([KEY_AGEDOL] == 14 && [last round interviewed] < 12) ||
([KEY_AGEDOL] == 13 && [last round interviewed] < 13) ||
([KEY_AGEDOL] == 12 && [last round interviewed] < 14)

COMMENT: R is eligible for the Assets 25 section in round 15

We now have some questions about different kinds of savings, investments or other assets that [you/you or your spouse/you or your partner] may have.

{PREV_OTHER_ASSETS}==1

COMMENT: The respondent reported ownership of ANY assets other than a car or vehicle during the last assets interview

{PREV_ASTMARCHANGE}==1 || {CUR_ASTMARCHANGE}==1

COMMENT: R has reported a change in marital (or partner) status since the last assets interview

{YINC-2000}==1 || {YINC-2900}==1 || {YINC-4300}==1 || {YINC-4600}==1 || {YINC-4900}==1

COMMENT: The respondent reported interest, dividend, business or professional practice,or rental property income

([YAST25-900]>=1 && [YAST25-900]<=3) || ([owns all/owns part/rent/owned by others] >=1 && [owns all/owns part/rent/owned by others] <=4) || [YAST25-2220]==1 || [YAST25-2280]==1 || ([YAST25-2520]>=1 && [YAST25-2520]<=6) || [YAST25-2610]==1 || [YAST25-2857]==1 || [YAST25-2900]==1 || [YAST25-3110]==1 || [YAST25-3160]==1 || [YAST25-3310]==1 || [YAST25-3310]==2 || [YAST25-3350]==1

COMMENT: The respondent reported owning own home or selling previous home

Since [LASTASTINTDATE~X], have [you/you or your spouse/you or your partner] opened any account at a bank or a credit union such as a checking account or a savings account?

Since [LASTASTINTDATE~X], have [you/you or your spouse/you or your partner] bought, inherited, or been given certificates of deposit, U.S. Savings Bonds, stocks, or other financial investments?

Since [LASTASTINTDATE~X], have [you/you or your spouse/you or your partner] contributed to a plan that saves for retirement, such as an IRA or a Keogh plan or an account for saving for educational expenses, such as a Coverdell IRA or 529 plan?

Other than a car or other vehicle, have [you/you or your spouse/you or your partner] bought, inherited, or been given any item currently worth at least $1000 since [LASTASTINTDATE~X]. Please include any major purchase since then including the purchase of any appliances or other item worth at least $1000.

Do [you/you or your spouse/you or your partner] currently own or are [you/you or your spouse/you or your partner] purchasing a car or other type of motor vehicle, such as a van, truck, jeep-like vehicle, a motor home/RV, motorcycle, or airplane? Please do not include vehicles that you lease or have use of, but do not own.

Altogether, what is the current market value of all of the vehicles [you have/you have on your own and you have jointly with your spouse/partner]?

INTERVIEWER: IF RESPONDENT IS UNABLE TO GIVE AN EXACT AMOUNT, PROBE FOR A RANGE.

(ENTER AMOUNT)

(READ IF NECESSARY) What is the lower amount of the range? What is the upper amount of the range?

(REFER TO SHOWCARD II)

[[Please look at this card/ ]]

Can you tell me the letter of the category that is your best estimate of that amount?

How much is still owed on these vehicles?

INTERVIEWER: IF RESPONDENT IS UNABLE TO GIVE AN EXACT AMOUNT, PROBE FOR A RANGE.

(ENTER AMOUNT)

(READ IF NECESSARY) What is the lower amount of the range? What is the upper amount of the range?

(REFER TO SHOWCARD II)

[[Please look at this card/ ]]

Can you tell me the letter of the category that is your best estimate of that amount?

Do [you/you or your spouse/you or your partner] have any checking accounts, savings accounts or money market accounts or funds?

