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[null,null,"Children, young people (CYP) and parents Outcome Framework"]
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[null,null,"Welcome to the Children, young people and parents Outcome Framework tool"]
[null,null,"Select the appropriate area below"]
[null,null,"Add more blurb here if required…………"]

{"sheet":"Guidance","index":1,"n_rows":0,"n_cols":0,"rows_kept":0,"cut":false,"hidden":false,"merged":[[15,1,15,10]]}

{"sheet":"Source reference list","index":2,"n_rows":2,"n_cols":3,"rows_kept":2,"cut":false,"hidden":false,"merged":[]}
[null,"Question sources"]
[null,"Abbreviation","Survey and documentation"]

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[null,null,"Children, young people (CYP) and parents Outcome Framework"]
[null,null,"How to use this tool:"]
[null,null,"Select the appropriate area below"]

{"sheet":"Picture Questions","index":4,"n_rows":64,"n_cols":15,"rows_kept":64,"cut":false,"hidden":false,"merged":[]}
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[null,"Children, young people and parents Outcome Framework"]
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[null,"Picture Questions (Select Name to see the question, click boxes to select Picture Questions to print)"]
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[false,"1.","Warm up Questions (3-5yrs & 5-7yrs)",null,null,null,false,"12.","PQ11",null,null,null,false,"23.","PQ22"]
[false,"2.","PQ1",null,null,null,false,"13.","PQ12",null,null,null,false,"24.","PQ23"]
[false,"3.","PQ2",null,null,null,false,"14.","PQ13",null,null,null,false,"25.","BSQ"]
[false,"4.","PQ3",null,null,null,false,"15.","PQ14",null,null,null,false,"26.","PSQ"]
[false,"5.","PQ4",null,null,null,false,"16.","PQ15",null,null,null,false,"27.","SQ1"]
[false,"6.","PQ5",null,null,null,false,"17.","PQ16",null,null,null,false,"28.","CQ1"]
[false,"7.","PQ6",null,null,null,false,"18.","PQ17",null,null,null,false,"29.","CQ2"]
[false,"8.","PQ7",null,null,null,false,"19.","PQ18",null,null,null,false,"30.","CQ3"]
[false,"9.","PQ8",null,null,null,false,"20.","PQ19",null,null,null,false,"31.","CQ4"]
[false,"10.","PQ9",null,null,null,false,"21.","PQ20",null,null,null,false,"32.","CQ5"]
[false,"11.","PQ10",null,null,null,false,"22.","PQ21",null,null,null,false,"33.","CQ6"]
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[null,null,null,{"$f":"IF(A16=TRUE,E32,F32)","v":"Null"},"PQ0","Null"]
[null,null,null,"Null","PQ1","Null"]
[null,null,null,"Null","PQ2","Null"]
[null,null,null,"Null","PQ3","Null"]
[null,null,null,"Null","PQ4","Null"]
[null,null,null,"Null","PQ5","Null"]
[null,null,null,"Null","PQ6","Null"]
[null,null,null,"Null","PQ7","Null"]
[null,null,null,"Null","PQ8","Null"]
[null,null,null,"Null","PQ9","Null"]
[null,null,null,"Null","PQ10","Null"]
[null,null,null,{"$f":"IF(G16=TRUE,E43,F43)","v":"Null"},"PQ11","Null"]
[null,null,null,"Null","PQ12","Null"]
[null,null,null,"Null","PQ13","Null"]
[null,null,null,"Null","PQ14","Null"]
[null,null,null,"Null","PQ15","Null"]
[null,null,null,"Null","PQ16","Null"]
[null,null,null,"Null","PQ17","Null"]
[null,null,null,"Null","PQ18","Null"]
[null,null,null,"Null","PQ19","Null"]
[null,null,null,"Null","PQ20","Null"]
[null,null,null,"Null","PQ21","Null"]
[null,null,null,{"$f":"IF(M16=TRUE,E54,F54)","v":"Null"},"PQ22","Null"]
[null,null,null,"Null","PQ23","Null"]
[null,null,null,"Null","BSQ","Null"]
[null,null,null,"Null","PSQ","Null"]
[null,null,null,"Null","SQ1","Null"]
[null,null,null,"Null","CQ1","Null"]
[null,null,null,"Null","CQ2","Null"]
[null,null,null,"Null","CQ3","Null"]
[null,null,null,"Null","CQ4","Null"]
[null,null,null,"Null","CQ5","Null"]
[null,null,null,"Null","CQ6","Null"]

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["In","Inc.","Sheet","QNo.","Area","Top Tier Outcome","Lower level outcomes","Indicator","Final framework question","CYP Fincap","Picture Question","Notes for users",null,null,null,"Question","Section","Higher level outcome","Lower level outcome","Indicator","Final framework question","CYP Question","Picture Question","Notes for users"]
[true,{"$f":"IF(A3=TRUE,\"In\",\"Out\")","v":"In"},"3-5 yrs",1,"Connection",0,"CYP have their own regular source of money","Children receive pocket money regularly","Parent proxy\n\nIn which of the following ways does this child get money of their own?\nPlease tick all that apply\n\nRegular pocket money\nIn return for good behaviour or helping out at home / chores\nNow and again on special days out or holidays\nBirthdays / Christmas / Other celebrations\nWhen they see Grandparents or other close family friends / relatives\nIrregularly or when we have some money to spare\nNone - My child doen't have any money of their own\nOther (plesae state)\nDon't know\n\nIF 'Regular pocket money' is ticked:\n\nDo you give a regular set amount of pocket money to your child or does the amount vary?\n1. A regular set amount\n2. It varies\n[3  Don’t know]\n\nHow much pocket money do you usually give your child?\nOPEN: £____________ per week/ month","Y","N","This question should be asked first.",null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D1))),\"\")","v":1},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D1))),\"\")","v":"3-5 yrs"},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D1))),\"\")","v":0},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F1))),\"\")","v":"CYP have their own regular source of money"},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G1))),\"\")","v":"Children receive pocket money regularly"},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H1))),\"\")","v":"Parent proxy\n\nIn which of the following ways does this child get money of their own?\nPlease tick all that apply\n\nRegular pocket money\nIn return for good behaviour or helping out at home / chores\nNow and again on special days out or holidays\nBirthdays / Christmas / Other celebrations\nWhen they see Grandparents or other close family friends / relatives\nIrregularly or when we have some money to spare\nNone - My child doen't have any money of their own\nOther (plesae state)\nDon't know\n\nIF 'Regular pocket money' is ticked:\n\nDo you give a regular set amount of pocket money to your child or does the amount vary?\n1. A regular set amount\n2. It varies\n[3  Don’t know]\n\nHow much pocket money do you usually give your child?\nOPEN: £____________ per week/ month"},{"$f":"IFERROR(INDEX(J$3:J$622,SMALL(IF(B$3:B$622=\"In\",ROW(J$2:J$621)-ROW(I$2)+1),ROW(I1))),\"\")","v":"Y"},{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I1))),\"\")","v":"N"},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I1))),\"\")","v":"This question should be asked first."}]
[false,{"$f":"IF(A4=TRUE,\"In\",\"Out\")","v":"Out"},"3-5 yrs",2,"Behaviour","Managing your money well day-to-day",0,"Children keep their money in a safe place eg. a piggy bank, money box or purse/wallet","Parent proxy\n\nDoes your child always keep their spending money somewhere safe (for example a money box or purse) or do they sometimes leave it lying around?\n1. They always keep their money somewhere safe\n2. They sometimes leave it lying around\n3. Not applicable- Child does not have own money\n[4. Don't know]\n\n",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D2))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D2))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D2))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F2))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G2))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H2))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I2))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I2))),\"\")","v":""}]
[false,"Out","3-5 yrs",3,"Behaviour","Managing your money well day-to-day",0,"Children make age appropriate choices about how to spend their money","Parent proxy\n\nHow often does your child plan what they want to buy in advance?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n[5. Don't know]\n[6. Not applicable- child does not have own money]\n\n\n\nHow often does your child make impulse purchases?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n[5. Don't know]\n[6. Not applicable- child does not have own money]",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D3))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D3))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D3))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F3))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G3))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H3))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I3))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I3))),\"\")","v":""}]
[false,"Out","3-5 yrs",4,"Connection","Access to and use of financial products","CYP receive advice and guidance about money as well as wider life goals","Children receive money advice and guidance from their parents and other family members","Parent proxy\n\nHow often do you give your child advice and guidance about money?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n[5. Don’t know]\n\n\nHow often does your child receive advice and guidance about money from  other family members?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n[5. Don’t know]",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D4))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D4))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D4))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F4))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G4))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H4))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I4))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I4))),\"\")","v":""}]
[false,"Out","3-5 yrs",5,"Connection","Access to and use of financial products","CYP receive advice and guidance about money as well as wider life goals",0,"Interviewer administered:\n\nPQ11: Do your parents talk to you about what you spend your money on? \n\nYes\nNo","Y","Y - PQ11",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D5))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D5))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D5))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F5))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G5))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H5))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I5))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I5))),\"\")","v":""}]
[false,"Out","3-5 yrs",6,"Connection","Exposure to family finances","CYP witness financial transactions and processes","Children regularly see money in various forms being used to pay for things in shops","Parent proxy\n\nHow often do you do the following in front of your child?\n(GRID: Answer options:  Often, Sometimes, Rarely, Never , Don't Know)   \nPay for things using cash       \nPay for things using a debit or credit card      \nPay for things online                                         \nChecked the balance of a bank account                            \nUsed online banking to check a bank account                 \nChecked the balance on a credit card    \nUsed a cash machine to withdraw money                           \n    ",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D6))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D6))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D6))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F6))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G6))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H6))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I6))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I6))),\"\")","v":""}]
[false,"Out","3-5 yrs",7,"Connection","Exposure to family finances","CYP are involved in discussions and decisions about household spending","Children hear everyday household spending decisions are being taken (eg. about the weekly shop)","Parent proxy\n\nHow often does your child hear about basic family spending decisions, for example what you buy in a weekly shop?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n[5. Don’t know]",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D7))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D7))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D7))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F7))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G7))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H7))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I7))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I7))),\"\")","v":""}]
[false,"Out","3-5 yrs",8,"Connection","Experience of managing your own money (and the risks that come with it)","CYP have their own regular source of money","Children receive pocket money regularly","Parent proxy\n\nIn which of the following ways does this child get money of their own?\nPlease tick all that apply\n\nRegular pocket money\nIn return for good behaviour or helping out at home / chores\nParent proxy\n\nNow and again on special days out or holidays\nBirthdays / Christmas / Other celebrations\nWhen they see Grandparents or other close family friends / relatives\nIrregularly or when we have some money to spare\nNone - My child doen't have any money of their own\nOther (plesae state)\nDon't know\n\nIF 'Regular pocket money' is ticked:\n\nDo you give a regular set amount of pocket money to your child or does the amount vary?\n1. A regular set amount\n2. It varies\n[3  Don’t know]\n\nHow much pocket money do you usually give your child?\nOPEN: £____________ per week/ month","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D8))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D8))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D8))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F8))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G8))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H8))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I8))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I8))),\"\")","v":""}]
[false,"Out","3-5 yrs",9,"Connection","Experience of managing your own money (and the risks that come with it)","CYP have experience of paying for goods and activities","Children understand when things are being paid for in shops","Parent proxy\n\nDoes your child understand that you have to pay for things you want to buy in a shop?\n1. Yes\n2. No\n3. Don’t know\n\nDoes your child know that you are handing over money for things you want to buy when paying in a shop?\n1. Yes\n2. No\n3. Don’t know",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D9))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D9))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D9))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F9))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G9))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H9))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I9))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I9))),\"\")","v":""}]
[false,"Out","3-5 yrs",10,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP accept that they cannot have everything they want and that everyone has to make trade-offs with their money","Children understand that people have to make choices about what they buy ","Parent proxy\n\nDo you think that your child understands that money is limited and people need to choose what they buy rather than buying everything they want?\n1. Yes, all the time\n2. Yes, sometimes\n3. No\n4. Don’t know\n\n",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D10))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D10))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D10))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F10))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G10))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H10))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I10))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I10))),\"\")","v":""}]
