions!T98","v":""},{"$f":"Questions!U98","v":""}]
[null,{"$f":"Questions!N99","v":""},{"$f":"Questions!C96","v":"Ability"},{"$f":"Questions!P99","v":""},{"$f":"Questions!Q99","v":""},{"$f":"Questions!R99","v":""},{"$f":"Questions!S99","v":""},{"$f":"Questions!T99","v":""},{"$f":"Questions!U99","v":""}]
[null,{"$f":"Questions!N100","v":""},{"$f":"Questions!C97","v":"Ability"},{"$f":"Questions!P100","v":""},{"$f":"Questions!Q100","v":""},{"$f":"Questions!R100","v":""},{"$f":"Questions!S100","v":""},{"$f":"Questions!T100","v":""},{"$f":"Questions!U100","v":""}]
[null,{"$f":"Questions!N101","v":""},{"$f":"Questions!C98","v":"Ability"},{"$f":"Questions!P101","v":""},{"$f":"Questions!Q101","v":""},{"$f":"Questions!R101","v":""},{"$f":"Questions!S101","v":""},{"$f":"Questions!T101","v":""},{"$f":"Questions!U101","v":""}]
[null,{"$f":"Questions!N102","v":""},{"$f":"Questions!C99","v":"Ability"},{"$f":"Questions!P102","v":""},{"$f":"Questions!Q102","v":""},{"$f":"Questions!R102","v":""},{"$f":"Questions!S102","v":""},{"$f":"Questions!T102","v":""},{"$f":"Questions!U102","v":""}]
[null,{"$f":"Questions!N103","v":""},{"$f":"Questions!C100","v":"Ability"},{"$f":"Questions!P103","v":""},{"$f":"Questions!Q103","v":""},{"$f":"Questions!R103","v":""},{"$f":"Questions!S103","v":""},{"$f":"Questions!T103","v":""},{"$f":"Questions!U103","v":""}]
[null,{"$f":"Questions!N104","v":""},{"$f":"Questions!C101","v":"Ability"},{"$f":"Questions!P104","v":""},{"$f":"Questions!Q104","v":""},{"$f":"Questions!R104","v":""},{"$f":"Questions!S104","v":""},{"$f":"Questions!T104","v":""},{"$f":"Questions!U104","v":""}]
[null,{"$f":"Questions!N105","v":""},{"$f":"Questions!C102","v":"Ability"},{"$f":"Questions!P105","v":""},{"$f":"Questions!Q105","v":""},{"$f":"Questions!R105","v":""},{"$f":"Questions!S105","v":""},{"$f":"Questions!T105","v":""},{"$f":"Questions!U105","v":""}]
[null,{"$f":"Questions!N106","v":""},{"$f":"Questions!C103","v":"Ability"},{"$f":"Questions!P106","v":""},{"$f":"Questions!Q106","v":""},{"$f":"Questions!R106","v":""},{"$f":"Questions!S106","v":""},{"$f":"Questions!T106","v":""},{"$f":"Questions!U106","v":""}]
[null,{"$f":"Questions!N107","v":""},{"$f":"Questions!C104","v":"Ability"},{"$f":"Questions!P107","v":""},{"$f":"Questions!Q107","v":""},{"$f":"Questions!R107","v":""},{"$f":"Questions!S107","v":""},{"$f":"Questions!T107","v":""},{"$f":"Questions!U107","v":""}]
[null,{"$f":"Questions!N108","v":""},{"$f":"Questions!C105","v":"Ability"},{"$f":"Questions!P108","v":""},{"$f":"Questions!Q108","v":""},{"$f":"Questions!R108","v":""},{"$f":"Questions!S108","v":""},{"$f":"Questions!T108","v":""},{"$f":"Questions!U108","v":""}]
[null,{"$f":"Questions!N109","v":""},{"$f":"Questions!C106","v":"Ability"},{"$f":"Questions!P109","v":""},{"$f":"Questions!Q109","v":""},{"$f":"Questions!R109","v":""},{"$f":"Questions!S109","v":""},{"$f":"Questions!T109","v":""},{"$f":"Questions!U109","v":""}]
[null,{"$f":"Questions!N110","v":""},{"$f":"Questions!C107","v":"Ability"},{"$f":"Questions!P110","v":""},{"$f":"Questions!Q110","v":""},{"$f":"Questions!R110","v":""},{"$f":"Questions!S110","v":""},{"$f":"Questions!T110","v":""},{"$f":"Questions!U110","v":""}]
[null,{"$f":"Questions!N111","v":""},{"$f":"Questions!C108","v":"Ability"},{"$f":"Questions!P111","v":""},{"$f":"Questions!Q111","v":""},{"$f":"Questions!R111","v":""},{"$f":"Questions!S111","v":""},{"$f":"Questions!T111","v":""},{"$f":"Questions!U111","v":""}]
[null,{"$f":"Questions!N112","v":""},{"$f":"Questions!C109","v":"Ability"},{"$f":"Questions!P112","v":""},{"$f":"Questions!Q112","v":""},{"$f":"Questions!R112","v":""},{"$f":"Questions!S112","v":""},{"$f":"Questions!T112","v":""},{"$f":"Questions!U112","v":""}]
[null,{"$f":"Questions!N113","v":""},{"$f":"Questions!C110","v":"Ability"},{"$f":"Questions!P113","v":""},{"$f":"Questions!Q113","v":""},{"$f":"Questions!R113","v":""},{"$f":"Questions!S113","v":""},{"$f":"Questions!T113","v":""},{"$f":"Questions!U113","v":""}]
[null,{"$f":"Questions!N114","v":""},{"$f":"Questions!C111","v":"Ability"},{"$f":"Questions!P114","v":""},{"$f":"Questions!Q114","v":""},{"$f":"Questions!R114","v":""},{"$f":"Questions!S114","v":""},{"$f":"Questions!T114","v":""},{"$f":"Questions!U114","v":""}]
[null,{"$f":"Questions!N115","v":""},{"$f":"Questions!C112","v":"Ability"},{"$f":"Questions!P115","v":""},{"$f":"Questions!Q115","v":""},{"$f":"Questions!R115","v":""},{"$f":"Questions!S115","v":""},{"$f":"Questions!T115","v":""},{"$f":"Questions!U115","v":""}]

{"sheet":"1. Financial wellbeing","index":43,"n_rows":14,"n_cols":12,"rows_kept":14,"cut":false,"hidden":true,"merged":[]}
[]
[null,null,"Higher level outcome","Lower level outcome","Indicator","Original source","Status","Final framework question","Require testing? (Yes, No, Potentially)","Reason for testing (if applicable)","Adapt for pre/post?","Notes for users"]
[null,1,"Ability to live (adequately) within means","Managing well day-to-day","Satisfaction with standard of living \n","USOC Finnow","Adapted","How well would you say you yourself are managing financially these days? Would you say you are...\nCHOOSE ONE ONLY\n1. Living comfortably\n2. Getting by alright\n3. Just about getting by\n4. Finding it quite difficult\n5. or finding it very difficult?","No - removes only \"[yourself]\" qualifier from the question.",null,"No"]
[null,2,"Ability to live (adequately) within means","Managing well day-to-day","Satisfaction with standard of living \n","Fincap (B2) - originally ONS","Original","Overall, how satisfied are you with your life nowadays?\n\nPlease answer on a scale of 0 to 10, where 0 is ‘not at all satisfied’ and 10 is ‘completely satisfied’ \n\n0 Not at all satisfied\n...\n10 Completely satisfied\nDon’t know","No",null,"No","Use a visual 0 to 10 scale with the statements indicated attached the extremes.\n\nUse in conjuction with question 1, to demonstrate impact of improved financial capability on wider wellbeing"]
[null,3,"Ability to live (adequately) within means","Managing well day-to-day","Satisfaction with standard of living","OECD QF10","Adapted","I am now going to read out some statements. I would like to know how much you agree or disagree with each of the following statements. \n- My financial situation limits my ability to do the things that are important to me \n- I am satisfied with my present financial situation\nCHOOSE ONE FOR EACH\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know","No - slight wording changes","Are the different items distinct? Does it matter if people think they overlap?\n\nLow priority as there are 2 other questions within this indicator.","No"," "]
[null,4,"Ability to live (adequately) within means","Managing well day-to-day","Living within means\n","WAS ORunout","Adapted","How often these days do you run out of money before the end of the week or month or need to use a loan, credit card or overdraft to get by?\nCHOOSE ONE ONLY\n1. Always,\n2. Most of the time,\n3. Sometimes,\n4. Hardly ever,\n5. Never","Potentially - 'these days' replaced past 12 months  ","Test 'these days' in the context of running out. What reference period do people have in mind?\n\nLow priority as possible to use Q5, also change is minor and may not require testing","No"]
[null,6,"Ability to live (adequately) within means","Self-reported financial difficulty",null,"Fincap J1","Changed","Which one of the following statements best describes how well you are keeping up with your bills and credit commitments at the moment? [Please include those you have personally or jointly with your partner/spouse]\nCHOOSE ONE ONLY\n1. Falling behind\n2. It is a constant struggle\n3. It is a struggle from time to time\n4. Keeping up without any difficulties\n5. Don’t have any bills or credit commitments\n6. Don't know\n8. Prefer not to say","Yes - questions editted for conciseness and to remove I/we. Responses have been re-ordered.","This is essentially a new question. Test whether people understand all the response codes and state falling behind if they have any arrears. Do they think about all their commitments, including those of the household which they are responsible for?","No"]
[null,{"$f":"B7+1","v":7},"Ability to live (adequately) within means","Falling behind/in debt/in arrears",null,"FFH Unable","Adapted","In the last [SIX] months, have [you / or your partner] been unable to pay any of these bills due to a lack of money?\nCHOOSE ALL THAT APPLY\n1. Rent or mortgage payments\n2. Council tax\n3. Gas, electricity or other fuel bills\n4. Water bill\n5. Telephone bill (including mobile phone, broadband)\n6. Credit or store card bills\n7. Repayments on a loan or advance,\n8. Repayments on goods bought on hire purchase or mail order\n9. TV licence\n10. Income Tax or VAT payments\n11. Any other bill or regular commitment\n12. None of these (SINGLE CODE ONLY)","No - modified only to reflect change to reference period","No - Will need to check that users are able to change reference period","No, but note use of reference period in question","Practitioners can change [six] months to a reference period which is consistent with the lapsed time between the intervention and follow up measurement"]
[null,{"$f":"B8+1","v":8},"Ability to live (adequately) within means","Material deprivation",null,"WB B3","Adapted","How often these days do you and your household go without food, heating, bills or other necessary items due to a lack of money?\nCHOOSE ONE ONLY\n1. Always,\n2. Most of the time\n3. Sometimes\n4. Hardly ever\n5. Never","Yes","What do people understand by the examples given in the question? Is there a seasonal effect, given mention of heating. Also test 'these days'.\n\nLow priority as there is another tested question within the indicator","No"]
[null,9,"Ability to live (adequately) within means","Material deprivation",null,"SILC Afford","Adapted","Looking at this list, can I just check whether your household could afford the following things? \nCHOOSE ALL THAT APPLY\n1. A week's annual holiday away from home\n2. Buying new, rather than second hand, clothes\n3. Keeping your home adequately warm in winter\n4. Having friends or family for a drink or meal once a month\n5. Going out or socialising\n6. A hobby or leisure activity\n7. Replacing a major electrical appliance (e.g. fridge)\n8. Keeping your home in a decent state of decoration\n9. None of these (SINGLE CODE ONLY)","No - Minor changes to options drawing on alternative questions",null,"No"]
[null,10,"Financial resilience - ability to withstand financial shocks",null,null,"Fincap I10","Adapted","Thinking about an unexpected bill which you have to pay within seven days from today.\n\nWhich, if any of the following would you do to pay a bill of £300? \n\nIf you think you would do more than one, please select the main thing you would do, that is the one you would get the most money from.\nCHOOSE ONE ONLY\n1. I  would pay it with my own money, without dipping into savings or cutting back on essentials\n2. I would pay it with my own money, without dipping into savings but I would have to cut back on essentials\n3. I would have to dip into savings \n4. I would use a form of credit (e.g. credit card, take out a loan or make use of an authorised overdraft facility)\n5. I would go overdrawn without authorisation\n6. I would get the money from friends or family as gift or loan\n7. I would have to sell personal/household item(s) to get the money  \n8. I would not be able to pay this expense\n9. Don’t know \n10. Prefer not to say","No - minor changes to remove \"we/our\" qualifier from the question",null,"No"]
[null,11,"Financial resilience - ability to withstand financial shocks",null,null,"Genworth","Adapted","Do you (and your partner) currently have at least as much money in savings as you get in income each month? \nCHOOSE ONE ONLY\n1. No\n2. Yes, about 1 month\n3. Yes, about 2 months\n4. Yes, three months of more\n\n","Potentially","Do people feel able to make the calculations and then select the code that best apply\n\nFinCap q is complex / long - need a concise alternative for short questionairres ","No"]
[null,12,"Finances and emotional/mental wellbeing",null,null,"NI L&T 2000 LoseJob and DAE Q28","Changed","A) To what extent, if at all, do you worry about your current financial situation?\nCHOOSE ONE ONLY\n1. Worry a great deal \n2. Worry to some extent \n3. Worry a little \n4. Don’t worry at all \n5. Don’t know\n\nB) And which of the following, if any, do you experience these days because of your household's financial situation?\nCHOOSE ALL THAT APPLY\n1. Stress or anxiety\n2. Low mood or depression\n3. Difficulty concentrating or relaxing\n4. Difficulty sleeping\n5. Panic attacks\n6. Difficulty eating, or eating too much\n7. Increased use of alcohol \n8. Dependence on prescription or over-the-counter drugs\n9. Use of illicit (illegal) drugs\n10. None of these (SINGLE CODE ONLY)\n11. Don't know\n12. Prefer not to say","Potentially","These are essentially new questions. Are the response codes at B meaningful and comprehensive; are people comfortable choosing them?","No","Both questions can be asked, but in this order."]
