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[null,null,"Adult Outcomes Frameworks"]
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[null,null,"Welcome to the Adults Outcomes 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,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 view the guidance and see all the questions you have selected so far"]
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[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Longer-term financial security ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Seeking advice & guidance"]
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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","World Bank/Russian Federation Financial Capability (pgs72-111*): http://www.finlitedu.org/team-downloads/measurement/measuring-financial-capability-questionnaires-and-implementation-guidance-for-low-and-middle-income-countries.pdf. For precise question wording, uses: http://responsiblefinance.worldbank.org/surveys/demand/exploreeconomies/tajikistan/~/media/GIAWB/FL/Documents/Questionnaire/tajikistan-Questionnaire.pdf"]
[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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[]
[]
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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,"Adult Outcome Frameworks"]
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[null,"Current Financial Wellbeing"]
[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,"Higher level outcome","Lower level outcome","Indicator","Question","Building Block Y/N","Question"]
[null,"Current financial wellbeing","Able to live (adequately) within means","Satisfaction with financial circumstances ","How satisfied are you with your overall financial circumstances? \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\n10 Completely satisfied\nDon’t know","Y",1]

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[null,null,"Adult Outcome Frameworks"]
[]
[null,"Current Financial Wellbeing"]
[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,"Higher level outcome","Lower level outcome","Indicator","Question","Building Block Y/N","Question"]
[null,"Current financial wellbeing","Able to live (adequately) within means","Regularity of running out of money ","How often do you and your household run out of money before the end of the week or month or needed to use a credit card or overdraft to get by? Would you say it was ...\n1. Always\n2. Most of the time\n3. Sometimes\n4. Hardly ever\n5. Never\n6. Don’t know","N",2]
[null,"Current financial wellbeing","Able to keep up with bills ","Self-reported keeping up with bills and commitments","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. Keeping up without any difficulties\n2. It is a struggle from time to time \n3. It is a constant struggle\n4. Falling behind with some bills or credit commitments\n5. Having real financial problems and have fallen behind with many bills or credit commitments  \n6. Don’t have any bills or credit commitments\n7. Don't know\n8. Prefer not to say","Y",3]
[null,"Current financial wellbeing","Bills / credit commitments are not a burden ","Self-reported burden of bills and commitments","To what extent do you feel that keeping up with your bills and credit commitments is a burden?\n1. It is not a burden at all\n2. It is somewhat of a burden \n3. It is a heavy burden\n4. Don't know\n","Y",4]
[null,"Current financial wellbeing","Not experiencing material deprivation","Regularity of being unable to pay for essentials ","How often do you and your household go without essential items due to a lack of money? This might include being unable to pay bills, buy food or pay for heating.\n1. Always\n2. Most of the time\n3. Sometimes\n4. Hardly ever\n5. Never\n6. Don’t know","N",5]
[null,"Current financial wellbeing","Not experiencing material deprivation","Number of expenses considered affordable","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)","N",6]

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[null,null,"Adult Outcome Frameworks"]
[]
[null,"Financial Wellbeing - ****"]
[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,"Higher level outcome","Lower level outcome","Indicator","Question","Building Block Y/N","Question"]
["Building Block measure","Current financial wellbeing","Able to live (adequately) within means","Satisfaction with financial circumstances ","How satisfied are you with your overall financial circumstances? \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","Y",1]
["Building Block measure","Current financial wellbeing","Able to keep up with bills ","Self-reported keeping up with bills and commitments","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. Keeping up without any difficulties\n2. It is a struggle from time to time \n3. It is a constant struggle\n4. Falling behind with some bills or credit commitments\n5. Having real financial problems and have fallen behind with many bills or credit commitments  \n6. Don’t have any bills or credit commitments\n7. Don't know\n8. Prefer not to say","Y",3]
["Building Block measure","Current financial wellbeing","Bills / credit commitments are not a burden ","Self-reported burden of bills and commitments","To what extent do you feel that keeping up with your bills and credit commitments is a burden?\n1. It is not a burden at all\n2. It is somewhat of a burden \n3. It is a heavy burden\n4. Don't know\n","Y",4]
["Building Block measure","Finances and emotional/mental wellbeing",null,"Level of anxiety about finances ","To what extent do you agree or disagree with the following statements?\nB. Thinking about my financial situation makes me anxious\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know","Y",11]
[null,"Finances and emotional/mental wellbeing",null,"Effect of finances on mental health ","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 these do you experience because of your or your household's financial situation?\n1. Stress or anxiety\n2. Low mood or depression\n3. Self-harm or suicidal thoughts\n4. Difficulty concentrating or relaxing\n5. Difficulty sleeping\n6. Panic attacks\n7. Family tension or arguments\n8. Domestic abuse or violence\n9. Poor/loss of appetite or eating too much\n10. Increased use of alcohol \n11. Misuse of prescription or over-the-counter drugs\n12. Use of illicit (illegal) drugs or legal highs\n13. Other (specify) \n14. Not experienced any of these\n15. Prefer not to say\n16. Don't know\n","N",12]
["Building Block measure","Current financial wellbeing","Able to pay unexpected bills","Capacity to pay an unexpected bill of £300","Thinking about an unexpected bill of £300 that you have to pay within seven days from today, which of the following would you do? \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","Y",7]

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[null,"Financial Wellbeing - ****"]
[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,"Higher level outcome","Lower level outcome","Indicator","Question","Building Block Y/N","Question"]
[null,"Current financial wellbeing","Able to live (adequately) within means","Regularity of running out of money ","How often do you and your household run out of money before the end of the week or month or needed to use a credit card or overdraft to get by? Would you say it was ...\n1. Always\n2. Most of the time\n3. Sometimes\n4. Hardly ever\n5. Never\n6. Don’t know","N",2]
[null,"Current financial wellbeing","Not experiencing material deprivation","Regularity of being unable to pay for essentials ","How often do you and your household go without essential items due to a lack of money? This might include being unable to pay bills, buy food or pay for heating.\n1. Always\n2. Most of the time\n3. Sometimes\n4. Hardly ever\n5. Never\n6. Don’t know","N",5]
[null,"Current financial wellbeing","Not experiencing material deprivation","Number of expenses considered affordable","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)","N",6]

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[null,null,"Adult Outcome Frameworks"]
[]
[null,"Financial Wellbeing - ****"]
[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,"Higher level outcome","Lower level outcome","Indicator","Question","Building Block Y/N","Question"]
["Building Block measure","Longer term financial security","Able to withstand a significant financial shock ","Ratio of savings to income","See 'means' section of framework for savings and income questions","Y",8]
["Building Block measure","Longer term financial security","Able to withstand a significant financial shock ","Number of insurance and protection products","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)","Y",9]
["Building Block measure","Longer term financial security","Able to withstand a significant financial shock ","Number of types of longer term savings products ","Do you currently have savings or investments in any of the following? Please do not include any money that you have saved in a pension. \n1. In a savings account \n2. In an ISA\n3. In a cash / money box\n4. In a credit union account\n5. In a savings club (e.g. Christmas savings club)\n6. Premium bonds\n7. In a current account\n8. In investments/stocks & shares\n9. Other (please specify) \n10. I do not have any savings (SINGLE CODE ONLY)\n11. Prefer not to say (SINGLE CODE ONLY)","Y",10]

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[null,"Financial Wellbeing - ****"]
[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,"Higher level outcome","Lower level outcome","Indicator","Question","Building Block Y/N","Question"]
[null,"Confindent about financial future",null,"Level of confidence in future finances ","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","N",13]

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[null,null,"Adult Outcome Frameworks"]
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[null,"Financial Wellbeing - ****"]
[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,"Higher level outcome","Lower level outcome","Indicator","Question","Building Block Y/N","Question"]
["Building Block measure","Managing credit use","Reducing the value of unsecured borrowing","Total unsecured borrowing","If you added up all of your  balances on credit cards, store cards, personal loans, hire purchase, car finance arrangements and student loans, approximately how much do you owe in total? ","Y",14]
["Building Block measure","Managing credit use","Planning how to pay down debt ","Quality of plan for paying down debt ","How much of a plan do you have about how you will pay off or reduce my debts?\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.\n\n- 0 I don’t have a plan of what I need to do\n...\n- 10 I have a very specific plan of what I need to do\n\nDon’t know\n\n","Y",15]
["Building Block measure","Managing credit use","Using credit responsibly/sensibly","Approach to credit card repayment ","How do you generally handle paying your bill each month for your credit cards or store cards? \n1. I generally make the minimum payment each month, but I pay more than the minimum when I can\n2. I vary in the amount I pay off – between the minimum and the full amount\n3. I usually pay in full, but sometimes let part of the balance roll over to the next month\n4. I always pay in full\n5. Don’t know\n6. Prefer not so say\n","Y",16]
[null,"Managing credit use","Taking steps to tackle problem debt","Steps taken to tackle problem debt","PRE: In the last X months, which of the following steps have you taken to reduce the amount of money you owe? This includes any debts you haven’t paid  or late/unpaid bills and credit commitments.\n\nPOST: Since [Reference Point], which of the following steps have you taken to reduce the amount of money you owe? This includes any debts you haven’t paid  or late/unpaid bills and credit commitments.\n\nCHOOSE ALL THAT APPLY\n\n1. Do not have any debts\n2. Increased regular payments\n3. Paid a lump sum towards them\n4. Spoken to the company/companies the money is owed to\n5. Taken independent advice (e.g. from Citizen's Advice Bureau, StepChange, Money Advice Service)\n6. Consolidated loans or credit cards \n7. Set up a Debt Management Plan or Debt Arrangement Scheme\n8. Arranged to write off some or all debts (e.g. applied for bankruptcy or a debt relief order, or set up an IVA)\n9. Other (specify)\n10. None of these, but have debts\n","N",17]
["Building Block measure","Keeping track of income and spending",null,"Accuracy of knowledge about spending money","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","Y",18]
["Building Block measure","Keeping track of income and spending","Keeping track of income and spending","Regularity of checking current account balance","How often do you normally check how much money is in your current account?  This could be through getting a mini statement at a bank machine, receiving an automated text message or looking at your account details online. Please choose one option only. \n1. Every day\n2. At least once a week, but not every day\n3. At least once a fortnight, but not once a week\n4. At least once a month, but not once a fortnight\n5. Less than once a month\n6. Other (please specify)\n7. Never\n8. Don’t know\n","Y",19]
["Building Block measure","Keeping track of income and spending",null,"Methods used to keep track of income and expenditure","Which of these do you regularly use to keep track of your income and spending? Please select all that apply. \n1. An online budgeting tool\n2. An App on a mobile or other electronic device\n3. A spreadsheet\n4. A piece of paper\n5. An accounts book or notebook\n6. A financial software package\n7. By checking my bank balance\n8. By reviewing  bank statements\n9. In my head\n10. Other (please specify)\n11.  I don’t keep track\n12. Don’t know \n","Y",20]
[null,"Keeping track of income and spending","Creating and sticking to a viable budget","Quality of spending plans, frequency of sticking to 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","N",21]
["Building Block measure","Active saving ","Saving on a regular basis","Frequency of saving and amount saved ","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","Y",27]

{"sheet":"22,23","index":13,"n_rows":9,"n_cols":7,"rows_kept":9,"cut":false,"hidden":false,"merged":[[6,6,6,7]]}
[]
[null,null,"Adult Outcome Frameworks"]
[]
[null,"Financial Wellbeing - ****"]
[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,"Higher level outcome","Lower level outcome","Indicator","Question","Building Block Y/N","Question"]
[null,"Managing bill payments",null,"Frequency of missed bill payments ","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","N",22]
[null,"Managing bill payments",null,"Quality of planning to pay bills","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","N ",23]

{"sheet":"24,25,26","index":14,"n_rows":10,"n_cols":7,"rows_kept":10,"cut":false,"hidden":false,"merged":[[6,6,6,7]]}
[]
[null,null,"Adult Outcome Frameworks"]
[]
[null,"Financial Wellbeing - ****"]
[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,"Higher level outcome","Lower level outcome","Indicator","Question","Building Block Y/N","Question"]
[null,"Maximising income",null,"Regularity of shopping around to get the best deal  ","When choosing or renewing a product or package, how often do you or your someone else in your household spend time comparing different products or packages? This might include mobile phone contracts, gas and electricity, or insurance.\nCHOOSE ONE ONLY\n1. I/we always spend time comparing\n2. I/we sometimes spend time comparing\n3. I/we very rarely spend time comparing\n4. I/we never spend time comparing\n5. Don’t know\n","N",24]
[null,"Maximising income ",null,"Steps taken to make money go further","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","N",25]
[null,"Maximising income ",null,"Claiming benefits and adjusting claim following changes in circumstances","We have not included a measure of ths behaviour as the actions an individual should take, and when, will differ depending on the their circumstances, the benefits they are claiming and changes to welfare policy.  \n\nIf your intervention is seeking to maximise beneficiaries' income by supporting them to claim benefits, you might consider using changes to beneficiaries income alongside other administration data (such as whether the advisor helped them to make a claim) to evidence this. Please get in touch with the Money Advice Service if you would like help with deciding how best to measure this outcome.","N",26]

{"sheet":"28,101,29","index":15,"n_rows":10,"n_cols":7,"rows_kept":10,"cut":false,"hidden":false,"merged":[[6,6,6,7]]}
[]
[null,null,"Adult Outcome Frameworks"]
[]
[null,"Financial Wellbeing - ****"]
[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,"Higher level outcome","Lower level outcome","Indicator","Question","Building Block Y/N","Question"]
["Building Block measure","Building resilience","Saving for expected and unexpected expenses","Number of expected and unexpected expenses ","Here is a list of some of the reasons people have said they save. Which, if any, of these are reasons why  you/you and your partner/spouse have savings?  \nPLEASE SELECT ALL THAT APPLY\n1. To pay for planned expenses, purchases or events\n2. In case I have to pay for unexpected expenses/purchases\n3. For a rainy day generally\n4. In case my or my partner/spouse's income changes\n5. For my retirement (excluding paying into a pension)\n6. None of these (SINGLE CODE ONLY)\n7. Don’t know (SINGLE CODE ONLY)\n\nWhat planned expenses, purchases or events are you saving for?\nPLEASE SELECT ALL THAT APPLY\n1. Deposit to rent own home\n2. Deposit to buy own home\n3. Other expenses to move house\n4. A wedding\n5. Starting a family/having another child\n6. Education for me or my partner/spouse\n7. Education for children/grown-up children\n8. Helping grown-up children to rent a home\n9. Helping grown-up children to buy a home\n10. A holiday\n11. Retirement\n12. Home improvements\n13. Purchasing a car/van/motorbike\n14. Other (please specify)\n15. Don’t know (SINGLE CODE ONLY)","Y",28]
["Building Block measure","Buidling resilience ","Increasing the total amount saved","Amount in personal savings and investments (excluding pension)","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 ","Y",101]
["Building Block measure","Working towards financial goals ",null,"Number of financial goals and quality of plan for achieving goals","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. Saving money to rent own home\n4. Saving money to buy own home\n5. Saving money for a wedding\n6. Saving money to start a family/have another child\n7. Saving money  for education for me <IF CODE 2 AT A6 and my partner/spouse>\n8. Saving money  for education for children/grown-up children\n9. Saving money  to help grown-up children to rent a home\n10. Saving money  to help grown-up children to buy a home\n11. Saving money for a holiday\n12. Saving money for retirement\n13. Saving money for home improvements\n14. Saving money to purchase a car/van/motorbike\n15. Saving money generally\n16. Other (please specify)\n17. None of these (SINGLE CODE ONLY)\n\nB) How much of a plan do you have about how you will achieve your financial goal for (ANSWER FROM D2)\n\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…","Y",29]

{"sheet":"30,31","index":16,"n_rows":9,"n_cols":7,"rows_kept":9,"cut":false,"hidden":false,"merged":[[6,6,6,7]]}
[]
[null,null,"Adult Outcome Frameworks"]
[]
[null,"Financial Wellbeing - ****"]
[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,"Higher level outcome","Lower level outcome","Indicator","Question","Building Block Y/N","Question"]
[null,"Saving for retirement",null,"Whether currently paying into a pension scheme ","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","N",30]
[null,"Saving for retirement",null,"Steps taken to ensure adequate income (for pension or retirement)","PRE. In the last [X] months, which of the following have you done in relation to your pension or retirement income?\n\nPOST. Since [REFERENCE POINT], which of the following have you done in relation to your pension or retirement income? \nCHOOSE ALL THAT APPLY\n\n1. Checked whether my income will be enough to meet my needs in retirement\n2. Increased how much I am paying towards my retirement income\n3. I don't have a pension / source of retirement income\n4. Neither of these\n","N",31]

{"sheet":"32,33","index":17,"n_rows":9,"n_cols":7,"rows_kept":9,"cut":false,"hidden":false,"merged":[[6,6,6,7]]}
[]
[null,null,"Adult Outcome Frameworks"]
[]
[null,"Financial Wellbeing - ****"]
[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,"Higher level outcome","Lower level outcome","Indicator","Question","Building Block Y/N","Question"]
[null,"Proactively seeking advice and guidance ",null,"How recently guidance and advice has been used","PRE: In the last [SIX] months, which of these have you used for information or advice about your finances?\nPOST: Since [REFERENCE POINT] which of these have you used for information or advice about your finances?\nCHOOSE ALL THAT APPLY\n1. A free advice agency (Money Advice Service, Citizens Advice Bureau, money or debt advice centre, law centre, consumer credit counselling service, National Debtline, benefits office)\n2. An insolvency practitioner\n3. Accountant, bank or other financial adviser\n4. Solicitor or lawyer\n5. Other advice company or person charging a fee\n6. Landlord\n7. Family or friends\n8. Martin Lewis/Money Saving Expert\n9. Price comparison websites e.g. moneysupermarket.com\n10. Other websites\n11. Other (specify)\n12. I haven’t used any of these for advice\n","N",32]
[null,"Proactively seeking online advice and guidance",null,"How frequently online advice and guidance has been sought","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","N ",33]

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[]
[null,null,"Adult Outcome Frameworks"]
[]
[null,"Financial Wellbeing - ****"]
[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,"Higher level outcome","Lower level outcome","Indicator","Question","Building Block Y/N","Question"]
[null,"Exposure and access to appropriate financial advice and guidance","Access to financial advice, guidance and tools which meet their needs in a form and language they can understand, and channel they can use effectively","Ease of access to advice services, either in person or by telephone ","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","N",34]
[null,"Exposure and access to appropriate financial advice and guidance","Digital access to financial advice, guidance and tools ","Use of the internet to access information about money and finances ","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","N",37]

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[]
[null,null,"Adult Outcome Frameworks"]
[]
[null,"Financial Wellbeing - ****"]
[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,"Higher level outcome","Lower level outcome","Indicator","Question","Building Block Y/N","Question"]
["Building Block measure","Exposure and access to appropriate financial advice and guidance","Digital access to financial products and services ","Willingness to use the internet to carry out day to day banking","To what extent do you agree or disagree with the following statement:\n\nI would be happy to use the Internet to carry out day to day banking transactions","Y",38]

{"sheet":"43,44,45,46,47","index":20,"n_rows":12,"n_cols":7,"rows_kept":12,"cut":false,"hidden":false,"merged":[[6,6,6,7]]}
[]
[null,null,"Adult Outcome Frameworks"]
[]
[null,"Financial Wellbeing - ****"]
[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,"Higher level outcome","Lower level outcome","Indicator","Question","Building Block Y/N","Question"]
["Building Block measure","Saving mindset ","Understand the value of saving for an unexpected event ","Perceived importance of saving for a rainy day","Thinking overall about your finances, how important do you think it is to save for a rainy day \n\n1. Very important\n2. Fairly important\n3. Neither important nor unimportant\n4. Fairly unimportant\n5. Very unimportant\n6. Don’t know","Y",43]
["Building Block measure","Saving mindset ","Recognise the importance of future financial needs in retirement","Perceived importance of putting money aside for retirement","How important do you think it is to put money aside for your retirement\n\n1. Very important\n2. Fairly important\n3. Neither important nor unimportant\n4. Fairly unimportant\n5. Very unimportant\n6. Don’t know","Y",44]
["Building Block measure","Saving mindset ","Motivated to keep track of finances ","Perceived importance of keeping track of income and expenditure ","How important 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","Y",45]
["Building Block measure","Saving mindset ","Understand the value of making their money go further by shopping around","Perceived importance of shopping around","How important do you think it is to shop around in order to make your money go further \n\n1. Very important\n2. Fairly important\n3. Neither important nor unimportant\n4. Fairly unimportant\n5. Very unimportant\n6. Don’t know","Y",46]
[null,"Saving mindset ","Understand the value of making their money go further by shopping around","Attitude to switching suppliers ","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 switching things like insurance, energy or bank accounts, 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","N",47]

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[]
[null,null,"Adult Outcome Frameworks"]
[]
[null,"Financial Wellbeing - ****"]
[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,"Higher level outcome","Lower level outcome","Indicator","Question","Building Block Y/N","Question"]
["Building Block measure","Financial confidence","Confident managing money","Level of confidence in managing money","How confident do you feel about managing your money?  \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","Y",48]
["Building Block measure","Financial confidence","Confident choosing appropriate products/services","Level of confidence in choosing 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","Y",49]
[null,"Financial confidence","Confident keeping track of income and expenditure","Perceived quality of approach to keeping track of income and expenditure","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","N",50]
[null,"Financial confidence","Confident exercising their own judgment in financial decisions and to question\nsuggestions and advice","Level of confidence dealing with companies and making purchases ","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","N",51]
[null,"Financial confidence","Confident exercising their own judgment in financial decisions and to question\nsuggestions and advice","Level of confidence making decisions about pensions","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","N",52]
[null,"Financial confidence","Confident communicating about their situation and needs with financial\nservices professionals.","Level of confidence talking to advice providers ","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","N",53]
[null,"Financial confidence",null,"Extent of feeling in control of financial situation\n","How much do you agree or disagree with each of the following statements?  \n \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","N",54]

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[]
[null,null,"Adult Outcome Frameworks"]
[]
[null,"Financial Wellbeing - ****"]
[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,"Higher level outcome","Lower level outcome","Indicator","Question","Building Block Y/N","Question"]
["Building Block measure","Attitudes to  credit use",null,"Preference for saving up rather than borrowing money","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 - I hate to borrow – I would much rather save up in advance","Y",39]
["Building Block measure","Self-controlled spending ",null,"Frequency of buying on impulse","O4 To what extent would you say the following statements apply to you personally?\n\nA) I often buy things on impulse\n\n0 does not sound like me\n...\n10 sounds a lot like me\nDon't know\nNot applicable","Y",55]
["Building Block measure","Self-controlled spending ",null,"Ability to resist pressures to spend","O4 To what extent would you say the following statements apply to you personally?\n\nB) I feel under pressure to spend like my friends even when I can’t afford it.0 (does not sound like me at all) to 10 (sounds a lot like me)  \n\n\n0 does not sound like me\n...\n10 sounds a lot like me\nDon't know\nNot applicable","Y",56]

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[]
[null,null,"Adult Outcome Frameworks"]
[]
[null,"Financial Wellbeing - ****"]
[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,"Higher level outcome","Lower level outcome","Indicator","Question","Building Block Y/N","Question"]
["Building Block measure","Financial engagement",null,"Extent of engagement with finances ","To what extent do you agree or disagree with the\nstatement \n\n\"I prefer to live for today and let tomorrow take care of itself\" \n \"Nothing I do will make much difference to my financial situation\"\n\"I am too busy to sort out my finances at the moment\"\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","Y",57]

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[]
[null,null,"Adult Outcome Frameworks"]
[]
[null,"Financial Wellbeing - ****"]
[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,"Higher level outcome","Lower level outcome","Indicator","Question","Building Block Y/N","Question"]
["Building Block measure","Adaptable to changing financial circumstances ",null,"Willingness to adjust non-essential spending"," 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","Y",58]

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[]
[null,null,"Adult Outcome Frameworks"]
[]
[null,"Financial Wellbeing - ****"]
[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,"Higher level outcome","Lower level outcome","Indicator","Question","Building Block Y/N","Question"]
[null,"Willing to talk openly and honestly about money with friends and family",null,"Willingness to talk 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","N",59]

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[]
[null,null,"Adult Outcome Frameworks"]
[]
[null,"Financial Wellbeing - ****"]
[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,"Higher level outcome","Lower level outcome","Indicator","Question","Building Block Y/N","Question"]
[null,"Attitudes to the future ","Recognise the importance of balancing their future financial needs with their current financial needs ","Preference for saving for the future rather than spending now","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 - 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","N",60]
[null,"Attitudes to the future ","Anticipate and plan for future financial needs including less positive scenarios ","Extent of plans for funding future care needs ","Have you thought about or made any plans for how you might fund the care and support you may need as you get older? This might include in-home support or a care home.\nCODES 3,4,5,6 CAN BE MULTICODE\n1. I haven't really thought about it\n2. I've thought about it but haven’t done anything specific\n3. I’m saving money which could pay for this (e.g. savings, pension or investments)\n4. I’ve taken out insurance cover to pay for this (e.g. long-term care plan)\n5. I could sell property to pay for this\n6. I hope my family would help fund this\n7. Other (please specify)\n8. Don't know","N",61]
[null,"Attitudes to the future ","Anticipate and plan for future financial needs including less positive scenarios ","Extent of plans for coping with income loss due to redundancy or ill health","Have you thought about or made any plans for how you might cope financially with an unexpected fall in your or your household’s income because of redundancy or ill-health?\nCODES 3,4,5,6,7 CAN BE MULTICODE\n1. I haven't really thought about it\n2. I've thought about it but haven’t done anything specific\n3. I’m saving money which could pay for this (e.g. savings, pension or investments)\n4. I’ve taken out insurance to pay for this \n5. I could sell property to pay for this\n6. I hope family would help fund this\n7. Other (please specify)\n8. Don't know\n","N",63]
[null,"Attitudes to the future ","Anticipate and plan for future financial needs including less positive scenarios ","Extent of plans for coping with a rise in mortgage repayments","ONLY IF HAVE A MORTGAGE: 35. Have you thought about or made any plans for how you might cope financially if interest rates rise and your or your household’s mortgage repayments increase?\nCODES 3,4,5,6,7 CAN BE MULTICODE\n1. I haven't really thought about it\n2. I've thought about it but haven’t done anything specific\n3. I’m saving money which could pay for this (e.g. savings, pension or investments)\n4. I would switch to a new mortgage deal\n5. I could sell property to pay for this\n6. I hope family would help fund this\n7. Other (please specify)\n8. This won’t affect me – I’m on a fixed rate mortgage\n9. Don't know\n","N",64]

{"sheet":"40,41,42","index":27,"n_rows":10,"n_cols":7,"rows_kept":10,"cut":false,"hidden":false,"merged":[[6,6,6,7]]}
[]
[null,null,"Adult Outcome Frameworks"]
[]
[null,"Financial Wellbeing - ****"]
[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,"Higher level outcome","Lower level outcome","Indicator","Question","Building Block Y/N","Question"]
[null,"Belief that money advice and guidance can help them",null,"Likelihood of seeking money advice and guidance","How likely are you to take advice about dealing with money issues from a free advice organisation to deal with money worries? This could include Citizen's Advice Bureau, Money Advice Service or StepChange.\n\nCHOOSE ONE ONLY\n\n1. Very likely\n2. Fairly likely\n3. Fairly unlikely\n4. Very unlikely\n5. Don’t know\n","N",40]
[null,"Belief that money advice and guidance can help them",null,"Attitude towards money advice and guidance ","How much do you agree or disagree with each of the following statements? When we say advice and guidance, we mean from organisations like Citizen's Advice Bureau, Money Advice Service or StepChange and also from accountants and independent financial advisers\n\n• Asking for financial advice and guidance seems too scary \n• I’d feel embarrassed to take financial advice and guidance\n• I’d make better financial decisions with financial advice and guidance\n• I can sort out my own money issues, without financial advice and guidance\n• When it comes to things like bank accounts, credit cards or insurance, there’s not enough information out there I can trust\n","N",41]
[null,"Confidence communicating with financial professionals ","\n","Confidence talking to professionals about money","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","N",42]