[false,"Out","3-5 yrs",11,"Mindset","Attitudes to money management (including spending, saving and borrowing)",0,0,"Interviewer administered:\n\nPQ18: Imagine you have £5 to spend. You see a toy you really want but you don't have enough money for it. What do you do?\n\nBuy something else\nAsk your mum or dad to buy it for you\nSave up your money to buy it later",null,"Y - PQ18",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D11))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D11))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D11))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F11))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G11))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H11))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I11))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I11))),\"\")","v":""}]
[false,"Out","3-5 yrs",12,"Mindset","Money and values","CYP do not value themselves or others by their material possessions","Children do not think that their possessions are the most important thing about them","Parent proxy\n\nHow often does your child ask you to buy things because their friends have them?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n5. Don’t know\n\n",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D12))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D12))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D12))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F12))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G12))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H12))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I12))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I12))),\"\")","v":""}]
[false,"Out","3-5 yrs",13,"Mindset","Money and values",0,0,"Parent proxy\n\nHave  you ever talked to your child about how they shouldn’t buy things just to fit in with friends?\n1. Yes\n2. No",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D13))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D13))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D13))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F13))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G13))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H13))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I13))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I13))),\"\")","v":""}]
[false,"Out","3-5 yrs",14,"Mindset","Money and values",0,0,"Interviewer administered:\n\nPQ16: Click/draw a circle around your answer.\n\nDo you ask your mum or dad for things your friends have?\n\nAll the time\nSometimes\nNever","Y","Y - PQ16",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D14))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D14))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D14))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F14))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G14))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H14))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I14))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I14))),\"\")","v":""}]
[false,"Out","3-5 yrs",15,"Mindset","General mindset","CYP have self-esteem",0,"Measures not appropriate for children this age",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D15))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D15))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D15))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F15))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G15))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H15))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I15))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I15))),\"\")","v":""}]
[false,"Out","3-5 yrs",16,"Mindset","General mindset","CYP display self-control/self-regulation","Children show appropriate behaviour","Parent proxy - Please say how true or untrue the following statements are of your child:\n{Child} Frequently fights with others \n• Very true of my child / Mostly true of my child / Somewhat true of my child / Not very true of my child \n• Not at all true of my child\n\n{Child} Is irritable or quick to get angry\n• Very true of my child / Mostly true of my child / Somewhat true of my child / Not very true of my child / Not at all true of my child\n\n{Child} Sometimes takes/steals things from others\n• Very true of my child / Mostly true of my child / Somewhat true of my child / Not very true of my child / Not at all true of my child\n\n{Child} Is often disobedient\n• Very true of my child / Mostly true of my child / Somewhat true of my child / Not very true of my child / Not at all true of my child\n\n{Child} Often tells lies\n• Very true of my child / Mostly true of my child / Somewhat true of my child / Not very true of my child / Not at all true of my child","Y (Second Q; Fourth Q)","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D16))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D16))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D16))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F16))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G16))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H16))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I16))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I16))),\"\")","v":""}]
[false,"Out","3-5 yrs",17,"Mindset","General mindset",0,0,"Interviewer administered:\n\nPQ8:My friend is playing with a toy and I want to play with it. What should I do? Take it off them / Ask if I can have a turn / Find something else to play with      \n","Y","Y - PQ8",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D17))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D17))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D17))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F17))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G17))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H17))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I17))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I17))),\"\")","v":""}]
[false,"Out","3-5 yrs",18,"Mindset","General mindset",0,0,"\nInterviewer administered:\n\nPQ19: I have a large jar of sweets but it is nearly dinner time. What should I do? Eat them all now / Eat some now and same some for another day",null,"Y - PQ19",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D18))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D18))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D18))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F18))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G18))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H18))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I18))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I18))),\"\")","v":""}]
[false,"Out","3-5 yrs",19,"Mindset","General mindset","CYP have self-efficacy",0,"Measures not appropriate for children this age",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D19))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D19))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D19))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F19))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G19))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H19))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I19))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I19))),\"\")","v":""}]
[false,"Out","3-5 yrs",20,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Children know that there are different coins, and can describe and name them","Parent proxy\n\nCan your child put coins in order of their value?\n1. Yes\n2. No\n3. Don’t know\n\nCan your child put banknotes in order of their value?\n1. Yes\n2. No\n3. Don’t know",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D20))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D20))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D20))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F20))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G20))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H20))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I20))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I20))),\"\")","v":""}]
[false,"Out","3-5 yrs",21,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Children are beginning to understand that different coins and notes have different values","Parent proxy\n\nDoes your child understand that different coins and notes have different monetary values?\n1. Yes\n2. No\n3. Don’t know\n",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D21))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D21))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D21))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F21))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G21))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H21))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I21))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I21))),\"\")","v":""}]
[false,"Out","3-5 yrs",22,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language",0,"Interviewer administered:\n\nPQ1: Click/draw a circle around your answer.\n\nWhich one of these is worth the most?\n\nPQ2:  Click/draw a circle around your answer.\n\nWhich one of these is worth the least","Y","Y - PQ1 & PQ2",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D22))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D22))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D22))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F22))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G22))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H22))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I22))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I22))),\"\")","v":""}]
[false,"Out","3-5 yrs",23,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language",0,"Interviewer administered:\n\nPQ4: Click/draw a circle around your answer.\n\nWhich one of these is worth the most?\n\nPQ5:  Click/draw a circle around your answer.\n\nWhich one of these is worth the least","Y","Y - PQ4 & PQ5",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D23))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D23))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D23))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F23))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G23))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H23))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I23))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I23))),\"\")","v":""}]
[false,"Out","3-5 yrs",24,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Children are aware of and can explain basic financial language eg. spend, save, change","Parent proxy\n\n\nA: Is your child familiar with these simple financial terms? Please tick all that apply\n1. Save\n2. Spend\n3. Change\n4. Not sure\n\n[for each ticked at A]\nB: Has your child ever used these simple financial terms?\n1. Save\n2. Spend\n3. Change\n4. Not sure",null,"N","Given the young age group, the story card exercise would need to be interviewer administered.\n\nParent proxy version could be used across a range of interview modes. With an online instrument, any not ticked at A could be filtered out at B.",null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D24))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D24))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D24))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F24))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G24))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H24))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I24))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I24))),\"\")","v":""}]
[false,"Out","3-5 yrs",25,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language",0,"Interviewer administered:\n\nSQ1: Please can you tell me what is happening in these pictures?\n\nCoding list\n\nSave: keep, put away, look after\nSpend: use, give, pay for, buy\nChange: money back, left over",null,"Y - SQ1","Given the young age group, the story card exercise would need to be interviewer administered.\n\nParent proxy version could be used across a range of interview modes. With an online instrument, any not ticked at A could be filtered out at B.",null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D25))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D25))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D25))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F25))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G25))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H25))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I25))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I25))),\"\")","v":""}]
[false,"Out","3-5 yrs",26,"Ability","Understanding money management","CYP understand the value of money","Children are beginning to understand that certain things they need and want cost money","Parent proxy\n\nDoes your child understand that everyday items such as toys, clothes and food cost money?\n1. Yes\n2. No\n3. Don’t know\n\nDoes your child understand that activities such as classes or trips out cost money?\n1. Yes\n2. No\n3. Don’t know \n\n\nDoes your child understand that different things cost different amounts?\n1. Yes\n2. No\n3. Don’t know ",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D26))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D26))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D26))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F26))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G26))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H26))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I26))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I26))),\"\")","v":""}]
[false,"Out","3-5 yrs",27,"Ability","Understanding money management","CYP understand the value of money","Children are beginning to understand that diffrerent things cost different amounts","Parent proxy\n\nDoes your child understand that different items or activities cost different amounts?\n1. Yes\n2. No\n3. Don’t know\n",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D27))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D27))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D27))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F27))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G27))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H27))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I27))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I27))),\"\")","v":""}]
[false,"Out","3-5 yrs",28,"Ability","Understanding money management","CYP understand the value of money",0,"Interviewer administered:\n\nCQ3; CQ4: Which of these do you think costs more?",null,"Y - CQ3 & CQ4","(users should use CQ3 at thebeginning of the programme and CQ4 at the end  or vice-versa to ensure child has not just learned to choose the left or right response)",null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D28))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D28))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D28))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F28))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G28))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H28))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I28))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I28))),\"\")","v":""}]