[null,13,"Confidence in financial future",null,null,"BASE QCstali ","Adapted","Taking everything into account, how confident are you that you will have enough money to give you the standard of living you hope for in a year from now?\nCHOOSE ONE ONLY\n1. Very confident\n2. Fairly confident\n3. Not very confident\n4. Not at all confident\n5. Don’t know","No - minor change from 'in retirement' to 'in a year from now'",null,"No"]

{"sheet":"4. Behaviour","index":44,"n_rows":27,"n_cols":13,"rows_kept":27,"cut":false,"hidden":true,"merged":[]}
[]
[null,null,"Higher level outcome","Lower level outcome","Indicator","Additional subindicator","Original Source","Status","Final framework question","Require testing? (Yes, No, Potentially)","Reasons for testing (if applicable)","Adapt for pre/post?","Notes for users"]
[null,1,"Dealing with financial difficulties",null,"Taking steps to reduce their debt (such contacting creditors, sticking to an agreed repayment plan etc.) or to reduce their spending/commitments ",null,"Fincap J4","Changed","PRE\nWhich, if any, of the following steps have you taken [in the last X months] to reduce the amount of money you owe on your outstanding debts, including credit commitments and bill arrears?\nPOST\nWhich, if any, of the following steps have you taken since [REFERENCE POINT] to reduce the amount of money you owe on your outstanding debts, including credit commitments and bill arrears?\nCHOOSE ALL THAT APPLY\n1. Increased my regular payments\n2. Paid a lump sum towards them\n3. Spoken to my lender\n4. Sought independent advice (e.g. from Citizen's Advice Bureau, StepChange, Money Advice Service, [OTHERS])\n5. Consolidate your loans or credit cards\n6. Set up a Debt Management Plan or Debt Arrangement Scheme\n7. Arranged to write off some or all of my debts (e.g. Applied for bankruptcy or a debt relief order or set up an IVA)\n8. None of these  (SINGLE CODE ONLY)\n9. Do not have any debts  (SINGLE CODE ONLY)\n","Yes","Response code may be too long and not coherent (or comprehensive) enough","Yes","Practitioners can optionally insert additional actions relevant to their intervention prior to code 'None of these'. Actions need to be relevant, clearly stated and as succinct as possible.\n\nPractitioners will need to insert a reference period which is relevant to their intervention and, if using the POST version, change REFERENCE POINT to something relevant to intervention (e.g. since the workshop, or since you last saw us)."]
[null,{"$f":"B3+1","v":2},"Managing money well day-to-day",null,"Keeping track of income and spending",null,"Fincap F2","Adapted","Which of these best describes how accurately you know how much money you have at present, excluding any savings?  We’re not interested in how much money you have, just how accurately you know how much money you have to spend. \nCHOOSE ONE ONLY\n1. I know within a pound or two\n2. I know within £10 \n3. I know within £50\n4. I know within £100 \n5. I know within £500\n6. I have no idea at all\n\n","Potentially","It would be useful to see how respondents cope with the values given in the response codes. Do they feel they prompt them into saying they know within a pound or two (consider testing a question with codes reversed).","No","This question should be asked before asking respondents about how they keep track of their money (Q3)."]
[null,{"$f":"B4+1","v":3},"Managing money well day-to-day",null,"Keeping track of income and spending",null,"Fincap F4","Adapted","Which, if any, of the following describe what you do to keep track of your money?\nCHOOSE ALL THAT APPLY\n1. Keep a mental note/ a note in my head\n2. Keep a spending diary, log or spreadsheet\n3. Keep receipts\n4. Check your balance\n5. Compare receipts/spending against your statements\n6. Check all incomings and outgoings on your statements\n7. Compare spending between one month and another\n8. File and retain statements\n9. Something else\n10. None of these  (SINGLE CODE ONLY)\n\n","Potentially","To check the response codes are meaningful and come in an order which makes sense","No","Practitioners can optionally insert additional actions relevant to their intervention prior to code 'Something else'. Actions need to be relevant, clearly stated and as succinct as possible.\n\nPositive change includes movement from 1 or 10 to any others and / or increasing the number of behaviours they have adopted "]
[null,4,"Managing money well day-to-day",null,"Creating and sticking to a viable budget",null,"CitA 3","Adapted","A) How closely do you normally plan how you will spend your money over the coming week or month? For example by drawing up a budget.\nCHOOSE ONE ONLY\n1. Very closely\n2. Fairly closely\n3. Not very closely\n4. I do not plan my spending at all\n5. Don't know\n\nB) And, how often do you keep to the budget you set?\nCHOOSE ONE ONLY\n1. Always \n2. Most of the time\n3. Sometimes\n4. Hardly ever\n5. Never\n6. Do not budget","No - (A) Minor re-drafting of question wording, drawing on similar, alternative questions",null,"No","Both questions should be used together, in this order."]
[null,5,"Managing money well day-to-day",null,"Creating and sticking to a viable budget",null,"FinCap I4","Adapted","To what extent would you say the following applies to you?\n\n- I think of my money in terms of “pots” put aside for different things.\n\nPlease answer on a scale of 0 to 10, where 0 means it doesn’t sound like you at all and 10 means it sounds a lot like you\n","No - removal only of autofill text which refers to partner/spouse",null,"No","Use a visual 0 to 10 scale with the statements indicated attached the extremes."]
[null,6,"Managing money well day-to-day",null,"Managing bill payments - pay bills on time (and in full if possible) ",null,"DAE Q19","Adapted","How often do you delay or miss paying a bill, beyond the date it becomes due?\nCHOOSE ONE ONLY\n1. I often do this \n2. I occasionally do this \n3. I rarely do this \n4. I never do this","Potentially","How do people understand the due date","No"]
[null,7,"Managing money well day-to-day",null,"Managing bill payments - pay bills on time (and in full if possible)",null,"BASE Qbplan","Adapted","How well do you usually plan ahead to make sure you have the money to pay for regular bills and expenses? \nCHOOSE ONE ONLY\n1. Plan ahead to cover the full amount\n2. Plan ahead to cover some of the amount\n3. Don't plan ahead because there is always enough money to cover them\n4. Don't plan ahead at all\n","Yes","This is essentially a new question and the response codes are not mutually exclusive. Also conflates affordability with planning.","No"]
[null,8,"Managing money well day-to-day",null,"Maximising income (e.g.. claim benefits, shopping around for best deals etc.) ","Shopping around for the best deals ","Fincap E14","New","A) When did you last do each of the following things?:\n\n- Compared bank accounts to make sure you are not paying more fees or charges than you need to pay\n- Compared saving accounts to make sure you are receiving the best rate of interest on your savings\n- Compared credit cards or loans to make sure you are paying as little in interest as possible\n - Compared electricity or gas deals to make sure you are on the best deal available\n- Compared phone,  broadband or TV deals to make sure you are on the best deal available\n- Compared insurance policies (e.g. car, home, pet) to make sure you are on the best deal available\nCHOOSE ONE FOR EACH\n1. Within the last month\n2. Between one and three months ago\n3. Between three and six months ago\n4. Between six and one year ago\n5. Between one and five years ago\n6. More than five years ago\n7. Never \n8. Not applicable - don't have or need this\n\nB) And thinking about the last time you checked whether you were on the best deal, what did you do as a result?\nCHOOSE ONE FOR EACH CODED 1-6 ABOVE\n1. I switched product or provider \n2. I chose to stay with my current product/provider \n3. I haven’t made my mind up\n4. Don't know/can't remember","Yes","The question needs considerable development and then testing","Yes, potentially, in relation to timeframes","This question may not be needed if the one above is adequate. \n\nPractitioners can select which of the actions they wish to include and add additional items if appropriate. New items should be relevant, clear and as succinct as possible\n\nThese questions should be asked in this order. B need not be asked if response to A is 7 or 8.\n\nFor measurement at post intervention, users will need to take into account the long time periods referenced in the answers to A, as longer periods may overlap with pre-intervention"]
[null,9,"Managing money well day-to-day",null,"Maximising income (e.g.. claim benefits, shopping around for best deals etc.)","Shopping around for the best deals ","CitA","Adapted","Which of the following things, if any, do you currently do to make your money go further?  \nCHOOSE ALL THAT APPLY\n1. Shop around for food and groceries \n2. Look out for special offers or reduced items\n3. Plan meals in advance \n4. Make a shopping list\n5. Avoid treats and non-essential items\n6. Use money saving tips\n7. Turn lights/power off at home when they are not in use\n8. Check the charges on essential bills such as electricity or phone to see if there is a cheaper tariff or supplier available  \n9. None of these","No - minor change only to question text to remove reference to \"regular\" actions and addition (5,6,8) and slight modification of actions (4), ideas taken from other alternative questions",null,"No","Practitioners can optionally insert additional actions relevant to their intervention prior to code 'None of these'. Actions need to be relevant, clearly stated and as succinct as possible."]