{"sheet":"65,66,67","index":28,"n_rows":10,"n_cols":7,"rows_kept":10,"cut":false,"hidden":false,"merged":[[6,6,6,7]]}
[]
[null,null,"Adult Outcome Frameworks"]
[]
[null,"Financial Wellbeing - ****"]
[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,"Higher level outcome","Lower level outcome","Indicator","Question","Building Block Y/N","Question"]
["Building Block measure","Financial numeracy","Understand financial concepts and are able to answer basic questions around\ninterest rates","Ability to calculate interest earned from 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?\n","Y",65]
[null,"Financial numeracy","Understand financial concepts and are able to answer basic questions around\ninterest rates","Ability to calculate interest owed on a loan","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","N",66]
["Building Block measure","Financial numeracy","Understand financial concepts and are able to answer basic questions around\ninflation","Understanding of the impact of inflation on buying power","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","Y",67]

{"sheet":"68, 69, 76","index":29,"n_rows":10,"n_cols":7,"rows_kept":10,"cut":false,"hidden":false,"merged":[[6,6,6,7]]}
[]
[null,null,"Adult Outcome Frameworks"]
[]
[null,"Financial Wellbeing - ****"]
[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,"Higher level outcome","Lower level outcome","Indicator","Question","Building Block Y/N","Question"]
[null,"Understand financial concepts and products  ","Understand different loan types and interest on borrowing","Understanding of loan types and calculating interest","STEM Which of these statements best describes how knowledgeable you feel about: \n\n- comparing different loans and credit cards\n- credit unions \n- calculating the total cost of a loan or credit such as Brighthouse or a car on hire purchase (including interest and charges)  \n\n1. I have an excellent knowledge\n2. I have a good knowledge\n3. I have a basic knowledge\n4. I know nothing about this\n5. Not applicable\n\n\n","N",68]
[null,"Understand financial concepts and products  ","Understand different loan types and interest on borrowing","Understanding of APR","QUIZ I would like to know whether you think the following statements are true or false.....\n\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","N",69]
[null,"Understanding financial concepts, products and options relevant to their issue, life stage or event","Understand concepts, products and options relevant to problem debt","Knowledge of options and rights in relation to problem debt","STEM: Which of these statements best describes how knowledgeable you feel about:  \n- the different options for sorting out debt problems\n- the fees charged for debt solutions such as bankruptcy, Debt Relief Orders and Debt Management Plans\n- the steps I should take if I’m unable to pay my debts \n- my rights when companies try to recover money I owe them\n- the steps companies can take to recover the money I owe them\n1. I have an excellent knowledge\n2. I have a good knowledge\n3. I have a basic knowledge\n4. I know nothing about this\n5. Not applicable\n\n\n","N",76]

{"sheet":"70","index":30,"n_rows":8,"n_cols":7,"rows_kept":8,"cut":false,"hidden":false,"merged":[[6,6,6,7]]}
[]
[null,null,"Adult Outcome Frameworks"]
[]
[null,"Financial Wellbeing - ****"]
[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,"Higher level outcome","Lower level outcome","Indicator","Question","Building Block Y/N","Question"]
[null,"Understand financial concepts and products ","Understand investments ","Understanding of investments \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 - It is usually possible to reduce the risk of investing in the stock market by buying a wide range of stocks and shares. \n\nTrue\nFalse\nDon't know","N",70]

{"sheet":"80,81,82","index":31,"n_rows":10,"n_cols":7,"rows_kept":10,"cut":false,"hidden":false,"merged":[[6,6,6,7]]}
[]
[null,null,"Adult Outcome Frameworks"]
[]
[null,"Financial Wellbeing - ****"]
[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,"Higher level outcome","Lower level outcome","Indicator","Question","Building Block Y/N","Question"]
[null,"Understanding budgeting ","Understand the principles of budgeting and can develop a budget suited to their needs","Ability to create a weekly or monthly budget ","STEM: Which of these statements best describes how knowledgeable you feel about: \n- creating a weekly or monthly household budget\n\n1. I have an excellent knowledge\n2. I have a good knowledge\n3. I have a basic knowledge\n4. I know nothing about this\n5. Not applicable\n","N ",80]
[null,"Understanding how to make money go further","Knowing how to make their money go further","Ability to use a price comparison site ","STEM: Which of these statements best describes how knowledgeable you feel about: \n - using a price comparison website \n\n1. I have an excellent knowledge\n2. I have a good knowledge\n3. I have a basic knowledge\n4. I know nothing about this\n5. Not applicable\n\n","N",81]
[null,"Understanding how to make money go further","Knowing how to make their money go further","Ability to check benefits entitlements and tax payments","STEM: Which of these statements best describes how knowledgeable you feel about: \n- checking you’re getting all benefits you are entitled to\n- checking you’re paying the correct amount of tax\n\n1. I have an excellent knowledge\n2. I have a good knowledge\n3. I have a basic knowledge\n4. I know nothing about this\n5. Not applicable\n\n","N",82]

{"sheet":"79","index":32,"n_rows":8,"n_cols":7,"rows_kept":8,"cut":false,"hidden":false,"merged":[[6,6,6,7]]}
[]
[null,null,"Adult Outcome Frameworks"]
[]
[null,"Financial Wellbeing - ****"]
[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,"Higher level outcome","Lower level outcome","Indicator","Question","Building Block Y/N","Question"]
[null,"Understanding financial concepts, products and situations","Understand the main types of financial fraud and how to protect themselves from it","Level of knowledge about types of fraud and ability to protect from fraud ","STEM: Which of these statements best describes how knowledgeable you feel about:  \n- different types of financial fraud/scams \n- protecting yourself from financial fraud / scams\n- protecting yourself from online financial fraud / scams\n\n1. I have an excellent knowledge\n2. I have a good knowledge\n3. I have a basic knowledge\n4. I know nothing about this\n5. Not applicable\n","N ",79]

{"sheet":"73,74","index":33,"n_rows":9,"n_cols":7,"rows_kept":9,"cut":false,"hidden":false,"merged":[[6,6,6,7]]}
[]
[null,null,"Adult Outcome Frameworks"]
[]
[null,"Financial Wellbeing - ****"]
[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,"Higher level outcome","Lower level outcome","Indicator","Question","Building Block Y/N","Question"]
[null,"Understanding financial concepts, products and situations","Understand different types of savings vehicles, and can assess which options are right for them","Understanding of savings accounts and ability to compare savings products","STEM: Which of these statements best describes how knowledgeable you feel about: \n- savings accounts \n- credit unions \n- comparing savings products  \n1. I have an excellent knowledge\n2. I have a good knowledge\n3. I have a basic knowledge\n4. I know nothing about this\n5. Not applicable","N ",73]
[null,"Understanding financial concepts, products and options relevant to their issue, life stage or event","Understand concepts, products and options relavent to their pension","Knowledge of pensions, ability to check and make decisions about pensions\n\n","STEM: Which of these statements best describes how knowledgeable you feel about: \n- pensions\n- checking how much pension income you will get when you retire\n- making decisions about a pension to give you an income you require in retirement \n1. I have an excellent knowledge\n2. I have a good knowledge\n3. I have a basic knowledge\n4. I know nothing about this\n5. Not applicable","N",74]

{"sheet":"71","index":34,"n_rows":8,"n_cols":7,"rows_kept":8,"cut":false,"hidden":false,"merged":[[6,6,6,7]]}
[]
[null,null,"Adult Outcome Frameworks"]
[]
[null,"Financial Wellbeing - ****"]
[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,"Higher level outcome","Lower level outcome","Indicator","Question","Building Block Y/N","Question"]
[null,"Understanding financial concepts, products and situations","Understand bank accounts ","Knowledge of bank accounts and ability to check bank balance","STEM: Which of these statements best describes how knowledgeable you feel about: \n\n- bank accounts\n- checking the balance on your bank account\n\n1. I have an excellent knowledge\n2. I have a good knowledge\n3. I have a basic knowledge\n4. I know nothing about this\n5. Not applicable","N",71]

{"sheet":"72","index":35,"n_rows":8,"n_cols":7,"rows_kept":8,"cut":false,"hidden":false,"merged":[[6,6,6,7]]}
[]
[null,null,"Adult Outcome Frameworks"]
[]
[null,"Financial Wellbeing - ****"]
[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,"Higher level outcome","Lower level outcome","Indicator","Question","Building Block Y/N","Question"]
[null,"Understanding financial concepts, products and situations","Understand different insurance products and can assess which options are right for them","Understanding of insurance and ability to compare insurance products\n","STEM: Which of these statements best describes how knowledgeable you feel about: \n\n- insurance\n- comparing different types of insurance\n\n1. I have an excellent knowledge\n2. I have a good knowledge\n3. I have a basic knowledge\n4. I know nothing about this\n5. Not applicable","N",72]

{"sheet":"75","index":36,"n_rows":8,"n_cols":7,"rows_kept":8,"cut":false,"hidden":false,"merged":[[6,6,6,7]]}
[]
[null,null,"Adult Outcome Frameworks"]
[]
[null,"Financial Wellbeing - ****"]
[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,"Higher level outcome","Lower level outcome","Indicator","Question","Building Block Y/N","Question"]
[null,"Understanding financial concepts, products and options relevant to their issue, life stage or event","Understand concepts, products and options relevant to their mortgage","Understanding of mortgages and mortgage repayments ","STEM: Which of these statements best describes how knowledgeable you feel about:  \n- mortgages\n- applying for a mortgage\n- calculating you monthly mortgage repayments if interest rates rise\n1. I have an excellent knowledge\n2. I have a good knowledge\n3. I have a basic knowledge\n4. I know nothing about this\n5. Not applicable","N ",75]

{"sheet":"77,78","index":37,"n_rows":9,"n_cols":7,"rows_kept":9,"cut":false,"hidden":false,"merged":[[6,6,6,7]]}
[]
[null,null,"Adult Outcome Frameworks"]
[]
[null,"Financial Wellbeing - ****"]
[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,"Higher level outcome","Lower level outcome","Indicator","Question","Building Block Y/N","Question"]
[null,"Knowledge of where to go for advice, guidance and tools about their financial situation, in person, by phone and using digital resources",0,"Awareness of different advice providers ","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. Consumer Credit Counselling Service (CCCS)/StepChange\n9. National Debtline\n[ADD OTHER RELEVANT ORGANISATIONS/SITES]\n11. None of these\n","N",77]
[null,"Knowledge of where to go for advice, guidance and tools about their financial situation, in person, by phone and using digital resources",0,"Knowledge of how to access money advice","STEM: Which of these statements best describes how knowledgeable you feel about:  \n- where to get  advice if you need help with your finances\n\n1. I have an excellent knowledge\n2. I have a good knowledge\n3. I have a basic knowledge\n4. I know nothing about this\n5. Not applicable","N",78]

{"sheet":"35,36","index":38,"n_rows":9,"n_cols":7,"rows_kept":9,"cut":false,"hidden":false,"merged":[[6,6,6,7]]}
[]
[null,null,"Adult Outcome Frameworks"]
[]
[null,"Financial Wellbeing - ****"]
[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,"Higher level outcome","Lower level outcome","Indicator","Question","Building Block Y/N","Question"]
[null,"Exposure and access to financial products ","Access to appropriate financial products which meet their needs via appropriate channels","Ease of access to banking services, either in person or my mail","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","N",35]
[null,"Exposure and access to financial products ","Access to appropriate financial products which meet their needs via appropriate channels","Types of banking products held","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","N",36]

{"sheet":"83, 84, 85, 86, 87","index":39,"n_rows":12,"n_cols":7,"rows_kept":12,"cut":false,"hidden":false,"merged":[[6,6,6,7]]}
[]
[null,null,"Adult Outcome Frameworks"]
[]
[null,"Financial Wellbeing - ****"]
[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,"Higher level outcome","Lower level outcome","Indicator","Question","Building Block Y/N","Question"]
[null,"Basic skills: Literacy","Have the level of literacy needed to fill in forms and read information about financial products in English (or Welsh in Wales)","Level of literacy ","How good are you at each of the following:\na)  writing in English when you need to in daily life? For example: writing letters or notes or filling in official forms?\nb) reading in English when you need to? For example\nreading newspapers and magazines or reading letters, paperwork or forms?\n1. Very good \n2. Fairly good \n3. Below average \n4. Poor \n5. No opinion. \n6, Don't Know  ","N ",83]
[null,"Basic skills: Digital Literacy","Able to use financial/money-related online services eg. forms, tools, emails, and online banking","Ability to carry out financial tasks and transactions online ","A) Do you access to the internet at home or elsewhere?\nYes\nNo\nDon't know\n\nIF DO HAVE ACCESS\nB) STEM I’d like you to think about different commercial transactions people do in their everyday lives like banking or shopping. How how knowledgeable you feel about: \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. I have an excellent knowledge\n2. I have a good knowledge\n3. I have a basic knowledge\n4. I know nothing about this\n5. Not applicable\n\n","N",84]
[null,"Basic skills: Digital Literacy","Able to navigate online content and locate the information they need","Ability to use the internet","How would you rate your ability to use the\nInternet?\n1. Excellent\n2. Good\n3. Fair\n4. Poor\n5. Bad\n6. Don’t know\n","N",85]
[null,"Basic skills:Digital literacy","Able to navigate online content and locate the information they need","Ability to find information onlines","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\n1. Strongly Agree\n2. Tend to Agree\n3. Tend to disagree\n4. Strongly  disagree\n5. Don’t know\n6. Does not apply to me\n \n","N",86]
[null,"Basic skills: Communication","Able to confidently interact with others in English (or Welsh in Wales)","Ease of communicating in English or (Welsh in Wales)  ","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\nIF IN WALES: \nCan 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","N",87]

{"sheet":"88-97","index":40,"n_rows":17,"n_cols":7,"rows_kept":17,"cut":false,"hidden":false,"merged":[[6,6,6,7]]}
[]
[null,null,"Adult Outcome Frameworks"]
[]
[null,"Financial Wellbeing - ****"]
[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,"Higher level outcome","Lower level outcome","Indicator","Question","Building Block Y/N","Question"]
[null,"Income","Employment status","N/A","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","N",88]
[null,"Income",null,"Fincap P4","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)","N",89]
[null,"Income","Income ","N/A","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 ","N",90]
[null,"Income","Income ","N/A","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","N",91]
[null,"Income","Income ","N/A","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","N",92]
[null,"Savings","Savings","N/A","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 ","N",93]
[null,"Savings","Savings","N/A","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)","N",94]
[null,"Other assets","Other assets","N/A","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)","N",95]
[null,"Other assets","Other assets","N/A","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 ","N",96]
[null,"Access to affordable credit ","Access to affordable credit ","N/A","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","N",97]

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[]
[null,null,"Adult Outcome Frameworks"]
[]
[null,"Financial Wellbeing - ****"]
[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,"Higher level outcome","Lower level outcome","Indicator","Question","Building Block Y/N","Question"]
[null,"Committed expenditure","Additional outgoings","Number of additional high-value monthly outgoings","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)","N",98]
[null,"Committed expenditure","Additional outgoings","Number of additional high-value monthly outgoings that are more than budget allows for","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)","N",99]
[null,"Committed expenditure","Dependent children","Number of dependent children","How many children depend on you financially?","N",100]