[false,"Out","3-5 yrs",29,"Ability","Understanding money management","CYP understand the value of money",0,"Interviewer administered:\n\nCQ5 CQ6: Which of these do you think costs more?",null,"Y - CQ5 & CQ6","(users should use CQ5 at thebeginning of the programme and CQ6 at the end  or vice-versa to ensure child has not just learned to choose the left or right response)",null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D29))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D29))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D29))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F29))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G29))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H29))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I29))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I29))),\"\")","v":""}]
[false,"Out","3-5 yrs",30,"Ability","Understanding money management","CYP understand the value of money","Children are aware that money is valuable and not a toy","Parent proxy\n\nDoes your child understand that money is not a toy?\n1. Yes\n2. No\n3. Don’t know ",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D30))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D30))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D30))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F30))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G30))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H30))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I30))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I30))),\"\")","v":""}]
[false,"Out","3-5 yrs",31,"Ability","Understanding money management","CYP understand the value of money","Children know how to keep money safe","Parent proxy\n\nDoes your child always keep their spending money somewhere safe (for example a money box or purse) or do they sometimes leave it lying around?\n1. They always keep their money somewhere safe\n2. They sometimes leave it lying around\n3. Not applicable- Child does not have own money\n[4. Don't know]",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D31))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D31))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D31))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F31))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G31))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H31))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I31))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I31))),\"\")","v":""}]
[false,"Out","3-5 yrs",32,"Ability","Understanding money management",0,0,"Interviewer administered:\n\nPQ13: Click/draw a circle answer (pick as many as you think).\n\nWhere are good places to keep your money? \nAround the house\nIn a piggy bank or money box\nIn the garden\nIn a purse or wallet","Y","Y - PQ13",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D32))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D32))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D32))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F32))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G32))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H32))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I32))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I32))),\"\")","v":""}]
[false,"Out","3-5 yrs",33,"Ability","Understanding money management","CYP can apply their numeracy skills to financial issues","Children can do very simple addition and subtraction in relation to money","Interviewer administered:\n\nPQ3:\n\nI want to buy this lollipop. It costs £1.50.\nWhich coins will I need to buy the lollipop?\n\nPlease click/draw a circle around the right coins \n","Y","Y - PQ3",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D33))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D33))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D33))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F33))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G33))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H33))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I33))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I33))),\"\")","v":""}]
[false,"Out","3-5 yrs",34,"Ability",0,0,0,"Interviewer administered:\n\nPQ20:\n\nThe lolly costs 21p. What coins you need to pay the exact money?\n\n\nPlease click/draw a circle around the right coins",null,"Y - PQ20",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D34))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D34))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D34))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F34))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G34))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H34))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I34))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I34))),\"\")","v":""}]
[false,"Out","3-5 yrs",35,"Ability","Basic skills","CYP have good literacy skills","Children perform at age appropriate levels in standardised literacy tests","Use standardised Maths/ English tests where available",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D35))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D35))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D35))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F35))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G35))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H35))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I35))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I35))),\"\")","v":""}]
[false,"Out","3-5 yrs",36,"Ability","Basic skills","CYP have good numeracy skills","Children perform at age appropriate levels in standardised numeracy tests","Use standardised Maths/ English tests where available",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D36))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D36))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D36))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F36))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G36))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H36))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I36))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I36))),\"\")","v":""}]
[false,"Out","3-5 yrs",37,"Ability","Basic skills","CYP have good problem solving skills","Children can identify and understand a problem","Use standardised Maths/ English tests where available",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D37))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D37))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D37))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F37))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G37))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H37))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I37))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I37))),\"\")","v":""}]
[false,"Out","3-5 yrs",38,"Ability","Basic skills",0,"Children can plan ways to solve a problem","Use standardised Maths/ English tests where available",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D38))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D38))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D38))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F38))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G38))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H38))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I38))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I38))),\"\")","v":""}]
[false,"Out","3-5 yrs",39,"Ability","Basic skills",0,"Children can monitor progress in tackling a problem","Use standardised Maths/ English tests where available",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D39))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D39))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D39))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F39))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G39))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H39))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I39))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I39))),\"\")","v":""}]
[false,"Out","3-5 yrs",40,"Ability","Basic skills",0,"Children can review solutions to problems and modify them if necessary","Use standardised Maths/ English tests where available",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D40))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D40))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D40))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F40))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G40))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H40))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I40))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I40))),\"\")","v":""}]
[null,"Out","3-5 yrs",41,"Ability","Other",0,0,0,null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D41))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D41))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D41))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F41))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G41))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H41))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I41))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I41))),\"\")","v":""}]
[false,"Out","5-7 yrs",42,"Financially capable behaviour",0,"CYP have their own regular source of money","Children receive pocket money regularly","Parent proxy\n\nIn which of the following ways does this child get money of their own?\nPlease tick all that apply\n\nRegular pocket money\nIn return for good behaviour or helping out at home / chores\nNow and again on special days out or holidays\nBirthdays / Christmas / Other celebrations\nWhen they see Grandparents or other close family friends / relatives\nIrregularly or when we have some money to spare\nNone - My child doen't have any money of their own\nOther (plesae state)\nDon't know\n\nIF 'Regular pocket money' is ticked:\n\nDo you give a regular set amount of pocket money to your child or does the amount vary?\n1. A regular set amount\n2. It varies\n[3  Don’t know]\n\nHow much pocket money do you usually give your child?\nOPEN: £____________ per week/ month","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D42))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D42))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D42))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F42))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G42))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H42))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I42))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I42))),\"\")","v":""}]
[false,"Out","5-7 yrs",43,"Financially capable behaviour","Managing your money well day-to-day",0,"Children keep their money in a safe place eg. a piggy bank, money box or purse/wallet (3-5)","Parent proxy\n\nDoes your child always keep their spending money somewhere safe (for example a money box or purse) or do they sometimes leave it lying around?\n1. They always keep their money somewhere safe\n2. They sometimes leave it lying around\n3. Not applicable- Child does not have own money\n[4. Don't know]\n\n",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D43))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D43))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D43))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F43))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G43))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H43))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I43))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I43))),\"\")","v":""}]
[false,"Out","5-7 yrs",44,"Financially capable behaviour","Managing your money well day-to-day",0,"Children have money saved up","Interviewer administered:\n\nPQ9: Do you have any money saved up?\n\nYes\nNo",null,"Y-PQ9",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D44))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D44))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D44))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F44))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G44))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H44))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I44))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I44))),\"\")","v":""}]
[false,"Out","5-7 yrs",45,"Financially capable behaviour","Managing your money well day-to-day",0,"Children know roughly how much money they have (including savings)","Parent proxy\n\nDoes your child know roughly how much money they have, including in their savings?\n1. Yes\n2. No\n3. Don’t know",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D45))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D45))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D45))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F45))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G45))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H45))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I45))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I45))),\"\")","v":""}]
[false,"Out","5-7 yrs",46,"Financially capable behaviour","Managing your money well day-to-day",0,"Children make a simple plan for what they will spend their money on and are able to stick to it","Parent proxy\n\nHow often does your child plan what they want to buy in advance?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n[5. Don't know]\n[6. Not applicable- child does not have own money]\n\n{If yes} How often does your child stick to their plan?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n[5. Don't know]\n\nHow often does your child make impulse purchases?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n[5. Don't know]\n[6. Not applicable- child does not have own money]\n",null,"N","\n",null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D46))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D46))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D46))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F46))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G46))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H46))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I46))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I46))),\"\")","v":""}]