[null,10,"Managing money well day-to-day",null,"Maximising income (e.g.. claim benefits, shopping around for best deals etc.) ","Shopping around for the best deals ","X","New","When choosing or renewing a product such as mobile phone contracts, energy tariffs, or credit cards which of the following is most like you.\nCHOOSE ONE ONLY\n1. I always spend time comparing different products  \n2. I sometimes spend time comparing different products but I don't always have the time\n3.  I  tend to make decisions based on convenience rather than shopping around.","Yes","New question","No"]
[null,{"$f":"B12+1","v":11},"Managing money well day-to-day",null,"Maximising income (e.g.. claim benefits, shopping around for best deals etc.)","Claiming benefits ","X","New","When did you last do each of the following things?:\n- Checked whether you are receiving all the benefits, tax credits or pension that you are entitlement to\n- Applied for new or additional benefits, tax credits or pension that you are entitled to\n- Increased or tried to increase your income in some other way (e.g. applied for a job, claimed grants)\nCHOOSE ONE FOR EACH\n1. Within the last month\n2. Between one and three months ago\n3. Between three and six months ago\n4. Between six and one year ago\n5. Between one and five years ago\n6. More than five years ago\n7. Never (SINGLE CODE ONLY)\n8. Not applicable - don't have or need this 9SINGLE CODE ONLY)","Yes","These are new questions","No","Practioners can select which of the actions they wish to include and add additional items if appropriate. New items should be relevant, clear and as succinct as possible"]
[null,12,"Managing money well day-to-day",null,"Using credit responsibly/sensibly",null,"Fincap E10","Changed","Which of the following describes how you normally repay the money owed on your credit or store card(s) ?\nCHOOSE ONE ONLY\n1. The minimum payment allowed\n2. More than the minimum but less than the full amount\n3. The full amount\n4. It varies too much to say\n5. Don’t know\n6. Prefer not so say","No - simplification of the question and response codes, based on alternative, established questions",null,"No"]
[null,13,"Managing money well day-to-day",null,"Using credit responsibly/sensibly ]",null,"DAE Q23","New","Which of the following, if any, do you currently have? \nCHOOSE ALL THAT APPLY\n1. A credit card which you are using to pay off another card\n2. A credit or store card which you are unable to make the minimum payments on\n3. A loan, hire purchase or mail order account which you are unable to pay when the payment(s) came due  \n4. A loan, including a payday or pawnbroking loan, which you have rolled over, extended or renewed\n5. An authorised overdraft balance which is getting bigger each month \n6. An unauthorised overdraft which you are using\n7. Money you have borrowed from an unlicensed lender ('loan shark') \n8. None of these (SINGLE CODE ONLY)\n9. Don't know (SINGLE CODE ONLY)\n10. Prefer not to say (SINGLE CODE ONLY)","Yes","New question. ","No"]
[null,14,"Managing money well day-to-day",null,"Using credit responsibly/sensibly",null,"WB B4a and HCC 8.9","Changed","A) Do you and your household ever [use credit or borrow money] to buy food or pay for other necessary items because you have run short of money?\nCHOOSE ONE ONLY\n1. Yes, regularly\n2. Yes, sometimes \n3. No\n\nB) And which of the following types of credit would you normally use to pay for food or other necessary items?\n1. Credit or store card\n2. Overdraft \n3. Payday loan\n3. Loan from company that collects payments from your home (e.g. Provident, Greenwoods)\n5. Loan from a pawnbroker\n7. Loan from a Credit Union or other community finance organisation\n8. A loan from a friend or relative.\n9. Loan from the Social Fund\n10. Loan from an unlicensed lender who charges interest, sometimes called a loan shark\n11. Any other type of loan from a bank, building society or finance company e.g. Norton Finance, Blackhorse car finance\n11) Something else\n12) Don't know\n13) Prefer not to say","No - recast from yes/no into frequency question using standard question wording, also only minor changes to question wording which draws on existing alternative survey questions",null,"No"]
[null,15,"General saving behaviour ",null,"Saving on a regular basis ",null,"FinCap G3 and G4\n\nCitA Q33","Original\n\nChanged","A) Which of these best describes how often you save money?\nCHOOSE ONE ONLY\n1. Every month\n2. Most months\n3. Some months, but not others\n4. Rarely/never\n5. Don’t know\n\nB) Just thinking about the months that you save money is the amount that you save…\n1. Roughly the same each month\n2. A little different from month to month\n3. Very different from month to month\n4. Don’t know\n\nC) About how much on average do you personally manage to save each month, at the moment? \nENTER AMOUNT IN £\nVaries too much to say","Yes","To check the modified question and response codes make sense and are as inclusive as possible\n\nHow easily can people estimate how much they save and do they need more prompts etc.","No","These questions are best asked only if an initial question has been asked which defines what we mean by saving (see, for example the question which asks In which of the following ways are you currently putting money aside or saving it for a later time?).  It is advisable to use these questions together as an integrated set."]
[null,16,"General saving behaviour ",null,"How people save ",null,"OECD QF3","Adapted\n\nOriginal\n\nChanged","In which of the following ways are you currently putting money aside or saving it for a later time? \nCHOOSE ALL THAT APPLY\n1. By saving cash at home, in your wallet or another safe place\n2. Building up a balance of money in your bank account \n3. Paying money into a savings account\n4. Paying money into a credit union account \n5. Giving money to family to save on your behalf \n6. Saving in <an informal savings club> \n7. Buying financial investment products, other than pension funds [give examples such as bonds, investment trusts, stocks and shares]\n8. Or in some other way (including remittances, buying livestock, gold or property)\n9. None of these (SINGLE CODE ONLY)\n10. Don’t know","Yes","To check the modified question and response codes make sense and are as inclusive as possible\n\nHow easily can people estimate how much they save and do they need more prompts etc.","No","The follow up questions (B,C) can only be asked if the first question has been asked to orientate people to what we mean by saving."]
[null,17,"General saving behaviour ",null,"What people save for ",null,"WAS OWhySav","New","A) People save money for different reasons.  Which, if any, of the following reasons are you saving for?\nCHOOSE ALL THAT APPLY\n1. For a specific expense, purchase or event\n2. For unexpected expenditures\n3. As a safety net or peace of mind\n4. To see my money grow/ as speculation\n5. Don't spend all of income\n6. No particular reason\n7. None of these\n\nIF CODE 1 AT A (SPECIFIC/PLANNED EXPENSES)\nB) What planned expenses, purchases or events, if any, are you saving for?\nCHOOSE ALL THAT APPLY \n1. For known or expected bills\n2. For holidays, day trips or other leisure activities \n3. For birthdays, Christmas, Eid or other celebrations\n4. Home improvements\n5. Purchasing a car/van/motorbike\n6. To buy, rent or move house\n7. A wedding\n8. Starting a family/having another child\n9. Education or change of career \n10. To help other family members financially through gifts or an inheritance\n11. To provide a regular income for the coming months\n12. To provide income for retirement\n13. Some other planned expense\n14. None of these","Yes","This essentially a new question. Does breaking the codes up into two lists work?  Does \"no particular reason\" overlap with other codes e.g. safety net.","No","Practitioners can choose to use either question or both, remembering to include the preamble once."]
[null,18,"Preparing for and managing life events",null,"Working towards relevant longer-term financial goals e.g.. home ownership",null,"Fincap D2","Original\n\n","A) Which, if any, of these financial goals do you have for the next five years?\nPLEASE SELECT ALL THAT APPLY \n1. Just making ends meet day to day\n2. Paying off my debts/reducing debts\n3. To buy, rent or move house\n4. Saving money for a wedding\n5. Saving money to start a family/have another child\n6. Saving money for education (for me or my children)\n7. Saving money to help grown-up children to buy/rent  a home\n8. Saving money for a holiday\n9. Saving money for retirement\n10. Saving money for home improvements\n11. Saving money to purchase a car/van/motorbike\n12. Saving money generally\n13. Other (please specify)\n14. None of these (SINGLE CODE ONLY)","No",null,"No"]
[null,19,"Preparing for and managing life events",null,"Saving for retirement",null,"Fincap H1","Adapted","Are you currently paying into one or more pensions? This can include an employer or any other type of private pension\nCHOOSE ONE ONLY\n1. Yes\n2. No\n3. I am retired so I am not paying into a pension\n4. Don’t know","No - minor changes only to qualifier text (types of pensions to include)",null,"No"]
[null,20,"Preparing for and managing life events",null,"Saving for retirement",null,"X","New","When did you last increase the amount you pay into your pension? \nCHOOSE THE FIRST ONE WHICH APPLIES TO YOU\n1. Within the last three months\n2. Within the last year\n3. Within the last two years\n4. Within the last five years\n5. Longer than five years ago\n6. I am retired so I am not paying into a pension","Yes","This is a new question. How is increasing the amount interpreted by people with different types of pensions or none. Are the response codes inclusive"]
[null,21,"Preparing for and managing life events",null,"Saving for retirement","Checking projected income","AtP IncKnow","Adapted","I'd now like you to think about how much your income in retirement will be. \n\nA) Which of these statements best describes your knowledge of how much your income in retirement will be? \nCHOOSE ONE ONLY\n1. I have a good idea of what my income in retirement will be\n2. I have a fair idea of what my income in retirement will be\n3. I know vaguely whether I will have enough to live on or not in retirement, but no more than that\n4. I have no idea of what my income in retirement will be\n\nB) Which of the following best describes your expectations of your income in retirement? \nCHOOSE ONE ONLY\n1. I know it will meet my needs\n2. I know it won't meet my needs\n3. I don't know if it will meet my needs or not","Yes","The second part of the question is new. How is it understood and how is it distinct from the previous question","No","Practitioners can use either or both, remembering to use the preamble once.\n\nUsers should be aware that clients may experience a drop on this measure following an intervention if there increased knowledge means they are less confident about their retirement income. "]
[null,22,"Preparing for and managing life events",null,"Saving for retirement","Steps to ensure adequate income","X","New","PRE\nThinking about the last [SIX] months, which of the following, if any, have you done in relation to your pension or retirement income? \nPOST\nSince [REFERENCE POINT], which of the following, if any, have you done in relation to your pension or retirement income? \nCHOOSE ALL THAT APPLY\n1. Checked whether my income will be enough will be enough to meet my needs in retirement\n2. Increased how much I am paying towards my retirement income\n3. None of these (SINGLE CODE ONLY)","Yes","Yes, this is a new question. Is it comprehensible and inclusive?","No","Practitioners can change the standard reference period of [SIX] months for pre-intervention to one relevant to their intervention (which may depend on how acute the advice need is), and should change REFERENCE POINT to reference their intervention (e.g. \"since the workshop\" \"since you last saw\")"]
[null,23,"Preparing for and managing life events",null,"Having appropriate insurance/income protection",null,"Fincap E12\n/3","Changed","Which, if any, of the following protection products do you and your partner/spouse have, even if you didn't arrange them yourself? \nCHOOSE ALL THAT APPLY\n1.  Home insurance (covering contents and/or the building)\n2. Insurance for specific items (e.g. white goods, mobile phone)\n3. Payment protection insurance (e.g. for a credit card or mortgage)\n4. Private Medical Insurance (paying or part-paying private hospital or specialist health care)\n5. . Critical illness Insurance (paying a lump sum if you become seriously ill)\n6. Income protection insurance  (providing regular payments if you cannot work due to ill health or accident)\n7. Life insurance that pays out on death\n8. Anther type of insurance\n9. Funeral plan\n10. A will \n11.[OTHER/ADDITIONAL ITEMS]\n12. None of these (SINGLE CODE ONLY)","No - Merges two fincap questions with little change to wording.",null,"No"]