What is the (total) current balance in all of the checking, savings and money market accounts [you have/you have on your own and you have jointly with your spouse/partner]? (Average balance over the past month)

INTERVIEWER: IF RESPONDENT IS UNABLE TO GIVE AN EXACT AMOUNT, PROBE FOR A RANGE.

(ENTER AMOUNT)

(READ IF NECESSARY) What is the lower amount of the range? What is the upper amount of the range?

(REFER TO SHOWCARD S)

[[Please look at this card/ ]]

Can you tell me the letter of the category that is your best estimate of that amount?

Excluding retirement plan savings, do [you/you or your spouse/you or your partner] have any certificates of deposit (CDs) at financial institutions, government savings bonds, Treasury bills, or other types of corporate, municipal, government bonds or bills, including any CDs, bonds, or bills held in investment trusts?

IF RESPONDENT ASKS, CDS ARE CERTIFICATES HELD FOR A SET PERIOD OF TIME THAT MUST BE CASHED OR RENEWED AT THE MATURITY DATE, GOVERNMENT SAVINGS BONDS MAY BE CALLED SERIES EE OR HH AND CAN BE PURCHASED BY PAYROLL DEDUCTION. IF NECESSARY, PROBE WITH EXAMPLES -- MORTGAGE BACKED BONDS SUCH AS THOSE FROM "GINNE-MAE" OR "FANNIE-MAE"; U.S. FREE BONDS; FOREIGN BONDS; CORPORATE BONDS.

If you were to cash in all of the CD's, bonds and bills [you have/you have on your own and you have jointly with your spouse/partner], how much would you get?

INTERVIEWER: IF RESPONDENT IS UNABLE TO GIVE AN EXACT AMOUNT, PROBE FOR A RANGE.

(ENTER AMOUNT)

(READ IF NECESSARY) What is the lower amount of the range? What is the upper amount of the range?

(REFER TO SHOWCARD S)

[[Please look at this card/ ]]

Can you tell me the letter of the category that is your best estimate of that amount?

Do [you/you or your spouse/you or your partner] have any shares of stock in publicly-held corporations or mutual funds, including any stock or mutual funds held in investment trusts?

If you sold all of the shares of stock in publicly-held corporations [you have/you have on your own and you have jointly with your spouse/partner], including mutual funds, how much would you get?

INTERVIEWER: IF RESPONDENT IS UNABLE TO GIVE AN EXACT AMOUNT, PROBE FOR A RANGE.

(ENTER AMOUNT)

(READ IF NECESSARY) What is the lower amount of the range? What is the upper amount of the range?

(REFER TO SHOWCARD S)

[[Please look at this card/ ]]

Can you tell me the letter of the category that is your best estimate of that amount?

The two major types of life insurance are term policies and cash-value policies. We are interested in whether [you/you or your spouse/you or your partner] have any cash-value policies, which pay a beneficiary upon the death of the policy owner and can be cashed in or borrowed against by the policy owner. Term policies cannot be cashed in or borrowed against and only pay a beneficiary if the insured person dies.

INTERVIEWER PLEASE READ IF NECESSARY: OTHER NAMES FOR TYPES OF CASH VALUE POLICIES ARE "WHOLE LIFE," "UNIVERSAL LIFE," "ORDINARY LIFE" OR "VARIABLE LIFE."

Altogether, how much money would [you/you or your spouse/you or your partner] end up with if you cashed in these life insurance policies today?

INTERVIEWER: IF RESPONDENT IS UNABLE TO GIVE AN EXACT AMOUNT, PROBE FOR A RANGE.

(ENTER AMOUNT)

(READ IF NECESSARY) What is the lower amount of the range? What is the upper amount of the range?

(REFER TO SHOWCARD JJ)

[[Please look at this card/ ]]

Can you tell me the letter of the category that is your best estimate of that amount?

Now I would like to ask you some questions about any pension or retirement savings. Many employers and unions sponsor pensions or retirement plans, some provide tax-deferred plans such as 401 K's, profit sharing or stock ownership plans. Do [you/you or your spouse/you or your partner] have any savings in these types of plans?