[false,"Out","5-7 yrs",47,"Financially capable behaviour","Managing your money well day-to-day",0,"Children make age appropriate choices about how to spend their money (3-5)","Parent proxy\n\nHow often does your child plan what they want to buy in advance?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n[5. Don't know]\n[6. Not applicable- child does not have own money]\n\n{If yes} How often does your child stick to their plan?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n[5. Don't know]\n\nHow often does your child make impulse purchases?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n[5. Don't know]\n[6. Not applicable- child does not have own money]\n\nWhat is the longest time your child saved  for because they wanted to buy a specific item?\n1. Less than a week\n2. More than a week but less than month\n3. A month or more\n\nDoes your child know that they will need to make choices about what to spend their money on, for example only being able to afford to buy one item instead of two?\n1. Yes\n2. No\n3. Don’t know \n",null,"N","Note: This area is assessed by combining scores from multiple indicators - do not duplicate questions if already including in your survey",null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D47))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D47))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D47))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F47))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G47))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H47))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I47))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I47))),\"\")","v":""}]
[false,"Out","5-7 yrs",48,"Financially capable behaviour","Managing your money well day-to-day",0,"Children check they have the right change when paying for things in shops","Parent proxy\n\nIs your child able to pay for something in a shop with cash?\n1. Yes\n2. No\n3. Don’t know\n\nDoes your child check they have been given the correct change when buying something in a shop?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n5. Don’t know  \n",null,"N","Understanding of change could also be assessed by giving  children simple sums  where they have to identify correct coins  . This can be implemented using toy coins or pictures of coins. \n\nFor example\n\nQuestion:\nThe lolly costs 15p. Jane gives the shop keeper 20p. What change should Jane get? ",null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D48))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D48))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D48))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F48))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G48))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H48))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I48))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I48))),\"\")","v":""}]
[false,"Out","5-7 yrs",49,"Financially capable behaviour","Managing your money well day-to-day",0,"Children save up for things they want to buy and can save for at least a month","Parent proxy\n\nIf your child wants something do they mostly tend to…\n1. Use their own money to buy it straight away or save up for it\n2. Ask you to buy the item for them\n3. My child doesn’t want things\n4. Don’t know\n\nHow often does your child save up their own money because they want to buy a specific item ?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n5. Don’t know  \n\nWhat is the longest time your child saved  for because they wanted to buy a specific item?\n1. Less than a week\n2. More than a week but less than month\n3. A month or more","Y (Second Q)","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D49))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D49))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D49))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F49))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G49))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H49))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I49))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I49))),\"\")","v":""}]
[false,"Out","5-7 yrs",50,"Financially capable behaviour","Managing your money well day-to-day",0,"Children talk about money with friends and family openly","Parent proxy\n\nDoes your child ever talk to you about money? For example, how much pocket money they get, how much they spend or whether they're saving up for something?\n1. Yes, a lot\n2. Yes, sometimes\n3. No",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D50))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D50))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D50))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F50))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G50))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H50))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I50))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I50))),\"\")","v":""}]
[false,"Out","5-7 yrs",51,"Financially capable behaviour","Managing your money well day-to-day",0,"Children talk about money with friends and family openly","Interviewer administered:\nA: Do you and your friends talk about money? For example, how much pocket money you get, how much money you spend or whether you’re saving up for something?\n1. Yes\n2. No\n3. Don't Know",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D51))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D51))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D51))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F51))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G51))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H51))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I51))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I51))),\"\")","v":""}]
[false,"Out","5-7 yrs",52,"Connection","Access to and use of financial products","CYP have access to their own financial products","Children have their own bank account account (at a bank, building society, credit union, etc.)","Parent proxy\n\nDoes your child have a current account, held in their own name?\n1. Yes\n2. No\n[3.Don't know]\n\nDoes child have a savings account or junior ISA, held in their own name?\n1. Yes\n2. No\n[3.Don't know]\n\n",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D52))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D52))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D52))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F52))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G52))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H52))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I52))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I52))),\"\")","v":""}]
[false,"Out","5-7 yrs",53,"Connection","Access to and use of financial products","CYP receive advice and guidance about money as well as wider life goals","Children receive money advice and guidance from their family, teachers and other appropriate sources around money (3-5)","Parent proxy\n\nHow often do you give your child advice and guidance about money?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n5. Don’t know\n\nHow often does your child receive advice and guidance about money from teachers?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n5. Don’t know\n\nHow often does your child receive advice and guidance about money from any other sources?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n5. Don’t know",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D53))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D53))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D53))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F53))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G53))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H53))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I53))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I53))),\"\")","v":""}]
[false,"Out","5-7 yrs",54,"Connection","Access to and use of financial products","CYP receive advice and guidance about money as well as wider life goals","Children receive money advice and guidance from their family, teachers and other appropriate sources around money (3-5)","Interviewer administered:\n\nPQ11: Do your parents talk to you about what you spend your money on? \n\nYes\nNo","Y","Y-PQ11",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D54))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D54))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D54))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F54))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G54))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H54))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I54))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I54))),\"\")","v":""}]
[false,"Out","5-7 yrs",55,"Connection","Exposure to family finances","CYP witness financial transactions and processes","Children regularly see money being used to pay for things in shops and online (3-5)","Parent proxy\n\nHow often do you do the following in front of your child?\n(GRID: Answer options:  Often, Sometimes, Rarely, Never , Don't Know)   \nPay for things using cash       \nPay for things using a debit or credit card      \nPay for things online                                         \nChecked the balance of a bank account                            \nUsed online banking to check a bank account                 \nChecked the balance on a credit card    \nUsed a cash machine to withdraw money                           \n    ",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D55))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D55))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D55))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F55))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G55))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H55))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I55))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I55))),\"\")","v":""}]
[false,"Out","5-7 yrs",56,"Connection","Exposure to family finances","CYP are involved in discussions and decisions about household spending","Children are involved when everyday household spending decisions are being taken (eg. about the weekly shop) and trade-offs are being made","Parent proxy\n\nHow often do you involve your child in household spending decisions, for example what you buy in a weekly shop?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n[5. Don’t know]",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D56))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D56))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D56))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F56))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G56))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H56))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I56))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I56))),\"\")","v":""}]
[false,"Out","5-7 yrs",57,"Connection","Experience of managing your own money (and the risks that come with it)","CYP have their own regular source of money","Children receive pocket money regularly","Parent proxy\n\nIn which of the following ways does this child get money of their own?\nPlease tick all that apply\n\nRegular pocket money\nIn return for good behaviour or helping out at home / chores\nNow and again on special days out or holidays\nBirthdays / Christmas / Other celebrations\nWhen they see Grandparents or other close family friends / relatives\nIrregularly or when we have some money to spare\nNone - My child doen't have any money of their own\nOther (plesae state)\nDon't know\n\nIF 'Regular pocket money' is ticked:\n\nDo you give a regular set amount of pocket money to your child or does the amount vary?\n1. A regular set amount\n2. It varies\n[3  Don’t know]\n\nHow much pocket money do you usually give your child?\nOPEN: £____________ per week/ month","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D57))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D57))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D57))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F57))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G57))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H57))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I57))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I57))),\"\")","v":""}]
[false,"Out","5-7 yrs",58,"Connection","Experience of managing your own money (and the risks that come with it)","CYP have responsibility for managing their own money","Children have a place to keep their money safe (e.g. a piggy bank or purse/wallet) and are allowed to look after it themselves","Parent proxy\n\nDoes your child have a safe place to keep their money, for example a piggy bank or savings account?\n1. Yes\n2. No\n3. Does not apply- child does not have own money\n",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D58))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D58))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D58))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F58))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G58))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H58))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I58))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I58))),\"\")","v":""}]
[false,"Out","5-7 yrs",59,"Connection","Experience of managing your own money (and the risks that come with it)","CYP have responsibility for managing their own money","Children make decisions about how to spend or save their money, supported by their parents","Parent proxy\n\nWho is mainly responsible for deciding how your child’s pocket money or allowance is spent?  \n1. I am\n2. Another family member or carer is\n3. My child is\n4. My child is not given any money\n[5. Don’t know]\n\n\nWho is mainly responsible for deciding when your child’s money should be saved for later?  \n2. Another family member or carer is\n3. My child is\n4. My child is not given any money\n[5. Don’t know]\n\n",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D59))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D59))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D59))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F59))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G59))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H59))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I59))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I59))),\"\")","v":""}]
[false,"Out","5-7 yrs",60,"Connection","Experience of managing your own money (and the risks that come with it)",0,0,"Parent proxy\n\nWho is mainly responsible for keeping your child’s money safe? \n1. I am\n2. Another family member or carer is\n3. My child is\n4. My child is not given any money\n[5. Don’t know]\n",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D60))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D60))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D60))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F60))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G60))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H60))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I60))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I60))),\"\")","v":""}]
[false,"Out","5-7 yrs",61,"Connection","Experience of managing your own money (and the risks that come with it)","CYP have experience of paying for goods and activities","Children have experience of choosing coins and notes to pay for things in shops and waiting for change","Parent proxy\n\nIs your child able to make a cash payment in a shop?\n1. Yes\n2. No\n3. Don’t know\n\nDoes your child know to wait for change after they have made a cash payment?\n1. Yes\n2. No\n3. Don’t know\n",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D61))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D61))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D61))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F61))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G61))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H61))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I61))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I61))),\"\")","v":""}]