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[]
[null,null,"Adult Outcome Frameworks"]
[]
[null,"Financial Wellbeing - ****"]
[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,"Higher level outcome","Lower level outcome","Indicator","Question","Building Block Y/N","Question"]
[null,"Current financial wellbeing","Able to live (adequately) within means","Satisfaction with financial circumstances ","How satisfied are you with your overall financial circumstances? \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","Y",1]
[null,"Current financial wellbeing","Able to live (adequately) within means","Regularity of running out of money ","How often do you and your household run out of money before the end of the week or month or needed to use a credit card or overdraft to get by? Would you say it was ...\n1. Always\n2. Most of the time\n3. Sometimes\n4. Hardly ever\n5. Never\n6. Don’t know","N",2]
[null,"Current financial wellbeing","Able to keep up with bills ","Self-reported keeping up with bills and commitments","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. Keeping up without any difficulties\n2. It is a struggle from time to time \n3. It is a constant struggle\n4. Falling behind with some bills or credit commitments\n5. Having real financial problems and have fallen behind with many bills or credit commitments  \n6. Don’t have any bills or credit commitments\n7. Don't know\n8. Prefer not to say","Y",3]
[null,"Current financial wellbeing","Bills / credit commitments are not a burden ","Self-reported burden of bills and commitments","To what extent do you feel that keeping up with your bills and credit commitments is a burden?\n1. It is not a burden at all\n2. It is somewhat of a burden \n3. It is a heavy burden\n4. Don't know\n","Y",4]
[null,"Current financial wellbeing","Not experiencing material deprivation","Regularity of being unable to pay for essentials ","How often do you and your household go without essential items due to a lack of money? This might include being unable to pay bills, buy food or pay for heating.\n1. Always\n2. Most of the time\n3. Sometimes\n4. Hardly ever\n5. Never\n6. Don’t know","N",5]
[null,"Current financial wellbeing","Not experiencing material deprivation","Number of expenses considered affordable","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)","N",6]
[null,"Current financial wellbeing","Able to pay unexpected bills","Capacity to pay an unexpected bill of £300","Thinking about an unexpected bill of £300 that you have to pay within seven days from today, which of the following would you do? \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","Y",7]
[null,"Longer term financial security","Able to withstand a significant financial shock ","Ratio of savings to income","See means section of framework for savings and income questions","Y",8]
[null,"Longer term financial security","Able to withstand a significant financial shock ","Number of insurance and protection products","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)","Y",9]
[null,"Longer term financial security","Able to withstand a significant financial shock ","Number of types of longer term savings products ","Do you currently have savings or investments in any of the following? Please do not include any money that you have saved in a pension. \n1. In a savings account \n2. In an ISA\n3. In a cash / money box\n4. In a credit union account\n5. In a savings club (e.g. Christmas savings club)\n6. Premium bonds\n7. In a current account\n8. In investments/stocks & shares\n9. Other (please specify) \n10. I do not have any savings (SINGLE CODE ONLY)\n11. Prefer not to say (SINGLE CODE ONLY)","Y",10]
[null,"Finances and emotional/mental wellbeing",0,"Level of anxiety about finances ","To what extent do you agree or disagree with the following statements?\nB. Thinking about my financial situation makes me anxious\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know","Y",11]
[null,"Finances and emotional/mental wellbeing",0,"Effect of finances on mental health ","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 these do you experience because of your or your household's financial situation?\n1. Stress or anxiety\n2. Low mood or depression\n3. Self-harm or suicidal thoughts\n4. Difficulty concentrating or relaxing\n5. Difficulty sleeping\n6. Panic attacks\n7. Family tension or arguments\n8. Domestic abuse or violence\n9. Poor/loss of appetite or eating too much\n10. Increased use of alcohol \n11. Misuse of prescription or over-the-counter drugs\n12. Use of illicit (illegal) drugs or legal highs\n13. Other (specify) \n14. Not experienced any of these\n15. Prefer not to say\n16. Don't know\n","N",12]
[null,"Confindent about financial future",0,"Level of confidence in future finances ","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","N",13]
[null,"Managing credit use","Reducing the value of unsecured borrowing","Total unsecured borrowing","If you added up all of your  balances on credit cards, store cards, personal loans, hire purchase, car finance arrangements and student loans, approximately how much do you owe in total? ","Y",14]
[null,"Managing credit use","Planning how to pay down debt ","Quality of plan for paying down debt ","How much of a plan do you have about how you will pay off or reduce my debts?\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.\n\n- 0 I don’t have a plan of what I need to do, I just know I want to do it\n...\n- 10 I have a very specific plan of what I need to do\n\nDon’t know\n\n","Y",15]
[null,"Managing credit use","Using credit responsibly/sensibly","Approach to credit card repayment ","How do you generally handle paying your bill each month for your credit cards or store cards? \n1. I generally make the minimum payment each month, but I pay more than the minimum when I can\n2. I vary in the amount I pay off – between the minimum and the full amount\n3. I usually pay in full, but sometimes let part of the balance roll over to the next month\n4. I always pay in full\n5. Don’t know\n6. Prefer not so say\n","Y",16]
[null,"Managing credit use","Taking steps to tackle problem debt","Steps taken to tackle problem debt","PRE: In the last X months, which of the following steps have you taken to reduce the amount of money you owe? This includes any debts you haven’t paid  or late/unpaid bills and credit commitments.\n\nPOST: Since [Reference Point], which of the following steps have you taken to reduce the amount of money you owe? This includes any debts you haven’t paid  or late/unpaid bills and credit commitments.\n\nCHOOSE ALL THAT APPLY\n\n1. Do not have any debts\n2. Increased regular payments\n3. Paid a lump sum towards them\n4. Spoken to the company/companies the money is owed to\n5. Taken independent advice (e.g. from Citizen's Advice Bureau, StepChange, Money Advice Service)\n6. Consolidated loans or credit cards \n7. Set up a Debt Management Plan or Debt Arrangement Scheme\n8. Arranged to write off some or all debts (e.g. applied for bankruptcy or a debt relief order, or set up an IVA)\n9. Other (specify)\n10. None of these, but have debts\n","N",17]
[null,"Keeping track of income and spending",0,"Accuracy of knowledge about spending money","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","Y",18]
[null,"Keeping track of income and spending","Keeping track of income and spending","Regularity of checking current account balance","How often do you normally check how much money is in your current account?  This could be through getting a mini statement at a bank machine, receiving an automated text message or looking at your account details online. Please choose one option only. \n1. Every day\n2. At least once a week, but not every day\n3. At least once a fortnight, but not once a week\n4. At least once a month, but not once a fortnight\n5. Less than once a month\n6. Other (please specify)\n7. Never\n8. Don’t know\n","Y",19]
[null,"Keeping track of income and spending",0,"Methods used to keep track of income and expenditure","Which of these do you regularly use to keep track of your income and spending? Please select all that apply. \n1. An online budgeting tool\n2. An App on a mobile or other electronic device\n3. A spreadsheet\n4. A piece of paper\n5. An accounts book or notebook\n6. A financial software package\n7. By checking my bank balance\n8. By reviewing  bank statements\n9. In my head\n10. Other (please specify)\n11.  I don’t keep track\n12. Don’t know \n","Y",20]
[null,"Keeping track of income and spending","Creating and sticking to a viable budget","Quality of spending plans, frequency of sticking to 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","N",21]
[null,"Managing bill payments",0,"Frequency of missed bill payments ","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","N",22]
[null,"Managing bill payments",0,"Quality of planning to pay bills","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","N ",23]
[null,"Maximising income",0,"Regularity of shopping around to get the best deal  ","When choosing or renewing a product or package, how often do you or your someone else in your household spend time comparing different products or packages? This might include mobile phone contracts, gas and electricity, or insurance.\nCHOOSE ONE ONLY\n1. I/we always spend time comparing\n2. I/we sometimes spend time comparing\n3. I/we very rarely spend time comparing\n4. I/we never spend time comparing\n5. Don’t know\n","N",24]
[null,"Maximising income ",0,"Steps taken to make money go further","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","N",25]
[null,"Maximising income ",0,"Claiming benefits and adjusting claim following changes in circumstances","See user note","N",26]
[null,"Active saving ","Saving on a regular basis","Frequency of saving and amount saved ","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","Y",27]
[null,"Building resilience","Saving for expected and unexpected expenses","Number of expected and unexpected expenses ","Here is a list of some of the reasons people have said they save. Which, if any, of these are reasons why  you/you and your partner/spouse have savings?  \nPLEASE SELECT ALL THAT APPLY\n1. To pay for planned expenses, purchases or events\n2. In case I have to pay for unexpected expenses/purchases\n3. For a rainy day generally\n4. In case my or my partner/spouse's income changes\n5. For my retirement (excluding paying into a pension)\n6. None of these (SINGLE CODE ONLY)\n7. Don’t know (SINGLE CODE ONLY)\n\nWhat planned expenses, purchases or events are you saving for?\nPLEASE SELECT ALL THAT APPLY\n1. Deposit to rent own home\n2. Deposit to buy own home\n3. Other expenses to move house\n4. A wedding\n5. Starting a family/having another child\n6. Education for me or my partner/spouse\n7. Education for children/grown-up children\n8. Helping grown-up children to rent a home\n9. Helping grown-up children to buy a home\n10. A holiday\n11. Retirement\n12. Home improvements\n13. Purchasing a car/van/motorbike\n14. Other (please specify)\n15. Don’t know (SINGLE CODE ONLY)","Y",28]
[null,"Buidling resilience ","Increasing the total amount saved","Amount in personal savings and investments (excluding pension)","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 ","Y",101]
[null,"Working towards financial goals ",0,"Number of financial goals and quality of plan for achieving goals","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. Saving money to rent own home\n4. Saving money to buy own home\n5. Saving money for a wedding\n6. Saving money to start a family/have another child\n7. Saving money  for education for me <IF CODE 2 AT A6 and my partner/spouse>\n8. Saving money  for education for children/grown-up children\n9. Saving money  to help grown-up children to rent a home\n10. Saving money  to help grown-up children to buy a home\n11. Saving money for a holiday\n12. Saving money for retirement\n13. Saving money for home improvements\n14. Saving money to purchase a car/van/motorbike\n15. Saving money generally\n16. Other (please specify)\n17. None of these (SINGLE CODE ONLY)\n\nB) How much of a plan do you have about how you will achieve your financial goal for (ANSWER FROM D2)\n\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…","Y",29]
[null,"Saving for retirement",0,"Whether currently paying into a pension scheme ","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","N",30]
[null,"Saving for retirement",0,"Steps taken to ensure adequate income (for pension or retirement)","PRE. In the last [X] months, which of the following have you done in relation to your pension or retirement income?\n\nPOST. Since [REFERENCE POINT], which of the following have you done in relation to your pension or retirement income? \nCHOOSE ALL THAT APPLY\n\n1. Checked whether my income will be enough to meet my needs in retirement\n2. Increased how much I am paying towards my retirement income\n3. I don't have a pension / source of retirement income\n4. Neither of these\n","N",31]
[null,"Proactively seeking advice and guidance ",0,"How recently guidance and advice has been used","PRE: In the last [SIX] months, which of these have you used for information or advice about your finances?\nPOST: Since [REFERENCE POINT] which of these have you used for information or advice about your finances?\nCHOOSE ALL THAT APPLY\n1. A free advice agency (Money Advice Service, Citizens Advice Bureau, money or debt advice centre, law centre, consumer credit counselling service, National Debtline, benefits office)\n2. An insolvency practitioner\n3. Accountant, bank or other financial adviser\n4. Solicitor or lawyer\n5. Other advice company or person charging a fee\n6. Landlord\n7. Family or friends\n8. Martin Lewis/Money Saving Expert\n9. Price comparison websites e.g. moneysupermarket.com\n10. Other websites\n11. Other (specify)\n12. I haven’t used any of these for advice\n","N",32]
[null,"Proactively seeking online advice and guidance",0,"How frequently online advice and guidance has been sought","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","N ",33]
[null,"Exposure and access to appropriate financial advice and guidance","Access to financial advice, guidance and tools which meet their needs in a form and language they can understand, and channel they can use effectively","Ease of access to advice services, either in person or by telephone ","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","N",34]
[null,"Exposure and access to financial products ","Access to appropriate financial products which meet their needs via appropriate channels","Ease of access to banking services, either in person or my mail","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","N",35]
[null,"Exposure and access to financial products ","Access to appropriate financial products which meet their needs via appropriate channels","Types of banking products held","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","N",36]
[null,"Exposure and access to appropriate financial advice and guidance","Digital access to financial advice, guidance and tools ","Use of the internet to access information about money and finances ","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","N",37]
[null,"Exposure and access to appropriate financial advice and guidance","Digital access to financial products and services ","Willingness to use the internet to carry out day to day banking","To what extent do you agree or disagree with the following statement:\n\nI would be happy to use the Internet to carry out day to day banking transactions","Y",38]
[null,"Attitudes to  credit use",0,"Preference for saving up rather than borrowing money","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 - I hate to borrow – I would much rather save up in advance","Y",39]
[null,"Belief that money advice and guidance can help them",0,"Likelihood of seeking money advice and guidance","How likely are you to take advice about dealing with money issues from a free advice organisation to deal with money worries? This could include Citizen's Advice Bureau, Money Advice Service or StepChange.\n\nCHOOSE ONE ONLY\n\n1. Very likely\n2. Fairly likely\n3. Fairly unlikely\n4. Very unlikely\n5. Don’t know\n","N",40]
[null,"Belief that money advice and guidance can help them",0,"Attitude towards money advice and guidance ","How much do you agree or disagree with each of the following statements? When we say advice and guidance, we mean from organisations like Citizen's Advice Bureau, Money Advice Service or StepChange and also from accountants and independent financial advisers\n\n• Asking for financial advice and guidance seems too scary \n• I’d feel embarrassed to take financial advice and guidance\n• I’d make better financial decisions with financial advice and guidance\n• I can sort out my own money issues, without financial advice and guidance\n• When it comes to things like bank accounts, credit cards or insurance, there’s not enough information out there I can trust\n","N",41]
[null,"Confidence questioning or challenging financial advice they are given","\n","Confidence talking to professionals about money","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","N",42]
[null,"Saving mindset ","Understand the value of saving for an unexpected event ","Perceived importance of saving for a rainy day","Thinking overall about your finances, how important do you think it is to save for a rainy day \n\n1. Very important\n2. Fairly important\n3. Neither important nor unimportant\n4. Fairly unimportant\n5. Very unimportant\n6. Don’t know","Y",43]
[null,"Saving mindset ","Recognise the importance of future financial needs in retirement","Perceived importance of putting money aside for retirement","How important do you think it is to put money aside for your retirement\n\n1. Very important\n2. Fairly important\n3. Neither important nor unimportant\n4. Fairly unimportant\n5. Very unimportant\n6. Don’t know","Y",44]
[null,"Saving mindset ","Motivated to keep track of finances ","Perceived importance of keeping track of income and expenditure ","How important 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","Y",45]
[null,"Saving mindset ","Understand the value of making their money go further by shopping around","Perceived importance of shopping around","How important do you think it is to shop around in order to make your money go further \n\n1. Very important\n2. Fairly important\n3. Neither important nor unimportant\n4. Fairly unimportant\n5. Very unimportant\n6. Don’t know","Y",46]
[null,"Saving mindset ","Understand the value of making their money go further by shopping around","Attitude to switching suppliers ","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 switching things like insurance, energy or bank accounts, 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","N",47]
[null,"Financial confidence","Confident managing money","Level of confidence in managing money","How confident do you feel about managing your money?  \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","Y",48]
[null,"Financial confidence","Confident choosing appropriate products/services","Level of confidence in choosing 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","Y",49]
[null,"Financial confidence","Confident keeping track of income and expenditure","Perceived quality of approach to keeping track of income and expenditure","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","N",50]
[null,"Financial confidence","Confident exercising their own judgment in financial decisions and to question\nsuggestions and advice","Level of confidence dealing with companies and making purchases ","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","N",51]
[null,"Financial confidence","Confident exercising their own judgment in financial decisions and to question\nsuggestions and advice","Level of confidence making decisions about pensions","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","N",52]
[null,"Financial confidence","Confident communicating about their situation and needs with financial\nservices professionals.","Level of confidence talking to advice providers ","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","N",53]
[null,"Belief in own ability to improve or maintain their financial situation",0,"Extent of feeling in control of financial situation\n","How much do you agree or disagree with each of the following statements?  \n \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","N",54]
[null,"Self-controlled spending ",0,"Frequency of buying on impulse","O4 To what extent would you say the following statements apply to you personally?\n\nA) I often buy things on impulse\n\n0 does not sound like me\n...\n10 sounds a lot like me\nDon't know\nNot applicable","Y",55]
[null,"Self-controlled spending ",0,"Ability to resist pressures to spend","O4 To what extent would you say the following statements apply to you personally?\n\nB) I feel under pressure to spend like my friends even when I can’t afford it.0 (does not sound like me at all) to 10 (sounds a lot like me)  \n\n\n0 does not sound like me\n...\n10 sounds a lot like me\nDon't know\nNot applicable","Y",56]
[null,"Financial engagement",0,"Extent of engagement with finances ","To what extent do you agree or disagree with the\nstatement \n\n\"I prefer to live for today and let tomorrow take care of itself\" \n \"Nothing I do will make much difference to my financial situation\"\n\"I am too busy to sort out my finances at the moment\"\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","Y",57]
[null,"Adaptable to changing financial circumstances ",0,"Willingness to adjust non-essential spending"," 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","Y",58]
[null,"Willing to talk openly and honestly about money with friends and family",0,"Willingness to talk 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","N",59]
[null,"Attitudes to the future ","Recognise the importance of balancing their future financial needs with their current financial needs ","Preference for saving for the future rather than spending now","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 - 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","N",60]
[null,"Attitudes to the future ","Anticipate and plan for future financial needs including less positive scenarios ","Extent of plans for funding future care needs ","Have you thought about or made any plans for how you might fund the care and support you may need as you get older? This might include in-home support or a care home.\nCODES 3,4,5,6 CAN BE MULTICODE\n1. I haven't really thought about it\n2. I've thought about it but haven’t done anything specific\n3. I’m saving money which could pay for this (e.g. savings, pension or investments)\n4. I’ve taken out insurance cover to pay for this (e.g. long-term care plan)\n5. I could sell property to pay for this\n6. I hope my family would help fund this\n7. Other (please specify)\n8. Don't know","N",61]
[null,"Attitudes to the future ","Anticipate and plan for future financial needs including less positive scenarios ","Extent of plans for coping with income loss due to changes in tax or benefits","Have you thought about or made any plans for how you might cope financially with an unexpected fall in your or your household’s income because of changes in tax or benefits?\nCODES 3,4,5,6 CAN BE MULTICODE\n1. I haven't really thought about it\n2. I've thought about it but haven’t done anything specific\n3. I’m saving money which could pay for this (e.g. savings, pension or investments)\n4. I could sell property to pay for this\n5. I hope family would help fund this\n6. Other (please specify)\n7. Don't know\n\n","N",62]
[null,"Attitudes to the future ","Anticipate and plan for future financial needs including less positive scenarios ","Extent of plans for coping with income loss due to redundancy or ill health","Have you thought about or made any plans for how you might cope financially with an unexpected fall in your or your household’s income because of redundancy or ill-health?\nCODES 3,4,5,6,7 CAN BE MULTICODE\n1. I haven't really thought about it\n2. I've thought about it but haven’t done anything specific\n3. I’m saving money which could pay for this (e.g. savings, pension or investments)\n4. I’ve taken out insurance to pay for this \n5. I could sell property to pay for this\n6. I hope family would help fund this\n7. Other (please specify)\n8. Don't know\n","N",63]
[null,"Attitudes to the future ","Anticipate and plan for future financial needs including less positive scenarios ","Extent of plans for coping with a rise in mortgage repayments","ONLY IF HAVE A MORTGAGE: 35. Have you thought about or made any plans for how you might cope financially if interest rates rise and your or your household’s mortgage repayments increase?\nCODES 3,4,5,6,7 CAN BE MULTICODE\n1. I haven't really thought about it\n2. I've thought about it but haven’t done anything specific\n3. I’m saving money which could pay for this (e.g. savings, pension or investments)\n4. I would switch to a new mortgage deal\n5. I could sell property to pay for this\n6. I hope family would help fund this\n7. Other (please specify)\n8. This won’t affect me – I’m on a fixed rate mortgage\n9. Don't know\n","N",64]
[null,"Financial numeracy","Understand financial concepts and are able to answer basic questions around\ninterest rates","Ability to calculate interest earned from 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?\n","Y",65]
[null,"Financial numeracy","Understand financial concepts and are able to answer basic questions around\ninterest rates","Ability to calculate interest owed on a loan","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","N",66]
[null,"Financial numeracy","Understand financial concepts and are able to answer basic questions around\ninflation","Understanding of the impact of inflation on buying power","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","Y",67]
[null,"Understand financial concepts and products  ","Understand different loan types and interest on borrowing","Understanding of loan types and calculating interest","STEM Which of these statements best describes how knowledgeable you feel about: \n\n- comparing different loans and credit cards\n- credit unions \n- calculating the total cost of a loan or credit such as Brighthouse or a car on hire purchase (including interest and charges)  \n\n1. I have an excellent knowledge\n2. I have a good knowledge\n3. I have a basic knowledge\n4. I know nothing about this\n5. Not applicable","N",68]
[null,"Understand financial concepts and products  ","Understand different loan types and interest on borrowing","Understanding of APR","QUIZ I would like to know whether you think the following statements are true or false.....\n\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","N",69]
[null,"Understand financial concepts and products ","Understand investments ","Understanding of investments \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 - It is usually possible to reduce the risk of investing in the stock market by buying a wide range of stocks and shares. \n\nTrue\nFalse\nDon't know","N",70]
[null,"Understanding financial concepts, products and situations","Understand bank accounts ","Knowledge of bank accounts and ability to check bank balance","STEM: Which of these statements best describes how knowledgeable you feel about: \n\n- bank accounts\n- checking the balance on your bank account\n\n1. I have an excellent knowledge\n2. I have a good knowledge\n3. I have a basic knowledge\n4. I know nothing about this\n5. Not applicable","N",71]
[null,"Understanding financial concepts, products and situations","Understand different insurance products and can assess which options are right for them","Understanding of insurance and ability to compare insurance products\n","STEM: Which of these statements best describes how knowledgeable you feel about: \n\n- insurance\n- comparing different types of insurance\n\n1. I have an excellent knowledge\n2. I have a good knowledge\n3. I have a basic knowledge\n4. I know nothing about this\n5. Not applicable","N",72]
[null,"Understanding financial concepts, products and situations","Understand different types of savings vehicles, and can assess which options are right for them","Understanding of savings accounts and ability to compare savings products","STEM: Which of these statements best describes how knowledgeable you feel about: \n- savings accounts \n- credit unions \n- comparing savings products  \n1. I have an excellent knowledge\n2. I have a good knowledge\n3. I have a basic knowledge\n4. I know nothing about this\n5. Not applicable","N ",73]
[null,"Understanding financial concepts, products and options relevant to their issue, life stage or event","Understand concepts, products and options relavent to their pension","Knowledge of pensions, ability to check and make decisions about pensions\n\n","STEM: Which of these statements best describes how knowledgeable you feel about: \n- pensions\n- checking how much pension income you will get when you retire\n- making decisions about a pension to give you an income you require in retirement \n1. I have an excellent knowledge\n2. I have a good knowledge\n3. I have a basic knowledge\n4. I know nothing about this\n5. Not applicable","N",74]
[null,"Understanding financial concepts, products and options relevant to their issue, life stage or event","Understand concepts, products and options relevant to their mortgage","Understanding of mortgages and mortgage repayments ","STEM: Which of these statements best describes how knowledgeable you feel about:  \n- mortgages\n- applying for a mortgage\n- calculating you monthly mortgage repayments if interest rates rise\n1. I have an excellent knowledge\n2. I have a good knowledge\n3. I have a basic knowledge\n4. I know nothing about this\n5. Not applicable","N ",75]
[null,"Understanding financial concepts, products and options relevant to their issue, life stage or event","Understand concepts, products and options relevant to problem debt","Knowledge of options and rights in relation to problem debt","STEM: Which of these statements best describes how knowledgeable you feel about:  \n- the different options for sorting out debt problems\n- the fees charged for debt solutions such as bankruptcy, Debt Relief Orders and Debt Management Plans\n- the steps I should take if I’m unable to pay my debts \n- my rights when companies try to recover money I owe them\n- the steps companies can take to recover the money I owe them\n1. I have an excellent knowledge\n2. I have a good knowledge\n3. I have a basic knowledge\n4. I know nothing about this\n5. Not applicable\n\n\n","N",76]
[null,"Knowledge of where to go for advice, guidance and tools about their financial situation, in person, by phone and using digital resources",0,"Awareness of different advice providers ","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. Consumer Credit Counselling Service (CCCS)/StepChange\n9. National Debtline\n[ADD OTHER RELEVANT ORGANISATIONS/SITES]\n11. None of these\n","N",77]
[null,"Knowledge of where to go for advice, guidance and tools about their financial situation, in person, by phone and using digital resources",0,"Knowledge of how to access money advice","STEM: Which of these statements best describes how knowledgeable you feel about:  \n- where to get  advice if you need help with your finances\n\n1. I have an excellent knowledge\n2. I have a good knowledge\n3. I have a basic knowledge\n4. I know nothing about this\n5. Not applicable","N",78]
[null,"Understanding financial concepts, products and situations","Understand the main types of financial fraud and how to protect themselves from it","Knowledge about types of fraud and ability to protect from fraud ","STEM: Which of these statements best describes how knowledgeable you feel about:  \n- different types of financial fraud/scams \n- protecting yourself from financial fraud / scams\n- protecting yourself from online financial fraud / scams\n\n1. I have an excellent knowledge\n2. I have a good knowledge\n3. I have a basic knowledge\n4. I know nothing about this\n5. Not applicable\n","N ",79]
[null,"Understanding money management","Understand the principles of budgeting and can develop a budget suited to their needs","Ability to create a weekly or monthly budget ","STEM: Which of these statements best describes how knowledgeable you feel about: \n- creating a weekly or monthly household budget\n\n1. I have an excellent knowledge\n2. I have a good knowledge\n3. I have a basic knowledge\n4. I know nothing about this\n5. Not applicable\n","N ",80]
[null,"Understanding money management","Knowing how to make their money go further","Ability to use a price comparison site ","STEM: Which of these statements best describes how knowledgeable you feel about: \n - using a price comparison website \n\n1. I have an excellent knowledge\n2. I have a good knowledge\n3. I have a basic knowledge\n4. I know nothing about this\n5. Not applicable\n\n","N",81]
[null,"Understanding money management","Knowing how to make their money go further","Ability to check benefits entitlements and tax payments","STEM: Which of these statements best describes how knowledgeable you feel about: \n- checking you’re getting all benefits you are entitled to\n- checking you’re paying the correct amount of tax\n\n1. I have an excellent knowledge\n2. I have a good knowledge\n3. I have a basic knowledge\n4. I know nothing about this\n5. Not applicable\n\n","N",82]
[null,"Basic skills: Literacy","People have the level of literacy needed to fill in forms and read information about financial products in English (or Welsh in Wales)","Level of literacy ","And how good are you at each of the following:\n\na)  writing in English when you need to in daily life? For example: writing letters or notes or filling in official forms?\nb) 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  ","N",83]
[null,"Basic skills: Digital Literacy","Able to use financial/money-related online services eg. forms, tools, emails, and online banking\n","Ability to carry out financial tasks and transactions online ","A) Do you access to the internet at home or elsewhere?\nYes\nNo\nDon't know\n\nIF DO HAVE ACCESS\nB) STEM I’d like you to think about different commercial transactions people do in their everyday lives like banking or shopping. How how knowledgeable you feel about: \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. I have an excellent knowledge\n2. I have a good knowledge\n3. I have a basic knowledge\n4. I know nothing about this\n5. Not applicable","N",84]
[null,"Basic skills: Digital Literacy","Able to navigate online content and locate the information they need","Ability to use the internet","How would you rate your ability to use the\nInternet?\n1. Excellent\n2. Good\n3. Fair\n4. Poor\n5. Bad\n6. Don’t know","N",85]
[null,"Basic skills:Digital literacy","Able to navigate online content and locate the information they need","Ability to find information online\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 ","N",86]
[null,"Basic skills: Communication","Able to confidently interact with others in English (or Welsh in Wales)","Ease of communicating in English or (Welsh in Wales)  ","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\nIF IN WALES: \nCan 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",87]
[null,"Income","Employment status","Standard question","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","N",88]
[null,"Income",0,"Fincap P4","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)","N",89]
[null,"Income",0,"Fincap P1","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 ","N",90]
[null,"Income",0,"X","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","N",91]
[null,"Income",0,"Fincap P3","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","N",92]
[null,"Savings",0,"Fincap G5","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 ","N",93]
[null,"Savings",0,"PDL Qsav","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)","N",94]
[null,"Other assets",0,"ELSA IAPROP and SEG N6","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)","N",95]
[null,"Other assets",0,"WAS Ten1\nSEG F21\nWAS Hvalue","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 ","N",96]
[null,"Access to affordable credit ",0,"HCC 8.9","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","N",97]
[null,"Committed expenditure","Additional outgoings","Number of additional high-value monthly outgoings","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)","N",98]
[null,"Committed expenditure","Additional outgoings","Number of additional high-value monthly outgoings that are more than budget allows for","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)","N",99]
[null,"Committed expenditure","Dependent children","Number of dependent children","How many children depend on you financially?","N",100]