[null,24,"Cross-cutting",null,"Proactively seeking advice and guidance ",null,"WAS DBurdW","Adapted","PRE\nWhich of these, if any, have you sought advice from in relation to money or your finances in the last [SIX] months?\nPOST\nWhich of these, if any, have you sought advice from in relation to money or finances since [REFERENCE POINT]?\nCODE ALL THAT APPLY\n1. A free advice agency (Citizens Advice Bureau, money advice centre, debt advice agency, law centre, consumer credit counselling service, National Debtline)\n2. A fee-charging advice company\n3. An insolvency practitioner\n4. Accountant, bank manager or other financial adviser\n5. Solicitor or lawyer\n6. A social landlord\n7. Friends or relatives\n8. The internet\n9. Some other source \n10. None of these (SINGLE CODE ONLY)","Yes","What do people count as advice. Are the response codes complete and appropriate?","See textfill (indicated in [ ] )","Practitioners can change the standard reference period of [six] months for pre-intervention to one relevant to their intervention (which may depend on how acute the advice need is), and should change REFERENCE POINT to reference their intervention (e.g. \"since the workshop\" \"since you last saw\")"]
[null,25,"Cross-cutting",null,"Proactively seeking advice and guidance online","Using the internet to manage their money better","DSK 2.1","Adapted","How often in the last [THREE MONTHS] have you gone online for the following purposes?\n\n- For information or advice on a financial product you needed or wanted\n- To find out whether a financial product was suitable for you\n- To compare financial products to find the best deal for you\n\nCHOOSE ONE FOR EACH\n1. Every day\n2. Every week\n3. Every few weeks\n4. Never \n5. Don’t know","Potentially","The response codes may need testing for sense and completeness","No","Practitioners can replace [THREE MONTHS] with a reference period which relates to their intervention. \n\nPractitioners may additionally wish to use only those items which relate to their intervention"]

{"sheet":"2. Means","index":45,"n_rows":12,"n_cols":11,"rows_kept":12,"cut":false,"hidden":true,"merged":[]}
[]
[null,null,"Higher level outcome","Lower level outcome","Original source","Status","Final framework question","Require testing? (Yes, No, Potentially)","Reason for testing \n(if applicable)","Adapt for pre/post?","Notes for users"]
[null,1,"Income","Employment status","Standard question","Original","Thinking about your employment, what is your current status?\n\nSELECT ONE ONLY\nIF MORE THAN ONE APPLIES, SELECT MAIN STATUS\nIF ON MATERNITY LEAVE FROM EMPLOYER AND PLANNING ON RETURNING COUNT THIS AS WORKING\n1. Working for an employer full-time (that is for 30 or more hours per week)\n2. Working for an employer part-time (that is for less than 30 hours per week)\n3. Self-employed (with or without workers)\n4. Unemployed and looking for work\n5. Unemployed and not looking for work\n6. Retired\n7. Student\n8. Permanently sick / disabled\n9. Temporarily sick \n10. Looking after home\n11. Other \n","No",null,"No","No"]
[null,2,"Income",null,"Fincap P4","Changed","A) Which of the following sources of income, if any, do you currently have? Please include any income you receive personally or jointly with your partner or spouse. \nCHOOSE ALL THAT APPLY  \n1. Income from employment/self-employment (including sick pay)\n2. Income from personal or occupational pensions\n3. Income from savings/investments\n4. Rent you receive from boarders or lodgers (not family members) or other property you rent out or sublet\n5. Child maintenance payments\n6. Other types of payments or maintenance from parents or other family members who you do not live with, including as regular gifts\n7. None of these (SINGLE CODE ONLY)\n8. Don’t know  (SINGLE CODE ONLY)\n9. Prefer not to say  (SINGLE CODE ONLY)\n\nB) And which of the following sources of income do you currently have, if any?\nCHOOSE ALL THAT APPLY  \n1. State Pension\n2. Pension Credit\n3. Child benefit\n4. Universal Credit\n5. Working Tax Credits\n6. Job Seekers Allowance (JSA) \n7. Employment and Support Allowance (ESA)\n8. Income Support \n9. Housing benefit\n10. Council Tax Reduction\n11. Disability Living Allowance (DLA), Personal Independence Payment (PIP) or Attendance Allowance (AA)\n12. Carers Allowance\n13. Something else \n14. None of these (SINGLE CODE ONLY)\n15. Don't know (SINGLE CODE ONLY)\n16. Prefer not to say (SINGLE CODE ONLY)","No - draws on standardised questions widely used elsewhere",null,"Yes","Practitioners can choose to use either or both questions, depending on need."]
[null,3,"Income",null,"Fincap P1","Adapted ","Which band from the grid below does your household’s total gross income from all sources fall into?\n[INCOME is any money from work, including a second job or occasional work, and any other sources, such as benefits, pensions, savings and investments, maintenance payments and rent from property or subletting.]\nGROSS means the amount you receive before any deductions, income tax, National Insurance etc. \nCHOOSE ONE ONLY\n Per Week Per Month Per Year\n1. Up to £86 Up to £374 Under £4,500\n2. £87 - £124 £375 - £541 £4,500 - £6,499\n3.  £125 - £143 £542 - £624 £6,500 - £7,499\n4.  £144 - £182 £625 - £791 £7,500 - £9,499\n5. £183 - £220 £792 - £957 £9,500 - £11,499\n6. £221 - £259 £958 - £1,124 £11,500 - £13,499\n7.  £260 - £297 £1,125 - £1,291 £13,500 - £15,499\n8.  £298 - £336 £1,292 - £1,457 £15,500 - £17,499\n9.  £337 - £384 £1,458 - £1,666 £17,500 - £19,999\n10.  £385 - £480 £1,667 - £2,082 £20,000 - £24,999\n11. £481 - £576 £2,083 - £2,499 £25,000 - £29,999\n12. £577 - £672 £2,500 - £2,916 £30,000 - £34,999\n13. £673 - £768 £2,917 - £3,332 £35,000 - £39,999\n14. £769 - £961 £3,333 - £4,166 £40,000 - £49,999\n15 £962 - £1,441 £4,167 - £6,249 £50,000 - £74,999\n16.  £1,442 - £1,922 £6,250 - £8,332 £75,000 - £99,999\n17. £1,923+ £8,333+ £100,000+\n18. Don’t know\n19. Prefer not to say ","No - only removes some autofill text used in the routing to the original question",null,"No","The text shown in [green text] is optional and need only be asked if questions about sources of income have not been asked.\n\nUsers can alternatively ask for a precise figure or specify by week, month or year, depending on the nature and needs of the client."]
[null,4,"Income",null,"X","NEW","POST\nBy how much has your income increased since [REFERENCE POINT]?\n1. ENTER AMOUNT IN £\n2. Stayed the same\n3. Has fallen\n4. Don't know\n5. Prefer not to say","Potentially","Need to check whether people can estimate without prompt, whether we need to specify 'annual' income and how people on weekly or monthly incomes answer (e.g. benefit recipients may think of income on a month by month basis).\n\nHigh priority as increased income may be a key outcome for interventions seeking to maximise income and this question will be more straightforward to capture and analyse than income \n\n \n\n","No, but POST only","Suitable for use post-intervention only. Practitioners should replace [REFERENCE POINT] with something appropriate to their intervention (such as 'since the workshop' or 'since you last saw us')"]
[null,5,"Income",null,"Fincap P3","Original","Which one of these best applies to you personally?\n1. Pay income tax at a basic rate\n2. Pay income tax at a higher rate\n3. Do not pay income tax\n4. Don’t know\n5. Prefer not to say","No",null,"No"]
[null,6,"Savings",null,"Fincap G5","Adapted ","A) Approximately how much, if anything, do you personally have in savings and investments? Please do not include any money that you have saved in a pension. \n1. ENTER EXACT AMOUNT\n2. I do not have any savings and investments\n3. Don’t know \n4. Prefer not to say \n\nB) Could you estimate the total within the following bands?\nCHOOSE ONE ONLY\n1. £100 or less\n2. £101 - £500\n3. £501 - £1,000\n4. £1,001 - £9,999\n5. £10,000 - £19,999\n6. £20,000 or more\n7. Don’t know\n8. Prefer not to say ","No - Changes only to formatting (separating out banded options into second question)",null,"No","B will not be necessary if client has been able to answer 1 or 2 at A\n\nUsers can alternatively go straight to the banded answers, depending on the nature and needs of the client."]
[null,7,"Savings",null,"PDL Qsav","Adapted ","Please can you tell me whether you currently have money saved in any of the following types of savings accounts and investments, including any joint accounts? CHOOSE ALL THAT APPLY\n1. A savings or deposit account with a bank or building society\n2. An account with a Credit Union\n3. Cash ISA\n4. Premium bonds\n5. Stocks and shares\n6. Other savings products\n7. Other investment product (not including pension)\n8. None of these (SINGLE CODE ONLY)\n9. Don't know (SINGLE CODE ONLY)\n10. Prefer not to say (SINGLE CODE ONLY)","Potentially","To distinguish saving from current and credit union accounts\n\nLow priority - low likely use and probably only by interventions that will be educating beneficiaries about different savings options","No"]
[null,8,"Other assets",null,"ELSA IAPROP and SEG N6","Adapted ","A) Which, if any, of these assets do you have, not including your own home? Please include any in your sole name or jointly owned with someone else\nCHOOSE ALL THAT APPLY. \n1. Houses, flats or holiday homes, including timeshares (not including this home) \n2. Farm or Business Property (such as a shop, warehouse or garage) \n3. Other land \n4. Cars, motorbikes, boats and other motor vehicles\n5. Money owed to you by others \n6. Money held in a trust \n7. Art, antiques, collectables, jewellery, and other valuables\n8. Other assets\n9. None of these (SINGLE CODE ONLY)\n10. Don't know (SINGLE CODE ONLY)\n11. Prefer not to say (SINGLE CODE ONLY)\n\nB) How much, in total, do you think they are currently worth? We only need your best estimate if you are unsure. \nCHOOSE ONE ONLY\n1. Less than £30,000 \n2. £30,000 to £39,999\n3. £40,000 to £49,999\n4. £50,000 to £74,999\n5. £75,000 to £99,999\n6. £100,000 to £149,999\n7. £150,000 to £199,999\n8. £200,000 to £249,999\n9. £250,000 to £500,000\n10. £500,000+\n11. Don't know (SINGLE CODE ONLY)\n12. Prefer not to say (SINGLE CODE ONLY)","No - a fuller response code compared with the original draws on other established questions. Also removes autofill text in original question which referred to their partner if they had one ",0,"No","This should be last question asked in relation to Other Assets"]
[null,9,"Other assets",null,"WAS Ten1\nSEG F21\nWAS Hvalue","Original","A) In which of these ways do you (and your household) occupy your home?\n1. Own it outright\n2. Buying it with the help of a mortgage or loan\n3. Pay part rent and part mortgage (shared ownership)\n4. Rent it\n5. Live here rent-free (including rent-free in relative's/friend's property; excluding\nsquatting)\n6. Squatting\n\nB) And how much in total is left to pay on your mortgage (or mortgages, if you have more than one). If you are unsure, please give your best estimate.\nCHOOSE ONE ONLY\n1. Less than £10,000\n2. £10,000 to £19,999\n3. £20,000 to £29,999\n4. £30,000 to £39,999\n5. £40,000 to £49,999\n6. £50,000 to £74,999\n7. £75,000 to £99,999\n8. £100,000\n9. to £149,999\n10. £150,000 to £199,999\n11. £200,000 to £249,999\n12. £250,000 to £299,999\n13. £300,000 to £399,999\n14. £400,000 to £499,999\n15. £500,000 or more\n16. Don't know\n17. Prefer not to say\n\nC) About how much would you expect to get (in total and not just your share) for your current home if you sold it today (before paying off any outstanding mortgage or loan on the property)?\nCHOOSE ONE ONLY\nENTER AMOUNT IN £s  If DK, then asked banded question: \n1. Less than £60,000\n2. £60,000 to £99,999\n3. £100,000 to £149.999\n4. £150,000 to £199,999\n5. £200,000 to £249,999\n6. £250,000 to £299,999\n7. £300,000 to £349,999\n8. £350,000 to £399,999\n9. £400,000 to £499,999\n10. £500,000 to £749,999\n11. £750,000 to £999,999\n12. £1 million or more ","No",0,"No","Question B should only be asked if choosing 2 or 3 at A.\n\nAt Question B, users can alternatively asked for a precise figure, depending on the nature of the client.\n\nQuestion C should only be asked if choosing 1, 2 or 3 at A\n\n"]
[null,10,"Access to affordable credit (??)",null,"HCC 8.9","Adapted ","Please can you tell me which of the following you have had in the last [3 months], whether in your own name or jointly with someone else? Please include any that you are in arrears with.\n1. Credit or store card\n2. Overdraft \n3. Payday loan\n3. Loan from company that collects payments from your home (e.g. Provident, Greenwoods)\n5. Loan from a pawnbroker\n7. Loan from a Credit Union or other community finance organisation\n8. A loan from a friend or relative.\n9. Loan from the Social Fund\n10. Loan from an unlicensed lender who charges interest, sometimes called a loan shark\n11. Any other type of loan from a bank, building society or finance company e.g. Norton Finance, Blackhorse car finance\n11) Something else\n12) Don't know\n13) Prefer not to say","No - minor changes to response codes only, based on alternative, established questions. Also removal of some optional qualifier text",0,"No, but see notes for users","Practitioners can amend the 3 months shown to a reference period which is in keeping with their intervention and following period."]