[false,"Out","5-7 yrs",62,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP believe it's important to manage your money well and think carefully about how you spend it","Children believe it is important to think carefully about what they spend their money on","Parent proxy:\n\nDoes your child think it's important to think carefully before they spend their money?\n\nYes\nNo\nNot sure",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D62))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D62))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D62))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F62))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G62))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H62))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I62))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I62))),\"\")","v":""}]
[false,"Out","5-7 yrs",63,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP believe it's important to manage your money well and think carefully about how you spend it","Children believe it is important to think carefully about what they spend their money on","Interviewer administered:\n\nPQ12: Imagine it was your birthday yesterday and you got £5, what would you do with it?\n\nI would spend it all at once\nI would wait and think about what to spend the money on","Y","Y-PQ12",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D63))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D63))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D63))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F63))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G63))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H63))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I63))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I63))),\"\")","v":""}]
[false,"Out","5-7 yrs",64,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP think it's good to plan for the future and save up for things","Children think that saving money is a good thing to do","Interviewer administered:\n\nPQ10: Click/draw a circle around the one that is most like you.\n\nI like to save my money\nI like to spend my money straight away","Y","Y-PQ10",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D64))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D64))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D64))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F64))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G64))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H64))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I64))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I64))),\"\")","v":""}]
[false,"Out","5-7 yrs",65,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP think it's good to plan for the future and save up for things","Children think that saving money is a good thing to do","Interviewer administered:\n\nPQ21: Click/draw a circle around your answer.\n\nIt's a good thing to save your money\n\nYes\nNo",null,"Y-PQ21",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D65))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D65))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D65))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F65))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G65))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H65))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I65))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I65))),\"\")","v":""}]
[false,{"$f":"IF(A68=TRUE,\"In\",\"Out\")","v":"Out"},"5-7 yrs",66,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP accept that they cannot have everything they want and that everyone has to make trade-offs with their money","Children don't continue to ask for things after they've been told they can't have them or will have to wait for them","Parent proxy\n\nHow often does your child pester you to buy things because they have spent all their own money?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n5. Don’t know\n\n",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D66))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D66))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D66))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F66))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G66))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H66))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I66))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I66))),\"\")","v":""}]
[false,{"$f":"IF(A69=TRUE,\"In\",\"Out\")","v":"Out"},"5-7 yrs",67,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP accept that they cannot have everything they want and that everyone has to make trade-offs with their money","Children understand that people have to make choices about what they buy ","Parent proxy\n\nDo you think that your child understands that money is limited and that they can’t have everything they want?\n1. Yes, all the time\n2. Yes, sometimes\n3. No\n4. Don’t know\n\n",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D67))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D67))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D67))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F67))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G67))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H67))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I67))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I67))),\"\")","v":""}]
[false,{"$f":"IF(A70=TRUE,\"In\",\"Out\")","v":"Out"},"5-7 yrs",68,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP accept that they cannot have everything they want and that everyone has to make trade-offs with their money","Children understand that people have to make choices about what they buy ","Interviewer administered:\n\nPQ18: Imagine you have £5 to spend. You see a toy you really want but you don't have enough money for it. What do you do?\n\nBuy something else\nAsk your mum or dad to buy it for you\nSave up your money to buy it later",null,"Y - PQ18",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D68))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D68))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D68))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F68))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G68))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H68))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I68))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I68))),\"\")","v":""}]
[false,"Out","5-7 yrs",69,"Mindset","Money and values","CYP do not value themselves or others by their material possessions","Children do not think that their possessions are the most important thing about them","Parent proxy\n\nHow often does your child ask you to buy things because their friends have them?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n5. Don’t know",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D69))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D69))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D69))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F69))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G69))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H69))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I69))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I69))),\"\")","v":""}]
[false,"Out","5-7 yrs",70,"Mindset","Money and values","CYP do not value themselves or others by their material possessions","Children do not think that their possessions are the most important thing about them","Parent proxy\n\nHave  you ever talked to your child about how they shouldn’t buy things just to fit in with friends?\n1. Yes\n2. No",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D70))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D70))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D70))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F70))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G70))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H70))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I70))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I70))),\"\")","v":""}]
[false,"Out","5-7 yrs",71,"Mindset","Money and values","CYP do not value themselves or others by their material possessions","Children do not think that their possessions are the most important thing about them","Interviewer administered:\n\nPQ16: Click/draw a circle around your answer.\n\nDo you ask your mum or dad for things your friends have?\n\nAll the time\nSometimes\nNever","Y","Y-PQ16",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D71))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D71))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D71))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F71))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G71))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H71))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I71))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I71))),\"\")","v":""}]
[false,"Out","5-7 yrs",72,"Mindset","Money and values","CYP have a positive/healthy emotional relationship with money","Children do not think that their possessions are the most important thing about them","outcome added from adult fw, but as per adult fw further research is needed to understand what this is and what a suitable indicator & question would be",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D72))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D72))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D72))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F72))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G72))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H72))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I72))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I72))),\"\")","v":""}]
[false,"Out","5-7 yrs",73,"Mindset","Money and values","CYP feel comfortable talking openly about money with friends and family","Children feel comfortable talking openly about money with friends and family","Parent proxy\n\nDoes your child ever talk to you about money? For example, how much pocket money they get, how much they spend or whether they're saving up for something?\n1. Yes, a lot\n2. Yes, sometimes\n3. No",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D73))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D73))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D73))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F73))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G73))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H73))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I73))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I73))),\"\")","v":""}]
[false,"Out","5-7 yrs",74,"Mindset","Money and values","CYP feel comfortable talking openly about money with friends and family","Children feel comfortable talking openly about money with friends and family","Interviewer administered:\nA: Do you and your friends talk about money? For example, how much pocket money you get, how much money you spend or whether you’re saving up for something?\n1. Yes\n2. No\n3. Don't Know",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D74))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D74))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D74))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F74))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G74))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H74))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I74))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I74))),\"\")","v":""}]
[false,"Out","5-7 yrs",75,"Mindset","Aspirations and goals","CYP aspire to be good at managing their money","Children want to be good at managing their money","Interviewer administered:\n\nChloe gets £5 pocket money every week.  Chloe always spends £2 and puts £3 into her savings account.  Do you think Chloe sounds… [pick the one you think describes Chloe best]\na) Fun?\nb) Boring?\nc) Silly?\nd) Sensible?\ne) Stingy?\n\n\nChloe’s sister Daisy also gets £5 pocket money every week.  Daisy always spends all her pocket money and never saves any.  Do you think Daisy sounds… [pick the one you think describes Daisy best]\na) Fun?\nb) Boring?\nc) Silly?\nd) Sensible?\ne) Stingy?\n\n\nWhen it comes to spending and saving, are you more like Chloe or Daisy?\na) Chloe\nb) Daisy",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D75))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D75))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D75))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F75))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G75))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H75))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I75))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I75))),\"\")","v":""}]
[false,"Out","5-7 yrs",76,"Mindset","Aspirations and goals","CYP have financial goals","Children have a plan for saving up a certain amount of money so that they can pay for something that they want themselves (they have a savings goal)","Parent proxy\n\nHow often does your child save up their money to buy a specific item?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n[5. Don't know]\n\n",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D76))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D76))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D76))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F76))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G76))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H76))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I76))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I76))),\"\")","v":""}]
[false,"Out","5-7 yrs",77,"Mindset","General mindset","CYP have self-esteem","Children have a sense of their own value or worth","Parent proxy\n\nHow often does your child seem pleased or proud of themselves?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n[5. Don’t know]\n\nWhen around others does your child appear confident?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n[5. Don’t know]\n\n",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D77))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D77))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D77))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F77))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G77))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H77))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I77))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I77))),\"\")","v":""}]
[false,"Out","5-7 yrs",78,"Mindset","General mindset","CYP have self-esteem","Children have a sense of their own value or worth","Interviewer administered:\n\nDo you think that your parents usually like to hear about your ideas? (Yes/No/Don't know)\n\nWhen you have to say things in front of teachers, do you usually feel shy? (Yes/No/Don't know)\n\nAre there lots of things about yourself you would like to change? (Yes/No/Don't know)","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D78))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D78))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D78))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F78))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G78))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H78))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I78))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I78))),\"\")","v":""}]