(READ IF NECESSARY) Other examples include 403B plans, 457 plans, IRA-SEP plans, and IRA-SIMPLE plans. Please do not include Traditional IRAs, Roth IRAs, or education IRAs as these will be asked about later.

What is the total value of all the savings [you have/you have in your own and you have jointly with your spouse/partner] in plans that save for retirement, such as IRA or Keogh plans or accounts for saving for educational expenses, such as Coverdell IRAs or 529 plans?

INTERVIEWER: IF RESPONDENT IS UNABLE TO GIVE AN EXACT AMOUNT, PROBE FOR A RANGE.

(ENTER AMOUNT)

(READ IF NECESSARY) What is the lower amount of the range? What is the upper amount of the range?

(REFER TO SHOWCARD JJ)

[[Please look at this card/ ]]

Can you tell me the letter of the category that is your best estimate of that amount?

Does anyone owe [you/you or your spouse/you or your partner] any money from personal loans or from any mortgage loans that you have made to others, even if you are not sure that these people will repay you? Please do not include any loans owed to your business or farm as we will be talking about them later.

Altogether, how much are you owed from these loans?

(ENTER AMOUNT)

(READ IF NECESSARY) What is the lower amount of the range? What is the upper amount of the range?

(REFER TO SHOWCARD FF)

[[Please look at this card/ ]]

Can you tell me the letter of the category that is your best estimate of that amount?

Do [you/you or your spouse/you or your partner] own any vehicles such as a car, van, truck, jeep-like vehicle, a motor home/RV, motorcycle, boat or airplane?

Altogether, what is the current market value of all of the vehicles [you own/you own jointly with your spouse/partner]?

INTERVIEWER: IF RESPONDENT IS UNABLE TO GIVE AN EXACT AMOUNT, PROBE FOR A RANGE.

(ENTER AMOUNT)

(READ IF NECESSARY) What is the lower amount of the range? What is the upper amount of the range?

(REFER TO SHOWCARD FF)

[[Please look at this card/ ]]

Can you tell me the letter of the category that is your best estimate of that amount?

How much is still owed on these vehicles?

INTERVIEWER: IF RESPONDENT IS UNABLE TO GIVE AN EXACT AMOUNT, PROBE FOR A RANGE.

(ENTER AMOUNT)

(READ IF NECESSARY) What is the lower amount of the range? What is the upper amount of the range?

(REFER TO SHOWCARD FF)

[[Please look at this card/ ]]

Can you tell me the letter of the category that is your best estimate of that amount?

Do [you/you or your spouse/you or your partner] own a business, partnership or professional practice, or any part of a business/partnership/professional practice?

Please list the names of all businesses and professional practices which you currently own or in which you are invested.

INTERVIEWER: IF THE NAME OF THE BUSINESS OR PROFESSIONAL PRACTICE IS SPELLED INCORRECTLY, PLEASE CLICK ON "MODIFY ROW" NEXT TO THE NAME AND MAKE THE NECESSARY CORRECTIONS.

IF THERE ARE NO CORRECTIONS, PRESS "SUBMIT AND CONTINUE".

INTERVIEWER: IF ANY BUSINESS OR PROFESSIONAL PRACTICE THAT WAS ADDED TO THE ROSTER IN THE PREVIOUS QUESTION SHOULD NOT BE ON THIS LIST, PLEASE CLICK ON "DELETE ROW" NEXT TO THE NAME OF THE PROGRAM.

IF THERE ARE NO DELETIONS, PRESS "SUBMIT AND CONTINUE".

Now, I'm going to ask you some questions about each business or professional practice [you/you or your spouse/you or your partner] are currently invested in.