{"sheet":"3. Pressure","index":46,"n_rows":6,"n_cols":12,"rows_kept":6,"cut":false,"hidden":true,"merged":[]}
[]
[null,null,"Higher level outcome","Lower level outcome","Indicator","Original Source","Status","Final framework question","Require testing? \n(Yes, No, Potentially)","Reasons for testing","Adapt for pre/post?","Notes to users"]
[null,1,"Committed expenditure","Debt/credit repayments",null,"SILC 419\nSEG L1","Adapted","A) Apart from any mortgages, do you currently have to repay any credit card, overdraft, hire purchase or other loans or advances? Please include any held in your own name or jointly with someone else.\n1. Yes \n2. No \n3. Don’t know\n\nB) Thinking about the loans and credit commitments held in your own name or jointly with someone else, how much in total do you currently owe on these? We only need your best estimate if you are unsure\nCHOOSE ONE ONLY\n1. Less than £500 \n2. £500 to £999 \n3. £1,000 to £2,499 \n4. £2,500 to £4,999 \n5. £5,000 to £9,999 \n6. £10,000 to £24,999 \n7. £25,000 to £49,999 \n8. £50,000 to £99,999 \n9. £100,000 to £249,999 \n10. £250,000 or more\n11. Don’t know\n12. Prefer not to say","No - (A) only minor reorganisation of the question text for clarity and removal of text which refers to others in the household. (B) Slight recasting of the question to refer to all (non mortgage) borrowing types only, drawing on other established questions",null,"No","B should only be asked if choosing 1 at A"]
[null,2,"Committed expenditure","Additional outgoings",null,"Fincap K2","Adapted","Do you (and your partner if you have one) regularly spend more than £200 a month on any of the following items? \nCHOOSE ALL THAT APPLY \n1. Travel to work\n2. Rent paid because you work away from home and cannot claim it back\n3. Child care\n4. School fees\n5. Care for someone else (including nursing home)\n6. Financial support to a partner, child or other family member who does not live with you\n7. None of these (SINGLE CODE ONLY)\n8. Don’t know (SINGLE CODE ONLY)\n9. Prefer not to say (SINGLE CODE ONLY)","No - removal only of autofill text relating to partner/spouse",null,"No"]
[null,3,"Committed expenditure","Additional outgoings",null,"Fincap K2","Changed","Do you (and your partner if you have one) regularly spend more than you can afford on any of the following items? \nPLEASE SELECT ALL THAT APPLY \n1. Travel to work\n2. Rent paid because you work away from home and cannot claim it back\n3. Child care\n4. School fees\n5. Care for someone else (including nursing home)\n6. Financial support to a partner, child or other family member who does not live with you\n7. Paying off credit or store cards \n8. Paying for goods bought on hire purchase or mail order\n8. None of these (SINGLE CODE ONLY)","No - removal only of autofill text relating to partner/spouse and slight recasting to spend 'more than you can afford' ",null,"No"]
[null,4,"Committed expenditure","Dependent children",null,"WB C12b","Adapted","How many children depend on you financially?","No - minor change of wording only, from 'economically' to 'financially'",null,"No"]

{"sheet":"5.  Connection","index":47,"n_rows":6,"n_cols":12,"rows_kept":6,"cut":false,"hidden":true,"merged":[]}
[]
[null,null,"Higher level outcome","Lower level outcome","Indicator","Original Source","Status","Final framework question","Require testing? (Yes, No, Potentially)","Reasons for testing (if applicable)","Adapt for pre/post?","Notes for users"]
[null,1,"Ease & Accessibility ","Exposure and access to appropriate financial advice, guidance and tools and appropriate financial products and channels","People have the physical ability to access financial advice, guidance and tools which meet their needs in a form and language they can understand, and channel they can use effectively","ELSA SC5 and SEG C6","Adapted","How easy or difficult is it for you to do each of the following things?\nCHOOSE ONE ONLY FOR EACH\n-Get to a Citizens Advice Bureau or other advice agency using your normal forms of transport\n-Get to a Jobcentre Plus or local benefit office using your normal forms of transport\n-Use a telephone in private to discuss financial matters\n-Receive confidential financial information by post\n\n1.Very easy\n2.Quite easy\n3.Quite difficult\n4.Very difficult\n5.Unable to go\n6.Do not wish to go","Potentially","The 3rd and 4th response codes are new","No","Practitioners can optionally insert additional locations relevant to their intervention at the bottom of the list. Locations need to be relevant, clearly stated and as succinct as possible."]
[null,2,"Ease & Accessibility ","Exposure and access to appropriate financial advice, guidance and tools and appropriate financial products and channels","People have the physical ability to access appropriate financial products which meet their needs via appropriate channels","ELSA SC5 and SEG C6","Adapted","How easy or difficult is it for you to do each of the folllowing things?\nCHOOSE ONE ONLY FOR EACH\n- Get to a Post Office using your normal forms of transport\n- Get to a Cash point using your normal forms of transport\n- Get to a Bank, building society or credit union using your normal forms of transport\n- Receive confidential financial documents by post, such as a payment card or chequebook\n\n1.Very easy\n2.Quite easy\n3.Quite difficult\n4.Very difficult\n5.Unable to go\n6.Do not wish to go","Potentially","The 4th response code is new","No","Practitioners can optionally insert additional locations relevant to their intervention at the bottom of the list. Locations need to be relevant, clearly stated and as succinct as possible.\n\nCould also apply to \"Physical ability to access advice\""]
[null,3,"Ease & Accessibility ","Exposure and access to appropriate financial advice, guidance and tools and appropriate financial products and channels","People have the physical ability to access appropriate financial products which meet their needs via appropriate channels ","FRS Showcard N1","Adapted","Which of the following types of everyday accounts do you have, if any, either in your own name or jointly with someone else? These might be held with a bank, building society or other provider such as a credit union or post office. \nCHOOSE ALL THAT APPLY\n1. Current account (usually offered with an overdraft facility, even if you don't want one)\n2. Basic Bank Account (normally without an overdraft facility)\n3. Post Office Card Account (for receiving your pension, benefits or tax credits) \n4. A saving deposit account (e.g. an instant access or notice account, including cash ISA)\n5. None of these","No - shortens the original list of response codes, based on alternative questions",null,"No"]
[null,4,"Ease & Accessibility ","Exposure and access to appropriate financial advice, guidance and tools and appropriate financial products and channels","People have the technical ability to access financial advice, guidance and tools which meet their needs in a form and language they can understand, and channel they can use effectively and to access appropriate financial products which meet their needs via appropriate channels","X","New","In which of the following ways, if any, can or do you use the internet when you need to access information about money or your finances?\nCHOOSE ALL THAT APPLY\n1. At home, using a computer or laptop\n2. At home, using a mobile phone, tablet or internet-enabled TV\n3. At work, college or at a friend or relative's home\n4. In a library, community centre or other public setting\n5. Somewhere else\n6. Do not use the internet","Yes","New question. Are the response codes inclusive and meaningful? Does 'internet' need to be explained? What do people think of in response to \"access information about money or your finances\"","No","Practitioners can optionally insert additional locations relevant to their intervention before 'Somewhere else'. Locations need to be relevant, clearly stated and as succinct as possible."]