[false,"Out","5-7 yrs",79,"Mindset","General mindset","CYP display self-control/self-regulation","Children show appropriate behaviour","\nParent proxy\n\nPlease say how true or untrue the following statements are of your child:\n{Child} Frequently fights with others \n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Is irritable or quick to get angry\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Sometimes takes/steals things from others\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Is often disobedient\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Often tells lies\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D79))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D79))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D79))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F79))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G79))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H79))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I79))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I79))),\"\")","v":""}]
[false,"Out","5-7 yrs",80,"Mindset","General mindset","CYP display self-control/self-regulation","Children show appropriate behaviour","Interviewer administered:\n\nPQ8:My friend is playing with a toy and I want to play with it. What should I do? Take it off them / Ask if I can have a turn / Find something else to play with      ","Y","Y-PQ8",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D80))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D80))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D80))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F80))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G80))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H80))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I80))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I80))),\"\")","v":""}]
[null,"Out","5-7 yrs",81,"Mindset","General mindset","CYP have self-efficacy",0,"Measures not appropriate for children this age",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D81))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D81))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D81))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F81))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G81))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H81))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I81))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I81))),\"\")","v":""}]
[false,"Out","5-7 yrs",82,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Children know the value of coins and notes and can put them in order of value","Parent proxy\n\nCan your child put coins in order of their value?\n1. Yes\n2. No\n3. Don’t know\n\nCan your child put banknotes in order of their value?\n1. Yes\n2. No\n3. Don’t know",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D82))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D82))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D82))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F82))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G82))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H82))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I82))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I82))),\"\")","v":""}]
[false,"Out","5-7 yrs",83,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Children know the value of coins and notes and can put them in order of value","Interviewer administered:\n\nPQ1: Click/draw a circle around your answer.\n\nWhich one of these is worth the most?\n\nPQ2:  Click/draw a circle around your answer.\n\nWhich one of these is worth the least","Y","Y-PQ1 & PQ2",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D83))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D83))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D83))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F83))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G83))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H83))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I83))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I83))),\"\")","v":""}]
[false,"Out","5-7 yrs",84,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Children know the value of coins and notes and can put them in order of value","Interviewer administered:\n\nPQ4: Click/draw a circle around your answer.\n\nWhich one of these is worth the most?\n\nPQ5:  Click/draw a circle around your answer.\n\nWhich one of these is worth the least","Y","Y-PQ4 & PQ5",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D84))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D84))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D84))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F84))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G84))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H84))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I84))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I84))),\"\")","v":""}]
[false,"Out","5-7 yrs",85,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Children know the value of coins and notes and can put them in order of value","Interviewer administered:\n\nPQ22: Click/draw a circle around your answer.\n\nCan you put these in the right order? Put a 1 next to the coin you think is worth the least, a 2 next to the coin you think is worth second to least and so on.",null,"Y-PQ22",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D85))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D85))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D85))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F85))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G85))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H85))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I85))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I85))),\"\")","v":""}]
[false,"Out","5-7 yrs",86,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Children can identify different combinations of coins and notes that make the same amount of money, and can select the right coins and notes when paying for things in shops","Interviewer administered:\n\nPQ3:\nI want to buy this lollipop. It costs £1.50.\nWhich coins will I need to buy the lollipop?\n\nPlease click/draw a circle around the right coins ","Y","Y-PQ3","Please note multiple examples should be used. Questions used should vary so child does not learn correct response to a set question.\n",null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D86))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D86))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D86))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F86))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G86))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H86))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I86))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I86))),\"\")","v":""}]
[false,"Out","5-7 yrs",87,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Children can identify different combinations of coins and notes that make the same amount of money, and can select the right coins and notes when paying for things in shops","Interviewer administered:\n\nPQ20:\nThe lolly costs 21p. What coins you need to pay the exact money?\n\nPlease click/draw a circle around the right coins",null,"Y-PQ20",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D87))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D87))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D87))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F87))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G87))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H87))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I87))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I87))),\"\")","v":""}]
[false,"Out","5-7 yrs",88,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Children are aware of and can explain basic financial language e.g. spend, save, change (3-5)","Parent proxy\n\nDoes your child understand the following words and can use them appropriately in conversation?\n(1. Yes 2. No 3. Don't know) \nSpend\nSave\nChange",null,"N","Can be adapted to work across online, self-completion and and face-to-face modes",null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D88))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D88))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D88))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F88))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G88))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H88))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I88))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I88))),\"\")","v":""}]
[false,"Out","5-7 yrs",89,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Children are aware of and can explain basic financial language e.g. spend, save, change (3-5)","Interviewer administered:\n\nWhat do you do with your money if you 'save' it?\n1. keep it for the future\n2. spend it in a shop\n\nIf you can 'afford' to buy something do you:\n1. have enough to pay for it\n2. not have enough to pay for it",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D89))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D89))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D89))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F89))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G89))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H89))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I89))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I89))),\"\")","v":""}]
[false,"Out","5-7 yrs",90,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Children are aware of and can explain basic financial language e.g. spend, save, change (3-5)","Interviewer administered:\n\nWhat does 'expensive' mean?\n1. it doesn't cost much\n2. it costs a lot of money\n",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D90))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D90))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D90))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F90))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G90))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H90))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I90))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I90))),\"\")","v":""}]
[false,"Out","5-7 yrs",91,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Children are aware of and can explain basic financial language e.g. spend, save, change (3-5)","Interviewer administered:\n\nWhat's the other word for 'money' meaning coins and notes?\n1. cash\n2. catch",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D91))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D91))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D91))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F91))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G91))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H91))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I91))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I91))),\"\")","v":""}]
[false,"Out","5-7 yrs",92,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Children recognise and use symbols for pounds (£) and pence (p)","Interviewer administered:\n\nCQ1: Which is worth more money?\n\n(SHOWCARD)\n£5\n5p\n",null,"Y-CQ1","5p and £5 can be written on a showcard to give the child  (users should use CQ1 at thebeginning of the programme and CQ2 at the end  or vice-versa to ensure child has not just learned to choose the left or right response)",null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D92))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D92))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D92))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F92))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G92))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H92))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I92))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I92))),\"\")","v":""}]
[false,"Out","5-7 yrs",93,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Children recognise and use symbols for pounds (£) and pence (p)","Interviewer administered:\n\nCQ2: Which is worth more money?\n\n(SHOWCARD)\n£5\n5p\n",null,"Y-CQ2",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D93))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D93))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D93))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F93))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G93))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H93))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I93))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I93))),\"\")","v":""}]
[false,"Out","5-7 yrs",94,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Children understand the concept of borrowing money from family or friends and having to pay it back later","Parent proxy\n\nDoes your child understand the difference 'lending' and 'giving'?\n1. Yes\n2. No\n3. Don't Know\n\n",null,"N","The older child's approach to this measure could be used but it would have to be interviewer administered as children will not be able to write responses.  This is:\n\nWhat does the word 'borrow' mean?\n\nOPEN RESPONSE: \n\n1. Child can explain the word 'borrow'- mentions that the money ahs to be given back.\n2.  Child cannot explain the word 'borrow'.\n3.  Uncodeable  (unclear whether child understands or not)",null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D94))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D94))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D94))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F94))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G94))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H94))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I94))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I94))),\"\")","v":""}]
[false,"Out","5-7 yrs",95,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Children understand the concept of borrowing money from family or friends and having to pay it back later","Parent proxy\n\nDoes your child understand that if they borrow something they have to give it back?\n1. Yes\n2. No\n3. Don't Know",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D95))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D95))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D95))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F95))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G95))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H95))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I95))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I95))),\"\")","v":""}]
[false,"Out","5-7 yrs",96,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Children understand the concept of borrowing money from family or friends and having to pay it back later","Interviewer administered:\n\nIf you 'borrow' something do you...\n1. Keep it forever\n2. Give it back",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D96))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D96))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D96))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F96))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G96))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H96))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I96))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I96))),\"\")","v":""}]