RECCOUNT ([BUSINESSES])

FOR([BPP_LOOP]=1; [BPP_LOOP]<=[TOTBPP]; [BPP_LOOP]=[BPP_LOOP]+1; [YAST25-4116A-LOOP-END])

In answering these questions, please include all of the land, buildings, tools,equipment, intellectual property, and other assets that [you/you or your spouse/you or your partner] own as part of a business.

If you sold all of [BUSINESSES.NAME([BPP_LOOP])] that [you own/you own and you own with your spouse/partner], including any real estate owned by the business/partnership/professional practice, and paid off any debts, would you lose money, would you make money, or would you just about break even?

How much money would you make?

(ENTER AMOUNT)

How much money would you lose?

(ENTER AMOUNT)

(READ IF NECESSARY) What is the lower amount of the range you might make? What is the upper amount of the range you might make?

(READ IF NECESSARY) What is the lower amount of the range you might lose? What is the upper amount of the range you might lose?

(REFER TO SHOWCARD KK)

[[Please look at this card/ ]]

Can you tell me the letter of the category that is your best estimate of that amount?

(REFER TO SHOWCARD KK)

[[Please look at this card/ ]]

Can you tell me the letter of the category that is your best estimate of how much you might lose?

ENDFOR

Do [you/you or your spouse/you or your partner] have any other real estate, such as a second home, vacation homes or condominiums (including any weeks in a time-share unit), land, rental real estate, a partnership, or money owed to you on a land contract or mortgage?

If you sold all of the other real estate that [you own/you own and you own with your spouse/partner] and paid off any debts on it, how much would you get? IF RESPONDENT WOULD LOSE MONEY ON OTHER REAL ESTATE AFTER SALE SELECT TO ENTER NEGATIVE VALUE.

INTERVIEWER: IF RESPONDENT IS UNABLE TO GIVE AN EXACT AMOUNT, PROBE FOR A RANGE.

(ENTER AMOUNT)

(ENTER AMOUNT)

(READ IF NECESSARY) What is the lower amount of the range? What is the upper amount of the range?

(READ IF NECESSARY) What is the lower amount of the range? What is the upper amount of the range?

(REFER TO SHOWCARD KK)

[[Please look at this card/ ]]

Can you tell me the letter of the category that is your best estimate of that amount?

(REFER TO SHOWCARD BBB)

Now we would like to get your best estimate of the value of your household furnishings you own, including furniture, major appliances, and home electronic items. When answering this question, please consider only items you own. If you own part of an item with someone else, only include the value of the part you own. Please look at this card and tell me the letter of your best estimate of the amount of money you would get if you were to sell all of your personal household furnishings and your portion of shared household items.

Do [you/you or your spouse/you or your partner] have any other savings or substantial assets that we haven't already discussed -- for example assets in a trust, annuity, or managed investment account, art work, precious metals, antiques, oil and gas leases, futures contracts, royalties, or something else?

If you sold all of the other assets [you own/you have on your own and you have jointly with your spouse/partner] how much would you get?

INTERVIEWER: IF RESPONDENT IS UNABLE TO GIVE AN EXACT AMOUNT, PROBE FOR A RANGE.

(ENTER AMOUNT)

(READ IF NECESSARY) What is the lower amount of the range? What is the upper amount of the range?

(REFER TO SHOWCARD FF)

[[Please look at this card/ ]]

Can you tell me the letter of the category that is your best estimate of that amount?

Now I would like to ask you a few questions about any debts you might have other than mortgages and other real estate loans, business debts, and auto loans.

{PREV_COLLOAN}==1

COMMENT: R was loaned money from family/friends at last assets interview

In previous interviews you reported receiving loans from parents, other relatives, or friends to help you attend school or college. What is the total amount that you owe altogether on these educational loans from family members or friends?

(ENTER AMOUNT)

(READ IF NECESSARY) What is the lower amount of the range? What is the upper amount of the range?

(REFER TO SHOWCARD II)

[[Please look at this card/ ]]

Can you tell me the letter of the category that is your best estimate of that amount?