{"sheet":"6. Mindset","index":48,"n_rows":30,"n_cols":13,"rows_kept":30,"cut":false,"hidden":true,"merged":[[2,1,2,12],[20,1,20,12]]}
[]
[null,null,"Higher level outcome","Lower level outcome","Indicator","Additional subindicator","Original source","Status","Final framework question","Require testing? (Yes, No, Potentially)","Reasons for testing (if applicable)","Adapt for pre/post?","Notes for users"]
[null,"Financial attitudes and motivations"]
[null,1,"Financial attitudes and motivations","Attitudes to receiving money advice and guidance",null,null,"x","New","How likely is that you would seek advice from an external advice organisation to deal with money worries?\nCHOOSE ONE ONLY\n1.Very likely\n2. Fairly likely\n3. Fairly unlikely\n4. Very unlikely\n5. Don’t know\n","Yes","New question","No"]
[null,{"$f":"+B4+1","v":2}," Financial attitudes and motivations","Attitudes to receiving money advice and guidance",null,null,"x","New","How much do you agree or disagree with each of the following statements?  \n\n - Seeking financial advice seems too daunting \n - I think I would make better financial decisions with the help of advice\n -  I would feel too embarrassed to seek professional advice about money problems \n - When it comes to financial advice I don't know where to start. \n -  I can sort out my own money issues, without seeking advice \n - When it comes to choosing financial products, I find there is not enough information out there that I can trust \n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know\n","Yes","Entirely new question","No","If administering on paper/web can set this up s a grid with Agree/Disagree scale along the top"]
[null,{"$f":"+B5+1","v":3}," Financial attitudes and motivations","Attitudes to money","People are motivated to keep track of their finances\n\n",null,"Fincap (O3C)","Original","How important, if at all, do you think it is to keep track of your household’s income and expenditure \n\n1. Very important\n2. Fairly important\n3. Neither important nor unimportant\n4. Fairly unimportant\n5. Very unimportant\n6. Don’t know\n","No",null,"No"]
[null,5," Financial attitudes and motivations","Attitudes to money","Attitudes to managing money","Social influences","Fincap (Q4c/d)","Changed"," A) I feel under pressure to spend money on my children even when I can't afford it 0 (does not sound like me at all) to 10 (sounds a lot like me)\n\nB) I feel under pressure to have a lifestyle which I can't really afford.0 (does not sound like me at all) to 10 (sounds a lot like me)\n\n0 does not sound like me\n...\n10 sounds a lot like me\nDon't know\nNot applicable","Yes","B) is new/adapted","No"]
[null,6," Financial attitudes and motivations","Attitudes to money","Attitudes to managing money",null,"Fincap (O2D)","Original","To what extent do you agree or disagree with the\nstatement \n\n“I am too busy to sort out my finances at the moment\"\n \"Nothing I do will make much difference to my financial situation\"\n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know\n","No",null,"No"]
[null,7," Financial attitudes and motivations","Attitudes to money","People value making their money go further (eg. by shopping around and switching)\n\n",null,"x","New (except * which is from SEG Q3)","Q3\nAnd how much do you agree or disagree with each of the following statements?:\n- I prefer to stick with one company over time rather than keep changing suppliers*\n - There's no point in switching providers, it's not worth the hassle \n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know\n","Yes","Most of these statements are new (except *)","No","If administering on paper/web can set this up s a grid with Agree/Disagree scale along the top"]
[null,8," Financial attitudes and motivations","Attitudes to money","People value saving for expected and unexpected events\n\n",null,"OECD (f10)/SEG (c44)/ SEG (d35)/BASE (qpla4)","Original except * which is adapted","How much do you agree or disagree with each of the following statements?  \n\n - I find it more satisfying to spend money than to save it for the long term \n- I always make sure I have some money saved to pay for emergencies or unexpected expenses*\n - If I had to choose, I would rather have a good standard of living today than save for the future.\n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know\n","Yes","* question requires testing as new.","No","If administering on paper/web can set this up s a grid with Agree/Disagree scale along the top"]
[null,9," Financial attitudes and motivations","Attitudes to money","People have a cautious attitude to debt and credit \n\n",null,"SEG (c44)/PDL (Q95)/IDL/Fincap (O2F)/BSA 2001 (credspnd)","Original except *","I am now going to read you some things that other people have said about managing money. Please tell me how strongly you agree or disagree with them.\n\n\n - Spending to the maximum on all my credit cards is a way of life for me\n - I hate to borrow – I would much rather save up in advance\n - Sometimes I ignore letters and phone calls in case they are to tell me that I owe money\n  - Being in debt does not worry me\n - I would prefer to have luxuries and treats than be debt free \n- I would rather cut back than run up debts on a credit card\n - It's okay to constantly use an overdraft *\n- I prefer to buy things on credit rather than wait and save up\n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know\n","Yes","* question requires testing as new.","No","If administering on paper/web can set this up s a grid with Agree/Disagree scale along the top\n\nSelect responses that are relevant to the intervention"]
[null,10," Financial attitudes and motivations","Attitudes to money","People talk openly and honestly about money with friends and family\n",null,"IDL/SEG Q3","Original","How much do you agree or disagree with each of the following statements?  \n\n - I would be too embarrassed to discuss my financial situation\n \n- I would talk to family and friends before making an important financial decision\n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know\n","No",null,"No","If administering on paper/web can set this up s a grid with Agree/Disagree scale along the top"]
[null,11," Financial attitudes and motivations","Attitudes to money","People talk openly and honestly about money with friends and family\n\n",null,"Fincap (M1)","Original","Do you discuss your household finances openly with any of the following people?\nSELECT ALL THAT APPLY \n1. Friends\n2. My partner/spouse\n3. Parents/Family\n4. My children\n5. My colleagues\n6. Members of my local community\n7. Other, please specify\n8. I prefer not to talk about my finances with any of these people (SINGLE CODE ONLY)\n9. Don’t know (SINGLE CODE ONLY)\n","No",null,"No"]
[null,{"$f":"+B13+1","v":12}," Financial attitudes and motivations","Attitudes to the future","People have concrete short to medium term financial goals and/or longer term aspirations\n",null,"Fincap (D2)","Adapted","A) Which, if any, of these financial goals do you have for the next five years?\nPLEASE SELECT ALL THAT APPLY \n1. Just making ends meet day to day\n2. Paying off my debts/reducing debts\n3. To buy, rent or move house\n4. Saving money for a wedding\n5. Saving money to start a family/have another child\n6. Saving money for education (for me or my children)\n7. Saving money to help grown-up children to buy/rent  a home\n8. Saving money for a holiday\n9. Saving money for retirement\n10. Saving money for home improvements\n11. Saving money to purchase a car/van/motorbike\n12. Saving money generally\n13. Other (please specify)\n14. None of these (SINGLE CODE ONLY)\n\nFOR EACH CODED ABOVE\nB) How much of a plan do you have about how you will achieve your financial goal for <ANSWER FROM ABOVE>. \nPlease answer on a scale of 0 to 10, where 0 means you don’t have a plan of what you need to do and 10 means you have a very specific plan of what you need to do.\n0 I don’t have a plan of what I need to do, I just know I want to do it\n...\n10 I have a very specific plan of what I need to do\nDon’t know","Yes","Sufficiently changed that requires re-testing","No","For B) use a visual 0 to 10 scale with the statements indicated attached the extremes."]
[null,13," Financial attitudes and motivations","Attitudes to the future","People have concrete short to medium term financial goals and/or longer term aspirations\n","People are confident that they will achieve retirement income goals\n","BASE QCstali ","Adapted","Taking all this into account, how confident are you that your household income in retirement will (continue to) give you the standard of living you hope for? \nCHOOSE ONE ONLY\n1. Very confident\n2. Fairly confident\n3. Not very confident\n4. Not at all confident\n5. Don’t know","Yes","Does this work for people in retirement? (previous version was for pre-retirement only)","No"]
[null,14," Financial attitudes and motivations","Attitudes to the future","People anticipate and plan for less positive scenarios (eg. planning for care costs) \n\n","Engagement with the provision of  care needs","NI Life & Times survey 2010 (careplan/Q15)","Adapted","Have you thought about or made any plans about how you might fund any care and support needs as you get older?\nCODES 4,5,6,7 CAN BE MULTI-CODED\n1 I've thought about it but haven t done anything specific \n2 I haven t really thought about it\n3 I don’t think there is anything I can do to plan\nfor this now/I can’t afford to make any such plans\n4 I am saving money which I could use for these kinds of needs(eg insurance, savings, pension, investment, care plan etc)\n5 I am buying/have bought a property and would be willing to use  its value to pay for care needs in the\nfuture\n6 I expect my family to help fund any such care\n7 Other (please specify)\n8 Don't know\n","Yes","Some adaptations against original plus need to check for up-to-dateness.","No"]
[null,15," Financial attitudes and motivations","Attitudes to the future","People anticipate and plan for less positive scenarios (eg. planning for care costs) \n\n","Engagement with the risk of changes to tax/benefits","NI Life & Times survey 2010 (careplan/Q15)","Changed","Have you thought about or made any plans about how you might cope financially with an unexpected fall in household income due to changes to tax or benefits?\nCODES 4,5,6 CAN BE MULTI-CODED\n1 I've thought about it but haven't done anything specific \n2 I haven t really thought about it\n3 I don’t think there is anything I can do to plan\nfor this now/I can’t afford to make any such plans\n4 I am saving money which I could use for these kinds of eventuality (eg savings, investment,  etc)\n5 I would expect my family to help me out financially\n6 Other (please specify)\n7 Don't know\n","Yes","Some adaptations against original plus need to check for up-to-dateness.","No"]
[null,{"$f":"+B17+1","v":16}," Financial attitudes and motivations","Attitudes to the future","People anticipate and plan for less positive scenarios (eg. planning for care costs) \n\n","Engagement with the risk of a drop in income","NI Life & Times survey 2010 (careplan/Q15)","Changed","Have you thought about or made any plans about how you might cope financially with an unexpected fall in household income for example due to redundancy or ill-health?\nCODES 4,5,6 CAN BE MULTI-CODED\n1 I've thought about it but haven't done anything specific \n2 I haven t really thought about it\n3 I don’t think there is anything I can do to plan\nfor this now/I can’t afford to make any such plans\n4 I am saving money which I could use for these kinds of needs(eg savings, investment,  etc)\n5 I have an income-protection insurance policy to cover these tyopes of eventuality\n6 I would expect my family to help me out financially\n7 Other (please specify)\n8 Don't know\n","Yes","Some adaptations against original plus need to check for up-to-dateness.","No"]
[null,17," Financial attitudes and motivations","Attitudes to the future","People anticipate and plan for less positive scenarios (eg. planning for care costs) \n\n","Engagement with the risk of an interest rate rise affecting mortgage payments","NI Life & Times survey 2010 (careplan/Q15)","Changed","Have you thought about or made any plans about how you might cope financially with extra mortgage costs associated with an interest rate rise?\nCODES 4,5,6,7 CAN BE MULTI-CODED\n1 I've thought about it but haven t done anything specific \n2 I haven t really thought about it\n3 I don’t think there is anything I can do to plan\nfor this now/I can’t afford to make any such plans\n4 I am saving money which I could use for these kinds of needs(eg insurance, savings, investment,  etc)\n5 I am considering switching to a different mortgage product \n6 I would expect my family to help me out financially\n7 Other (please specify)\n8 Don't know\n","Yes","Some adaptations against original plus need to check for up-to-dateness.","No","For those with a mortgage only"]
[null,18," Financial attitudes and motivations","Attitudes to financial institutions","People trust financial institutions (such as banks and credit unions) to provide them with appropriate products, services and advice\n\n\n",null,"x","New"," How much do you agree or disagree with each of the following statements?  \n\n - There is no point taking out insurance as they rarely pay out when something goes wrong \n - I  trust pension providers to act in my best interests \n - I trust pension providers to make the most of money that people pay in\n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know","Yes","All are new and untested (apart from the first one)","No","If administering on paper/web can set this up s a grid with Agree/Disagree scale along the top"]
[]
[null,19,"General attitudes and motivations (applied to money)","Self-confidence","People have confidence in their approach to budgetting \n\n",null,"Fincap (I8)","Original","Thinking overall about your (and your partner/spouse’s) approach to keeping track of income and expenditure, how well do you think this approach works?\n\nPlease answer on a scale of 0 to 10, where 0 means not at all well and 10 means very well\n\n0…10 scale\nDon't know","No",null,"No","Use a visual 0 to 10 scale with the statements indicated attached the extremes."]
[null,20,"General attitudes and motivations (applied to money)","Self-confidence","People feel in control of their financial situation\n",null,"Fincap (O2C)","Original except *","How much do you agree or disagree with each of the following statements?  \n \n- I am very organised when it comes to managing my money day to day\n - I feel in control of my finances*\n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know\n \n","No","For * terms widely used and understood","No","If administering on paper/web can set this up s a grid with Agree/Disagree scale along the top"]
[null,21,"General attitudes and motivations (applied to money)","Self-confidence","People have the confidence to question or challenge financial advice they are given \n\n",null,"SEG (B1)","Original","How much do you agree or disagree with the following statement?  \n \n- When dealing with companies or making purchases, I would consider myself to be a confident and savvy customer\n \n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know\n","Yes","Second statement is new and requires testing to check understanding of term \"creditors\". ","No"]
[null,{"$f":"+B24+1","v":22},"General attitudes and motivations (applied to money)","Self-confidence","People have the confidence to question or challenge financial advice they are given\n",null,"x","New","How confident would you feel  talking to people who can give you advice about money\n\n1.Very confident \n2. Fairly confident \n3. Not very confident \n4. Not at all confident\n5. Don't know\n","Yes","New questions","No"]
[null,23,"General attitudes and motivations (applied to money)","Self-confidence","People have the confidence to question or challenge their creditors\n",null,"x","New","A) - If you owed money, how confident would you feel negotiating with creditors or organisations you owe money to\n\n\n1.Very confident \n2. Fairly confident \n3. Not very confident \n4. Not at all confident\n5. Don't know\n","Yes","New questions","No"]
[null,24,"General attitudes and motivations (applied to money)","Self-confidence","People have the confidence to choose appropriate products/services",null,"Fincap (B4)","Original","How confident do you feel making decisions about financial products and services?  \n\nPlease answer on a scale of 0 to 10, where 0 is ‘not at all confident and 10 is ‘very confident\n 0…10 scale\nDon't know\n","No",null,"No","Use a visual 0 to 10 scale with the statements indicated attached the extremes."]