[false,"Out","5-7 yrs",97,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Children know that they can save money in different ways (eg. cash at home, in a savings account etc)","\nParent proxy:\nIn which of the following places is your child aware that money can be kept?'\nPlease tick all that apply.\n\n1. In a bank\n2. In a piggy bank or money box\n3. In a purse, wallet or handbag\n4. In pockets\n5. Looked after by parents\n6. Somewhere else (please write in)",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D97))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D97))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D97))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F97))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G97))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H97))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I97))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I97))),\"\")","v":""}]
[false,"Out","5-7 yrs",98,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Children know that they can save money in different ways (eg. cash at home, in a savings account etc)","\nInterviewer administered:\nWhere can people keep their money so that it stays safe?\nCoding list: bank, piggy bank, money box, other container, purse, wallet, bag, pockets, at home, bedroom, other rooms in house, with a parent, other places.",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D98))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D98))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D98))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F98))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G98))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H98))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I98))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I98))),\"\")","v":""}]
[false,"Out","5-7 yrs",99,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Children understand that you can pay for things in different ways (eg. cash, debit card, mobile, etc.)","Parent proxy\n\nDoes your child understand that money can be used digitally, for example when buying something through an online store or an app?\n1. Yes\n2. No\n3. Don’t know ",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D99))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D99))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D99))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F99))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G99))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H99))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I99))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I99))),\"\")","v":""}]
[false,"Out","5-7 yrs",100,"Ability","Understanding money management","CYP understand the value of money","Children know how to keep their money safe (3-5)","Parent proxy\n\nDoes your child always keep their spending money somewhere safe (for example a money box or purse) or do they sometimes leave it lying around?\n1. They always keep their money somewhere safe\n2. They sometimes leave it lying around\n3. Not applicable- Child does not have own money\n[4. Don't know]",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D100))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D100))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D100))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F100))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G100))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H100))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I100))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I100))),\"\")","v":""}]
[false,"Out","5-7 yrs",101,"Ability","Understanding money management","CYP understand the value of money","Children know how to keep their money safe (3-5)","Interviewer administered:\n\nPQ13: Click/draw a circle answer (pick as many as you think).\n\nWhere are good places to keep your money? \nAround the house / In a piggy bank or money box / In the garden / In a purse or wallet","Y","Y-PQ13",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D101))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D101))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D101))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F101))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G101))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H101))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I101))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I101))),\"\")","v":""}]
[false,"Out","5-7 yrs",102,"Ability","Understanding money management","CYP understand the value of money","Children are beginning to understand the consequences of losing money or having it stolen","Parent proxy\n\nDoes your child understand that if money is lost or stolen, they cannot get it back?\n\n1. Yes\n2. No\n3. Don't Know",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D102))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D102))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D102))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F102))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G102))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H102))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I102))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I102))),\"\")","v":""}]
[false,"Out","5-7 yrs",103,"Ability","Understanding money management","CYP understand the value of money","Children are beginning to understand the consequences of losing money or having it stolen","Interviewer administered:\nWhat would it mean if you lost your money and someone found it and kept it?\n\n1. It would mean I couldn't buy what I wanted\n2. It would mean I'd have to get some more money from my parents\n3. It would mean I would have to ask a bank to replace it",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D103))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D103))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D103))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F103))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G103))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H103))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I103))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I103))),\"\")","v":""}]
[false,"Out","5-7 yrs",104,"Ability","Understanding money management","CYP understand the value of money","Children understand that money is limited and that they might not be able to have everything they want","Parent proxy\n\nDo you think that your child understands that money is limited and that they can’t have everything they want? \n1. Yes, all the time\n2. Yes, sometimes\n3. No\n4. Don’t know \n \n\nHave you ever explained to your child that money is limited and that they therefore can’t have everything they want?\n1.  Yes\n2. No\n3. Don’t know\n\nHow often do you explain to your child that money is limited and that they therefore can’t have everything they want?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n[5. Don’t know]\n\nDoes your child know that they will need to make choices about what to spend their money on, for example only being able to afford to buy one item instead of two?\n1. Yes\n2. No\n3. Don’t know \n",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D104))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D104))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D104))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F104))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G104))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H104))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I104))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I104))),\"\")","v":""}]
[false,"Out","5-7 yrs",105,"Ability","Understanding money management","CYP understand the value of money","Children understand that money is limited and that they might not be able to have everything they want","Interviewer administered:\n\nPQ18: Imagine you have £5 to spend. You see a toy you really want but you don't have enough money for it. What do you do?\n\nBuy something else\nAsk your mum or dad to buy it for you\nSave up your money to buy it later",null,"Y-PQ18",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D105))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D105))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D105))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F105))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G105))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H105))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I105))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I105))),\"\")","v":""}]
[false,"Out","5-7 yrs",106,"Ability","Understanding money management","CYP understand the value of money","Children understand what wants and needs are and can explain the difference between the two","Parent proxy\n\nDoes your child understand that there is a difference between things they need and things they may want? \n1. Yes\n2. No\n3. Don’t know\n",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D106))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D106))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D106))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F106))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G106))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H106))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I106))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I106))),\"\")","v":""}]
[false,"Out","5-7 yrs",107,"Ability","Understanding money management","CYP understand the value of money","Children understand what wants and needs are and can explain the difference between the two","Interviewer administered:\n\nPQ14: Click/draw a circle around your answer.\n\nCan you help me? I only have £5 to spend and I am hungry. I can spend it on a new toy or on lunch. Which should I choose?\n\nToy\nLunch","Y","Y-PQ14",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D107))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D107))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D107))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F107))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G107))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H107))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I107))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I107))),\"\")","v":""}]
[false,"Out","5-7 yrs",108,"Ability","Understanding money management","CYP understand the value of money","Children understand that certain things they need and want (toys, activities, clothes and food) cost money","Parent proxy\n\nDoes your child understand that everyday items such as toys, clothes and food cost money?\n1. Yes\n2. No\n3. Don’t know\n\nDoes your child understand that activities such as classes or trips out cost money?\n1. Yes\n2. No\n3. Don’t know ",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D108))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D108))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D108))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F108))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G108))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H108))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I108))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I108))),\"\")","v":""}]
[false,"Out","5-7 yrs",109,"Ability","Understanding money management","CYP understand the value of money","Children understand that different things cost different amounts","Parent proxy\n\nDoes your child understand that different items or activities cost different amounts?\n1. Yes\n2. No\n3. Don’t know\n",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D109))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D109))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D109))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F109))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G109))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H109))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I109))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I109))),\"\")","v":""}]
[false,"Out","5-7 yrs",110,"Ability","Understanding money management","CYP understand the value of money","Children understand that different things cost different amounts","Interviewer administered:\n\nCQ3; CQ4: Which of these do you think costs more?",null,"Y-CQ3 & CQ4","(users should use CQ3 at thebeginning of the programme and CQ4 at the end  or vice-versa to ensure child has not just learned to choose the left or right response)",null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D110))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D110))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D110))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F110))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G110))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H110))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I110))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I110))),\"\")","v":""}]
[false,"Out","5-7 yrs",111,"Ability","Understanding money management","CYP understand the value of money","Children understand that different things cost different amounts","Interviewer administered:\n\nCQ5; CQ6: Which of these do you think costs more?",null,"Y-CQ5 & CQ6","(users should use CQ5 at thebeginning of the programme and CQ6 at the end  or vice-versa to ensure child has not just learned to choose the left or right response)",null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D111))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D111))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D111))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F111))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G111))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H111))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I111))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I111))),\"\")","v":""}]
[false,"Out","5-7 yrs",112,"Ability","Understanding money management","CYP know how to keep track of their money and set and stick to a budget","Children know roughly how much money they have and can keep track of their money & spending using simple financial records (eg. counting the money in a money box)","Parent proxy\n\nIs your child able to keep track of their money e.g. by counting the money in their money box?\n1.Yes\n2. No\n3. My child does not have their own money",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D112))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D112))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D112))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F112))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G112))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H112))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I112))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I112))),\"\")","v":""}]
[false,"Out","5-7 yrs",113,"Ability","Understanding money management","CYP know how to save up for things they want","Children know how to put money aside for the future","\nParent proxy\n\nDoes your child know how to save money and keep their savings safe? \n1. Yes\n2. No\n3. Don’t know\n",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D113))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D113))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D113))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F113))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G113))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H113))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I113))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I113))),\"\")","v":""}]