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["In",null,"Sheet","Building Block","No.","Higher level outcome","Lower level outcome","Indicator","Original source","Final framework question","Notes for users",null,null,null,"Question","Section","Building Block?","Higher level outcome","Lower level outcome","Indicator","Original source","Final framework question","Notes for users"]
[false,{"$f":"IF(A3=TRUE,\"In\",\"Out\")","v":"Out"},{"$f":"'Outcome FW'!A3","v":"Financial Wellbeing"},{"$f":"'Outcome FW'!B3","v":"Y"},{"$f":"'Outcome FW'!C3","v":1},{"$f":"'Outcome FW'!D3","v":"Current financial wellbeing"},{"$f":"'Outcome FW'!E3","v":"Able to live (adequately) within means"},{"$f":"'Outcome FW'!F3","v":"Satisfaction with financial circumstances "},{"$f":"'Outcome FW'!G3","v":"FinCap B2"},{"$f":"'Outcome FW'!I3","v":"How satisfied are you with your overall financial circumstances? \n\nPlease answer on a scale of 0 to 10, where 0 is ‘not at all satisfied’ and 10 is ‘completely satisfied’ \n\n0 Not at all satisfied\n...\n10 Completely satisfied\nDon’t know"},{"$f":"'Outcome FW'!L3","v":"Use a visual 0 to 10 scale with the statements indicated attached the extremes.\n"},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E1))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E1))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D1))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E1))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F1))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G1))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H1))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I1))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J1))),\"\")","v":""}]
[false,{"$f":"IF(A4=TRUE,\"In\",\"Out\")","v":"Out"},{"$f":"'Outcome FW'!A4","v":"Financial Wellbeing"},{"$f":"'Outcome FW'!B4","v":"N"},{"$f":"'Outcome FW'!C4","v":2},{"$f":"'Outcome FW'!D4","v":"Current financial wellbeing"},{"$f":"'Outcome FW'!E4","v":"Able to live (adequately) within means"},{"$f":"'Outcome FW'!F4","v":"Regularity of running out of money "},{"$f":"'Outcome FW'!G4","v":"WAS ORunout"},{"$f":"'Outcome FW'!I4","v":"How often do you and your household run out of money before the end of the week or month or needed to use a credit card or overdraft to get by? Would you say it was ...\n1. Always\n2. Most of the time\n3. Sometimes\n4. Hardly ever\n5. Never\n6. Don’t know"},{"$f":"'Outcome FW'!L4","v":0},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E2))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E2))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D2))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E2))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F2))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G2))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H2))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I2))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J2))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A5","v":"Financial Wellbeing"},{"$f":"'Outcome FW'!B5","v":"Y"},{"$f":"'Outcome FW'!C5","v":3},{"$f":"'Outcome FW'!D5","v":"Current financial wellbeing"},{"$f":"'Outcome FW'!E5","v":"Able to keep up with bills "},{"$f":"'Outcome FW'!F5","v":"Self-reported keeping up with bills and commitments"},{"$f":"'Outcome FW'!G5","v":"Fincap J1"},{"$f":"'Outcome FW'!I5","v":"Which one of the following statements best describes how well you are keeping up with your bills and credit commitments at the moment? [Please include those you have personally or jointly with your partner/spouse]\nCHOOSE ONE ONLY\n1. Keeping up without any difficulties\n2. It is a struggle from time to time \n3. It is a constant struggle\n4. Falling behind with some bills or credit commitments\n5. Having real financial problems and have fallen behind with many bills or credit commitments  \n6. Don’t have any bills or credit commitments\n7. Don't know\n8. Prefer not to say"},{"$f":"'Outcome FW'!L5","v":0},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(D3))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E3))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D3))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E3))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F3))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G3))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H3))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I3))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J3))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A6","v":"Financial Wellbeing"},{"$f":"'Outcome FW'!B6","v":"Y"},{"$f":"'Outcome FW'!C6","v":4},{"$f":"'Outcome FW'!D6","v":"Current financial wellbeing"},{"$f":"'Outcome FW'!E6","v":"Bills / credit commitments are not a burden "},{"$f":"'Outcome FW'!F6","v":"Self-reported burden of bills and commitments"},{"$f":"'Outcome FW'!G6","v":"FinCap"},{"$f":"'Outcome FW'!I6","v":"To what extent do you feel that keeping up with your bills and credit commitments is a burden?\n1. It is not a burden at all\n2. It is somewhat of a burden \n3. It is a heavy burden\n4. Don't know\n"},{"$f":"'Outcome FW'!L6","v":0},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E4))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E4))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D4))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E4))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F4))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G4))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H4))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I4))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J4))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A7","v":"Financial Wellbeing"},{"$f":"'Outcome FW'!B7","v":"N"},{"$f":"'Outcome FW'!C7","v":5},{"$f":"'Outcome FW'!D7","v":"Current financial wellbeing"},{"$f":"'Outcome FW'!E7","v":"Not experiencing material deprivation"},{"$f":"'Outcome FW'!F7","v":"Regularity of being unable to pay for essentials "},{"$f":"'Outcome FW'!G7","v":"WB B3"},{"$f":"'Outcome FW'!I7","v":"How often do you and your household go without essential items due to a lack of money? This might include being unable to pay bills, buy food or pay for heating.\n1. Always\n2. Most of the time\n3. Sometimes\n4. Hardly ever\n5. Never\n6. Don’t know"},{"$f":"'Outcome FW'!L7","v":0},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E5))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E5))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D5))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E5))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F5))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G5))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H5))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I5))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J5))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A8","v":"Financial Wellbeing"},{"$f":"'Outcome FW'!B8","v":"N"},{"$f":"'Outcome FW'!C8","v":6},{"$f":"'Outcome FW'!D8","v":"Current financial wellbeing"},{"$f":"'Outcome FW'!E8","v":"Not experiencing material deprivation"},{"$f":"'Outcome FW'!F8","v":"Number of expenses considered affordable"},{"$f":"'Outcome FW'!G8","v":"SILC Afford"},{"$f":"'Outcome FW'!I8","v":"Looking at this list, can I just check whether your household could afford the following things? \nCHOOSE ALL THAT APPLY\n1. A week's annual holiday away from home\n2. Buying new, rather than second hand, clothes\n3. Keeping your home adequately warm in winter\n4. Having friends or family for a drink or meal once a month\n5. Going out or socialising\n6. A hobby or leisure activity\n7. Replacing a major electrical appliance (e.g. fridge)\n8. Keeping your home in a decent state of decoration\n9. None of these (SINGLE CODE ONLY)"},{"$f":"'Outcome FW'!L8","v":0},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E6))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E6))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D6))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E6))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F6))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G6))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H6))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I6))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J6))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A9","v":"Financial Wellbeing"},{"$f":"'Outcome FW'!B9","v":"Y"},{"$f":"'Outcome FW'!C9","v":7},{"$f":"'Outcome FW'!D9","v":"Current financial wellbeing"},{"$f":"'Outcome FW'!E9","v":"Able to pay unexpected bills"},{"$f":"'Outcome FW'!F9","v":"Capacity to pay an unexpected bill of £300"},{"$f":"'Outcome FW'!G9","v":"Fincap I10"},{"$f":"'Outcome FW'!I9","v":"Thinking about an unexpected bill of £300 that you have to pay within seven days from today, which of the following would you do? \n\nIf you think you would do more than one, please select the main thing you would do, that is the one you would get the most money from.\nCHOOSE ONE ONLY\n1. I  would pay it with my own money, without dipping into savings or cutting back on essentials\n2. I would pay it with my own money, without dipping into savings but I would have to cut back on essentials\n3. I would have to dip into savings \n4. I would use a form of credit (e.g. credit card, take out a loan or make use of an authorised overdraft facility)\n5. I would go overdrawn without authorisation\n6. I would get the money from friends or family as gift or loan\n7. I would have to sell personal/household item(s) to get the money  \n8. I would not be able to pay this expense\n9. Don’t know \n10. Prefer not to say"},{"$f":"'Outcome FW'!L9","v":0},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E7))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E7))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D7))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E7))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F7))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G7))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H7))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I7))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J7))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A10","v":"Financial Wellbeing"},{"$f":"'Outcome FW'!B10","v":"Y"},{"$f":"'Outcome FW'!C10","v":8},{"$f":"'Outcome FW'!D10","v":"Longer term financial security"},{"$f":"'Outcome FW'!E10","v":"Able to withstand a significant financial shock "},{"$f":"'Outcome FW'!F10","v":"Ratio of savings to income"},{"$f":"'Outcome FW'!G10","v":"Genworth"},{"$f":"'Outcome FW'!I10","v":"See means section of framework for savings and income questions"},{"$f":"'Outcome FW'!L10","v":"You will need to calculate the savings to income ratio for each beneficiary. There are questions in our means section that you can use to capture people’s income and savings – either as an exact amount or using value range. Analysis of the Financial Capability survey for the UK used gross annual income and all savings excluding pensions to calculate the ratio. Remember that if you are using household income you should use household savings to calculate the ratio and likewise for personal income and personal savings. If you are capturing income and savings within a value range (e.g.  £4,500 - £6,499) you can use the middle value to calculate the ratio (e.g. £5499.50). If you would like any help or advice with this, please get in touch.  "},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E8))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E8))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D8))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E8))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F8))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G8))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H8))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I8))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J8))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A11","v":"Financial Wellbeing"},{"$f":"'Outcome FW'!B11","v":"Y"},{"$f":"'Outcome FW'!C11","v":9},{"$f":"'Outcome FW'!D11","v":"Longer term financial security"},{"$f":"'Outcome FW'!E11","v":"Able to withstand a significant financial shock "},{"$f":"'Outcome FW'!F11","v":"Number of insurance and protection products"},{"$f":"'Outcome FW'!G11","v":"Fincap E12\n/3"},{"$f":"'Outcome FW'!I11","v":"Which, if any, of the following protection products do you and your partner/spouse have, even if you didn't arrange them yourself? \nCHOOSE ALL THAT APPLY\n1.  Home insurance (covering contents and/or the building)\n2. Insurance for specific items (e.g. white goods, mobile phone)\n3. Payment protection insurance (e.g. for a credit card or mortgage)\n4. Private Medical Insurance (paying or part-paying private hospital or specialist health care)\n5. . Critical illness Insurance (paying a lump sum if you become seriously ill)\n6. Income protection insurance  (providing regular payments if you cannot work due to ill health or accident)\n7. Life insurance that pays out on death\n8. Anther type of insurance\n9. Funeral plan\n10. A will \n11.[OTHER/ADDITIONAL ITEMS]\n12. None of these (SINGLE CODE ONLY)"},{"$f":"'Outcome FW'!L11","v":"This question might be useful in conjunction with questions on individuals savings to income ratio and capacity to pay an unexpected bill in order to build a picture of your beneficiaries overall resilience to both minor and major financial shocks. "},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E9))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E9))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D9))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E9))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F9))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G9))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H9))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I9))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J9))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A12","v":"Financial Wellbeing"},{"$f":"'Outcome FW'!B12","v":"Y"},{"$f":"'Outcome FW'!C12","v":10},{"$f":"'Outcome FW'!D12","v":"Longer term financial security"},{"$f":"'Outcome FW'!E12","v":"Able to withstand a significant financial shock "},{"$f":"'Outcome FW'!F12","v":"Number of types of longer term savings products "},{"$f":"'Outcome FW'!G12","v":"FinCap G1"},{"$f":"'Outcome FW'!I12","v":"Do you currently have savings or investments in any of the following? Please do not include any money that you have saved in a pension. \n1. In a savings account \n2. In an ISA\n3. In a cash / money box\n4. In a credit union account\n5. In a savings club (e.g. Christmas savings club)\n6. Premium bonds\n7. In a current account\n8. In investments/stocks & shares\n9. Other (please specify) \n10. I do not have any savings (SINGLE CODE ONLY)\n11. Prefer not to say (SINGLE CODE ONLY)"},{"$f":"'Outcome FW'!L12","v":"This question might be useful in conjunction with questions on savings to build a picture of your beneficiaries level of savings. "},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E10))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E10))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D10))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E10))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F10))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G10))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H10))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I10))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J10))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A13","v":"Financial Wellbeing"},{"$f":"'Outcome FW'!B13","v":"Y"},{"$f":"'Outcome FW'!C13","v":11},{"$f":"'Outcome FW'!D13","v":"Finances and emotional/mental wellbeing"},null,{"$f":"'Outcome FW'!F13","v":"Level of anxiety about finances "},{"$f":"'Outcome FW'!G13","v":"FinCap"},{"$f":"'Outcome FW'!I13","v":"To what extent do you agree or disagree with the following statements?\nB. Thinking about my financial situation makes me anxious\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know"},{"$f":"'Outcome FW'!L13","v":0},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E11))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E11))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D11))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E11))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F11))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G11))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H11))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I11))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J11))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A14","v":"Financial Wellbeing"},{"$f":"'Outcome FW'!B14","v":"N"},{"$f":"'Outcome FW'!C14","v":12},{"$f":"'Outcome FW'!D14","v":"Finances and emotional/mental wellbeing"},{"$f":"'Outcome FW'!E14","v":"   "},{"$f":"'Outcome FW'!F14","v":"Effect of finances on mental health "},{"$f":"'Outcome FW'!G14","v":"NI L&T 2000 LoseJob and DAE Q28"},{"$f":"'Outcome FW'!I14","v":"A) To what extent, if at all, do you worry about your current financial situation?\nCHOOSE ONE ONLY\n1. Worry a great deal\n2. Worry to some extent \n3. Worry a little \n4. Don’t worry at all \n5. Don’t know\n\nB) And which of these do you experience because of your or your household's financial situation?\n1. Stress or anxiety\n2. Low mood or depression\n3. Self-harm or suicidal thoughts\n4. Difficulty concentrating or relaxing\n5. Difficulty sleeping\n6. Panic attacks\n7. Family tension or arguments\n8. Domestic abuse or violence\n9. Poor/loss of appetite or eating too much\n10. Increased use of alcohol \n11. Misuse of prescription or over-the-counter drugs\n12. Use of illicit (illegal) drugs or legal highs\n13. Other (specify) \n14. Not experienced any of these\n15. Prefer not to say\n16. Don't know\n"},{"$f":"'Outcome FW'!L14","v":"Both questions can be asked, but in this order."},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E12))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E12))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D12))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E12))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F12))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G12))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H12))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I12))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J12))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A15","v":"Financial Wellbeing"},{"$f":"'Outcome FW'!B15","v":"N"},{"$f":"'Outcome FW'!C15","v":13},{"$f":"'Outcome FW'!D15","v":"Confindent about financial future"},{"$f":"'Outcome FW'!E15","v":"   "},{"$f":"'Outcome FW'!F15","v":"Level of confidence in future finances "},{"$f":"'Outcome FW'!G15","v":"BASE QCstali "},{"$f":"'Outcome FW'!I15","v":"Taking everything into account, how confident are you that you will have enough money to give you the standard of living you hope for in a year from now?\nCHOOSE ONE ONLY\n1. Very confident\n2. Fairly confident\n3. Not very confident\n4. Not at all confident\n5. Don’t know"},{"$f":"'Outcome FW'!L15","v":0},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E13))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E13))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D13))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E13))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F13))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G13))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H13))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I13))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J13))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A16","v":"Behaviour"},{"$f":"'Outcome FW'!B16","v":"Y"},{"$f":"'Outcome FW'!C16","v":14},{"$f":"'Outcome FW'!D16","v":"Managing credit use"},{"$f":"'Outcome FW'!E16","v":"Reducing the value of unsecured borrowing"},{"$f":"'Outcome FW'!F16","v":"Total unsecured borrowing"},{"$f":"'Outcome FW'!G16","v":"Fincap E7"},{"$f":"'Outcome FW'!I16","v":"If you added up all of your  balances on credit cards, store cards, personal loans, hire purchase, car finance arrangements and student loans, approximately how much do you owe in total? "},{"$f":"'Outcome FW'!L16","v":"When analysing this data, be aware that borrowing is not always a bad, when at an affordable level. Also it is worth taking into account payment cycles when interpreting your results. Regular credit card users, for example, who pay off their credit cards in full each month, may show an increase in levels of borrowing if the pre measure is taken immediately after making a payment and the post measure is taken just before their payment is due.  Please get in touch if you would like advice on how to manage this. "},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E14))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E14))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D14))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E14))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F14))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G14))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H14))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I14))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J14))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A17","v":"Behaviour"},{"$f":"'Outcome FW'!B17","v":"Y"},{"$f":"'Outcome FW'!C17","v":15},{"$f":"'Outcome FW'!D17","v":"Managing credit use"},{"$f":"'Outcome FW'!E17","v":"Planning how to pay down debt "},{"$f":"'Outcome FW'!F17","v":"Quality of plan for paying down debt "},{"$f":"'Outcome FW'!G17","v":"Fincap D3"},{"$f":"'Outcome FW'!I17","v":"How much of a plan do you have about how you will pay off or reduce my debts?\nPlease answer on a scale of 0 to 10, where 0 means you don’t have a plan of what you need to do and 10 means you have a very specific plan of what you need to do.\n\n- 0 I don’t have a plan of what I need to do\n...\n- 10 I have a very specific plan of what I need to do\n\nDon’t know\n\n"},{"$f":"'Outcome FW'!L17","v":0},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E15))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E15))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D15))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E15))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F15))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G15))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H15))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I15))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J15))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A18","v":"Behaviour"},{"$f":"'Outcome FW'!B18","v":"Y"},{"$f":"'Outcome FW'!C18","v":16},{"$f":"'Outcome FW'!D18","v":"Managing credit use"},{"$f":"'Outcome FW'!E18","v":"Using credit responsibly/sensibly"},{"$f":"'Outcome FW'!F18","v":"Approach to credit card repayment "},{"$f":"'Outcome FW'!G18","v":"Fincap E10"},{"$f":"'Outcome FW'!I18","v":"How do you generally handle paying your bill each month for your credit cards or store cards? \n1. I generally make the minimum payment each month, but I pay more than the minimum when I can\n2. I vary in the amount I pay off – between the minimum and the full amount\n3. I usually pay in full, but sometimes let part of the balance roll over to the next month\n4. I always pay in full\n5. Don’t know\n6. Prefer not so say\n"},{"$f":"'Outcome FW'!L18","v":"This question might be useful in conjunction with questions on individuals  attitudes to borrowing (see mindset) to build a picture of your beneficiaries borrowing behaviour and inclination to borrow. "},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E16))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E16))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D16))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E16))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F16))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G16))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H16))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I16))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J16))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A19","v":"Behaviour"},{"$f":"'Outcome FW'!B19","v":"N"},{"$f":"'Outcome FW'!C19","v":17},{"$f":"'Outcome FW'!D19","v":"Managing credit use"},{"$f":"'Outcome FW'!E19","v":"Taking steps to tackle problem debt"},{"$f":"'Outcome FW'!F19","v":"Steps taken to tackle problem debt"},{"$f":"'Outcome FW'!G19","v":"Fincap J4"},{"$f":"'Outcome FW'!I19","v":"PRE: In the last X months, which of the following steps have you taken to reduce the amount of money you owe? This includes any debts you haven’t paid  or late/unpaid bills and credit commitments.\n\nPOST: Since [Reference Point], which of the following steps have you taken to reduce the amount of money you owe? This includes any debts you haven’t paid  or late/unpaid bills and credit commitments.\n\nCHOOSE ALL THAT APPLY\n\n1. Do not have any debts\n2. Increased regular payments\n3. Paid a lump sum towards them\n4. Spoken to the company/companies the money is owed to\n5. Taken independent advice (e.g. from Citizen's Advice Bureau, StepChange, Money Advice Service)\n6. Consolidated loans or credit cards \n7. Set up a Debt Management Plan or Debt Arrangement Scheme\n8. Arranged to write off some or all debts (e.g. applied for bankruptcy or a debt relief order, or set up an IVA)\n9. Other (specify)\n10. None of these, but have debts\n"},{"$f":"'Outcome FW'!L19","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(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E17))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E17))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D17))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E17))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F17))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G17))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H17))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I17))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J17))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A20","v":"Behaviour"},{"$f":"'Outcome FW'!B20","v":"Y"},{"$f":"'Outcome FW'!C20","v":18},{"$f":"'Outcome FW'!D20","v":"Keeping track of income and spending"},{"$f":"'Outcome FW'!E20","v":" "},{"$f":"'Outcome FW'!F20","v":"Accuracy of knowledge about spending money"},{"$f":"'Outcome FW'!G20","v":"Fincap F2"},{"$f":"'Outcome FW'!I20","v":"Which of these best describes how accurately you know how much money you have at present, excluding any savings?  We’re not interested in how much money you have, just how accurately you know how much money you have to spend. \nCHOOSE ONE ONLY\n1. I know within a pound or two\n2. I know within £10 \n3. I know within £50\n4. I know within £100 \n5. I know within £500\n6. I have no idea at all\n\n"},{"$f":"'Outcome FW'!L20","v":"This question should be asked before asking other questions about keeping track. \n\nThis question has been adapted from Money Advice Services building blocks of financial capability, based on key driver analysis of the financial capability survey. The measure in the financial capability survey, asks about the balance of their current account, rather than money to spend more generally. \n\nThe original measure was worded as follows:  Which of these best describes how accurately you know the balance on this account?  We’re not interested in how much money is in the account, just how accurately you know how much money you have in the account."},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E18))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E18))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D18))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E18))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F18))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G18))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H18))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I18))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J18))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A21","v":"Behaviour"},{"$f":"'Outcome FW'!B21","v":"Y"},{"$f":"'Outcome FW'!C21","v":19},{"$f":"'Outcome FW'!D21","v":"Keeping track of income and spending"},{"$f":"'Outcome FW'!E21","v":"Keeping track of income and spending"},{"$f":"'Outcome FW'!F21","v":"Regularity of checking current account balance"},{"$f":"'Outcome FW'!G21","v":"FinCap F5"},{"$f":"'Outcome FW'!I21","v":"How often do you normally check how much money is in your current account?  This could be through getting a mini statement at a bank machine, receiving an automated text message or looking at your account details online. Please choose one option only. \n1. Every day\n2. At least once a week, but not every day\n3. At least once a fortnight, but not once a week\n4. At least once a month, but not once a fortnight\n5. Less than once a month\n6. Other (please specify)\n7. Never\n8. Don’t know\n"},{"$f":"'Outcome FW'!L21","v":0},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E19))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E19))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D19))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E19))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F19))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G19))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H19))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I19))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J19))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A22","v":"Behaviour"},{"$f":"'Outcome FW'!B22","v":"Y"},{"$f":"'Outcome FW'!C22","v":20},{"$f":"'Outcome FW'!D22","v":"Keeping track of income and spending"},{"$f":"'Outcome FW'!E22","v":" "},{"$f":"'Outcome FW'!F22","v":"Methods used to keep track of income and expenditure"},{"$f":"'Outcome FW'!G22","v":"FinCap I5 "},{"$f":"'Outcome FW'!I22","v":"Which of these do you regularly use to keep track of your income and spending? Please select all that apply. \n1. An online budgeting tool\n2. An App on a mobile or other electronic device\n3. A spreadsheet\n4. A piece of paper\n5. An accounts book or notebook\n6. A financial software package\n7. By checking my bank balance\n8. By reviewing  bank statements\n9. In my head\n10. Other (please specify)\n11.  I don’t keep track\n12. Don’t know \n"},{"$f":"'Outcome FW'!L22","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 9, 11 and 12 to any other code and / or increasing the number of behaviours they have adopted "},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E20))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E20))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D20))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E20))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F20))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G20))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H20))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I20))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J20))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A23","v":"Behaviour"},{"$f":"'Outcome FW'!B23","v":"N"},{"$f":"'Outcome FW'!C23","v":21},{"$f":"'Outcome FW'!D23","v":"Keeping track of income and spending"},{"$f":"'Outcome FW'!E23","v":"Creating and sticking to a viable budget"},{"$f":"'Outcome FW'!F23","v":"Quality of spending plans, frequency of sticking to budget"},{"$f":"'Outcome FW'!G23","v":"CitA 3"},{"$f":"'Outcome FW'!I23","v":"A) How closely do you normally plan how you will spend your money over the coming week or month? For example by drawing up a budget.\nCHOOSE ONE ONLY\n1. Very closely\n2. Fairly closely\n3. Not very closely\n4. I do not plan my spending at all\n5. Don't know\n\nB) And, how often do you keep to the budget you set?\nCHOOSE ONE ONLY\n1. Always \n2. Most of the time\n3. Sometimes\n4. Hardly ever\n5. Never\n6. Do not budget"},{"$f":"'Outcome FW'!L23","v":"Both questions should be used together, in this order."},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E21))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E21))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D21))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E21))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F21))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G21))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H21))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I21))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J21))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A24","v":"Behaviour"},{"$f":"'Outcome FW'!B24","v":"N"},{"$f":"'Outcome FW'!C24","v":22},{"$f":"'Outcome FW'!D24","v":"Managing bill payments"},{"$f":"'Outcome FW'!E24","v":" "},{"$f":"'Outcome FW'!F24","v":"Frequency of missed bill payments "},{"$f":"'Outcome FW'!G24","v":"DAE Q19"},{"$f":"'Outcome FW'!I24","v":"How often do you delay or miss paying a bill, beyond the date it becomes due?\nCHOOSE ONE ONLY\n1. I often do this \n2. I occasionally do this \n3. I rarely do this \n4. I never do this"},{"$f":"'Outcome FW'!L24","v":0},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E22))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E22))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D22))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E22))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F22))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G22))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H22))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I22))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J22))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A25","v":"Behaviour"},{"$f":"'Outcome FW'!B25","v":"N "},{"$f":"'Outcome FW'!C25","v":23},{"$f":"'Outcome FW'!D25","v":"Managing bill payments"},{"$f":"'Outcome FW'!E25","v":" "},{"$f":"'Outcome FW'!F25","v":"Quality of planning to pay bills"},{"$f":"'Outcome FW'!G25","v":"BASE Qbplan"},{"$f":"'Outcome FW'!I25","v":"How well do you usually plan ahead to make sure you have the money to pay for regular bills and expenses? \nCHOOSE ONE ONLY\n1. Plan ahead to cover the full amount\n2. Plan ahead to cover some of the amount\n3. Don't plan ahead because there is always enough money to cover them\n4. Don't plan ahead at all\n"},{"$f":"'Outcome FW'!L25","v":0},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E23))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E23))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D23))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E23))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F23))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G23))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H23))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I23))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J23))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A26","v":"Behaviour"},{"$f":"'Outcome FW'!B26","v":"N"},{"$f":"'Outcome FW'!C26","v":24},{"$f":"'Outcome FW'!D26","v":"Maximising income"},{"$f":"'Outcome FW'!E26","v":" "},{"$f":"'Outcome FW'!F26","v":"Regularity of shopping around to get the best deal  "},{"$f":"'Outcome FW'!G26","v":"NEW"},{"$f":"'Outcome FW'!I26","v":"When choosing or renewing a product or package, how often do you or your someone else in your household spend time comparing different products or packages? This might include mobile phone contracts, gas and electricity, or insurance.\nCHOOSE ONE ONLY\n1. I/we always spend time comparing\n2. I/we sometimes spend time comparing\n3. I/we very rarely spend time comparing\n4. I/we never spend time comparing\n5. Don’t know\n"},{"$f":"'Outcome FW'!L26","v":0},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E24))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E24))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D24))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E24))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F24))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G24))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H24))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I24))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J24))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A27","v":"Behaviour"},{"$f":"'Outcome FW'!B27","v":"N"},{"$f":"'Outcome FW'!C27","v":25},{"$f":"'Outcome FW'!D27","v":"Maximising income "},{"$f":"'Outcome FW'!E27","v":" "},{"$f":"'Outcome FW'!F27","v":"Steps taken to make money go further"},{"$f":"'Outcome FW'!G27","v":"CitA"},{"$f":"'Outcome FW'!I27","v":"Which of the following things, if any, do you currently do to make your money go further?  \nCHOOSE ALL THAT APPLY\n1. Shop around for food and groceries \n2. Look out for special offers or reduced items\n3. Plan meals in advance \n4. Make a shopping list\n5. Avoid treats and non-essential items\n6. Use money saving tips\n7. Turn lights/power off at home when they are not in use\n8. Check the charges on essential bills such as electricity or phone to see if there is a cheaper tariff or supplier available  \n9. None of these"},{"$f":"'Outcome FW'!L27","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(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E25))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E25))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D25))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E25))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F25))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G25))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H25))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I25))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J25))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A28","v":"Behaviour"},{"$f":"'Outcome FW'!B28","v":"N"},{"$f":"'Outcome FW'!C28","v":26},{"$f":"'Outcome FW'!D28","v":"Maximising income "},{"$f":"'Outcome FW'!E28","v":" "},{"$f":"'Outcome FW'!F28","v":"Claiming benefits and adjusting claim following changes in circumstances"},{"$f":"'Outcome FW'!G28","v":"N/A"},{"$f":"'Outcome FW'!I28","v":"We have not included a measure of ths behaviour as the actions an individual should take, and when, will differ depending on the their circumstances, the benefits they are claiming and changes to welfare policy.\n\nHouseholds who are claiming benefits must ensure their claim is accurate and up to date following any changes in circumstances, both to ensure that they are getting the full amount they are entitled to and to stop any over-payments, which they might struggle to pay back in the future. \n\nIf your intervention is seeking to maximise beneficiaries' income by supporting them to claim benefits, you might consider using changes to beneficiaries income alongside other administration data (such as whether the advisor helped them to make a claim) to evidence this. Please get in touch with the Money Advice Service if you would like help with deciding how best to measure this outcome."