[null,25,"General attitudes and motivations (applied to money)","Self-confidence","People have the confidence to choose an appropriate pension product",null,"AtP (QA19,21,31)","Original","How much do you agree or disagree with each of the following statements?  \n \n - I know enough about pensions to decide with confidence  how to save for my retirement \n - Sometimes pensions seem so complicated that I cannot really understand the best thing to do \n - Dealing with pensions scares me \n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know","No",null,"No","If administering on paper/web can set this up s a grid with Agree/Disagree scale along the top"]
[null,26,"General attitudes and motivations (applied to money)","Self-control","People are able to abstain from/delay spending in order to live within their means and save for the future\n\n",null,"SEG (c44)/OECD (F10)","Original though first one is adapted","How much do you agree or disagree with each of the following statements?  \n \n- I tend to buy things even when I can’t really afford them\n - I tend to live for today and let tomorrow take care of itself  \n - I find it more satisfying to spend money than to save it for the long term \n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know","No - First statement represents minor adpatation only",null,"No","If administering on paper/web can set this up s a grid with Agree/Disagree scale along the top"]
[null,27,"General attitudes and motivations (applied to money)","Adaptability",null,null,"Fincap (O4B)","Original"," I am prepared to adjust the amount of money I spend on non-essentials if my life changes: 0 (does not sound like me at all) to 10 (sounds a lot like me)\n\n0…10 scale\nDon't know","No",null,"No","Use a visual 0 to 10 scale with the statements indicated attached the extremes."]

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[null,null,"In this section we use some stem questions which are used throughout the Ability framework.  The main questions are indicated here and referenced in the matrix."]
[null,null,"STEM Question","Wording",null,null,"User notes"]
[null,null,"STEM Question A","[FLEXIBLE QUESTION = CHOOSE/ADD OPTIONS AS APPLICABLE]\nWhich of these statements best describes how knowledgeable you feel about...\n\n - Bank accounts\n - Credit cards\n - Mortgages\n - Savings accounts \n - Credit Unions\n - Investments\n - Pensions\n - Insurance\n - The different types of financial fraud\n - the different types of loans and credit' \n[OTHERS]\n\nI have a good knowledge\nI have a reasonable knowledge\nI have a basic knowledge but do not understand the details\nMy knowledge is very limited \nI know nothing about this\n",null,null,"This question is flexible and items can be added according to relevance to intervention.  Can be set up as a grid if used in a web/self -completion setting with products down the side, responses along the top.  Note that although we have \"don't know\" as standard on most questions, in this case it would be confusing to include this given the nature of the question.  "]
[null,null,"STEM Question B","[FLEXIBLE QUESTION = CHOOSE/ADD OPTIONS AS APPLICABLE]\nWhich of these statements best describes your ability in ...\n - Using a price comparison website\n - Checking the balance on your bank account\n - Creating a weekly or monthly household budget\n - Comparing different insurance products to check you are getting the best deal\n - Comparing different savings products to check you are getting the account which is best for you\n   - Comparing different loans and credit products to check you are getting the best product for you\n - Checking you are getting all benefits you are entitled to\n - Checking how much pension income you will get when you retire\n - Planning a pension that will provide you with the income in retirement that you require \n-  Checking that you are paying the correct amount of tax\n - Protecting yourself from online financial fraud\n - Accessing advice if you need help with my finances\n - Taking out a mortgage\n - Working out how to calculate your monthly mortgage payments in the event of an interest rate rise\n - Working out the total cost of a loan or credit purchase such as Brighthouse  (by \"total cost\" we mean the amount you have to pay in total including interest and charge)\n - Working out which household bills should take priority over others\n[OTHERS]\n1. I  have a clear idea about how to do this\n2. I have some idea about how to do this\n3. My knowledge is limited - I know a little bit about this but no more\n3. I  have no idea about how to do this\nDon’t know\n[Not applicable]",null,null,"This question is flexible and items can be added according to relevance to intervention.  Can be set up as a grid if used in a web/self -completion setting with behaviours down the side, responses along the top.  If relevance of items will vary by client then add a \"not applicable\" to the response list.\n\n"]
[null,null,"Quiz-style questions","Questions that fit into this format have been labelled with a \"QUIZ\" indicator.",null,null,"Quiz-style questions can be a better way of measuring knowledge as they are objective.  Questions which rely on self-reported knowledge are more subjective and can sometimes be a measure of confidence as opposed to knowledge.  If using quiz-style questions it is advisable to open these with a soft introduction eg \"I would like to ask you some questions more in the style of a quiz.  It doesn't matter whether the answer you give is right or wrong.  We just want to find out what people understand so we can make sure we are giving the right advice.\""]
[]
[null,null,"Higher level outcome","Lower level outcome","Indicator","Original source","Final framework question","Can the question be asked via all modes (e.g. self-completion, face to face, phone)?","Require testing? (Yes, No, Potentially)","Reasons for testing (if applicable)","Adapt for pre/post?","Notes for users"]
[null,"Financial knowledge and understanding"]
[null,{"$f":"SUBTOTAL(3, F$6:F7)","v":1},"Financial knowledge and understanding","Understanding financial concepts, products and situations","People are able to answer basic questions around different financial products e.g. bank accounts, loan types and investments.\n\n","x","See STEM A Which of these statements best describes how knowledgeable you feel about…[LIST OF PRODUCTS]\n\nI have a good knowledge\nI have a reasonable knowledge\nI have a basic knowledge but do not understand the details\nMy knowledge is very limited \nI know nothing about this\n","Yes","Yes","STEM A is a new question ","No","This question can be used in its entirety or to select relevant items. See STEM A notes"]
[null,{"$f":"+B9+1","v":2},"Financial knowledge and understanding","Understanding financial concepts, products and situations","People understand basic financial concepts and are able to answer basic questions around interest rates, loan types, investment, inflation etc.\n\n","x","See STEM B Which of these statements best describes your ability in … [LIST OF FINANCIAL BEHAVIOURS]\n\nI.  have a clear idea about how to do this\n2. I have some idea about how to do this\n3. My knowledge is limited - I know a little bit about this but no more\n3. I  have no idea about how to do this\nDon’t know","Yes","Yes","STEM B is a new question ","No","This question can be used in its entirety or to select relevant items. See STEM B notes"]
[null,{"$f":"+B10+1","v":3},"Financial knowledge and understanding","Understanding financial concepts, products and situations","People are able to answer basic questions about interest rates and savings  \n","Fincap (N3)","QUIZ Suppose you put £100 into a savings account with a guaranteed interest rate of 2% per year. You don’t make any further payments into this account and you don’t withdraw any money.\n\nHow much would be in the account at the end of the first year, once the interest payment is made?\n1: A. £120\n2: B. £140\n3: C. £104\n4: D. £102","Yes  - though best suited to visual presentation, more difficult to administer on the phone","Yes","Question has been adapted and put into a multi-choice format rather than open format as this is likely to be simpler to use in a provider setting","No","Correct answer D."]
[null,4,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People are able to answer basic questions about the interest rates and loans \n\n\n\n","PDL (Q97a)","QUIZ You have taken out a loan for £500, and the interest rate you are charged is 10 percent per month. There are no other fees. At this interest rate, how much money would you owe in total after one month?\n\nA £505\nB £550\nC £510\nD £600\n","Yes  - though best suited to visual presentation, more difficult to administer on the phone","Yes","Question has been adapted and put into a multi-choice format rather than open format as this is likely to be simpler to use in a provider setting","No","Correct answer B."]
[null,5,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People are able to answer basic questions about the interest rates and loans \n\n","x","See STEM B Which of these statements best describes your ability in … \n\n - Working out how to calculate your monthly mortgage payments in the event of an interest rate rise\n - Working out the total cost of a loan or credit purchase such as Brighthouse  (by \"total cost\" we mean the amount you have to pay in total including interest and charges)\n\nI.  have a clear idea about how to do this\n2. I have some idea about how to do this\n3. My knowledge is limited - I know a little bit about this but no more\n3. I  have no idea about how to do this\nDon’t know","Yes","Yes","STEM B is a new question ","No","See STEM B notes"]
[null,6,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People understand basic financial concepts and are able to answer basic questions around interest rates and inflation \n","Fincap (N2)","QUIZ If the inflation rate is 5% and the interest rate you get on your savings is 3%, will your savings have more, less or the same amount of buying power in a year’s time?\n1. More\n2. The same\n3. Less\n4. Don’t know","Yes","Yes","Need to re-ensure that the concept of \"buying power\" is fully understood. Possible alternative wording: \"After one year, would the money in the account buy more than it does today, exactly the same or less than today?\"","No","Correct answer \"Less\"."]
[null,7,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People understand basic financial concepts and are able to answer basic questions around inflation\n","OECD (QK7)","QUIZI would like to know whether you think the following statements are true or false.....\n\n - An investment with a high return is likely to be low risk*\n - High inflation means that the cost of living is increasing rapidly  \n - It is usually possible to reduce the risk of investing in the stock market by buying a wide range of stocks and shares \n - It will cost you more to borrow on money on a loan with a low APR than a loan with a high APR* \n\nTrue\nFalse\nDon't know","Yes","Yes","Some new and changed questions here (see  *)","No","Correct answers: False, True, True, False."]
[null,8,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People understand basic financial concepts and are able to answer basic questions around investment\n\n","OECD (QK7)","QUIZ I would like to know whether you think the following statements are true or false.....\n\n - An investment with a high return is likely to be low risk* \n - High inflation means that the cost of living is increasing rapidly \n - It is usually possible to reduce the risk of investing in the stock market by buying a wide range of stocks and shares. \n - It will cost you more to borrow on money on a loan with a low APR than a loan with a high APR*\n\nTrue\nFalse\nDon't know","Yes","Yes","Some new and changed questions here (see  *)","No","Correct answers: False, True, True, False."]
[null,9,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People understand basic financial concepts and are able to answer basic questions around loan types\n","OECD (QK7)","QUIZ I would like to know whether you think the following statements are true or false.....\n\n - An investment with a high return is likely to be low risk *\n - High inflation means that the cost of living is increasing rapidly \n - It is usually possible to reduce the risk of investing in the stock market by buying a wide range of stocks and shares. \n - For a six month loan, it will cost you more to borrow money on a loan with a low APR than a loan with a high APR*\n\nTrue\nFalse\nDon't know","Yes","Yes","Some new and changed questions here (see  *)","No","Correct answers: False, True, True, False."]