{PREV_GOVLOAN}==1

COMMENT: R was loaned money from family/friends at last assets interview

In previous interviews you reported borrowing government-subsidized or other types of loans to attend a school or college. What is the total amount that you owe altogether on these educational loans?

(ENTER AMOUNT)

(READ IF NECESSARY) What is the lower amount of the range? What is the upper amount of the range?

(REFER TO SHOWCARD II)

[[Please look at this card/ ]]

Can you tell me the letter of the category that is your best estimate of that amount?

{PREV_YINC-20800}>=0

COMMENT: R provided valid answer to the "loaned money from family/friends" at last assets interview question

Other than money someone loaned you for education expenses or for the purchase or remodeling of your home, do [you/you or your spouse/you or your partner] owe $1000 or more to any relatives or friends?

(REFER TO SHOWCARD LL)

Please look at this card and tell me who has ever loaned you $1000 or more?

(SELECT ALL THAT APPLY.)

INSELECTION ([YAST25-5050],-2)

COMMENT: R does not know who loaned them money

INSELECTION ([YAST25-5050],-1)

COMMENT: R does not know who loaned them money

REPEAT

COMMENT: Loop who loaned R money

INSELECTION ([YAST25-5050],[loan loop])

COMMENT: This person was chosen as loaning R money

Altogether how much has/have your [family members/othe people] loaned you?

How much is still owed on this/these loan(s)?

INTERVIEWER: IF RESPONDENT IS UNABLE TO GIVE AN EXACT AMOUNT, PROBE FOR A RANGE.

(ENTER AMOUNT)

(READ IF NECESSARY) What is the lower amount of the range? What is the upper amount of the range?

(REFER TO SHOWCARD FF)

[[Please look at this card/ ]]

Can you tell me the letter of the category that is your best estimate of that amount?

UNTIL (([loan loop]==20) || ([number of people loaning R money]==5))

COMMENT: Conditions from loop met? Loop who loaned R money

Other than money someone loaned you for education expenses or for the purchase or remodeling of your home, since [LASTASTINTDATE~X] have any relatives or friends loaned you $1000 or more?

(REFER TO SHOWCARD LL)

Please look at this card and tell me who has loaned you $1000 or more since [LASTASTINTDATE~X]?

(SELECT ALL THAT APPLY.)

INSELECTION ([YAST25-5140],-2)

COMMENT: R does not know who loaned them money since last assets interview

INSELECTION ([YAST25-5140],-1)

COMMENT: R does not know who loaned them money since last assets interview

REPEAT

COMMENT: Loop who loaned R money since last assets interview

INSELECTION ([YAST25-5140],[loop])

COMMENT: This person was chosen as loaning R money since last assets interview

Since [LASTASTINTDATE~X] how much has/have your [people selected in YAST-5140] loaned you?

Altogether, how much is still owed on this/these loan(s), including any money your [people selected in YAST-5140] may have loaned you before [LASTASTINTDATE~X]?

INTERVIEWER: IF RESPONDENT IS UNABLE TO GIVE AN EXACT AMOUNT, PROBE FOR A RANGE.

(ENTER AMOUNT)

(READ IF NECESSARY) What is the lower amount of the range? What is the upper amount of the range?

(REFER TO SHOWCARD S)

[[Please look at this card/ ]]

Can you tell me the letter of the category that is your best estimate of that amount?

UNTIL (([loop]==20) || ([number of people loaning R money]==5))

COMMENT: Conditions from loop met? Loop who loaned R money since last assets interview

Do [you/you or your spouse/you or your partner] have any credit cards, such as Visa, American Express, or credit cards for specific stores, such as department stores or gas stations?

After the most recent payment, roughly what was the balance still owed on all of these accounts together? If you paid off all of these accounts, please report $0.

INTERVIEWER: IF RESPONDENT IS UNABLE TO GIVE AN EXACT AMOUNT, PROBE FOR A RANGE.