},{"$f":"'Outcome FW'!L28","v":0},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E26))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E26))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D26))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E26))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F26))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G26))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H26))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I26))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J26))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A29","v":"Behaviour"},{"$f":"'Outcome FW'!B29","v":"Y"},{"$f":"'Outcome FW'!C29","v":27},{"$f":"'Outcome FW'!D29","v":"Active saving "},{"$f":"'Outcome FW'!E29","v":"Saving on a regular basis"},{"$f":"'Outcome FW'!F29","v":"Frequency of saving and amount saved "},{"$f":"'Outcome FW'!G29","v":"FinCap G3 and G4\n\nCitA Q33"},{"$f":"'Outcome FW'!I29","v":"A) Which of these best describes how often you save money? \nCHOOSE ONE ONLY\n1. Every month\n2. Most months\n3. Some months, but not others\n4. Rarely/never\n5. Don’t know\n\nB) Just thinking about the months that you save money is the amount that you save…\n1. Roughly the same each month\n2. A little different from month to month\n3. Very different from month to month\n4. Don’t know\n\nC) About how much on average do you personally manage to save each month, at the moment? \nENTER AMOUNT IN £\nVaries too much to say"},{"$f":"'Outcome FW'!L29","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(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E27))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E27))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D27))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E27))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F27))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G27))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H27))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I27))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J27))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A30","v":"Behaviour"},{"$f":"'Outcome FW'!B30","v":"Y"},{"$f":"'Outcome FW'!C30","v":28},{"$f":"'Outcome FW'!D30","v":"Building resilience"},{"$f":"'Outcome FW'!E30","v":"Saving for expected and unexpected expenses"},{"$f":"'Outcome FW'!F30","v":"Number of expected and unexpected expenses "},{"$f":"'Outcome FW'!G30","v":"Fincap G7 and G8 adapted "},{"$f":"'Outcome FW'!I30","v":"Here is a list of some of the reasons people have said they save. Which, if any, of these are reasons why  you/you and your partner/spouse have savings?  \nPLEASE SELECT ALL THAT APPLY\n1. To pay for planned expenses, purchases or events\n2. In case I have to pay for unexpected expenses/purchases\n3. For a rainy day generally\n4. In case my or my partner/spouse's income changes\n5. For my retirement (excluding paying into a pension)\n6. None of these (SINGLE CODE ONLY)\n7. Don’t know (SINGLE CODE ONLY)\n\nWhat planned expenses, purchases or events are you saving for?\nPLEASE SELECT ALL THAT APPLY\n1. Deposit to rent own home\n2. Deposit to buy own home\n3. Other expenses to move house\n4. A wedding\n5. Starting a family/having another child\n6. Education for me or my partner/spouse\n7. Education for children/grown-up children\n8. Helping grown-up children to rent a home\n9. Helping grown-up children to buy a home\n10. A holiday\n11. Retirement\n12. Home improvements\n13. Purchasing a car/van/motorbike\n14. Other (please specify)\n15. Don’t know (SINGLE CODE ONLY)"},{"$f":"'Outcome FW'!L30","v":"Practitioners can choose to use either question or both, remembering to include the preamble once.\n\nSee managing well day to day: active saving for a measure of saving behaviour. \n\nSee means: savings for a measure of the total amount held in savings "},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E28))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E28))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D28))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E28))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F28))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G28))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H28))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I28))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J28))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A31","v":"Behaviour"},{"$f":"'Outcome FW'!B31","v":"Y"},{"$f":"'Outcome FW'!C31","v":101},{"$f":"'Outcome FW'!D31","v":"Buidling resilience "},{"$f":"'Outcome FW'!E31","v":"Increasing the total amount saved"},{"$f":"'Outcome FW'!F31","v":"Amount in personal savings and investments (excluding pension)"},{"$f":"'Outcome FW'!G31","v":"Fincap G5"},{"$f":"'Outcome FW'!I31","v":"A) Approximately how much, if anything, do you personally have in savings and investments? Please do not include any money that you have saved in a pension. \n1. ENTER EXACT AMOUNT\n2. I do not have any savings and investments\n3. Don’t know \n4. Prefer not to say \n\nB) Could you estimate the total within the following bands?\nCHOOSE ONE ONLY\n1. £100 or less\n2. £101 - £500\n3. £501 - £1,000\n4. £1,001 - £9,999\n5. £10,000 - £19,999\n6. £20,000 or more\n7. Don’t know\n8. Prefer not to say "},{"$f":"'Outcome FW'!L31","v":0},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E29))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E29))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D29))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E29))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F29))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G29))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H29))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I29))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J29))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A32","v":"Behaviour"},{"$f":"'Outcome FW'!B32","v":"Y"},{"$f":"'Outcome FW'!C32","v":29},{"$f":"'Outcome FW'!D32","v":"Working towards financial goals "},{"$f":"'Outcome FW'!E32","v":" "},{"$f":"'Outcome FW'!F32","v":"Number of financial goals and quality of plan for achieving goals"},{"$f":"'Outcome FW'!G32","v":"Fincap D2 & D3"},{"$f":"'Outcome FW'!I32","v":"A) Which, if any, of these financial goals do you have for the next five years?\nPLEASE SELECT ALL THAT APPLY \n1. Just making ends meet day to day\n2. Paying off my debts/reducing debts\n3. Saving money to rent own home\n4. Saving money to buy own home\n5. Saving money for a wedding\n6. Saving money to start a family/have another child\n7. Saving money  for education for me <IF CODE 2 AT A6 and my partner/spouse>\n8. Saving money  for education for children/grown-up children\n9. Saving money  to help grown-up children to rent a home\n10. Saving money  to help grown-up children to buy a home\n11. Saving money for a holiday\n12. Saving money for retirement\n13. Saving money for home improvements\n14. Saving money to purchase a car/van/motorbike\n15. Saving money generally\n16. Other (please specify)\n17. None of these (SINGLE CODE ONLY)\n\nB) How much of a plan do you have about how you will achieve your financial goal for (ANSWER FROM D2)\n\nPlease answer on a scale of 0 to 10, where 0 means you don’t have a plan of what you need to do and 10 means you have a very specific plan of what you need to do…"},{"$f":"'Outcome FW'!L32","v":"For paper based survey, consider presenting questions A and B in a grid format in order to capture the level of plan respondents have to achieve each of their goals. "},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E30))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E30))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D30))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E30))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F30))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G30))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H30))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I30))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J30))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A33","v":"Behaviour"},{"$f":"'Outcome FW'!B33","v":"N"},{"$f":"'Outcome FW'!C33","v":30},{"$f":"'Outcome FW'!D33","v":"Saving for retirement"},{"$f":"'Outcome FW'!E33","v":" "},{"$f":"'Outcome FW'!F33","v":"Whether currently paying into a pension scheme "},{"$f":"'Outcome FW'!G33","v":"Fincap H1"},{"$f":"'Outcome FW'!I33","v":"Are you currently paying into one or more pensions? This can include an employer or any other type of private pension\nCHOOSE ONE ONLY\n1. Yes\n2. No\n3. I am retired so I am not paying into a pension\n4. Don’t know"},{"$f":"'Outcome FW'!L33","v":0},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E31))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E31))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D31))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E31))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F31))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G31))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H31))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I31))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J31))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A34","v":"Behaviour"},{"$f":"'Outcome FW'!B34","v":"N"},{"$f":"'Outcome FW'!C34","v":31},{"$f":"'Outcome FW'!D34","v":"Saving for retirement"},{"$f":"'Outcome FW'!E34","v":" "},{"$f":"'Outcome FW'!F34","v":"Steps taken to ensure adequate income (for pension or retirement)"},{"$f":"'Outcome FW'!G34","v":"NEW"},{"$f":"'Outcome FW'!I34","v":"PRE. In the last [X] months, which of the following have you done in relation to your pension or retirement income?\n\nPOST. Since [REFERENCE POINT], which of the following have you done in relation to your pension or retirement income? \nCHOOSE ALL THAT APPLY\n\n1. Checked whether my income will be enough to meet my needs in retirement\n2. Increased how much I am paying towards my retirement income\n3. I don't have a pension / source of retirement income\n4. Neither of these\n"},{"$f":"'Outcome FW'!L34","v":"Practitioners can change the standard reference period of [X]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(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E32))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E32))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D32))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E32))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F32))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G32))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H32))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I32))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J32))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A35","v":"Behaviour"},{"$f":"'Outcome FW'!B35","v":"N"},{"$f":"'Outcome FW'!C35","v":32},{"$f":"'Outcome FW'!D35","v":"Proactively seeking advice and guidance "},{"$f":"'Outcome FW'!E35","v":" "},{"$f":"'Outcome FW'!F35","v":"How recently guidance and advice has been used"},{"$f":"'Outcome FW'!G35","v":"WAS DBurdW"},{"$f":"'Outcome FW'!I35","v":"PRE: In the last [SIX] months, which of these have you used for information or advice about your finances?\nPOST: Since [REFERENCE POINT] which of these have you used for information or advice about your finances?\nCHOOSE ALL THAT APPLY\n1. A free advice agency (Money Advice Service, Citizens Advice Bureau, money or debt advice centre, law centre, consumer credit counselling service, National Debtline, benefits office)\n2. An insolvency practitioner\n3. Accountant, bank or other financial adviser\n4. Solicitor or lawyer\n5. Other advice company or person charging a fee\n6. Landlord\n7. Family or friends\n8. Martin Lewis/Money Saving Expert\n9. Price comparison websites e.g. moneysupermarket.com\n10. Other websites\n11. Other (specify)\n12. I haven’t used any of these for advice\n"},{"$f":"'Outcome FW'!L35","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(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E33))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E33))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D33))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E33))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F33))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G33))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H33))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I33))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J33))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A36","v":"Behaviour"},{"$f":"'Outcome FW'!B36","v":"N "},{"$f":"'Outcome FW'!C36","v":33},{"$f":"'Outcome FW'!D36","v":"Proactively seeking online advice and guidance"},{"$f":"'Outcome FW'!E36","v":" "},{"$f":"'Outcome FW'!F36","v":"How frequently online advice and guidance has been sought"},{"$f":"'Outcome FW'!G36","v":"DSK 2.1"},{"$f":"'Outcome FW'!I36","v":"How often in the last [THREE MONTHS] have you gone online for the following purposes?\n\n- For information or advice on a financial product you needed or wanted\n- To find out whether a financial product was suitable for you\n- To compare financial products to find the best deal for you\n\nCHOOSE ONE FOR EACH\n1. Every day\n2. Every week\n3. Every few weeks\n4. Never \n5. Don’t know"},{"$f":"'Outcome FW'!L36","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(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E34))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E34))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D34))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E34))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F34))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G34))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H34))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I34))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J34))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A37","v":"Connection"},{"$f":"'Outcome FW'!B37","v":"N"},{"$f":"'Outcome FW'!C37","v":34},{"$f":"'Outcome FW'!D37","v":"Exposure and access to appropriate financial advice and guidance"},{"$f":"'Outcome FW'!E37","v":"Access to financial advice, guidance and tools which meet their needs in a form and language they can understand, and channel they can use effectively"},{"$f":"'Outcome FW'!F37","v":"Ease of access to advice services, either in person or by telephone "},{"$f":"'Outcome FW'!G37","v":"ELSA SC5 and SEG C6"},{"$f":"'Outcome FW'!I37","v":"How easy or difficult is it for you to do each of the following things?\nCHOOSE ONE ONLY FOR EACH\n-Get to a Citizens Advice Bureau or other advice agency using your normal forms of transport\n-Get to a Jobcentre Plus or local benefit office using your normal forms of transport\n-Use a telephone in private to discuss financial matters\n-Receive confidential financial information by post\n\n1.Very easy\n2.Quite easy\n3.Quite difficult\n4.Very difficult\n5.Unable to go\n6.Do not wish to go"},{"$f":"'Outcome FW'!L37","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(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E35))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E35))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D35))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E35))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F35))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G35))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H35))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I35))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J35))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A38","v":"Connection"},{"$f":"'Outcome FW'!B38","v":"N"},{"$f":"'Outcome FW'!C38","v":35},{"$f":"'Outcome FW'!D38","v":"Exposure and access to financial products "},{"$f":"'Outcome FW'!E38","v":"Access to appropriate financial products which meet their needs via appropriate channels"},{"$f":"'Outcome FW'!F38","v":"Ease of access to banking services, either in person or my mail"},{"$f":"'Outcome FW'!G38","v":"ELSA SC5 and SEG C6"},{"$f":"'Outcome FW'!I38","v":"How easy or difficult is it for you to do each of the folllowing things?\nCHOOSE ONE ONLY FOR EACH\n- Get to a Post Office using your normal forms of transport\n- Get to a Cash point using your normal forms of transport\n- Get to a Bank, building society or credit union using your normal forms of transport\n- Receive confidential financial documents by post, such as a payment card or chequebook\n\n1.Very easy\n2.Quite easy\n3.Quite difficult\n4.Very difficult\n5.Unable to go\n6.Do not wish to go"},{"$f":"'Outcome FW'!L38","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(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E36))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E36))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D36))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E36))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F36))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G36))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H36))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I36))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J36))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A39","v":"Connection"},{"$f":"'Outcome FW'!B39","v":"N"},{"$f":"'Outcome FW'!C39","v":36},{"$f":"'Outcome FW'!D39","v":"Exposure and access to financial products "},{"$f":"'Outcome FW'!E39","v":"Access to appropriate financial products which meet their needs via appropriate channels"},{"$f":"'Outcome FW'!F39","v":"Types of banking products held"},{"$f":"'Outcome FW'!G39","v":"FRS Showcard N1"},{"$f":"'Outcome FW'!I39","v":"Which of the following types of everyday accounts do you have, if any, either in your own name or jointly with someone else? These might be held with a bank, building society or other provider such as a credit union or post office. \nCHOOSE ALL THAT APPLY\n1. Current account (usually offered with an overdraft facility, even if you don't want one)\n2. Basic Bank Account (normally without an overdraft facility)\n3. Post Office Card Account (for receiving your pension, benefits or tax credits) \n4. A saving deposit account (e.g. an instant access or notice account, including cash ISA)\n5. None of these"},{"$f":"'Outcome FW'!L39","v":0},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E37))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E37))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D37))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E37))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F37))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G37))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H37))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I37))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J37))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A40","v":"Connection"},{"$f":"'Outcome FW'!B40","v":"N"},{"$f":"'Outcome FW'!C40","v":37},{"$f":"'Outcome FW'!D40","v":"Exposure and access to appropriate financial advice and guidance"},{"$f":"'Outcome FW'!E40","v":"Digital access to financial advice, guidance and tools "},{"$f":"'Outcome FW'!F40","v":"Use of the internet to access information about money and finances "},{"$f":"'Outcome FW'!G40","v":"NEW"},{"$f":"'Outcome FW'!I40","v":"In which of the following ways, if any, can or do you use the internet when you need to access information about money or your finances?\nCHOOSE ALL THAT APPLY\n1. At home, using a computer or laptop\n2. At home, using a mobile phone, tablet or internet-enabled TV\n3. At work, college or at a friend or relative's home\n4. In a library, community centre or other public setting\n5. Somewhere else\n6. Do not use the internet"},{"$f":"'Outcome FW'!L40","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(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E38))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E38))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D38))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E38))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F38))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G38))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H38))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I38))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J38))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A41","v":"Connection"},{"$f":"'Outcome FW'!B41","v":"Y"},{"$f":"'Outcome FW'!C41","v":38},{"$f":"'Outcome FW'!D41","v":"Exposure and access to appropriate financial advice and guidance"},{"$f":"'Outcome FW'!E41","v":"Digital access to financial products and services "},{"$f":"'Outcome FW'!F41","v":"Willingness to use the internet to carry out day to day banking"},{"$f":"'Outcome FW'!#REF!","v":{"$error":"#REF!"}},{"$f":"'Outcome FW'!I41","v":"To what extent do you agree or disagree with the following statement:\n\nI would be happy to use the Internet to carry out day to day banking transactions"},{"$f":"'Outcome FW'!L41","v":0},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E39))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E39))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D39))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E39))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F39))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G39))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H39))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I39))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J39))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A42","v":"Mindset"},{"$f":"'Outcome FW'!B42","v":"Y"},{"$f":"'Outcome FW'!C42","v":39},{"$f":"'Outcome FW'!D42","v":"Attitudes to  credit use"},{"$f":"'Outcome FW'!E42","v":" "},{"$f":"'Outcome FW'!F42","v":"Preference for saving up rather than borrowing money"},{"$f":"'Outcome FW'!G42","v":"Fincap (O2F)"},{"$f":"'Outcome FW'!I42","v":"I am now going to read you some things that other people have said about managing money. Please tell me how strongly you agree or disagree with them.\n - I hate to borrow – I would much rather save up in advance"},{"$f":"'Outcome FW'!L42","v":0},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E40))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E40))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D40))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E40))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F40))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G40))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H40))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I40))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J40))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A43","v":"Mindset"},{"$f":"'Outcome FW'!B43","v":"N"},{"$f":"'Outcome FW'!C43","v":40},{"$f":"'Outcome FW'!D43","v":"Belief that money advice and guidance can help them"},{"$f":"'Outcome FW'!E43","v":" "},{"$f":"'Outcome FW'!F43","v":"Likelihood of seeking money advice and guidance"},{"$f":"'Outcome FW'!G43","v":"NEW"},{"$f":"'Outcome FW'!I43","v":"How likely are you to take advice about dealing with money issues from a free advice organisation to deal with money worries? This could include Citizen's Advice Bureau, Money Advice Service or StepChange.\n\nCHOOSE ONE ONLY\n\n1. Very likely\n2. Fairly likely\n3. Fairly unlikely\n4. Very unlikely\n5. Don’t know\n"},{"$f":"'Outcome FW'!L43","v":0},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E41))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E41))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D41))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E41))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F41))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G41))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H41))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I41))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J41))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A44","v":"Mindset"},{"$f":"'Outcome FW'!B44","v":"N"},{"$f":"'Outcome FW'!C44","v":41},{"$f":"'Outcome FW'!D44","v":"Belief that money advice and guidance can help them"},{"$f":"'Outcome FW'!E44","v":" "},{"$f":"'Outcome FW'!F44","v":"Attitude towards money advice and guidance "},{"$f":"'Outcome FW'!G44","v":"NEW"},{"$f":"'Outcome FW'!I44","v":"How much do you agree or disagree with each of the following statements? When we say advice and guidance, we mean from organisations like Citizen's Advice Bureau, Money Advice Service or StepChange and also from accountants and independent financial advisers\n\n• Asking for financial advice and guidance seems too scary \n• I’d feel embarrassed to take financial advice and guidance\n• I’d make better financial decisions with financial advice and guidance\n• I can sort out my own money issues, without financial advice and guidance\n• When it comes to things like bank accounts, credit cards or insurance, there’s not enough information out there I can trust\n"},{"$f":"'Outcome FW'!L44","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(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E42))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E42))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D42))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E42))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F42))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G42))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H42))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I42))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J42))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A45","v":"Mindset"},{"$f":"'Outcome FW'!B45","v":"N"},{"$f":"'Outcome FW'!C45","v":42},{"$f":"'Outcome FW'!D45","v":"Confidence communicating with financial professionals "},{"$f":"'Outcome FW'!E45","v":" "},{"$f":"'Outcome FW'!F45","v":"Confidence talking to professionals about money"},{"$f":"'Outcome FW'!G45","v":"NEW"},{"$f":"'Outcome FW'!I45","v":"How confident would you feel talking to people who can give you advice about money\n\n1.Very confident \n2. Fairly confident \n3. Not very confident \n4. Not at all confident\n5. Don't know\n"},{"$f":"'Outcome FW'!L45","v":0},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E43))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E43))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D43))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E43))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F43))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G43))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H43))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I43))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J43))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A46","v":"Mindset"},{"$f":"'Outcome FW'!B46","v":"Y"},{"$f":"'Outcome FW'!C46","v":43},{"$f":"'Outcome FW'!D46","v":"Saving mindset "},{"$f":"'Outcome FW'!E46","v":"Understand the value of saving for an unexpected event "},{"$f":"'Outcome FW'!F46","v":"Perceived importance of saving for a rainy day"},{"$f":"'Outcome FW'!G46","v":"Fincap (O3A)"},{"$f":"'Outcome FW'!I46","v":"Thinking overall about your finances, how important do you think it is to save for a rainy day \n\n1. Very important\n2. Fairly important\n3. Neither important nor unimportant\n4. Fairly unimportant\n5. Very unimportant\n6. Don’t know"},{"$f":"'Outcome FW'!L46","v":0},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E44))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E44))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D44))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E44))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F44))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G44))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H44))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I44))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J44))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A47","v":"Mindset"},{"$f":"'Outcome FW'!B47","v":"Y"},{"$f":"'Outcome FW'!C47","v":44},{"$f":"'Outcome FW'!D47","v":"Saving mindset "},{"$f":"'Outcome FW'!E47","v":"Recognise the importance of future financial needs in retirement"},{"$f":"'Outcome FW'!F47","v":"Perceived importance of putting money aside for retirement"},{"$f":"'Outcome FW'!G47","v":"Fincap (O3B) "},{"$f":"'Outcome FW'!I47","v":"How important do you think it is to put money aside for your retirement\n\n1. Very important\n2. Fairly important\n3. Neither important nor unimportant\n4. Fairly unimportant\n5. Very unimportant\n6. Don’t know"},{"$f":"'Outcome FW'!L47","v":0},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E45))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E45))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D45))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E45))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F45))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G45))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H45))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I45))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J45))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A48","v":"Mindset"},{"$f":"'Outcome FW'!B48","v":"Y"},{"$f":"'Outcome FW'!C48","v":45},{"$f":"'Outcome FW'!D48","v":"Saving mindset "},{"$f":"'Outcome FW'!E48","v":"Motivated to keep track of finances "},{"$f":"'Outcome FW'!F48","v":"Perceived importance of keeping track of income and expenditure "},{"$f":"'Outcome FW'!G48","v":"Fincap (O3C)"},{"$f":"'Outcome FW'!I48","v":"How important do you think it is to keep track of your household’s income and expenditure \n\n1. Very important\n2. Fairly important\n3. Neither important nor unimportant\n4. Fairly unimportant\n5. Very unimportant\n6. Don’t know\n"},{"$f":"'Outcome FW'!L48","v":0},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E46))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E46))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D46))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E46))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F46))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G46))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H46))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I46))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J46))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A49","v":"Mindset"},{"$f":"'Outcome FW'!B49","v":"Y"},{"$f":"'Outcome FW'!C49","v":46},{"$f":"'Outcome FW'!D49","v":"Saving mindset "},{"$f":"'Outcome FW'!E49","v":"Understand the value of making their money go further by shopping around"},{"$f":"'Outcome FW'!F49","v":"Perceived importance of shopping around"},{"$f":"'Outcome FW'!G49","v":"Fincap (O3D) "},{"$f":"'Outcome FW'!I49","v":"How important do you think it is to shop around in order to make your money go further \n\n1. Very important\n2. Fairly important\n3. Neither important nor unimportant\n4. Fairly unimportant\n5. Very unimportant\n6. Don’t know"},{"$f":"'Outcome FW'!L49","v":0},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E47))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E47))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D47))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E47))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F47))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G47))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H47))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I47))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J47))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A50","v":"Mindset"},{"$f":"'Outcome FW'!B50","v":"N"},{"$f":"'Outcome FW'!C50","v":47},{"$f":"'Outcome FW'!D50","v":"Saving mindset "},{"$f":"'Outcome FW'!E50","v":"Understand the value of making their money go further by shopping around"},{"$f":"'Outcome FW'!F50","v":"Attitude to switching suppliers "},{"$f":"'Outcome FW'!G50","v":"NEW"},{"$f":"'Outcome FW'!I50","v":"How much do you agree or disagree with each of the following statements?:\n- I prefer to stick with one company over time rather than keep changing suppliers*\n- There's no point switching things like insurance, energy or bank accounts, it's not worth the hassle\n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know\n"},{"$f":"'Outcome FW'!L50","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(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E48))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E48))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D48))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E48))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F48))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G48))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H48))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I48))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J48))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A51","v":"Mindset"},{"$f":"'Outcome FW'!B51","v":"Y"},{"$f":"'Outcome FW'!C51","v":48},{"$f":"'Outcome FW'!D51","v":"Financial confidence"},{"$f":"'Outcome FW'!E51","v":"Confident managing money"},{"$f":"'Outcome FW'!F51","v":"Level of confidence in managing money"},{"$f":"'Outcome FW'!G51","v":"Fincap (B3"},{"$f":"'Outcome FW'!I51","v":"How confident do you feel about managing your money?  \n\nPlease answer on a scale of 0 to 10, where 0 is ‘not at all confident and 10 is ‘very confident\n 0…10 scale\nDon't know\n"},{"$f":"'Outcome FW'!L51","v":"Use a visual 0 to 10 scale with the statements indicated attached the extremes."},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E49))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E49))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D49))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E49))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F49))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G49))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H49))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I49))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J49))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A52","v":"Mindset"},{"$f":"'Outcome FW'!B52","v":"Y"},{"$f":"'Outcome FW'!C52","v":49},{"$f":"'Outcome FW'!D52","v":"Financial confidence"},{"$f":"'Outcome FW'!E52","v":"Confident choosing appropriate products/services"},{"$f":"'Outcome FW'!F52","v":"Level of confidence in choosing appropriate products/services"},{"$f":"'Outcome FW'!G52","v":"Fincap (B4)"},{"$f":"'Outcome FW'!I52","v":"How confident do you feel making decisions about financial products and services?  \n\nPlease answer on a scale of 0 to 10, where 0 is ‘not at all confident and 10 is ‘very confident\n 0…10 scale\nDon't know\n"},{"$f":"'Outcome FW'!L52","v":"Use a visual 0 to 10 scale with the statements indicated attached the extremes."},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E50))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E50))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D50))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E50))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F50))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G50))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H50))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I50))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J50))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A53","v":"Mindset"},{"$f":"'Outcome FW'!B53","v":"N"},{"$f":"'Outcome FW'!C53","v":50},{"$f":"'Outcome FW'!D53","v":"Financial confidence"},{"$f":"'Outcome FW'!E53","v":"Confident keeping track of income and expenditure"},{"$f":"'Outcome FW'!F53","v":"Perceived quality of approach to keeping track of income and expenditure"},{"$f":"'Outcome FW'!G53","v":"Fincap (I8)"},{"$f":"'Outcome FW'!I53","v":"Thinking overall about your (and your partner/spouse’s) approach to keeping track of income and expenditure, how well do you think this approach works?\n\nPlease answer on a scale of 0 to 10, where 0 means not at all well and 10 means very well\n\n0…10 scale\nDon't know"},{"$f":"'Outcome FW'!L53","v":"Use a visual 0 to 10 scale with the statements indicated attached the extremes."},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E51))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E51))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D51))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E51))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F51))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G51))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H51))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I51))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J51))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A54","v":"Mindset"},{"$f":"'Outcome FW'!B54","v":"N"},{"$f":"'Outcome FW'!C54","v":51},{"$f":"'Outcome FW'!D54","v":"Financial confidence"},{"$f":"'Outcome FW'!E54","v":"Confident exercising their own judgment in financial decisions and to question\nsuggestions and advice"},{"$f":"'Outcome FW'!F54","v":"Level of confidence dealing with companies and making purchases "},{"$f":"'Outcome FW'!G54","v":"SEG (B1)"},{"$f":"'Outcome FW'!I54","v":"How much do you agree or disagree with the following statement?  \n \n- When dealing with companies or making purchases, I would consider myself to be a confident and savvy customer\n \n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know\n"},{"$f":"'Outcome FW'!L54","v":0},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E52))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E52))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D52))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E52))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F52))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G52))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H52))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I52))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J52))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A55","v":"Mindset"},{"$f":"'Outcome FW'!B55","v":"N"},{"$f":"'Outcome FW'!C55","v":52},{"$f":"'Outcome FW'!D55","v":"Financial confidence"},{"$f":"'Outcome FW'!E55","v":"Confident exercising their own judgment in financial decisions and to question\nsuggestions and advice"},{"$f":"'Outcome FW'!F55","v":"Level of confidence making decisions about pensions"},{"$f":"'Outcome FW'!G55","v":"AtP (QA19,21,31)"},{"$f":"'Outcome FW'!I55","v":"How much do you agree or disagree with each of the following statements?  \n \n - I know enough about pensions to decide with confidence  how to save for my retirement \n - Sometimes pensions seem so complicated that I cannot really understand the best thing to do \n - Dealing with pensions scares me \n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know"},{"$f":"'Outcome FW'!L55","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(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E53))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E53))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D53))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E53))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F53))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G53))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H53))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I53))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J53))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A56","v":"Mindset"},{"$f":"'Outcome FW'!B56","v":"N"},{"$f":"'Outcome FW'!C56","v":53},{"$f":"'Outcome FW'!D56","v":"Financial confidence"},{"$f":"'Outcome FW'!E56","v":"Confident communicating about their situation and needs with financial\nservices professionals."},{"$f":"'Outcome FW'!F56","v":"Level of confidence talking to advice providers "},{"$f":"'Outcome FW'!G56","v":"NEW"},{"$f":"'Outcome FW'!I56","v":"How confident would you feel talking to people who can give you advice about money\n\n1.Very confident \n2. Fairly confident \n3. Not very confident \n4. Not at all confident\n5. Don't know\n"},{"$f":"'Outcome FW'!L56","v":0},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E54))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E54))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D54))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E54))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F54))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G54))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H54))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I54))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J54))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A57","v":"Mindset"},{"$f":"'Outcome FW'!B57","v":"N"},{"$f":"'Outcome FW'!C57","v":54},{"$f":"'Outcome FW'!D57","v":"Financial confidence"},{"$f":"'Outcome FW'!E57","v":" "},{"$f":"'Outcome FW'!F57","v":"Extent of feeling in control of financial situation\n"},{"$f":"'Outcome FW'!G57","v":"NEW"},{"$f":"'Outcome FW'!I57","v":"How much do you agree or disagree with each of the following statements?  \n \n - I feel in control of my finances\n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know\n \n"},{"$f":"'Outcome FW'!L57","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(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E55))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E55))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D55))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E55))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F55))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G55))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H55))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I55))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J55))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A58","v":"Mindset"},{"$f":"'Outcome FW'!B58","v":"Y"},{"$f":"'Outcome FW'!C58","v":55},{"$f":"'Outcome FW'!D58","v":"Self-controlled spending "},{"$f":"'Outcome FW'!E58","v":" "},{"$f":"'Outcome FW'!F58","v":"Frequency of buying on impulse"},{"$f":"'Outcome FW'!G58","v":"Fincap (Q4a)"},{"$f":"'Outcome FW'!I58","v":"O4 To what extent would you say the following statements apply to you personally?\n\nA) I often buy things on impulse\n\n0 does not sound like me\n...\n10 sounds a lot like me\nDon't know\nNot applicable"},{"$f":"'Outcome FW'!L58","v":0},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E56))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E56))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D56))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E56))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F56))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G56))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H56))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I56))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J56))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A59","v":"Mindset"},{"$f":"'Outcome FW'!B59","v":"Y"},{"$f":"'Outcome FW'!C59","v":56},{"$f":"'Outcome FW'!D59","v":"Self-controlled spending "},{"$f":"'Outcome FW'!E59","v":" "},{"$f":"'Outcome FW'!F59","v":"Ability to resist pressures to spend"},{"$f":"'Outcome FW'!G59","v":"Fincap (Q4c)"},{"$f":"'Outcome FW'!I59","v":"O4 To what extent would you say the following statements apply to you personally?\n\nB) I feel under pressure to spend like my friends even when I can’t afford it.0 (does not sound like me at all) to 10 (sounds a lot like me)  \n\n\n0 does not sound like me\n...\n10 sounds a lot like me\nDon't know\nNot applicable"},{"$f":"'Outcome FW'!L59","v":0},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E57))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E57))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D57))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E57))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F57))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G57))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H57))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I57))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J57))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A60","v":"Mindset"},{"$f":"'Outcome FW'!B60","v":"Y"},{"$f":"'Outcome FW'!C60","v":57},{"$f":"'Outcome FW'!D60","v":"Financial engagement"},{"$f":"'Outcome FW'!E60","v":" "},{"$f":"'Outcome FW'!F60","v":"Extent of engagement with finances "},{"$f":"'Outcome FW'!G60","v":"Fincap (O2D)"},{"$f":"'Outcome FW'!I60","v":"To what extent do you agree or disagree with the\nstatement \n\n\"I prefer to live for today and let tomorrow take care of itself\" \n \"Nothing I do will make much difference to my financial situation\"\n\"I am too busy to sort out my finances at the moment\"\n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know\n"},{"$f":"'Outcome FW'!L60","v":0},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E58))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E58))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D58))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E58))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F58))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G58))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H58))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I58))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J58))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A61","v":"Mindset"},{"$f":"'Outcome FW'!B61","v":"Y"},{"$f":"'Outcome FW'!C61","v":58},{"$f":"'Outcome FW'!D61","v":"Adaptable to changing financial circumstances "},{"$f":"'Outcome FW'!E61","v":" "},{"$f":"'Outcome FW'!F61","v":"Willingness to adjust non-essential spending"},{"$f":"'Outcome FW'!G61","v":"Fincap (O4B) "},{"$f":"'Outcome FW'!I61","v":" I am prepared to adjust the amount of money I spend on non-essentials if my life changes: 0 (does not sound like me at all) to 10 (sounds a lot like me)\n\n0…10 scale\nDon't know"},{"$f":"'Outcome FW'!L61","v":0},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E59))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E59))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D59))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E59))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F59))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G59))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H59))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I59))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J59))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A62","v":"Mindset"},{"$f":"'Outcome FW'!B62","v":"N"},{"$f":"'Outcome FW'!C62","v":59},{"$f":"'Outcome FW'!D62","v":"Willing to talk openly and honestly about money with friends and family"},{"$f":"'Outcome FW'!E62","v":" "},{"$f":"'Outcome FW'!F62","v":"Willingness to talk about money with friends and family\n"},{"$f":"'Outcome FW'!G62","v":"IDL/SEG Q3"},{"$f":"'Outcome FW'!I62","v":"How much do you agree or disagree with each of the following statements?  \n\n - I would be too embarrassed to discuss my financial situation\n \n- I would talk to family and friends before making an important financial decision\n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know\n"},{"$f":"'Outcome FW'!L62","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(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E60))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E60))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D60))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E60))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F60))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G60))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H60))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I60))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J60))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A63","v":"Mindset"},{"$f":"'Outcome FW'!B63","v":"N"},{"$f":"'Outcome FW'!C63","v":60},{"$f":"'Outcome FW'!D63","v":"Attitudes to the future "},{"$f":"'Outcome FW'!E63","v":"Recognise the importance of balancing their future financial needs with their current financial needs "},{"$f":"'Outcome FW'!F63","v":"Preference for saving for the future rather than spending now"},{"$f":"'Outcome FW'!G63","v":"OECD (f10)/SEG (c44)/ SEG (d35)/BASE (qpla4)"},{"$f":"'Outcome FW'!I63","v":"How much do you agree or disagree with each of the following statements?  \n\n - I find it more satisfying to spend money than to save it for the long term \n - If I had to choose, I would rather have a good standard of living today than save for the future.\n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know\n"},{"$f":"'Outcome FW'!L63","v":"If administering on paper/web can set this up as a grid with Agree/Disagree scale along the top"},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E61))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E61))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D61))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E61))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F61))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G61))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H61))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I61))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J61))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A64","v":"Mindset"},{"$f":"'Outcome FW'!B64","v":"N"},{"$f":"'Outcome FW'!C64","v":61},{"$f":"'Outcome FW'!D64","v":"Attitudes to the future "},{"$f":"'Outcome FW'!E64","v":"Anticipate and plan for future financial needs including less positive scenarios "},{"$f":"'Outcome FW'!F64","v":"Extent of plans for funding future care needs "},{"$f":"'Outcome FW'!G64","v":"NI Life & Times survey 2010 (careplan/Q15)"},{"$f":"'Outcome FW'!I64","v":"Have you thought about or made any plans for how you might fund the care and support you may need as you get older? This might include in-home support or a care home.\nCODES 3,4,5,6 CAN BE MULTICODE\n1. I haven't really thought about it\n2. I've thought about it but haven’t done anything specific\n3. I’m saving money which could pay for this (e.g. savings, pension or investments)\n4. I’ve taken out insurance cover to pay for this (e.g. long-term care plan)\n5. I could sell property to pay for this\n6. I hope my family would help fund this\n7. Other (please specify)\n8. Don't know"},{"$f":"'Outcome FW'!L64","v":0},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E62))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E62))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D62))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E62))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F62))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G62))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H62))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I62))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J62))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A65","v":"Mindset"},{"$f":"'Outcome FW'!B65","v":"N"},{"$f":"'Outcome FW'!C65","v":62},{"$f":"'Outcome FW'!D65","v":"Attitudes to the future "},{"$f":"'Outcome FW'!E65","v":"Anticipate and plan for future financial needs including less positive scenarios "},{"$f":"'Outcome FW'!F65","v":"Extent of plans for coping with income loss due to changes in tax or benefits"},{"$f":"'Outcome FW'!G65","v":"NI Life & Times survey 2010 (careplan/Q15)"},{"$f":"'Outcome FW'!I65","v":"Have you thought about or made any plans for how you might cope financially with an unexpected fall in your or your household’s income because of changes in tax or benefits?\nCODES 3,4,5,6 CAN BE MULTICODE\n1. I haven't really thought about it\n2. I've thought about it but haven’t done anything specific\n3. I’m saving money which could pay for this (e.g. savings, pension or investments)\n4. I could sell property to pay for this\n5. I hope family would help fund this\n6. Other (please specify)\n7. Don't know\n\n"},{"$f":"'Outcome FW'!L65","v":0},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E63))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E63))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D63))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E63))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F63))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G63))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H63))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I63))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J63))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A66","v":"Mindset"},{"$f":"'Outcome FW'!B66","v":"N"},{"$f":"'Outcome FW'!C66","v":63},{"$f":"'Outcome FW'!D66","v":"Attitudes to the future "},{"$f":"'Outcome FW'!E66","v":"Anticipate and plan for future financial needs including less positive scenarios "},{"$f":"'Outcome FW'!F66","v":"Extent of plans for coping with income loss due to redundancy or ill health"},{"$f":"'Outcome FW'!G66","v":"NI Life & Times survey 2010 (careplan/Q15)"},{"$f":"'Outcome FW'!I66","v":"Have you thought about or made any plans for how you might cope financially with an unexpected fall in your or your household’s income because of redundancy or ill-health?\nCODES 3,4,5,6,7 CAN BE MULTICODE\n1. I haven't really thought about it\n2. I've thought about it but haven’t done anything specific\n3. I’m saving money which could pay for this (e.g. savings, pension or investments)\n4. I’ve taken out insurance to pay for this \n5. I could sell property to pay for this\n6. I hope family would help fund this\n7. Other (please specify)\n8. Don't know\n"},{"$f":"'Outcome FW'!L66","v":0},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E64))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E64))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D64))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E64))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F64))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G64))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H64))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I64))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J64))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A67","v":"Mindset"},{"$f":"'Outcome FW'!B67","v":"N"},{"$f":"'Outcome FW'!C67","v":64},{"$f":"'Outcome FW'!D67","v":"Attitudes to the future "},{"$f":"'Outcome FW'!E67","v":"Anticipate and plan for future financial needs including less positive scenarios "},{"$f":"'Outcome FW'!F67","v":"Extent of plans for coping with a rise in mortgage repayments"},{"$f":"'Outcome FW'!G67","v":"NI Life & Times survey 2010 (careplan/Q15)"},{"$f":"'Outcome FW'!I67","v":"ONLY IF HAVE A MORTGAGE: 35. Have you thought about or made any plans for how you might cope financially if interest rates rise and your or your household’s mortgage repayments increase?\nCODES 3,4,5,6,7 CAN BE MULTICODE\n1. I haven't really thought about it\n2. I've thought about it but haven’t done anything specific\n3. I’m saving money which could pay for this (e.g. savings, pension or investments)\n4. I would switch to a new mortgage deal\n5. I could sell property to pay for this\n6. I hope family would help fund this\n7. Other (please specify)\n8. This won’t affect me – I’m on a fixed rate mortgage\n9. Don't know\n"},{"$f":"'Outcome FW'!L67","v":"For those with a mortgage only"},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E65))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E65))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D65))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E65))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F65))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G65))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H65))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I65))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J65))),\"\")","v":""}]
[false,{"$f":"IF(A68=TRUE,\"In\",\"Out\")","v":"Out"},{"$f":"'Outcome FW'!A68","v":"Ability"},{"$f":"'Outcome FW'!B68","v":"Y"},{"$f":"'Outcome FW'!C68","v":65},{"$f":"'Outcome FW'!D68","v":"Financial numeracy"},{"$f":"'Outcome FW'!E68","v":"Understand financial concepts and are able to answer basic questions around\ninterest rates"},{"$f":"'Outcome FW'!F68","v":"Ability to calculate interest earned from savings\n"},{"$f":"'Outcome FW'!G68","v":"Fincap (N3)"},{"$f":"'Outcome FW'!I68","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?\n"},{"$f":"'Outcome FW'!L68","v":"Correct answer is £102\n\nFor easier analysis, you may want to consider providing answer codes e.g. \n\n1: A. £120\n2: B. £140\n3: C. £104\n4: D. £102\n\nHowever, this may make it easier for participants to answer and therefore provide an innaccurate picture of their ability. "},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E66))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E66))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D66))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E66))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F66))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G66))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H66))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I66))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J66))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A69","v":"Ability"},{"$f":"'Outcome FW'!B69","v":"N"},{"$f":"'Outcome FW'!C69","v":66},{"$f":"'Outcome FW'!D69","v":"Financial numeracy"},{"$f":"'Outcome FW'!E69","v":"Understand financial concepts and are able to answer basic questions around\ninterest rates"},{"$f":"'Outcome FW'!F69","v":"Ability to calculate interest owed on a loan"},{"$f":"'Outcome FW'!G69","v":"PDL (Q97a)"},{"$f":"'Outcome FW'!I69","v":"QUIZ You have taken out a loan for £500, and the interest rate you are charged is 10 percent per month. There are no other fees. At this interest rate, how much money would you owe in total after one month?\n\nA £505\nB £550\nC £510\nD £600\n"},{"$f":"'Outcome FW'!L69","v":"Correct answer B."},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E67))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E67))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D67))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E67))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F67))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G67))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H67))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I67))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J67))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A70","v":"Ability"},{"$f":"'Outcome FW'!B70","v":"Y"},{"$f":"'Outcome FW'!C70","v":67},{"$f":"'Outcome FW'!D70","v":"Financial numeracy"},{"$f":"'Outcome FW'!E70","v":"Understand financial concepts and are able to answer basic questions around\ninflation"},{"$f":"'Outcome FW'!F70","v":"Understanding of the impact of inflation on buying power"},{"$f":"'Outcome FW'!G70","v":"Fincap (N2)"},{"$f":"'Outcome FW'!I70","v":"QUIZ If the inflation rate is 5% and the interest rate you get on your savings is 3%, will your savings have more, less or the same amount of buying power in a year’s time?\n1. More\n2. The same\n3. Less\n4. Don’t know"},{"$f":"'Outcome FW'!L70","v":"Correct answer \"Less\"."},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E68))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E68))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D68))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E68))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F68))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G68))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H68))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I68))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J68))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A71","v":"Ability"},{"$f":"'Outcome FW'!B71","v":"N"},{"$f":"'Outcome FW'!C71","v":68},{"$f":"'Outcome FW'!D71","v":"Understand financial concepts and products  "},{"$f":"'Outcome FW'!E71","v":"Understand different loan types and interest on borrowing"},{"$f":"'Outcome FW'!F71","v":"Understanding of loan types and calculating interest"},{"$f":"'Outcome FW'!G71","v":"NEW"},{"$f":"'Outcome FW'!I71","v":"STEM Which of these statements best describes how knowledgeable you feel about: \n\n- comparing different loans and credit cards\n- credit unions \n- calculating the total cost of a loan or credit such as Brighthouse or a car on hire purchase (including interest and charges)  \n\n1. I have an excellent knowledge\n2. I have a good knowledge\n3. I have a basic knowledge\n4. I know nothing about this\n5. Not applicable"},{"$f":"'Outcome FW'!L71","v":"Several Ability indicators in this framework use this question structure. If you select more than one of these indicators, be sure to present these as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, responses along the top"},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E69))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E69))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D69))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E69))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F69))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G69))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H69))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I69))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J69))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A72","v":"Ability"},{"$f":"'Outcome FW'!B72","v":"N"},{"$f":"'Outcome FW'!C72","v":69},{"$f":"'Outcome FW'!D72","v":"Understand financial concepts and products  "},{"$f":"'Outcome FW'!E72","v":"Understand different loan types and interest on borrowing"},{"$f":"'Outcome FW'!F72","v":"Understanding of APR"},{"$f":"'Outcome FW'!G72","v":"NEW"},{"$f":"'Outcome FW'!I72","v":"QUIZ I would like to know whether you think the following statements are true or false.....\n\n - For a six month loan, it will cost you more to borrow money on a loan with a low APR than a loan with a high APR\n\nTrue\nFalse\nDon't know"},{"$f":"'Outcome FW'!L72","v":0},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E70))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E70))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D70))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E70))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F70))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G70))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H70))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I70))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J70))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A73","v":"Ability"},{"$f":"'Outcome FW'!B73","v":"N"},{"$f":"'Outcome FW'!C73","v":70},{"$f":"'Outcome FW'!D73","v":"Understand financial concepts and products "},{"$f":"'Outcome FW'!E73","v":"Understand investments "},{"$f":"'Outcome FW'!F73","v":"Understanding of investments \n\n"},{"$f":"'Outcome FW'!G73","v":"OECD (QK7)"},{"$f":"'Outcome FW'!I73","v":"QUIZ I would like to know whether you think the following statements are true or false.....\n\n - An investment with a high return is likely to be low risk\n - It is usually possible to reduce the risk of investing in the stock market by buying a wide range of stocks and shares. \n\nTrue\nFalse\nDon't know"},{"$f":"'Outcome FW'!L73","v":"Correct answers: False, True, "},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E71))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E71))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D71))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E71))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F71))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G71))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H71))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I71))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J71))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A74","v":"Ability"},{"$f":"'Outcome FW'!B74","v":"N"},{"$f":"'Outcome FW'!C74","v":71},{"$f":"'Outcome FW'!D74","v":"Understanding financial concepts, products and situations"},{"$f":"'Outcome FW'!E74","v":"Understand bank accounts "},{"$f":"'Outcome FW'!F74","v":"Knowledge of bank accounts and ability to check bank balance"},{"$f":"'Outcome FW'!G74","v":"NEW"},{"$f":"'Outcome FW'!I74","v":"STEM: Which of these statements best describes how knowledgeable you feel about: \n\n- bank accounts\n- checking the balance on your bank account\n\n1. I have an excellent knowledge\n2. I have a good knowledge\n3. I have a basic knowledge\n4. I know nothing about this\n5. Not applicable"},{"$f":"'Outcome FW'!L74","v":"Several Ability indicators in this framework use this question structure. If you select more than one of these indicators, be sure to present these as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, responses along the top"},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E72))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E72))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D72))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E72))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F72))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G72))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H72))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I72))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J72))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A75","v":"Ability"},{"$f":"'Outcome FW'!B75","v":"N"},{"$f":"'Outcome FW'!C75","v":72},{"$f":"'Outcome FW'!D75","v":"Understanding financial concepts, products and situations"},{"$f":"'Outcome FW'!E75","v":"Understand different insurance products and can assess which options are right for them"},{"$f":"'Outcome FW'!F75","v":"Understanding of insurance and ability to compare insurance products\n"},{"$f":"'Outcome FW'!G75","v":"NEW"},{"$f":"'Outcome FW'!I75","v":"STEM: Which of these statements best describes how knowledgeable you feel about: \n\n- insurance\n- comparing different types of insurance\n\n1. I have an excellent knowledge\n2. I have a good knowledge\n3. I have a basic knowledge\n4. I know nothing about this\n5. Not applicable"},{"$f":"'Outcome FW'!L75","v":"Several Ability indicators in this framework use this question structure. If you select more than one of these indicators, be sure to present these as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, responses along the top"},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E73))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E73))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D73))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E73))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F73))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G73))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H73))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I73))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J73))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A76","v":"Ability"},{"$f":"'Outcome FW'!B76","v":"N "},{"$f":"'Outcome FW'!C76","v":73},{"$f":"'Outcome FW'!D76","v":"Understanding financial concepts, products and situations"},{"$f":"'Outcome FW'!E76","v":"Understand different types of savings vehicles, and can assess which options are right for them"},{"$f":"'Outcome FW'!F76","v":"Understanding of savings accounts and ability to compare savings products"},{"$f":"'Outcome FW'!G76","v":"NEW"},{"$f":"'Outcome FW'!I76","v":"STEM: Which of these statements best describes how knowledgeable you feel about: \n- savings accounts \n- credit unions \n- comparing savings products  \n1. I have an excellent knowledge\n2. I have a good knowledge\n3. I have a basic knowledge\n4. I know nothing about this\n5. Not applicable"},{"$f":"'Outcome FW'!L76","v":"Several Ability indicators in this framework use this question structure. If you select more than one of these indicators, be sure to present these as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, responses along the top"},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E74))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E74))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D74))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E74))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F74))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G74))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H74))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I74))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J74))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A77","v":"Ability"},{"$f":"'Outcome FW'!B77","v":"N"},{"$f":"'Outcome FW'!C77","v":74},{"$f":"'Outcome FW'!D77","v":"Understanding financial concepts, products and options relevant to their issue, life stage or event"},{"$f":"'Outcome FW'!E77","v":"Understand concepts, products and options relavent to their pension"},{"$f":"'Outcome FW'!F77","v":"Knowledge of pensions, ability to check and make decisions about pensions\n\n"},{"$f":"'Outcome FW'!G77","v":"NEW"},{"$f":"'Outcome FW'!I77","v":"STEM: Which of these statements best describes how knowledgeable you feel about: \n- pensions\n- checking how much pension income you will get when you retire\n- making decisions about a pension to give you an income you require in retirement \n1. I have an excellent knowledge\n2. I have a good knowledge\n3. I have a basic knowledge\n4. I know nothing about this\n5. Not applicable"},{"$f":"'Outcome FW'!L77","v":"Several Ability indicators in this framework use this question structure. If you select more than one of these indicators, be sure to present these as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, responses along the top"},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E75))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E75))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D75))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E75))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F75))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G75))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H75))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I75))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J75))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A78","v":"Ability"},{"$f":"'Outcome FW'!B78","v":"N "},{"$f":"'Outcome FW'!C78","v":75},{"$f":"'Outcome FW'!D78","v":"Understanding financial concepts, products and options relevant to their issue, life stage or event"},{"$f":"'Outcome FW'!E78","v":"Understand concepts, products and options relevant to their mortgage"},{"$f":"'Outcome FW'!F78","v":"Understanding of mortgages and mortgage repayments "},{"$f":"'Outcome FW'!G78","v":"NEW"},{"$f":"'Outcome FW'!I78","v":"STEM: Which of these statements best describes how knowledgeable you feel about:  \n- mortgages\n- applying for a mortgage\n- calculating you monthly mortgage repayments if interest rates rise\n1. I have an excellent knowledge\n2. I have a good knowledge\n3. I have a basic knowledge\n4. I know nothing about this\n5. Not applicable"},{"$f":"'Outcome FW'!L78","v":"Several Ability questions in this framework use this structure. If you select more than ones of these, be sure to present these as one question with multiple statement. This can be set up as a grid if used in a web/self -completion setting with statements down the side, responses along the top.  "},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E76))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E76))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D76))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E76))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F76))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G76))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H76))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I76))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J76))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A79","v":"Ability"},{"$f":"'Outcome FW'!B79","v":"N"},{"$f":"'Outcome FW'!C79","v":76},{"$f":"'Outcome FW'!D79","v":"Understanding financial concepts, products and options relevant to their issue, life stage or event"},{"$f":"'Outcome FW'!E79","v":"Understand concepts, products and options relevant to problem debt"},{"$f":"'Outcome FW'!F79","v":"Knowledge of options and rights in relation to problem debt"},{"$f":"'Outcome FW'!G79","v":"DAE (Q25)"},{"$f":"'Outcome FW'!I79","v":"STEM: Which of these statements best describes how knowledgeable you feel about:  \n- the different options for sorting out debt problems\n- the fees charged for debt solutions such as bankruptcy, Debt Relief Orders and Debt Management Plans\n- the steps I should take if I’m unable to pay my debts \n- my rights when companies try to recover money I owe them\n- the steps companies can take to recover the money I owe them\n1. I have an excellent knowledge\n2. I have a good knowledge\n3. I have a basic knowledge\n4. I know nothing about this\n5. Not applicable\n\n\n"},{"$f":"'Outcome FW'!L79","v":"Several Ability indicators in this framework use this question structure. If you select more than one of these indicators, be sure to present these as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, responses along the top"},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E77))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E77))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D77))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E77))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F77))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G77))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H77))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I77))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J77))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A80","v":"Ability"},{"$f":"'Outcome FW'!B80","v":"N"},{"$f":"'Outcome FW'!C80","v":77},{"$f":"'Outcome FW'!D80","v":"Knowledge of where to go for advice, guidance and tools about their financial situation, in person, by phone and using digital resources"},{"$f":"'Outcome FW'!E80","v":" "},{"$f":"'Outcome FW'!F80","v":"Awareness of different advice providers "},{"$f":"'Outcome FW'!G80","v":"Fincap (F2)"},{"$f":"'Outcome FW'!I80","v":"Which, if any, of these providers of advice on your money you have ever heard of, even if you’re not very familiar with them?\n\nSELECT ALL THAT APPLY\n\n1. Money Advice Service\n2.Citizen’s Advice Bureau\n3.Money Sense\n4.Which?\n5.Money Saving Expert (Martin Lewis)\n6.Other price comparison sites (e.g. Moneysupermarket, Comparethemarket)\n7.Directgov (gov.co.uk)\n8. Consumer Credit Counselling Service (CCCS)/StepChange\n9. National Debtline\n[ADD OTHER RELEVANT ORGANISATIONS/SITES]\n11. None of these\n"},{"$f":"'Outcome FW'!L80","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(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E78))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E78))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D78))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E78))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F78))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G78))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H78))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I78))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J78))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A81","v":"Ability"},{"$f":"'Outcome FW'!B81","v":"N"},{"$f":"'Outcome FW'!C81","v":78},{"$f":"'Outcome FW'!D81","v":"Knowledge of where to go for advice, guidance and tools about their financial situation, in person, by phone and using digital resources"},{"$f":"'Outcome FW'!E81","v":" "},{"$f":"'Outcome FW'!F81","v":"Knowledge of how to access money advice"},{"$f":"'Outcome FW'!G81","v":"NEW"},{"$f":"'Outcome FW'!I81","v":"STEM: Which of these statements best describes how knowledgeable you feel about:  \n- where to get  advice if you need help with your finances\n\n1. I have an excellent knowledge\n2. I have a good knowledge\n3. I have a basic knowledge\n4. I know nothing about this\n5. Not applicable"},{"$f":"'Outcome FW'!L81","v":"Several Ability indicators in this framework use this question structure. If you select more than one of these indicators, be sure to present these as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, responses along the top"},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E79))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E79))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D79))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E79))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F79))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G79))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H79))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I79))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J79))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A82","v":"Ability"},{"$f":"'Outcome FW'!B82","v":"N "},{"$f":"'Outcome FW'!C82","v":79},{"$f":"'Outcome FW'!D82","v":"Understanding financial concepts, products and situations"},{"$f":"'Outcome FW'!E82","v":"Understand the main types of financial fraud and how to protect themselves from it"},{"$f":"'Outcome FW'!F82","v":"Knowledge about types of fraud and ability to protect from fraud "},{"$f":"'Outcome FW'!G82","v":"NEW"},{"$f":"'Outcome FW'!I82","v":"STEM: Which of these statements best describes how knowledgeable you feel about:  \n- different types of financial fraud/scams \n- protecting yourself from financial fraud / scams\n- protecting yourself from online financial fraud / scams\n\n1. I have an excellent knowledge\n2. I have a good knowledge\n3. I have a basic knowledge\n4. I know nothing about this\n5. Not applicable\n"},{"$f":"'Outcome FW'!L82","v":"Several Ability indicators in this framework use this question structure. If you select more than one of these indicators, be sure to present these as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, responses along the top"},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E80))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E80))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D80))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E80))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F80))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G80))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H80))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I80))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J80))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A83","v":"Ability"},{"$f":"'Outcome FW'!B83","v":"N "},{"$f":"'Outcome FW'!C83","v":80},{"$f":"'Outcome FW'!D83","v":"Understanding money management"},{"$f":"'Outcome FW'!E83","v":"Understand the principles of budgeting and can develop a budget suited to their needs"},{"$f":"'Outcome FW'!F83","v":"Ability to create a weekly or monthly budget "},{"$f":"'Outcome FW'!G83","v":"NEW"},{"$f":"'Outcome FW'!I83","v":"STEM: Which of these statements best describes how knowledgeable you feel about: \n- creating a weekly or monthly household budget\n\n1. I have an excellent knowledge\n2. I have a good knowledge\n3. I have a basic knowledge\n4. I know nothing about this\n5. Not applicable\n"},{"$f":"'Outcome FW'!L83","v":"Several Ability indicators in this framework use this question structure. If you select more than one of these indicators, be sure to present these as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, responses along the top"},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E81))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E81))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D81))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E81))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F81))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G81))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H81))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I81))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J81))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A84","v":"Ability"},{"$f":"'Outcome FW'!B84","v":"N"},{"$f":"'Outcome FW'!C84","v":81},{"$f":"'Outcome FW'!D84","v":"Understanding money management"},{"$f":"'Outcome FW'!E84","v":"Knowing how to make their money go further"},{"$f":"'Outcome FW'!F84","v":"Ability to use a price comparison site "},{"$f":"'Outcome FW'!G84","v":"NEW"},{"$f":"'Outcome FW'!I84","v":"STEM: Which of these statements best describes how knowledgeable you feel about: \n - using a price comparison website \n\n1. I have an excellent knowledge\n2. I have a good knowledge\n3. I have a basic knowledge\n4. I know nothing about this\n5. Not applicable\n\n"},{"$f":"'Outcome FW'!L84","v":"Several Ability indicators in this framework use this question structure. If you select more than one of these indicators, be sure to present these as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, responses along the top"},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E82))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E82))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D82))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E82))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F82))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G82))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H82))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I82))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J82))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A85","v":"Ability"},{"$f":"'Outcome FW'!B85","v":"N"},{"$f":"'Outcome FW'!C85","v":82},{"$f":"'Outcome FW'!D85","v":"Understanding money management"},{"$f":"'Outcome FW'!E85","v":"Knowing how to make their money go further"},{"$f":"'Outcome FW'!F85","v":"Ability to check benefits entitlements and tax payments"},{"$f":"'Outcome FW'!G85","v":"NEW"},{"$f":"'Outcome FW'!I85","v":"STEM: Which of these statements best describes how knowledgeable you feel about: \n- checking you’re getting all benefits you are entitled to\n- checking you’re paying the correct amount of tax\n\n1. I have an excellent knowledge\n2. I have a good knowledge\n3. I have a basic knowledge\n4. I know nothing about this\n5. Not applicable\n\n"},{"$f":"'Outcome FW'!L85","v":"Several Ability indicators in this framework use this question structure. If you select more than one of these indicators, be sure to present these as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, responses along the top"},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E83))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E83))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D83))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E83))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F83))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G83))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H83))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I83))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J83))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A86","v":"Ability"},{"$f":"'Outcome FW'!B86","v":"N"},{"$f":"'Outcome FW'!C86","v":83},{"$f":"'Outcome FW'!D86","v":"Basic skills: Literacy"},{"$f":"'Outcome FW'!E86","v":"People have the level of literacy needed to fill in forms and read information about financial products in English (or Welsh in Wales)"},{"$f":"'Outcome FW'!F86","v":"Level of literacy "},{"$f":"'Outcome FW'!G86","v":"SKILL (bqwrite)"},{"$f":"'Outcome FW'!I86","v":"How good are you at each of the following:\n\na)  writing in English when you need to in daily life? For example: writing letters or notes or filling in official forms?