[{KEY_AGEDOL}] >= 15

COMMENT: R is eligible to receive Assets 40 section

Next we want to understand, generally, what your assets and debts are, at about the time when you are close to age 40. You may remember us asking you similar questions when you were about age 35.

[{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, or rental property income

[{YHOU-9}]==1 || ([owns all/owns part/rent/owned by others] >=1 && [owns all/owns part/rent/owned by others] <=4) || [{YHOU-8}]==1 || [{YHOU-CH1}]==1 || [{YHOU-CH1}]==2 || [{YHOU-CH1}]==3 || [{YHOU-CH1}]==4

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] participated in an employer-sponsored plan that saves for retirement such as a 401K or 403B or 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?

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/you or your spouse/you or your partner] have?

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?

(IF SHOWCARDS ARE NOT BEING USED, ADD THE FIRST TIME AND LATER AS NECESSARY: I will read the categories in order. Please stop me when I reach the correct one.)

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?

(IF SHOWCARDS ARE NOT BEING USED, ADD THE FIRST TIME AND LATER AS NECESSARY: I will read the categories in order. Please stop me when I reach the correct one.)

Do [you/you and/or your spouse/you and/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/you and/or your spouse/you and/or your partner] have? (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?

(IF SHOWCARDS ARE NOT BEING USED, ADD THE FIRST TIME AND LATER AS NECESSARY: I will read the categories in order. Please stop me when I reach the correct one.)

Excluding retirement plan savings, do [you/you and/or your spouse/you and/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 you were to cash in all of the CD's, bonds and bills [you/you and/or your spouse/you and/or your partner] have, 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?

(IF SHOWCARDS ARE NOT BEING USED, ADD THE FIRST TIME AND LATER AS NECESSARY: I will read the categories in order. Please stop me when I reach the correct one.)

Do [you/you and/or your spouse/you and/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/you and/or your spouse/you and/or your partner] have, 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?

(IF SHOWCARDS ARE NOT BEING USED, ADD THE FIRST TIME AND LATER AS NECESSARY: I will read the categories in order. Please stop me when I reach the correct one.)

Many employers and unions offer pensions or retirement plans; some provide tax-deferred plans such as 401 K's, profit sharing or stock ownership plans. Do [you/you and/or your spouse/you and/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/you and/or your spouse/you and/or your partner] have in employer-sponsored plans that save for retirement?


(READ IF NECESSARY:) Tax-advantaged accounts such as IRA or Keogh plans or accounts for saving for educational expenses, such as Coverdell IRAs or 529 plans will be collected later.

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?

(IF SHOWCARDS ARE NOT BEING USED, ADD THE FIRST TIME AND LATER AS NECESSARY: I will read the categories in order. Please stop me when I reach the correct one.)

(Other than the accounts you have through your employer,) Do [you/you or your spouse/you or your partner] have any money in IRAs, Keoghs, variable annuities, 529 plans, or other tax-advantaged accounts?

Now, I'll read you a list of different types of tax-advantaged accounts. Please tell me which of these [you/you or your spouse/you or your partner] hold. Do [you/you or your spouse/you or your partner] hold Traditional IRA's, Roth IRA's, Coverdell or education IRA's, Keoghs, variable annuities, 529 plans or some other kind of tax-advantaged account?


(INTERVIEWER: PLEASE SELECT ALL THAT APPLY.)

FOR([{ACCOUNTTYPE}]=1;[{ACCOUNTTYPE}]<=9;[{ACCOUNTTYPE}]=[{ACCOUNTTYPE}]+1;
[YAST40-FA_8-LOOP-END])

INSELECTION([YAST40-FA_8A],[{ACCOUNTTYPE}])

COMMENT: R has a spouse or partner

Have [you/you or your spouse/you or your partner] withdrawn any money from this [Traditional IRA/Roth IRA/Coverdell IRAs or Education IRAs/Keogh Plans/Variable Annuities/529 Plans/] that you intend to pay back or redeposit?

What is the amount that [you/you or your spouse/you or your partner] intend to pay back on all withdrawals made on this [Traditional IRA/Roth IRA/Coverdell IRAs or Education IRAs/Keogh Plans/Variable Annuities/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?

(IF SHOWCARDS ARE NOT BEING USED, ADD THE FIRST TIME AND LATER AS NECESSARY: I will read the categories in order. Please stop me when I reach the correct one.)

[Today/If you or your spouse/partner were to pay back all of these withdrawals today] how much would be in this [Traditional IRA/Roth IRA/Coverdell IRAs or Education IRAs/Keogh Plans/Variable Annuities/529 Plans/]?

ENDFOR

Does anyone owe [you/you and/or your spouse/you and/or your partner] $1000 or more 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?

(READ IF NECESSARY:) 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?

(IF SHOWCARDS ARE NOT BEING USED, ADD THE FIRST TIME AND LATER AS NECESSARY: I will read the categories in order. Please stop me when I reach the correct one.)

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

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?

(IF SHOWCARDS ARE NOT BEING USED, ADD THE FIRST TIME AND LATER AS NECESSARY: I will read the categories in order. Please stop me when I reach the correct one.)

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?

(IF SHOWCARDS ARE NOT BEING USED, ADD THE FIRST TIME AND LATER AS NECESSARY: I will read the categories in order. Please stop me when I reach the correct one.)

Do [you/you and/or your spouse/you and/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/you and/or your spouse/you and/or your partner] currently own or in which [you/you and/or your spouse/you and/or your partner] are invested.