(ENTER AMOUNT)

(READ IF NECESSARY) What is the lower amount of the range? What is the upper amount of the range?

(REFER TO SHOWCARD II)

[[Please look at this card/ ]]

Can you tell me the letter of the category that is your best estimate of that amount?

Do [you/you or your spouse/you or your partner] owe any money on any credit card accounts that you no longer have, such as Visa, American Express, or credit cards for specific stores, such as department stores or gas stations?

After the most recent payment, roughly what was the balance still owed on all of these accounts together?

INTERVIEWER: IF RESPONDENT IS UNABLE TO GIVE AN EXACT AMOUNT, PROBE FOR A RANGE.

(ENTER AMOUNT)

(READ IF NECESSARY) What is the lower amount of the range? What is the upper amount of the range?

(REFER TO SHOWCARD GG)

[[Please look at this card/ ]]

Can you tell me the letter of the category that is your best estimate of that amount?

(Aside from the accounts that we talked about,) Do [you/you or your spouse/you or your partner] currently owe money to any other businesses, such as stores, doctor's offices, hospitals, or banks. Please include any installment plans, rent-to-own accounts, or any other business that you owe money to.

After the most recent payments were made on these accounts, what was the balance still owed?

INTERVIEWER: IF RESPONDENT IS UNABLE TO GIVE AN EXACT AMOUNT, PROBE FOR A RANGE.

(ENTER AMOUNT)

(READ IF NECESSARY) What is the lower amount of the range? What is the upper amount of the range?

(REFER TO SHOWCARD GG)

[[Please look at this card/ ]]

Can you tell me the letter of the category that is your best estimate of that amount?

{KEY_MARSTAT}==1 || {YOUTH_PARTNER}==1

COMMENT: R is currently married or has a partner

{LASTASTSPOPAR}==1 || {KEY_EVERLIVED3}==1

COMMENT: R got married or starting living with spouse/partner since last assets interview

Thinking of all of the things your [spouse/partner] owned and his/her savings and investments when you got married or started living with your partner, if your [spouse/partner] had sold all of this and paid off any debts owed at that time, about how much would your [spouse/partner] have received?

IF SPOUSE/PARTNER HAD MORE DEBTS THAN ASSETS ENTER NEGATIVE VALUE

INTERVIEWER: IF RESPONDENT IS UNABLE TO GIVE AN EXACT AMOUNT, PROBE FOR A RANGE.

(ENTER AMOUNT)

(READ IF NECESSARY) What is the lower amount of the range? What is the upper amount of the range?

(REFER TO SHOWCARD KK)

[[Please look at this card/ ]]

Can you tell me the letter of the category that is your best estimate of that amount?

Does your [spouse/partner] have any savings or investments or own any assets that you do not share any interest in?

If your [spouse/partner] sold or cashed in all of the savings, investments and assets he/she owns that you do not have an interest in, how much would your [spouse/partner] receive?

INTERVIEWER: IF RESPONDENT IS UNABLE TO GIVE AN EXACT AMOUNT, PROBE FOR A RANGE.

(ENTER AMOUNT)

(READ IF NECESSARY) What is the lower amount of the range? What is the upper amount of the range?

(REFER TO SHOWCARD KK)

[[Please look at this card/ ]]

Can you tell me the letter of the category that is your best estimate of that amount?

Sometimes people go through hard times financially. The next few questions are about any financial difficulties you may have gone through recently.

Now thinking of all the various loan or mortgage payments you made during the last year, were all payments made the way they were scheduled, or were payments on any of the loans sometimes made later or missed?

Were you ever behind in your payments by two months or more?

Have [you/you or your spouse/you or your partner] ever declared bankruptcy?

How many times have [you/you or your spouse/you or your partner] declared bankruptcy?

Please think about the most recent time that [you/you or your spouse/you or your partner] declared bankruptcy. In what month and year was this?

What type of bankruptcy did [you/you or your spouse/you or your partner] declare? Was it...