[null,10,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People understand basic financial concepts and are able to answer basic questions around loan types\n","x","See STEM A Which of these statements best describes how knowledgeable you feel about…\n\n  - the different types of loans and credit\n\nI have a good knowledge\nI have a reasonable knowledge\nI have a basic knowledge but do not understand the details\nMy knowledge is very limited \nI know nothing about this\n",null,"Yes","STEM A is a new question "]
[null,11,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People understand basic financial concepts and are able to answer basic questions around loan types\n","x","See STEM B Which of these statements best describes your ability in … \n - Comparing different loans and credit products to check you are getting the best product for you\n\nI.  have a clear idea about how to do this\n2. I have some idea about how to do this\n3. My knowledge is limited - I know a little bit about this but no more\n3. I  have no idea about how to do this\nDon’t know","Yes","Yes","STEM B is a new question ","No","See STEM B notes"]
[null,12,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People are able to check their bank balance","x","See STEM B Which of these statements best describes your ability in … \n  - Checking the balance on your bank account\n\nI.  have a clear idea about how to do this\n2. I have some idea about how to do this\n3. My knowledge is limited - I know a little bit about this but no more\n3. I  have no idea about how to do this\nDon’t know","Yes","Yes","STEM B is a new question ","No","See STEM B notes"]
[null,13,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People understand different insurance products and can assess which options are right for them\n","x","See STEM B Which of these statements best describes your ability in … \n -  Comparing different insurance products to check you are getting the one that is best for you\n\n I.  have a clear idea about how to do this\n2. I have some idea about how to do this\n3. My knowledge is limited - I know a little bit about this but no more\n3. I  have no idea about how to do this\nDon’t know","Yes","Yes","STEM B is a new question ","No","See STEM B notes"]
[null,14,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People understand different types of savings vehicles, and can assess which options are right for them\n","x","See STEM B Which of these statements best describes your ability in … \n  - Comparing different savings products to check you are getting the account which is best for you\n\n I.  have a clear idea about how to do this\n2. I have some idea about how to do this\n3. My knowledge is limited - I know a little bit about this but no more\n3. I  have no idea about how to do this\nDon’t know","Yes","Yes","STEM B is a new question ","No","See STEM B notes"]
[null,15,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People understand concepts, products and options relevant to their issue, life stage or event eg, pensions\n\n","x","See STEM B\n- Checking how much pension income you will get when you retire\n -Making decisions about a pension that will provide you with the income in retirement that you require \n\nI.  have a clear idea about how to do this\n2. I have some idea about how to do this\n3. My knowledge is limited - I know a little bit about this but no more\n3. I  have no idea about how to do this\nDon’t know","Yes","Yes","STEM B is a new question ","No","See STEM B notes"]
[null,16,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People understand concepts, products and options relevant to their issue, life stage or event eg. Mortgages","x","See STEM B Which of these statements best describes your ability in … \n - Applying for a mortgage\n  - [IF RELEVANT] Calculating your monthly mortgage payments in the event of an interest rate rise\n\nI.  have a clear idea about how to do this\n2. I have some idea about how to do this\n3. My knowledge is limited - I know a little bit about this but no more\n3. I  have no idea about how to do this\nDon’t know","Yes","Yes","STEM B is a new question ","No","See STEM B notes"]
[null,17,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People understand concepts, products and options relevant to their issue, life stage or event eg. problem debt","DAE (Q25)","How well do you understand each of the following:\na) the steps you need to take to sort out  debts or arrears?. \nb) the different options available for sorting out debt problems \nc) the fees that are charged for debt solutions such as bankruptcy, Debt Relief Orders, and Debt Management Plans \nd)  the steps I should take if I am not able to pay creditors \ne) my rights if creditors try to recover  money owed to them \nf) the steps that creditors can take to recover money owed to them \n\n1. A great deal\n2. A fair amount\n3. Only a little\n4. Not at all\n5. Don't know\n\n\n","Yes","Yes","Question has been adapted to suit a different format.","No"]
[null,18,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People know where to go for advice, guidance and tools about their financial situation, in person, by phone and using digital resources","Fincap (F2)","Which, if any, of these providers of advice on your money you have ever heard of, even if you’re not very familiar with them?\n\nSELECT ALL THAT APPLY\n\n1. Money Advice Service\n2.Citizen’s Advice Bureau\n3.Money Sense\n4.Which?\n5.Money Saving Expert (Martin Lewis)\n6.Other price comparison sites (e.g. Moneysupermarket, Comparethemarket)\n7.Directgov (gov.co.uk)\n8.Alvin Hall\n9. Consumer Credit Counselling Service (CCCS)/StepChange\n10. National Debtline\n[ADD OTHER RELEVANT ORGANISATIONS/SITES]\n11. None of these\n","Yes\n","Potentially","Might be worth checking that list is comprehensive (though may differ depending on local area)","No","NB - This question only captures awareness of providers and by prompting users there is a risk that reported awareness will not be a reliable indicator of where they would look for information unprompted. Users should consider an open-ended question to capture unprompted awareness \n\nFlexible question: can adapt list as relevant."]
[null,19,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People know where to go for advice, guidance and tools about their financial situation, in person, by phone and using digital resources","x","See STEM B Which of these statements best describes your ability in … \n - Accessing advice if you need help with your finances\n\nI.  have a clear idea about how to do this\n2. I have some idea about how to do this\n3. My knowledge is limited - I know a little bit about this but no more\n3. I  have no idea about how to do this\nDon’t know","Yes","Yes","STEM B is a new question ","No","See STEM B notes"]
[null,20,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People understand the main types of financial fraud and how to protect themselves from it","x","See STEM A Which of these statements best describes how knowledgeable you feel about...\n - The different types of financial fraud\n\nI have a good knowledge\nI have a reasonable knowledge\nI have a basic knowledge but do not understand the details\nMy knowledge is very limited \nI know nothing about this\n\nSee STEM B Which of these statements best describes your ability in … \n - Protecting yourself from online financial fraud\n\nI.  have a clear idea about how to do this\n2. I have some idea about how to do this\n3. My knowledge is limited - I know a little bit about this but no more\n3. I  have no idea about how to do this\nDon’t know\n\n\n","Yes","Yes","STEM A/ STEM B are new question ","No","See STEM A/STEM B notes"]
[null,21,"Financial knowledge and understanding","Understanding own financial situation","People understand the steps they should take to deal with problem debts and their rights","DAE (Q25)"," How well do you understand each of the following:\na) the steps you need to take to sort out  debts or arrears?. \nb) the different options available for sorting out debt problems \nc) the fees that are charged for debt solutions such as bankruptcy, Debt Relief Orders, and Debt Management Plans \nd)  the steps I should take if I am not able to pay my creditors \ne) my rights when creditors try to recover the money owed to them \nf) the steps that creditors can take to recover money owed to them \n\nA great deal\nA fair amount\nOnly a little\nNot at all","Yes","Yes","Question has been adapted to suit a different format.","No"]
[null,22,"Financial knowledge and understanding","Understanding money management","People understand the principles of budgeting and can develop a budget suited to their needs","x","See STEM B Which of these statements best describes your ability in … \n -   creating a weekly or monthly household budget\n\nI.  have a clear idea about how to do this\n2. I have some idea about how to do this\n3. My knowledge is limited - I know a little bit about this but no more\n3. I  have no idea about how to do this\nDon’t know","Yes","Yes","STEM B is a new question ","No","See STEM B notes"]
[null,23,"Financial knowledge and understanding","Understanding money management","People know how to make their money go further","x","See STEM B Which of these statements best describes your ability in … \n - using a price comparison website \n -  comparing different insurance products accounts to check you are getting the best deal\n -  comparing different savings products to check you are getting the account which is best for you\n -  checking you are getting all benefits you are entitled to;\n -  checking that you are paying the correct amount of tax\n\nI.  have a clear idea about how to do this\n2. I have some idea about how to do this\n3. My knowledge is limited - I know a little bit about this but no more\n3. I  have no idea about how to do this\nDon’t know\n","Yes","Yes","STEM B is a new question ","No","See STEM B notes"]
[null,"Basic skills"]
[null,{"$f":"+B31+1","v":24},"Basic skills","Applied numeracy","People can successfully apply mathematical skills to financial problems","CDS (Q28)","QUIZ The same TV is on sale in both shop A and B. In Shop A it is priced at £400.  In Shop B it is on sale for £500 with 10% discount.  Which one is cheaper? \n\n1:  The one sold in shop A \n2: The one sold in shop B \n3: They are both the same price \n4. Don't know","Yes ","Yes","Has been adapted to suit a unimodal context and therefore would be helpful to check it still works ok.","No","Correct answer: Shop A"]
[null,{"$f":"+B33+1","v":25},"Basic skills","Applied numeracy","People can successfully apply mathematical skills to financial problems","SKILL (Bqmath)","And how good are you at each of the following:\n\na) working with numbers when you need to in everyday life? For example working out your wages or benefits, or checking bills and statements?\n b)  writing in English when you need to in daily life? For example: writing letters or notes or filling in official forms?\nc) reading in English when you need to? For example\nreading newspapers and magazines or reading letters, paperwork or forms?\n\n1. Very good \n2. Fairly good \n3. Below average \n4. Poor \n5. No opinion. \n6, Don't Know  ","Yes","No",null,"No"]
[null,{"$f":"+B34+1","v":26},"Basic skills","Literacy","People have the level of literacy needed to fill in forms and write formal letters in English (or Welsh in Wales)","SKILL (bqwrite)","And how good are you at each of the following:\n\na) working with numbers when you need to in everyday life? For example working out your wages or benefits, or checking bills and statements?\n b)  writing in English when you need to in daily life? For example: writing letters or notes or filling in official forms?\nc) reading in English when you need to? For example\nreading newspapers and magazines or reading letters, paperwork or forms?\n\n1. Very good \n2. Fairly good \n3. Below average \n4. Poor \n5. No opinion. \n6, Don't Know  ","If someone has literacy problems, then this question may be problematic in a self-completion setting","No",null,"No"]
[null,27,"Basic skills","Literacy","People have the level of literacy needed to read and understand information about financial products and services in English (or Welsh in Wales)","SKILL (bqread)","And how good are you at each of the following:\n\na) working with numbers when you need to in everyday life? For example working out your wages or benefits, or checking bills and statements?\n b)  writing in English when you need to in daily life? For example: writing letters or notes or filling in official forms?\nc) reading in English when you need to? For example reading newspapers and magazines or reading letters, paperwork or forms?\n\n1. Very good \n2. Fairly good \n3. Below average \n4. Poor \n5. No opinion. \n6, Don't Know  ","If someone has literacy problems, then this question may be problematic in a self-completion setting","No - Changes to question structure only rather than wording",null,"No"]
[null,28,"Basic skills","Digital literacy","People are able to use financial/money-related online services eg. forms, tools, emails, and online banking\n","DSK (2.3)","A) Do you access to the internet at home or elsewhere?\nYes\nNo\nDon't know\n\nIF DO HAVE ACCESS\nB) I’d like you to think about different commercial transactions people do in their everyday lives like banking or shopping. How easy do you find it to use the internet for the following purposes? \na) Buying a product online\nb) Making travel reservations/bookings\nc) Paying bills\nd) Using your bank’s online services\ne) Comparing products and services\nf) Ordering groceries or food online\ng) Selling things online\nh) Finding the location of a house,  office, store or restaurant \n\n1. Several times a day\n2. Daily\n3. Weekly\n4. Monthly\n5. Less than monthly\n6. Never\n7. Don't know\n","Yes","No",null,"No"]
[null,29,"Basic skills","Digital literacy","People are able to navigate online content and locate the information they need\n\n","DSK (1.1.3a)","How would you rate your ability to use the\nInternet?\n1. Excellent\n2. Good\n3. Fair\n4. Poor\n5. Bad\n6. Don’t know","Yes","No",null,"No"]
[null,30,"Basic skills","Digital literacy","People are able to navigate online content and locate the information they need\n\n","SEG (P5)","To what extent do you agree or disagree with the following statements?\n\n- When I need information the first place I look is the internet\n - I find it easy to find what I am looking for online\n - I would rather look at information in a paper leaflet than on a company’s website\n\nStrongly Agree\nTend to Agree\nTend to disagree\nStrongly  disagree\nDon’t know\nDoes not apply to me\n ","Yes","No",null,"No"]
[null,31,"Basic skills","Communication","People are able to confidently interact with others in English (or Welsh in Wales)\n\n","x","Can I check, is English your first language?  Yes/No\n\n[IF NO]  So can I check would you have any difficulty speaking in English to a member of staff in a bank about choosing a financial product?\n1. Yes\n2. No\n\n\n","Yes","Potentially","Though might be difficult finding people who lack English skills to icnlude within a cog test","No","Can also extend this to include reading and writing in English if not using the basic skills questions above."]
[null,32,"Basic skills","Communication","People are able to confidently interact with others in English (or Welsh in Wales)\n\n","x","Can I check, is English or Welsh your first language?  \nYes - English\nYes - Welsh\nNo, neither\n\n[IF NEITHER]  So can I check would you have any difficulty speaking in English or Welsh to a member of staff in a bank about choosing a financial product?\n1. Yes\n2. No\n","Yes","No - Standard phrasing",null,"No","Welsh language version of the above"]