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

IF THERE ARE NO CORRECTIONS, CLICK ON <NEXT>.

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 "THE RED BUTTON" NEXT TO THE NAME OF THE PROGRAM.

IF THERE ARE NO DELETIONS, CLICK ON <NEXT>.

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

RECCOUNT ([{*BUSINESSES*}])

FOR([{BPP_LOOP}]=1; [{BPP_LOOP}]<=[{TOTBPP}]; [{BPP_LOOP}]=[{BPP_LOOP}]+1; [YAST40-4116A-LOOP-END])

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

If you sold all of [BUSINESSES.NAME([{BPP_LOOP}])] that [you/you and/or your spouse/you and/or your partner] own, 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?
READ IF NECESSARY: Please include only the part of the business currently owned by you or your spouse or cohabiting partner.

How much money would [you/you and/or your spouse/you and/or your partner] make?

(ENTER AMOUNT)

How much money would [you/you and/or your spouse/you and/or your partner] 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?

(IF SHOWCARDS ARE NOT BEING USED, ADD THE FIRST TIME AND LATER AS NECESSARY: I will read the categories in order. Please stop me when I reach the correct one.)

(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?

(IF SHOWCARDS ARE NOT BEING USED, ADD THE FIRST TIME AND LATER AS NECESSARY: I will read the categories in order. Please stop me when I reach the correct one.)

ENDFOR

Do [you/you and/or your spouse/you and/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/you and/or your spouse/you and/or your partner] own 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?

(IF SHOWCARDS ARE NOT BEING USED, ADD THE FIRST TIME AND LATER AS NECESSARY: I will read the categories in order. Please stop me when I reach the correct one.)

(REFER TO SHOWCARD BBB)

What is your best estimate of how much money [you/you and/or your spouse/you and/or your partner] would get if you sold all of your personal household furnishings such as furniture, major appliances, and home electronics?

(IF SHOWCARDS ARE NOT BEING USED, ADD: I will read the categories in order. Please stop me when I reach the correct one.)

Do [you/you and/or your spouse/you and/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/you and/or your spouse/you and/or your partner] own 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?

(IF SHOWCARDS ARE NOT BEING USED, ADD THE FIRST TIME AND LATER AS NECESSARY: I will read the categories in order. Please stop me when I reach the correct one.)

Now I would like to ask you a few questions about any debts [you/you or your spouse/you or your partner] 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?

(IF SHOWCARDS ARE NOT BEING USED, ADD THE FIRST TIME AND LATER AS NECESSARY: I will read the categories in order. Please stop me when I reach the correct one.)

[{PREV_GOVLOAN}]==1

COMMENT: R reported government subsidized or private college loans 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?

(IF SHOWCARDS ARE NOT BEING USED, ADD THE FIRST TIME AND LATER AS NECESSARY: I will read the categories in order. Please stop me when I reach the correct one.)

[{KEY_MARSTAT}]==1 || [{YOUTH_PARTNER}]==1

COMMENT: R is currently married or has a partner

Is your [spouse/partner] still paying off any educational loans from family/friends or government sources?

What is the total amount that your [spouse/partner] owes altogether for educational loans given by family/friends and from government-subsidized or other types of loans to attend school or college?

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?

(IF SHOWCARDS ARE NOT BEING USED, ADD THE FIRST TIME AND LATER AS NECESSARY: I will read the categories in order. Please stop me when I reach the correct one.)

Do you owe any relatives $1000 or more not counting any money someone loaned [you/you or your spouse/you or your partner] for education expenses or for the purchase or remodeling of your home?

Altogether, 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 S)

[[Please look at this card]]

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

(IF SHOWCARDS ARE NOT BEING USED, ADD THE FIRST TIME AND LATER AS NECESSARY: I will read the categories in order. Please stop me when I reach the correct one.)

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?

Thinking of your most recent credit card statements, did you or will you pay off all your balances in full?

Again, thinking of your most recent credit card bills, roughly what is the total balance you carried over or will carry over across all of these accounts after [you/you and/or your spouse/you and/or your partner] have made your planned payments on these credit cards?

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?

(IF SHOWCARDS ARE NOT BEING USED, ADD THE FIRST TIME AND LATER AS NECESSARY: I will read the categories in order. Please stop me when I reach the correct one.)

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?

(IF SHOWCARDS ARE NOT BEING USED, ADD THE FIRST TIME AND LATER AS NECESSARY: I will read the categories in order. Please stop me when I reach the correct one.)

(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?

(IF SHOWCARDS ARE NOT BEING USED, ADD THE FIRST TIME AND LATER AS NECESSARY: I will read the categories in order. Please stop me when I reach the correct one.)

[{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 when you got married or started living together, including savings and investments, 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 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?

(IF SHOWCARDS ARE NOT BEING USED, ADD THE FIRST TIME AND LATER AS NECESSARY: I will read the categories in order. Please stop me when I reach the correct one.)

We understand that some couples have savings, investments, and businesses that are owned by only one person in the couple and that other couples own most assets jointly. Does your [spouse/partner] have any savings, investments, businesses, 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, businesses 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?

(IF SHOWCARDS ARE NOT BEING USED, ADD THE FIRST TIME AND LATER AS NECESSARY: I will read the categories in order. Please stop me when I reach the correct one.)

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/you or your spouse/you or your partner] 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?

During the last year, were all your loan or mortgage payments made as scheduled, or were they sometimes missed or late?

Were [you/you or your spouse/you or your partner] 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...