\nb) reading in English when you need to? For example\nreading newspapers and magazines or reading letters, paperwork or forms?\n\n1. Very good \n2. Fairly good \n3. Below average \n4. Poor \n5. No opinion. \n6, Don't Know  "},{"$f":"'Outcome FW'!L86","v":0},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E84))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E84))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D84))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E84))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F84))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G84))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H84))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I84))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J84))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A87","v":"Ability"},{"$f":"'Outcome FW'!B87","v":"N"},{"$f":"'Outcome FW'!C87","v":84},{"$f":"'Outcome FW'!D87","v":"Basic skills: Digital Literacy"},{"$f":"'Outcome FW'!E87","v":"Able to use financial/money-related online services eg. forms, tools, emails, and online banking\n"},{"$f":"'Outcome FW'!F87","v":"Ability to carry out financial tasks and transactions online "},{"$f":"'Outcome FW'!G87","v":"DSK (2.3)"},{"$f":"'Outcome FW'!I87","v":"A) Do you access to the internet at home or elsewhere?\nYes\nNo\nDon't know\n\nIF DO HAVE ACCESS\nB) STEM I’d like you to think about different commercial transactions people do in their everyday lives like banking or shopping. How how knowledgeable you feel about: \na) Buying a product online\nb) Making travel reservations/bookings\nc) Paying bills\nd) Using your bank’s online services\ne) Comparing products and services\nf) Ordering groceries or food online\ng) Selling things online\nh) Finding the location of a house,  office, store or restaurant \n\n1. I have an excellent knowledge\n2. I have a good knowledge\n3. I have a basic knowledge\n4. I know nothing about this\n5. Not applicable"},{"$f":"'Outcome FW'!L87","v":0},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E85))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E85))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D85))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E85))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F85))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G85))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H85))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I85))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J85))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A88","v":"Ability"},{"$f":"'Outcome FW'!B88","v":"N"},{"$f":"'Outcome FW'!C88","v":85},{"$f":"'Outcome FW'!D88","v":"Basic skills: Digital Literacy"},{"$f":"'Outcome FW'!E88","v":"Able to navigate online content and locate the information they need"},{"$f":"'Outcome FW'!F88","v":"Ability to use the internet"},{"$f":"'Outcome FW'!G88","v":"DSK (1.1.3a)"},{"$f":"'Outcome FW'!I88","v":"How would you rate your ability to use the\nInternet?\n1. Excellent\n2. Good\n3. Fair\n4. Poor\n5. Bad\n6. Don’t know"},{"$f":"'Outcome FW'!L88","v":0},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E86))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E86))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D86))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E86))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F86))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G86))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H86))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I86))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J86))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A89","v":"Ability"},{"$f":"'Outcome FW'!B89","v":"N"},{"$f":"'Outcome FW'!C89","v":86},{"$f":"'Outcome FW'!D89","v":"Basic skills:Digital literacy"},{"$f":"'Outcome FW'!E89","v":"Able to navigate online content and locate the information they need"},{"$f":"'Outcome FW'!F89","v":"Ability to find information online\n\n"},{"$f":"'Outcome FW'!G89","v":"SEG (P5)"},{"$f":"'Outcome FW'!I89","v":"To what extent do you agree or disagree with the following statements?\n\n- When I need information the first place I look is the internet\n - I find it easy to find what I am looking for online\n - I would rather look at information in a paper leaflet than on a company’s website\n\n1. Strongly Agree\n2. Tend to Agree\n3. Tend to disagree\n4. Strongly  disagree\n5. Don’t know\n6. Does not apply to me\n "},{"$f":"'Outcome FW'!L89","v":"You should consider using this question in conjunction with the Connection question on willingness to use digital services to gain a fuller picture of you beneficiaries level of digital inclusion and whether this supports their financial capability. "},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E87))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E87))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D87))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E87))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F87))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G87))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H87))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I87))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J87))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A90","v":"Ability"},{"$f":"'Outcome FW'!B90","v":"N"},{"$f":"'Outcome FW'!C90","v":87},{"$f":"'Outcome FW'!D90","v":"Basic skills: Communication"},{"$f":"'Outcome FW'!E90","v":"Able to confidently interact with others in English (or Welsh in Wales)"},{"$f":"'Outcome FW'!F90","v":"Ease of communicating in English or (Welsh in Wales)  "},{"$f":"'Outcome FW'!G90","v":"NEW"},{"$f":"'Outcome FW'!I90","v":"Can I check, is English your first language?  Yes/No\n\n[IF NO]  So can I check would you have any difficulty speaking in English to a member of staff in a bank about choosing a financial product?\n1. Yes\n2. No\n\nIF IN WALES: \nCan I check, is English or Welsh your first language?  \nYes - English\nYes - Welsh\nNo, neither\n\n[IF NEITHER]  So can I check would you have any difficulty speaking in English or Welsh to a member of staff in a bank about choosing a financial product?\n1. Yes\n2. No"},{"$f":"'Outcome FW'!L90","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(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E88))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E88))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D88))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E88))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F88))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G88))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H88))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I88))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J88))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A91","v":"Means"},{"$f":"'Outcome FW'!B91","v":"N"},{"$f":"'Outcome FW'!C91","v":88},{"$f":"'Outcome FW'!D91","v":"Income"},{"$f":"'Outcome FW'!E91","v":"Employment status"},{"$f":"'Outcome FW'!F91","v":"N/A"},{"$f":"'Outcome FW'!G91","v":"Standard question"},{"$f":"'Outcome FW'!I91","v":"Thinking about your employment, what is your current status?\n\nSELECT ONE ONLY\nIF MORE THAN ONE APPLIES, SELECT MAIN STATUS\nIF ON MATERNITY LEAVE FROM EMPLOYER AND PLANNING ON RETURNING COUNT THIS AS WORKING\n1. Working for an employer full-time (that is for 30 or more hours per week)\n2. Working for an employer part-time (that is for less than 30 hours per week)\n3. Self-employed (with or without workers)\n4. Unemployed and looking for work\n5. Unemployed and not looking for work\n6. Retired\n7. Student\n8. Permanently sick / disabled\n9. Temporarily sick \n10. Looking after home\n11. Other \n"},{"$f":"'Outcome FW'!L91","v":"No"},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E89))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E89))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D89))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E89))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F89))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G89))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H89))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I89))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J89))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A92","v":"Means"},{"$f":"'Outcome FW'!B92","v":"N"},{"$f":"'Outcome FW'!C92","v":89},{"$f":"'Outcome FW'!D92","v":"Income"},{"$f":"'Outcome FW'!E92","v":"Income "},{"$f":"'Outcome FW'!F92","v":"N/A"},{"$f":"'Outcome FW'!G92","v":"Fincap P4"},{"$f":"'Outcome FW'!I92","v":"A) Which of the following sources of income, if any, do you currently have? Please include any income you receive personally or jointly with your partner or spouse. \nCHOOSE ALL THAT APPLY  \n1. Income from employment/self-employment (including sick pay)\n2. Income from personal or occupational pensions\n3. Income from savings/investments\n4. Rent you receive from boarders or lodgers (not family members) or other property you rent out or sublet\n5. Child maintenance payments\n6. Other types of payments or maintenance from parents or other family members who you do not live with, including as regular gifts\n7. None of these (SINGLE CODE ONLY)\n8. Don’t know  (SINGLE CODE ONLY)\n9. Prefer not to say  (SINGLE CODE ONLY)\n\nB) And which of the following sources of income do you currently have, if any?\nCHOOSE ALL THAT APPLY  \n1. State Pension\n2. Pension Credit\n3. Child benefit\n4. Universal Credit\n5. Working Tax Credits\n6. Job Seekers Allowance (JSA) \n7. Employment and Support Allowance (ESA)\n8. Income Support \n9. Housing benefit\n10. Council Tax Reduction\n11. Disability Living Allowance (DLA), Personal Independence Payment (PIP) or Attendance Allowance (AA)\n12. Carers Allowance\n13. Something else \n14. None of these (SINGLE CODE ONLY)\n15. Don't know (SINGLE CODE ONLY)\n16. Prefer not to say (SINGLE CODE ONLY)"},{"$f":"'Outcome FW'!L92","v":"Practitioners can choose to use either or both questions, depending on need."},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E90))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E90))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D90))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E90))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F90))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G90))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H90))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I90))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J90))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A93","v":"Means"},{"$f":"'Outcome FW'!B93","v":"N"},{"$f":"'Outcome FW'!C93","v":90},{"$f":"'Outcome FW'!D93","v":"Income"},{"$f":"'Outcome FW'!E93","v":"Income "},{"$f":"'Outcome FW'!F93","v":"N/A"},{"$f":"'Outcome FW'!G93","v":"Fincap P1"},{"$f":"'Outcome FW'!I93","v":"Which band from the grid below does your household’s total gross income from all sources fall into?\n[INCOME is any money from work, including a second job or occasional work, and any other sources, such as benefits, pensions, savings and investments, maintenance payments and rent from property or subletting.]\nGROSS means the amount you receive before any deductions, income tax, National Insurance etc. \nCHOOSE ONE ONLY\n Per Week Per Month Per Year\n1. Up to £86 Up to £374 Under £4,500\n2. £87 - £124 £375 - £541 £4,500 - £6,499\n3.  £125 - £143 £542 - £624 £6,500 - £7,499\n4.  £144 - £182 £625 - £791 £7,500 - £9,499\n5. £183 - £220 £792 - £957 £9,500 - £11,499\n6. £221 - £259 £958 - £1,124 £11,500 - £13,499\n7.  £260 - £297 £1,125 - £1,291 £13,500 - £15,499\n8.  £298 - £336 £1,292 - £1,457 £15,500 - £17,499\n9.  £337 - £384 £1,458 - £1,666 £17,500 - £19,999\n10.  £385 - £480 £1,667 - £2,082 £20,000 - £24,999\n11. £481 - £576 £2,083 - £2,499 £25,000 - £29,999\n12. £577 - £672 £2,500 - £2,916 £30,000 - £34,999\n13. £673 - £768 £2,917 - £3,332 £35,000 - £39,999\n14. £769 - £961 £3,333 - £4,166 £40,000 - £49,999\n15 £962 - £1,441 £4,167 - £6,249 £50,000 - £74,999\n16.  £1,442 - £1,922 £6,250 - £8,332 £75,000 - £99,999\n17. £1,923+ £8,333+ £100,000+\n18. Don’t know\n19. Prefer not to say "},{"$f":"'Outcome FW'!L93","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(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E91))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E91))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D91))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E91))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F91))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G91))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H91))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I91))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J91))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A94","v":"Means"},{"$f":"'Outcome FW'!B94","v":"N"},{"$f":"'Outcome FW'!C94","v":91},{"$f":"'Outcome FW'!D94","v":"Income"},{"$f":"'Outcome FW'!E94","v":"Income "},{"$f":"'Outcome FW'!F94","v":"N/A"},{"$f":"'Outcome FW'!G94","v":"NEW"},{"$f":"'Outcome FW'!I94","v":"POST\nBy how much has your income increased since [REFERENCE POINT]?\n1. ENTER AMOUNT IN £\n2. Stayed the same\n3. Has fallen\n4. Don't know\n5. Prefer not to say"},{"$f":"'Outcome FW'!L94","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(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E92))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E92))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D92))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E92))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F92))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G92))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H92))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I92))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J92))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A95","v":"Means"},{"$f":"'Outcome FW'!B95","v":"N"},{"$f":"'Outcome FW'!C95","v":92},{"$f":"'Outcome FW'!D95","v":"Income"},{"$f":"'Outcome FW'!E95","v":"Income "},{"$f":"'Outcome FW'!F95","v":"N/A"},{"$f":"'Outcome FW'!G95","v":"Fincap P3"},{"$f":"'Outcome FW'!I95","v":"Which one of these best applies to you personally?\n1. Pay income tax at a basic rate\n2. Pay income tax at a higher rate\n3. Do not pay income tax\n4. Don’t know\n5. Prefer not to say"},{"$f":"'Outcome FW'!L95","v":0},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E93))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E93))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D93))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E93))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F93))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G93))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H93))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I93))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J93))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A96","v":"Means"},{"$f":"'Outcome FW'!B96","v":"N"},{"$f":"'Outcome FW'!C96","v":93},{"$f":"'Outcome FW'!D96","v":"Savings"},{"$f":"'Outcome FW'!E96","v":"Savings"},{"$f":"'Outcome FW'!F96","v":"N/A"},{"$f":"'Outcome FW'!G96","v":"Fincap G5"},{"$f":"'Outcome FW'!I96","v":"A) Approximately how much, if anything, do you personally have in savings and investments? Please do not include any money that you have saved in a pension. \n1. ENTER EXACT AMOUNT\n2. I do not have any savings and investments\n3. Don’t know \n4. Prefer not to say \n\nB) Could you estimate the total within the following bands?\nCHOOSE ONE ONLY\n1. £100 or less\n2. £101 - £500\n3. £501 - £1,000\n4. £1,001 - £9,999\n5. £10,000 - £19,999\n6. £20,000 or more\n7. Don’t know\n8. Prefer not to say "},{"$f":"'Outcome FW'!L96","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.\n\nFor clients living with partners or in households where savings are jointly held, this question can be ammended to capture total household savings. "},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E94))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E94))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D94))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E94))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F94))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G94))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H94))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I94))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J94))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A97","v":"Means"},{"$f":"'Outcome FW'!B97","v":"N"},{"$f":"'Outcome FW'!C97","v":94},{"$f":"'Outcome FW'!D97","v":"Savings"},{"$f":"'Outcome FW'!E97","v":"Savings"},{"$f":"'Outcome FW'!F97","v":"N/A"},{"$f":"'Outcome FW'!G97","v":"PDL Qsav"},{"$f":"'Outcome FW'!I97","v":"Please can you tell me whether you currently have money saved in any of the following types of savings accounts and investments, including any joint accounts? CHOOSE ALL THAT APPLY\n1. A savings or deposit account with a bank or building society\n2. An account with a Credit Union\n3. Cash ISA\n4. Premium bonds\n5. Stocks and shares\n6. Other savings products\n7. Other investment product (not including pension)\n8. None of these (SINGLE CODE ONLY)\n9. Don't know (SINGLE CODE ONLY)\n10. Prefer not to say (SINGLE CODE ONLY)"},{"$f":"'Outcome FW'!L97","v":0},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E95))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E95))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D95))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E95))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F95))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G95))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H95))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I95))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J95))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A98","v":"Means"},{"$f":"'Outcome FW'!B98","v":"N"},{"$f":"'Outcome FW'!C98","v":95},{"$f":"'Outcome FW'!D98","v":"Other assets"},{"$f":"'Outcome FW'!E98","v":"Other assets "},{"$f":"'Outcome FW'!F98","v":"N/A"},{"$f":"'Outcome FW'!G98","v":"ELSA IAPROP and SEG N6"},{"$f":"'Outcome FW'!I98","v":"A) Which, if any, of these assets do you have, not including your own home? Please include any in your sole name or jointly owned with someone else\nCHOOSE ALL THAT APPLY. \n1. Houses, flats or holiday homes, including timeshares (not including this home) \n2. Farm or Business Property (such as a shop, warehouse or garage) \n3. Other land \n4. Cars, motorbikes, boats and other motor vehicles\n5. Money owed to you by others \n6. Money held in a trust \n7. Art, antiques, collectables, jewellery, and other valuables\n8. Other assets\n9. None of these (SINGLE CODE ONLY)\n10. Don't know (SINGLE CODE ONLY)\n11. Prefer not to say (SINGLE CODE ONLY)\n\nB) How much, in total, do you think they are currently worth? We only need your best estimate if you are unsure. \nCHOOSE ONE ONLY\n1. Less than £30,000 \n2. £30,000 to £39,999\n3. £40,000 to £49,999\n4. £50,000 to £74,999\n5. £75,000 to £99,999\n6. £100,000 to £149,999\n7. £150,000 to £199,999\n8. £200,000 to £249,999\n9. £250,000 to £500,000\n10. £500,000+\n11. Don't know (SINGLE CODE ONLY)\n12. Prefer not to say (SINGLE CODE ONLY)"},{"$f":"'Outcome FW'!L98","v":"This should be last question asked in relation to Other Assets"},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E96))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E96))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D96))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E96))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F96))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G96))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H96))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I96))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J96))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A99","v":"Means"},{"$f":"'Outcome FW'!B99","v":"N"},{"$f":"'Outcome FW'!C99","v":96},{"$f":"'Outcome FW'!D99","v":"Other assets"},{"$f":"'Outcome FW'!E99","v":"Other assets "},{"$f":"'Outcome FW'!F99","v":"N/A"},{"$f":"'Outcome FW'!G99","v":"WAS Ten1\nSEG F21\nWAS Hvalue"},{"$f":"'Outcome FW'!I99","v":"A) In which of these ways do you (and your household) occupy your home?\n1. Own it outright\n2. Buying it with the help of a mortgage or loan\n3. Pay part rent and part mortgage (shared ownership)\n4. Rent it\n5. Live here rent-free (including rent-free in relative's/friend's property; excluding\nsquatting)\n6. Squatting\n\nB) And how much in total is left to pay on your mortgage (or mortgages, if you have more than one). If you are unsure, please give your best estimate.\nCHOOSE ONE ONLY\n1. Less than £10,000\n2. £10,000 to £19,999\n3. £20,000 to £29,999\n4. £30,000 to £39,999\n5. £40,000 to £49,999\n6. £50,000 to £74,999\n7. £75,000 to £99,999\n8. £100,000\n9. to £149,999\n10. £150,000 to £199,999\n11. £200,000 to £249,999\n12. £250,000 to £299,999\n13. £300,000 to £399,999\n14. £400,000 to £499,999\n15. £500,000 or more\n16. Don't know\n17. Prefer not to say\n\nC) About how much would you expect to get (in total and not just your share) for your current home if you sold it today (before paying off any outstanding mortgage or loan on the property)?\nCHOOSE ONE ONLY\nENTER AMOUNT IN £s  If DK, then asked banded question: \n1. Less than £60,000\n2. £60,000 to £99,999\n3. £100,000 to £149.999\n4. £150,000 to £199,999\n5. £200,000 to £249,999\n6. £250,000 to £299,999\n7. £300,000 to £349,999\n8. £350,000 to £399,999\n9. £400,000 to £499,999\n10. £500,000 to £749,999\n11. £750,000 to £999,999\n12. £1 million or more "},{"$f":"'Outcome FW'!L99","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(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E97))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E97))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D97))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E97))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F97))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G97))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H97))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I97))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J97))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A100","v":"Means"},{"$f":"'Outcome FW'!B100","v":"N"},{"$f":"'Outcome FW'!C100","v":97},{"$f":"'Outcome FW'!D100","v":"Access to affordable credit "},{"$f":"'Outcome FW'!E100","v":"Access to affordable credit "},{"$f":"'Outcome FW'!F100","v":"N/A"},{"$f":"'Outcome FW'!G100","v":"HCC 8.9"},{"$f":"'Outcome FW'!I100","v":"Please can you tell me which of the following you have had in the last [3 months], whether in your own name or jointly with someone else? Please include any that you are in arrears with.\n1. Credit or store card\n2. Overdraft \n3. Payday loan\n3. Loan from company that collects payments from your home (e.g. Provident, Greenwoods)\n5. Loan from a pawnbroker\n7. Loan from a Credit Union or other community finance organisation\n8. A loan from a friend or relative.\n9. Loan from the Social Fund\n10. Loan from an unlicensed lender who charges interest, sometimes called a loan shark\n11. Any other type of loan from a bank, building society or finance company e.g. Norton Finance, Blackhorse car finance\n11) Something else\n12) Don't know\n13) Prefer not to say"},{"$f":"'Outcome FW'!L100","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(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E98))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E98))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D98))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E98))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F98))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G98))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H98))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I98))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J98))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A101","v":"Ability"},{"$f":"'Outcome FW'!B101","v":"N"},{"$f":"'Outcome FW'!C101","v":98},{"$f":"'Outcome FW'!D101","v":"Committed expenditure"},{"$f":"'Outcome FW'!E101","v":"Additional outgoings"},{"$f":"'Outcome FW'!F101","v":"Number of additional high-value monthly outgoings"},{"$f":"'Outcome FW'!G101","v":"Fincap K2"},{"$f":"'Outcome FW'!I101","v":"Do you (and your partner if you have one) regularly spend more than £200 a month on any of the following items? \nCHOOSE ALL THAT APPLY \n1. Travel to work\n2. Rent paid because you work away from home and cannot claim it back\n3. Child care\n4. School fees\n5. Care for someone else (including nursing home)\n6. Financial support to a partner, child or other family member who does not live with you\n7. None of these (SINGLE CODE ONLY)\n8. Don’t know (SINGLE CODE ONLY)\n9. Prefer not to say (SINGLE CODE ONLY)"},{"$f":"'Outcome FW'!L101","v":0},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E99))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E99))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D99))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E99))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F99))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G99))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H99))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I99))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J99))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A102","v":"Ability"},{"$f":"'Outcome FW'!B102","v":"N"},{"$f":"'Outcome FW'!C102","v":99},{"$f":"'Outcome FW'!D102","v":"Committed expenditure"},{"$f":"'Outcome FW'!E102","v":"Additional outgoings"},{"$f":"'Outcome FW'!F102","v":"Number of additional high-value monthly outgoings that are more than budget allows for"},{"$f":"'Outcome FW'!G102","v":"Fincap K2"},{"$f":"'Outcome FW'!I102","v":"Do you (and your partner if you have one) regularly spend more than you can afford on any of the following items? \nPLEASE SELECT ALL THAT APPLY \n1. Travel to work\n2. Rent paid because you work away from home and cannot claim it back\n3. Child care\n4. School fees\n5. Care for someone else (including nursing home)\n6. Financial support to a partner, child or other family member who does not live with you\n7. Paying off credit or store cards \n8. Paying for goods bought on hire purchase or mail order\n8. None of these (SINGLE CODE ONLY)"},{"$f":"'Outcome FW'!L102","v":0},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E100))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E100))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D100))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E100))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F100))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G100))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H100))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I100))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J100))),\"\")","v":""}]
[false,"Out",{"$f":"'Outcome FW'!A103","v":"Ability"},{"$f":"'Outcome FW'!B103","v":"N"},{"$f":"'Outcome FW'!C103","v":100},{"$f":"'Outcome FW'!D103","v":"Committed expenditure"},{"$f":"'Outcome FW'!E103","v":"Dependent children"},{"$f":"'Outcome FW'!F103","v":"Number of dependent children"},{"$f":"'Outcome FW'!G103","v":"WB C12b"},{"$f":"'Outcome FW'!I103","v":"How many children depend on you financially?"},{"$f":"'Outcome FW'!L103","v":0},null,null,null,{"$f":"IFERROR(INDEX(E$3:E$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E101))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$281,SMALL(IF(B$3:B$281=\"In\",ROW(C$2:C$280)-ROW(E$2)+1),ROW(E101))),\"\")","v":""},{"$f":"IFERROR(INDEX(D$3:D$281,SMALL(IF(B$3:B$281=\"In\",ROW(D$2:D$280)-ROW(D$2)+1),ROW(D101))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$281,SMALL(IF(B$3:B$281=\"In\",ROW(E$2:E$280)-ROW(E$2)+1),ROW(E101))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$281,SMALL(IF(B$3:B$281=\"In\",ROW(G$2:G$280)-ROW(F$2)+1),ROW(F101))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$281,SMALL(IF(B$3:B$281=\"In\",ROW(H$2:H$280)-ROW(G$2)+1),ROW(G101))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$281,SMALL(IF(B$3:B$281=\"In\",ROW(I$2:I$280)-ROW(H$2)+1),ROW(H101))),\"\")","v":""},{"$f":"IFERROR(INDEX(J$3:J$281,SMALL(IF(B$3:B$281=\"In\",ROW(J$2:J$280)-ROW(I$2)+1),ROW(I101))),\"\")","v":""},{"$f":"IFERROR(INDEX(K$3:K$281,SMALL(IF(B$3:B$281=\"In\",ROW(K$2:K$280)-ROW(J$2)+1),ROW(J101))),\"\")","v":""}]
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{"sheet":"Outcome FW","index":45,"n_rows":103,"n_cols":12,"rows_kept":103,"cut":false,"hidden":false,"merged":[]}
[]
["Area","Building block measure","Q ref","Higher level outcome","Lower level outcome","Indicator","Original source","Status","Final framework question","Can the question be asked via all modes (e.g. self-completion, face to face, phone)?","Adapt for pre/post?","Notes for users"]
["Financial Wellbeing","Y",1,"Current financial wellbeing","Able to live (adequately) within means","Satisfaction with financial circumstances ","FinCap B2","Original","How satisfied are you with your overall financial circumstances? \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","N/A","N/A","Use a visual 0 to 10 scale with the statements indicated attached the extremes.\n"]
["Financial Wellbeing","N",2,"Current financial wellbeing","Able to live (adequately) within means","Regularity of running out of money ","WAS ORunout","Adapted","How often do you and your household run out of money before the end of the week or month or needed to use a credit card or overdraft to get by? Would you say it was ...\n1. Always\n2. Most of the time\n3. Sometimes\n4. Hardly ever\n5. Never\n6. Don’t know","N/A","N/A"]
["Financial Wellbeing","Y",3,"Current financial wellbeing","Able to keep up with bills ","Self-reported keeping up with bills and commitments","Fincap J1","Adapted","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. Keeping up without any difficulties\n2. It is a struggle from time to time \n3. It is a constant struggle\n4. Falling behind with some bills or credit commitments\n5. Having real financial problems and have fallen behind with many bills or credit commitments  \n6. Don’t have any bills or credit commitments\n7. Don't know\n8. Prefer not to say","N/A","N/A"]
["Financial Wellbeing","Y",4,"Current financial wellbeing","Bills / credit commitments are not a burden ","Self-reported burden of bills and commitments","FinCap",null,"To what extent do you feel that keeping up with your bills and credit commitments is a burden?\n1. It is not a burden at all\n2. It is somewhat of a burden \n3. It is a heavy burden\n4. Don't know\n","N/A","N/A"]
["Financial Wellbeing","N",5,"Current financial wellbeing","Not experiencing material deprivation","Regularity of being unable to pay for essentials ","WB B3","Changed ","How often do you and your household go without essential items due to a lack of money? This might include being unable to pay bills, buy food or pay for heating.\n1. Always\n2. Most of the time\n3. Sometimes\n4. Hardly ever\n5. Never\n6. Don’t know","N/A","N/A"]
["Financial Wellbeing","N",6,"Current financial wellbeing","Not experiencing material deprivation","Number of expenses considered affordable","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)","N/A","N/A"]
["Financial Wellbeing","Y",7,"Current financial wellbeing","Able to pay unexpected bills","Capacity to pay an unexpected bill of £300","Fincap I10","Adapted","Thinking about an unexpected bill of £300 that you have to pay within seven days from today, which of the following would you do? \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","N/A","N/A"]
["Financial Wellbeing","Y",8,"Longer term financial security","Able to withstand a significant financial shock ","Ratio of savings to income","Genworth","Changed","See means section of framework for savings and income questions","N/A","N/A","You will need to calculate the savings to income ratio for each beneficiary. There are questions in our means section that you can use to capture people’s income and savings – either as an exact amount or using value range. Analysis of the Financial Capability survey for the UK used gross annual income and all savings excluding pensions to calculate the ratio. Remember that if you are using household income you should use household savings to calculate the ratio and likewise for personal income and personal savings. If you are capturing income and savings within a value range (e.g.  £4,500 - £6,499) you can use the middle value to calculate the ratio (e.g. £5499.50). If you would like any help or advice with this, please get in touch.  "]
["Financial Wellbeing","Y",9,"Longer term financial security","Able to withstand a significant financial shock ","Number of insurance and protection products","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)","N/A","N/A","This question might be useful in conjunction with questions on individuals savings to income ratio and capacity to pay an unexpected bill in order to build a picture of your beneficiaries overall resilience to both minor and major financial shocks. "]
["Financial Wellbeing","Y",10,"Longer term financial security","Able to withstand a significant financial shock ","Number of types of longer term savings products ","FinCap G1","Original","Do you currently have savings or investments in any of the following? Please do not include any money that you have saved in a pension. \n1. In a savings account \n2. In an ISA\n3. In a cash / money box\n4. In a credit union account\n5. In a savings club (e.g. Christmas savings club)\n6. Premium bonds\n7. In a current account\n8. In investments/stocks & shares\n9. Other (please specify) \n10. I do not have any savings (SINGLE CODE ONLY)\n11. Prefer not to say (SINGLE CODE ONLY)","N/A","N/A","This question might be useful in conjunction with questions on savings to build a picture of your beneficiaries level of savings. "]
["Financial Wellbeing","Y",11,"Finances and emotional/mental wellbeing","    ","Level of anxiety about finances ","FinCap",null,"To what extent do you agree or disagree with the following statements?\nB. Thinking about my financial situation makes me anxious\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know","N/A","N/A"]
["Financial Wellbeing","N",12,"Finances and emotional/mental wellbeing","   ","Effect of finances on mental health ","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 these do you experience because of your or your household's financial situation?\n1. Stress or anxiety\n2. Low mood or depression\n3. Self-harm or suicidal thoughts\n4. Difficulty concentrating or relaxing\n5. Difficulty sleeping\n6. Panic attacks\n7. Family tension or arguments\n8. Domestic abuse or violence\n9. Poor/loss of appetite or eating too much\n10. Increased use of alcohol \n11. Misuse of prescription or over-the-counter drugs\n12. Use of illicit (illegal) drugs or legal highs\n13. Other (specify) \n14. Not experienced any of these\n15. Prefer not to say\n16. Don't know\n","N/A","N/A","Both questions can be asked, but in this order."]
["Financial Wellbeing","N",13,"Confindent about financial future","   ","Level of confidence in future finances ","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","N/A","N/A"]
["Behaviour","Y",14,"Managing credit use","Reducing the value of unsecured borrowing","Total unsecured borrowing","Fincap E7","Original","If you added up all of your  balances on credit cards, store cards, personal loans, hire purchase, car finance arrangements and student loans, approximately how much do you owe in total? ","N/A","No ","When analysing this data, be aware that borrowing is not always a bad, when at an affordable level. Also it is worth taking into account payment cycles when interpreting your results. Regular credit card users, for example, who pay off their credit cards in full each month, may show an increase in levels of borrowing if the pre measure is taken immediately after making a payment and the post measure is taken just before their payment is due.  Please get in touch if you would like advice on how to manage this. "]
["Behaviour","Y",15,"Managing credit use","Planning how to pay down debt ","Quality of plan for paying down debt ","Fincap D3","Original ","How much of a plan do you have about how you will pay off or reduce my debts?\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.\n\n- 0 I don’t have a plan of what I need to do\n...\n- 10 I have a very specific plan of what I need to do\n\nDon’t know\n\n","N/A"]
["Behaviour","Y",16,"Managing credit use","Using credit responsibly/sensibly","Approach to credit card repayment ","Fincap E10","Changed","How do you generally handle paying your bill each month for your credit cards or store cards? \n1. I generally make the minimum payment each month, but I pay more than the minimum when I can\n2. I vary in the amount I pay off – between the minimum and the full amount\n3. I usually pay in full, but sometimes let part of the balance roll over to the next month\n4. I always pay in full\n5. Don’t know\n6. Prefer not so say\n","N/A","No","This question might be useful in conjunction with questions on individuals  attitudes to borrowing (see mindset) to build a picture of your beneficiaries borrowing behaviour and inclination to borrow. "]
["Behaviour","N",17,"Managing credit use","Taking steps to tackle problem debt","Steps taken to tackle problem debt","Fincap J4","Changed","PRE: In the last X months, which of the following steps have you taken to reduce the amount of money you owe? This includes any debts you haven’t paid  or late/unpaid bills and credit commitments.\n\nPOST: Since [Reference Point], which of the following steps have you taken to reduce the amount of money you owe? This includes any debts you haven’t paid  or late/unpaid bills and credit commitments.\n\nCHOOSE ALL THAT APPLY\n\n1. Do not have any debts\n2. Increased regular payments\n3. Paid a lump sum towards them\n4. Spoken to the company/companies the money is owed to\n5. Taken independent advice (e.g. from Citizen's Advice Bureau, StepChange, Money Advice Service)\n6. Consolidated loans or credit cards \n7. Set up a Debt Management Plan or Debt Arrangement Scheme\n8. Arranged to write off some or all debts (e.g. applied for bankruptcy or a debt relief order, or set up an IVA)\n9. Other (specify)\n10. None of these, but have debts\n","N/A","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)."]
["Behaviour","Y",18,"Keeping track of income and spending"," ","Accuracy of knowledge about spending money","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","N/A","No","This question should be asked before asking other questions about keeping track. \n\nThis question has been adapted from Money Advice Services building blocks of financial capability, based on key driver analysis of the financial capability survey. The measure in the financial capability survey, asks about the balance of their current account, rather than money to spend more generally. \n\nThe original measure was worded as follows:  Which of these best describes how accurately you know the balance on this account?  We’re not interested in how much money is in the account, just how accurately you know how much money you have in the account."]
["Behaviour","Y",19,"Keeping track of income and spending","Keeping track of income and spending","Regularity of checking current account balance","FinCap F5","Original\n\n","How often do you normally check how much money is in your current account?  This could be through getting a mini statement at a bank machine, receiving an automated text message or looking at your account details online. Please choose one option only. \n1. Every day\n2. At least once a week, but not every day\n3. At least once a fortnight, but not once a week\n4. At least once a month, but not once a fortnight\n5. Less than once a month\n6. Other (please specify)\n7. Never\n8. Don’t know\n","N/A"]
["Behaviour","Y",20,"Keeping track of income and spending"," ","Methods used to keep track of income and expenditure","FinCap I5 ","Original ","Which of these do you regularly use to keep track of your income and spending? Please select all that apply. \n1. An online budgeting tool\n2. An App on a mobile or other electronic device\n3. A spreadsheet\n4. A piece of paper\n5. An accounts book or notebook\n6. A financial software package\n7. By checking my bank balance\n8. By reviewing  bank statements\n9. In my head\n10. Other (please specify)\n11.  I don’t keep track\n12. Don’t know \n","N/A",null,"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 9, 11 and 12 to any other code and / or increasing the number of behaviours they have adopted "]
["Behaviour","N",21,"Keeping track of income and spending","Creating and sticking to a viable budget","Quality of spending plans, frequency of sticking to budget","CitA 3","Original","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","N/A","No","Both questions should be used together, in this order."]
["Behaviour","N",22,"Managing bill payments"," ","Frequency of missed bill payments ","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","N/A","No"]
["Behaviour","N ",23,"Managing bill payments"," ","Quality of planning to pay bills","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","N/A","No"]
["Behaviour","N",24,"Maximising income"," ","Regularity of shopping around to get the best deal  ","NEW","New","When choosing or renewing a product or package, how often do you or your someone else in your household spend time comparing different products or packages? This might include mobile phone contracts, gas and electricity, or insurance.\nCHOOSE ONE ONLY\n1. I/we always spend time comparing\n2. I/we sometimes spend time comparing\n3. I/we very rarely spend time comparing\n4. I/we never spend time comparing\n5. Don’t know\n","N/A","No"]
["Behaviour","N",25,"Maximising income "," ","Steps taken to make money go further","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","N/A","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."]
["Behaviour","N",26,"Maximising income "," ","Claiming benefits and adjusting claim following changes in circumstances","N/A",null,"We have not included a measure of ths behaviour as the actions an individual should take, and when, will differ depending on the their circumstances, the benefits they are claiming and changes to welfare policy.\n\nHouseholds who are claiming benefits must ensure their claim is accurate and up to date following any changes in circumstances, both to ensure that they are getting the full amount they are entitled to and to stop any over-payments, which they might struggle to pay back in the future. \n\nIf your intervention is seeking to maximise beneficiaries' income by supporting them to claim benefits, you might consider using changes to beneficiaries income alongside other administration data (such as whether the advisor helped them to make a claim) to evidence this. Please get in touch with the Money Advice Service if you would like help with deciding how best to measure this outcome.","N/A"]
["Behaviour","Y",27,"Active saving ","Saving on a regular basis","Frequency of saving and amount saved ","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","N/A","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."]
["Behaviour","Y",28,"Building resilience","Saving for expected and unexpected expenses","Number of expected and unexpected expenses ","Fincap G7 and G8 adapted ","New","Here is a list of some of the reasons people have said they save. Which, if any, of these are reasons why  you/you and your partner/spouse have savings?  \nPLEASE SELECT ALL THAT APPLY\n1. To pay for planned expenses, purchases or events\n2. In case I have to pay for unexpected expenses/purchases\n3. For a rainy day generally\n4. In case my or my partner/spouse's income changes\n5. For my retirement (excluding paying into a pension)\n6. None of these (SINGLE CODE ONLY)\n7. Don’t know (SINGLE CODE ONLY)\n\nWhat planned expenses, purchases or events are you saving for?\nPLEASE SELECT ALL THAT APPLY\n1. Deposit to rent own home\n2. Deposit to buy own home\n3. Other expenses to move house\n4. A wedding\n5. Starting a family/having another child\n6. Education for me or my partner/spouse\n7. Education for children/grown-up children\n8. Helping grown-up children to rent a home\n9. Helping grown-up children to buy a home\n10. A holiday\n11. Retirement\n12. Home improvements\n13. Purchasing a car/van/motorbike\n14. Other (please specify)\n15. Don’t know (SINGLE CODE ONLY)","N/A","No","Practitioners can choose to use either question or both, remembering to include the preamble once.\n\nSee managing well day to day: active saving for a measure of saving behaviour. \n\nSee means: savings for a measure of the total amount held in savings "]
["Behaviour","Y",101,"Buidling resilience ","Increasing the total amount saved","Amount in personal savings and investments (excluding pension)","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 ","N/A"]
["Behaviour","Y",29,"Working towards financial goals "," ","Number of financial goals and quality of plan for achieving goals","Fincap D2 & D3","Original","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. Saving money to rent own home\n4. Saving money to buy own home\n5. Saving money for a wedding\n6. Saving money to start a family/have another child\n7. Saving money  for education for me <IF CODE 2 AT A6 and my partner/spouse>\n8. Saving money  for education for children/grown-up children\n9. Saving money  to help grown-up children to rent a home\n10. Saving money  to help grown-up children to buy a home\n11. Saving money for a holiday\n12. Saving money for retirement\n13. Saving money for home improvements\n14. Saving money to purchase a car/van/motorbike\n15. Saving money generally\n16. Other (please specify)\n17. None of these (SINGLE CODE ONLY)\n\nB) How much of a plan do you have about how you will achieve your financial goal for (ANSWER FROM D2)\n\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…","N/A","No","For paper based survey, consider presenting questions A and B in a grid format in order to capture the level of plan respondents have to achieve each of their goals. "]
["Behaviour","N",30,"Saving for retirement"," ","Whether currently paying into a pension scheme ","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","N/A","No"]
["Behaviour","N",31,"Saving for retirement"," ","Steps taken to ensure adequate income (for pension or retirement)","NEW","New","PRE. In the last [X] months, which of the following have you done in relation to your pension or retirement income?\n\nPOST. Since [REFERENCE POINT], which of the following have you done in relation to your pension or retirement income? \nCHOOSE ALL THAT APPLY\n\n1. Checked whether my income will be enough to meet my needs in retirement\n2. Increased how much I am paying towards my retirement income\n3. I don't have a pension / source of retirement income\n4. Neither of these\n","N/A","No","Practitioners can change the standard reference period of [X]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\")"]
["Behaviour","N",32,"Proactively seeking advice and guidance "," ","How recently guidance and advice has been used","WAS DBurdW","Adapted","PRE: In the last [SIX] months, which of these have you used for information or advice about your finances?\nPOST: Since [REFERENCE POINT] which of these have you used for information or advice about your finances?\nCHOOSE ALL THAT APPLY\n1. A free advice agency (Money Advice Service, Citizens Advice Bureau, money or debt advice centre, law centre, consumer credit counselling service, National Debtline, benefits office)\n2. An insolvency practitioner\n3. Accountant, bank or other financial adviser\n4. Solicitor or lawyer\n5. Other advice company or person charging a fee\n6. Landlord\n7. Family or friends\n8. Martin Lewis/Money Saving Expert\n9. Price comparison websites e.g. moneysupermarket.com\n10. Other websites\n11. Other (specify)\n12. I haven’t used any of these for advice\n","N/A","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\")"]
["Behaviour","N ",33,"Proactively seeking online advice and guidance"," ","How frequently online advice and guidance has been sought","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","N/A","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"]
["Connection","N",34,"Exposure and access to appropriate financial advice and guidance","Access to financial advice, guidance and tools which meet their needs in a form and language they can understand, and channel they can use effectively","Ease of access to advice services, either in person or by telephone ","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","N/A","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."]
["Connection","N",35,"Exposure and access to financial products ","Access to appropriate financial products which meet their needs via appropriate channels","Ease of access to banking services, either in person or my mail","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","N/A","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\""]
["Connection","N",36,"Exposure and access to financial products ","Access to appropriate financial products which meet their needs via appropriate channels","Types of banking products held","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","N/A","No"]
["Connection","N",37,"Exposure and access to appropriate financial advice and guidance","Digital access to financial advice, guidance and tools ","Use of the internet to access information about money and finances ","NEW","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","N/A","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."]
["Connection","Y",38,"Exposure and access to appropriate financial advice and guidance","Digital access to financial products and services ","Willingness to use the internet to carry out day to day banking","Fincap (O2G)",null,"To what extent do you agree or disagree with the following statement:\n\nI would be happy to use the Internet to carry out day to day banking transactions","N/A"]
["Mindset","Y",39,"Attitudes to  credit use"," ","Preference for saving up rather than borrowing money","Fincap (O2F)","Original","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 - I hate to borrow – I would much rather save up in advance","N/A"]
["Mindset","N",40,"Belief that money advice and guidance can help them"," ","Likelihood of seeking money advice and guidance","NEW","New","How likely are you to take advice about dealing with money issues from a free advice organisation to deal with money worries? This could include Citizen's Advice Bureau, Money Advice Service or StepChange.\n\nCHOOSE ONE ONLY\n\n1. Very likely\n2. Fairly likely\n3. Fairly unlikely\n4. Very unlikely\n5. Don’t know\n","N/A","No"]
["Mindset","N",41,"Belief that money advice and guidance can help them"," ","Attitude towards money advice and guidance ","NEW","New","How much do you agree or disagree with each of the following statements? When we say advice and guidance, we mean from organisations like Citizen's Advice Bureau, Money Advice Service or StepChange and also from accountants and independent financial advisers\n\n• Asking for financial advice and guidance seems too scary \n• I’d feel embarrassed to take financial advice and guidance\n• I’d make better financial decisions with financial advice and guidance\n• I can sort out my own money issues, without financial advice and guidance\n• When it comes to things like bank accounts, credit cards or insurance, there’s not enough information out there I can trust\n","N/A","No","If administering on paper/web can set this up s a grid with Agree/Disagree scale along the top"]
["Mindset","N",42,"Confidence communicating with financial professionals "," ","Confidence talking to professionals about money","NEW","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","N/A"]
["Mindset","Y",43,"Saving mindset ","Understand the value of saving for an unexpected event ","Perceived importance of saving for a rainy day","Fincap (O3A)","Original","Thinking overall about your finances, how important do you think it is to save for a rainy day \n\n1. Very important\n2. Fairly important\n3. Neither important nor unimportant\n4. Fairly unimportant\n5. Very unimportant\n6. Don’t know","N/A"]
["Mindset","Y",44,"Saving mindset ","Recognise the importance of future financial needs in retirement","Perceived importance of putting money aside for retirement","Fincap (O3B) ","Original","How important do you think it is to put money aside for your retirement\n\n1. Very important\n2. Fairly important\n3. Neither important nor unimportant\n4. Fairly unimportant\n5. Very unimportant\n6. Don’t know","N/A","no"]
["Mindset","Y",45,"Saving mindset ","Motivated to keep track of finances ","Perceived importance of keeping track of income and expenditure ","Fincap (O3C)","Original","How important 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","N/A","No"]
["Mindset","Y",46,"Saving mindset ","Understand the value of making their money go further by shopping around","Perceived importance of shopping around","Fincap (O3D) ","Original","How important do you think it is to shop around in order to make your money go further \n\n1. Very important\n2. Fairly important\n3. Neither important nor unimportant\n4. Fairly unimportant\n5. Very unimportant\n6. Don’t know","N/A","No"]
["Mindset","N",47,"Saving mindset ","Understand the value of making their money go further by shopping around","Attitude to switching suppliers ","NEW","New (except * which is from SEG Q3)","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 switching things like insurance, energy or bank accounts, 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","N/A","No","If administering on paper/web can set this up s a grid with Agree/Disagree scale along the top"]
["Mindset","Y",48,"Financial confidence","Confident managing money","Level of confidence in managing money","Fincap (B3","Original","How confident do you feel about managing your money?  \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","N/A",null,"Use a visual 0 to 10 scale with the statements indicated attached the extremes."]
["Mindset","Y",49,"Financial confidence","Confident choosing appropriate products/services","Level of confidence in choosing appropriate products/services","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","N/A","No","Use a visual 0 to 10 scale with the statements indicated attached the extremes."]
["Mindset","N",50,"Financial confidence","Confident keeping track of income and expenditure","Perceived quality of approach to keeping track of income and expenditure","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","N/A","No","Use a visual 0 to 10 scale with the statements indicated attached the extremes."]
["Mindset","N",51,"Financial confidence","Confident exercising their own judgment in financial decisions and to question\nsuggestions and advice","Level of confidence dealing with companies and making purchases ","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","N/A","No"]
["Mindset","N",52,"Financial confidence","Confident exercising their own judgment in financial decisions and to question\nsuggestions and advice","Level of confidence making decisions about pensions","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","N/A","No","If administering on paper/web can set this up s a grid with Agree/Disagree scale along the top"]
["Mindset","N",53,"Financial confidence","Confident communicating about their situation and needs with financial\nservices professionals.","Level of confidence talking to advice providers ","NEW","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","N/A","No"]
["Mindset","N",54,"Financial confidence"," ","Extent of feeling in control of financial situation\n","NEW","New - untested","How much do you agree or disagree with each of the following statements?  \n \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","N/A","No","If administering on paper/web can set this up s a grid with Agree/Disagree scale along the top"]
["Mindset","Y",55,"Self-controlled spending "," ","Frequency of buying on impulse","Fincap (Q4a)","Changed","O4 To what extent would you say the following statements apply to you personally?\n\nA) I often buy things on impulse\n\n0 does not sound like me\n...\n10 sounds a lot like me\nDon't know\nNot applicable","N/A","No"]
["Mindset","Y",56,"Self-controlled spending "," ","Ability to resist pressures to spend","Fincap (Q4c)","Changed","O4 To what extent would you say the following statements apply to you personally?\n\nB) I feel under pressure to spend like my friends even when I can’t afford it.0 (does not sound like me at all) to 10 (sounds a lot like me)  \n\n\n0 does not sound like me\n...\n10 sounds a lot like me\nDon't know\nNot applicable","N/A","No"]
["Mindset","Y",57,"Financial engagement"," ","Extent of engagement with finances ","Fincap (O2D)","Original","To what extent do you agree or disagree with the\nstatement \n\n\"I prefer to live for today and let tomorrow take care of itself\" \n \"Nothing I do will make much difference to my financial situation\"\n\"I am too busy to sort out my finances at the moment\"\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/A","No"]
["Mindset","Y",58,"Adaptable to changing financial circumstances "," ","Willingness to adjust non-essential spending","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","N/A"]
["Mindset","N",59,"Willing to talk openly and honestly about money with friends and family"," ","Willingness to talk about money with friends and family\n","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","N/A","No","If administering on paper/web can set this up s a grid with Agree/Disagree scale along the top"]
["Mindset","N",60,"Attitudes to the future ","Recognise the importance of balancing their future financial needs with their current financial needs ","Preference for saving for the future rather than spending now","OECD (f10)/SEG (c44)/ SEG (d35)/BASE (qpla4)","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 - 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","N/A","No","If administering on paper/web can set this up as a grid with Agree/Disagree scale along the top"]
["Mindset","N",61,"Attitudes to the future ","Anticipate and plan for future financial needs including less positive scenarios ","Extent of plans for funding future care needs ","NI Life & Times survey 2010 (careplan/Q15)","Adapted","Have you thought about or made any plans for how you might fund the care and support you may need as you get older? This might include in-home support or a care home.\nCODES 3,4,5,6 CAN BE MULTICODE\n1. I haven't really thought about it\n2. I've thought about it but haven’t done anything specific\n3. I’m saving money which could pay for this (e.g. savings, pension or investments)\n4. I’ve taken out insurance cover to pay for this (e.g. long-term care plan)\n5. I could sell property to pay for this\n6. I hope my family would help fund this\n7. Other (please specify)\n8. Don't know","N/A","No"]
["Mindset","N",62,"Attitudes to the future ","Anticipate and plan for future financial needs including less positive scenarios ","Extent of plans for coping with income loss due to changes in tax or benefits","NI Life & Times survey 2010 (careplan/Q15)","Changed","Have you thought about or made any plans for how you might cope financially with an unexpected fall in your or your household’s income because of changes in tax or benefits?\nCODES 3,4,5,6 CAN BE MULTICODE\n1. I haven't really thought about it\n2. I've thought about it but haven’t done anything specific\n3. I’m saving money which could pay for this (e.g. savings, pension or investments)\n4. I could sell property to pay for this\n5. I hope family would help fund this\n6. Other (please specify)\n7. Don't know\n\n","N/A","No"]
["Mindset","N",63,"Attitudes to the future ","Anticipate and plan for future financial needs including less positive scenarios ","Extent of plans for coping with income loss due to redundancy or ill health","NI Life & Times survey 2010 (careplan/Q15)","Changed","Have you thought about or made any plans for how you might cope financially with an unexpected fall in your or your household’s income because of redundancy or ill-health?\nCODES 3,4,5,6,7 CAN BE MULTICODE\n1. I haven't really thought about it\n2. I've thought about it but haven’t done anything specific\n3. I’m saving money which could pay for this (e.g. savings, pension or investments)\n4. I’ve taken out insurance to pay for this \n5. I could sell property to pay for this\n6. I hope family would help fund this\n7. Other (please specify)\n8. Don't know\n","N/A","No"]
["Mindset","N",64,"Attitudes to the future ","Anticipate and plan for future financial needs including less positive scenarios ","Extent of plans for coping with a rise in mortgage repayments","NI Life & Times survey 2010 (careplan/Q15)","Changed","ONLY IF HAVE A MORTGAGE: 35. Have you thought about or made any plans for how you might cope financially if interest rates rise and your or your household’s mortgage repayments increase?\nCODES 3,4,5,6,7 CAN BE MULTICODE\n1. I haven't really thought about it\n2. I've thought about it but haven’t done anything specific\n3. I’m saving money which could pay for this (e.g. savings, pension or investments)\n4. I would switch to a new mortgage deal\n5. I could sell property to pay for this\n6. I hope family would help fund this\n7. Other (please specify)\n8. This won’t affect me – I’m on a fixed rate mortgage\n9. Don't know\n","N/A","No","For those with a mortgage only"]
["Ability","Y",65,"Financial numeracy","Understand financial concepts and are able to answer basic questions around\ninterest rates","Ability to calculate interest earned from savings\n","Fincap (N3)",null,"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?\n","Yes  - though best suited to visual presentation, more difficult to administer on the phone","No","Correct answer is £102\n\nFor easier analysis, you may want to consider providing answer codes e.g. \n\n1: A. £120\n2: B. £140\n3: C. £104\n4: D. £102\n\nHowever, this may make it easier for participants to answer and therefore provide an innaccurate picture of their ability. "]
["Ability","N",66,"Financial numeracy","Understand financial concepts and are able to answer basic questions around\ninterest rates","Ability to calculate interest owed on a loan","PDL (Q97a)",null,"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","No","Correct answer B."]
["Ability","Y",67,"Financial numeracy","Understand financial concepts and are able to answer basic questions around\ninflation","Understanding of the impact of inflation on buying power","Fincap (N2)",null,"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","No","Correct answer \"Less\"."]
["Ability","N",68,"Understand financial concepts and products  ","Understand different loan types and interest on borrowing","Understanding of loan types and calculating interest","NEW",null,"STEM Which of these statements best describes how knowledgeable you feel about: \n\n- comparing different loans and credit cards\n- credit unions \n- calculating the total cost of a loan or credit such as Brighthouse or a car on hire purchase (including interest and charges)  \n\n1. I have an excellent knowledge\n2. I have a good knowledge\n3. I have a basic knowledge\n4. I know nothing about this\n5. Not applicable","Yes","No","Several Ability indicators in this framework use this question structure. If you select more than one of these indicators, be sure to present these as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, responses along the top"]
["Ability","N",69,"Understand financial concepts and products  ","Understand different loan types and interest on borrowing","Understanding of APR","NEW",null,"QUIZ I would like to know whether you think the following statements are true or false.....\n\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","No"]
["Ability","N",70,"Understand financial concepts and products ","Understand investments ","Understanding of investments \n\n","OECD (QK7)",null,"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 - It is usually possible to reduce the risk of investing in the stock market by buying a wide range of stocks and shares. \n\nTrue\nFalse\nDon't know","Yes","No","Correct answers: False, True, "]
["Ability","N",71,"Understanding financial concepts, products and situations","Understand bank accounts ","Knowledge of bank accounts and ability to check bank balance","NEW",null,"STEM: Which of these statements best describes how knowledgeable you feel about: \n\n- bank accounts\n- checking the balance on your bank account\n\n1. I have an excellent knowledge\n2. I have a good knowledge\n3. I have a basic knowledge\n4. I know nothing about this\n5. Not applicable","Yes","No","Several Ability indicators in this framework use this question structure. If you select more than one of these indicators, be sure to present these as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, responses along the top"]
["Ability","N",72,"Understanding financial concepts, products and situations","Understand different insurance products and can assess which options are right for them","Understanding of insurance and ability to compare insurance products\n","NEW",null,"STEM: Which of these statements best describes how knowledgeable you feel about: \n\n- insurance\n- comparing different types of insurance\n\n1. I have an excellent knowledge\n2. I have a good knowledge\n3. I have a basic knowledge\n4. I know nothing about this\n5. Not applicable","Yes","No","Several Ability indicators in this framework use this question structure. If you select more than one of these indicators, be sure to present these as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, responses along the top"]
["Ability","N ",73,"Understanding financial concepts, products and situations","Understand different types of savings vehicles, and can assess which options are right for them","Understanding of savings accounts and ability to compare savings products","NEW",null,"STEM: Which of these statements best describes how knowledgeable you feel about: \n- savings accounts \n- credit unions \n- comparing savings products  \n1. I have an excellent knowledge\n2. I have a good knowledge\n3. I have a basic knowledge\n4. I know nothing about this\n5. Not applicable","Yes","No","Several Ability indicators in this framework use this question structure. If you select more than one of these indicators, be sure to present these as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, responses along the top"]
["Ability","N",74,"Understanding financial concepts, products and options relevant to their issue, life stage or event","Understand concepts, products and options relavent to their pension","Knowledge of pensions, ability to check and make decisions about pensions\n\n","NEW",null,"STEM: Which of these statements best describes how knowledgeable you feel about: \n- pensions\n- checking how much pension income you will get when you retire\n- making decisions about a pension to give you an income you require in retirement \n1. I have an excellent knowledge\n2. I have a good knowledge\n3. I have a basic knowledge\n4. I know nothing about this\n5. Not applicable","Yes","No","Several Ability indicators in this framework use this question structure. If you select more than one of these indicators, be sure to present these as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, responses along the top"]
["Ability","N ",75,"Understanding financial concepts, products and options relevant to their issue, life stage or event","Understand concepts, products and options relevant to their mortgage","Understanding of mortgages and mortgage repayments ","NEW",null,"STEM: Which of these statements best describes how knowledgeable you feel about:  \n- mortgages\n- applying for a mortgage\n- calculating you monthly mortgage repayments if interest rates rise\n1. I have an excellent knowledge\n2. I have a good knowledge\n3. I have a basic knowledge\n4. I know nothing about this\n5. Not applicable","Yes","No","Several Ability questions in this framework use this structure. If you select more than ones of these, be sure to present these as one question with multiple statement. This can be set up as a grid if used in a web/self -completion setting with statements down the side, responses along the top.  "]
["Ability","N",76,"Understanding financial concepts, products and options relevant to their issue, life stage or event","Understand concepts, products and options relevant to problem debt","Knowledge of options and rights in relation to problem debt","DAE (Q25)",null,"STEM: Which of these statements best describes how knowledgeable you feel about:  \n- the different options for sorting out debt problems\n- the fees charged for debt solutions such as bankruptcy, Debt Relief Orders and Debt Management Plans\n- the steps I should take if I’m unable to pay my debts \n- my rights when companies try to recover money I owe them\n- the steps companies can take to recover the money I owe them\n1. I have an excellent knowledge\n2. I have a good knowledge\n3. I have a basic knowledge\n4. I know nothing about this\n5. Not applicable\n\n\n","Yes","No","Several Ability indicators in this framework use this question structure. If you select more than one of these indicators, be sure to present these as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, responses along the top"]
["Ability","N",77,"Knowledge of where to go for advice, guidance and tools about their financial situation, in person, by phone and using digital resources"," ","Awareness of different advice providers ","Fincap (F2)",null,"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. Consumer Credit Counselling Service (CCCS)/StepChange\n9. National Debtline\n[ADD OTHER RELEVANT ORGANISATIONS/SITES]\n11. None of these\n","Yes\n","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."]
["Ability","N",78,"Knowledge of where to go for advice, guidance and tools about their financial situation, in person, by phone and using digital resources"," ","Knowledge of how to access money advice","NEW",null,"STEM: Which of these statements best describes how knowledgeable you feel about:  \n- where to get  advice if you need help with your finances\n\n1. I have an excellent knowledge\n2. I have a good knowledge\n3. I have a basic knowledge\n4. I know nothing about this\n5. Not applicable","Yes","No","Several Ability indicators in this framework use this question structure. If you select more than one of these indicators, be sure to present these as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, responses along the top"]
["Ability","N ",79,"Understanding financial concepts, products and situations","Understand the main types of financial fraud and how to protect themselves from it","Knowledge about types of fraud and ability to protect from fraud ","NEW",null,"STEM: Which of these statements best describes how knowledgeable you feel about:  \n- different types of financial fraud/scams \n- protecting yourself from financial fraud / scams\n- protecting yourself from online financial fraud / scams\n\n1. I have an excellent knowledge\n2. I have a good knowledge\n3. I have a basic knowledge\n4. I know nothing about this\n5. Not applicable\n","Yes","No","Several Ability indicators in this framework use this question structure. If you select more than one of these indicators, be sure to present these as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, responses along the top"]
["Ability","N ",80,"Understanding money management","Understand the principles of budgeting and can develop a budget suited to their needs","Ability to create a weekly or monthly budget ","NEW",null,"STEM: Which of these statements best describes how knowledgeable you feel about: \n- creating a weekly or monthly household budget\n\n1. I have an excellent knowledge\n2. I have a good knowledge\n3. I have a basic knowledge\n4. I know nothing about this\n5. Not applicable\n","Yes","No","Several Ability indicators in this framework use this question structure. If you select more than one of these indicators, be sure to present these as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, responses along the top"]
["Ability","N",81,"Understanding money management","Knowing how to make their money go further","Ability to use a price comparison site ","NEW",null,"STEM: Which of these statements best describes how knowledgeable you feel about: \n - using a price comparison website \n\n1. I have an excellent knowledge\n2. I have a good knowledge\n3. I have a basic knowledge\n4. I know nothing about this\n5. Not applicable\n\n","Yes","No","Several Ability indicators in this framework use this question structure. If you select more than one of these indicators, be sure to present these as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, responses along the top"]
["Ability","N",82,"Understanding money management","Knowing how to make their money go further","Ability to check benefits entitlements and tax payments","NEW",null,"STEM: Which of these statements best describes how knowledgeable you feel about: \n- checking you’re getting all benefits you are entitled to\n- checking you’re paying the correct amount of tax\n\n1. I have an excellent knowledge\n2. I have a good knowledge\n3. I have a basic knowledge\n4. I know nothing about this\n5. Not applicable\n\n","Yes","No","Several Ability indicators in this framework use this question structure. If you select more than one of these indicators, be sure to present these as one question with multiple statements. This can be set up as a grid if used in a web/self -completion setting with statements down the side, responses along the top"]
["Ability","N",83,"Basic skills: Literacy","People have the level of literacy needed to fill in forms and read information about financial products in English (or Welsh in Wales)","Level of literacy ","SKILL (bqwrite)",null,"How good are you at each of the following:\n\na)  writing in English when you need to in daily life? For example: writing letters or notes or filling in official forms?\nb) 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"]
["Ability","N",84,"Basic skills: Digital Literacy","Able to use financial/money-related online services eg. forms, tools, emails, and online banking\n","Ability to carry out financial tasks and transactions online ","DSK (2.3)",null,"A) Do you access to the internet at home or elsewhere?\nYes\nNo\nDon't know\n\nIF DO HAVE ACCESS\nB) STEM I’d like you to think about different commercial transactions people do in their everyday lives like banking or shopping. How how knowledgeable you feel about: \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. I have an excellent knowledge\n2. I have a good knowledge\n3. I have a basic knowledge\n4. I know nothing about this\n5. Not applicable","Yes","No"]
["Ability","N",85,"Basic skills: Digital Literacy","Able to navigate online content and locate the information they need","Ability to use the internet","DSK (1.1.3a)",null,"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"]
["Ability","N",86,"Basic skills:Digital literacy","Able to navigate online content and locate the information they need","Ability to find information online\n\n","SEG (P5)",null,"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\n1. Strongly Agree\n2. Tend to Agree\n3. Tend to disagree\n4. Strongly  disagree\n5. Don’t know\n6. Does not apply to me\n ","Yes","No","You should consider using this question in conjunction with the Connection question on willingness to use digital services to gain a fuller picture of you beneficiaries level of digital inclusion and whether this supports their financial capability. "]
["Ability","N",87,"Basic skills: Communication","Able to confidently interact with others in English (or Welsh in Wales)","Ease of communicating in English or (Welsh in Wales)  ","NEW",null,"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\nIF IN WALES: \nCan 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","Yes","No","Can also extend this to include reading and writing in English if not using the basic skills questions above."]
["Means","N",88,"Income","Employment status","N/A","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","N/A","N/A","No"]
["Means","N",89,"Income","Income ","N/A","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)","N/A","N/A","Practitioners can choose to use either or both questions, depending on need."]
["Means","N",90,"Income","Income ","N/A","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 ","N/A","N/A","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."]
["Means","N",91,"Income","Income ","N/A","NEW","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","N/A","N/A","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')"]
["Means","N",92,"Income","Income ","N/A","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","N/A","N/A"]
["Means","N",93,"Savings","Savings","N/A","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 ","N/A","N/A","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.\n\nFor clients living with partners or in households where savings are jointly held, this question can be ammended to capture total household savings. "]
["Means","N",94,"Savings","Savings","N/A","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)","N/A","N/A"]
["Means","N",95,"Other assets","Other assets ","N/A","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)","N/A","N/A","This should be last question asked in relation to Other Assets"]
["Means","N",96,"Other assets","Other assets ","N/A","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 ","N/A","N/A","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"]
["Means","N",97,"Access to affordable credit ","Access to affordable credit ","N/A","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","N/A","N/A","Practitioners can amend the 3 months shown to a reference period which is in keeping with their intervention and following period."]
["Ability","N",98,"Committed expenditure","Additional outgoings","Number of additional high-value monthly outgoings","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)","N/A","No"]
["Ability","N",99,"Committed expenditure","Additional outgoings","Number of additional high-value monthly outgoings that are more than budget allows for","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)","N/A","No"]
["Ability","N",100,"Committed expenditure","Dependent children","Number of dependent children","WB C12b","Adapted","How many children depend on you financially?","N/A","No"]