[false,"Out","5-7 yrs",114,"Ability","Understanding money management","CYP know how to save up for things they want","Children know how to put money aside for the future","Interviewer administered:\n\nSuppose you wanted something really expensive and your mum or dad says you have to save up for it. Where would you put your money until you had saved enough? ASK UNPROMPTED\nPut money in a piggy bank/money box\nPut money in a bank account\nAsk my parents to look after the money, \nOther answer\nDon't know",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D114))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D114))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D114))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F114))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G114))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H114))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I114))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I114))),\"\")","v":""}]
[false,"Out","5-7 yrs",115,"Ability","Understanding money management","CYP know how to save up for things they want","Children understand why saving money for something you want to buy is important","Interviewer administered:\n\nWhich one of these do you agree with most? READ OUT AND CODE ONE\n - There is no point in saving money\n - I think it’s important to save money\n\n\n You may have heard people talking about saving money for the future.   Why do you think people save money? ASK UNPROMPTED\n - To buy something that's expensive \n - Just in case they need it in the future\n - Other answer\n - Don't know",null,"N","Interviewer-administered.  At Q2 either of the first options would be recorded as the right answer, any other answer would be subject to judgement, and don't know would  be recorded as an incorrect answer.",null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D115))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D115))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D115))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F115))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G115))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H115))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I115))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I115))),\"\")","v":""}]
[false,"Out","5-7 yrs",116,"Ability","Understanding money management","CYP can apply their numeracy skills to financial issues","Children can do simple addition and subtraction in relation to money, including working out how much money they need to pay for multiple items and how much change they will get","Interviewer administered:\n\nPQ3:\n\nI want to buy this lollipop. It costs £1.50.\nWhich coins will I need to buy the lollipop?\n\nPlease click/draw a circle around the right coins \n","Y","Y-PQ3","Questions used should vary so child does not learn correct response to a set question.",null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D116))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D116))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D116))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F116))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G116))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H116))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I116))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I116))),\"\")","v":""}]
[false,"Out","5-7 yrs",117,"Ability","Understanding money management","CYP can apply their numeracy skills to financial issues","Children can do simple addition and subtraction in relation to money, including working out how much money they need to pay for multiple items and how much change they will get","Interviewer administered:\n\nPQ20:\n\nThe lolly costs 21p. What coins you need to pay the exact money?\n\n\nPlease click/draw a circle around the right coins",null,"Y-PQ20",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D117))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D117))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D117))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F117))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G117))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H117))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I117))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I117))),\"\")","v":""}]
[false,"Out","5-7 yrs",118,"Ability","Understanding the role of money in society","CYP understand the different sources of money","Children know that they can get money in different ways and they understand how they get their money","Interviewer administered:\n\nPQ23: Click/draw a circle around your answer.\n\nCan you help me? What are some different ways that children can get money?\n\nPocket money\nAsk mum or dad for some money\nEarn money for doing special jobs at home",null,"Y-PQ23",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D118))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D118))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D118))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F118))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G118))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H118))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I118))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I118))),\"\")","v":""}]
[false,"Out","5-7 yrs",119,"Ability","Understanding the role of money in society","CYP understand the different sources of money","Children understand where the money their family has comes from","Parent proxy\n\nHow often have you talked to your child about where your household income comes from?\n\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n[5. Don’t know]\n\nHow confident are you that your child understand where your household gets its money from?  \n1. Very confident\n2. Fairly confident\n3. Not very confident\n4. Not confident at all",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D119))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D119))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D119))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F119))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G119))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H119))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I119))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I119))),\"\")","v":""}]
[false,"Out","5-7 yrs",120,"Ability","Understanding the role of money in society","CYP understand the different sources of money","Children understand where the money their family has comes from","Interviewer administered:\n\nPQ15: Click/draw a circle around your answer.\n\nMy parents get money for the family to spend. How do you think they get the money?\n\nEarn money by going to work\nFrom the bank\nFrom the till at the shop","Y","Y-PQ15",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D120))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D120))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D120))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F120))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G120))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H120))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I120))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I120))),\"\")","v":""}]
[false,"Out","5-7 yrs",121,"Ability","Understanding the role of money in society","CYP understand the different sources of money","Children are beginning to understand about working to earn money","Parent proxy\n\nDo you ever give your child money in exchange for work, for example if they do chores around the house?\n1. Yes\n2. No\n3. Don't know\n\nDo you think your child understands that people can earn money by working?\n1. Yes\n2. No\n3. Don't know",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D121))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D121))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D121))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F121))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G121))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H121))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I121))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I121))),\"\")","v":""}]
[false,"Out","5-7 yrs",122,"Ability","Understanding the role of money in society","CYP understand the different sources of money","Children are beginning to understand about working to earn money","Interviewer administered:\n\nPQ15: Click/draw a circle around your answer.\n\nMy parents get money for the family to spend. How do you think they get the money?\n\nEarn money by going to work / From the bank / From the till at the shop","Y","Y-PQ15",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D122))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D122))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D122))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F122))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G122))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H122))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I122))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I122))),\"\")","v":""}]
[false,"Out","5-7 yrs",123,"Ability","Understanding the role of money in society","CYP understand that companies exist to make money","Children are beginning to understand that adverts (eg. in shops, online and on TV) are designed to make people buy things","Parent proxy\n\nHow often do you explain the purpose of adverts and the tactics companies use to sell more products to your child?\n1. Often\n2.Sometimes\n3 Rarely\n4.Never\n[5.Don’t know]\n\nHow confident are you that your child understands that adverts are designed to try and make people buy things?  \n1. Very confident\n2. Fairly confident\n3. Not very confident\n4. Not confident at all\n\n",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D123))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D123))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D123))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F123))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G123))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H123))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I123))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I123))),\"\")","v":""}]
[false,"Out","5-7 yrs",124,"Ability","Understanding the role of money in society","CYP understand that companies exist to make money","Children are beginning to understand that adverts (eg. in shops, online and on TV) are designed to make people buy things","Interviewer administered\n\nPQ17: Click/draw a circle around your answer.\n\nI asked my friends what they think adverts on TV are for. This is what they said. What do you think?\n\nTo give you a break - Yes/No\nTo be fun to watch - Yes/No\nTo make you buy things - Yes/No",null,"Y-PQ17",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D124))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D124))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D124))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F124))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G124))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H124))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I124))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I124))),\"\")","v":""}]
[null,"Out","5-7 yrs",125,"Ability","Understanding values and emotions around money","CYP understand their own values and feelings around money",0,0,null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D125))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D125))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D125))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F125))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G125))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H125))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I125))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I125))),\"\")","v":""}]
[false,"Out","5-7 yrs",126,"Ability","Basic skills","CYP have good literacy skills","Children perform at age appropriate levels in standardised literacy tests","\nUse standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D126))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D126))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D126))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F126))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G126))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H126))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I126))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I126))),\"\")","v":""}]
[false,"Out","5-7 yrs",127,"Ability","Basic skills","CYP have good numeracy skills","Children perform at age appropriate levels in standardised numeracy tests","\nUse standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D127))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D127))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D127))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F127))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G127))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H127))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I127))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I127))),\"\")","v":""}]
[false,"Out","5-7 yrs",128,"Ability","Basic skills","CYP have good problem solving skills","Children can identify and understand a problem","\nUse standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D128))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D128))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D128))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F128))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G128))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H128))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I128))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I128))),\"\")","v":""}]
[false,"Out","5-7 yrs",129,"Ability","Basic skills","CYP have good problem solving skills","Children can plan ways to solve a problem","\nUse standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D129))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D129))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D129))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F129))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G129))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H129))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I129))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I129))),\"\")","v":""}]
[false,"Out","5-7 yrs",130,"Ability","Basic skills","CYP have good problem solving skills","Children can monitor progress in tackling a problem","\nUse standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D130))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D130))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D130))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F130))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G130))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H130))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I130))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I130))),\"\")","v":""}]
[false,"Out","5-7 yrs",131,"Ability","Basic skills","CYP have good problem solving skills","Children can review solutions to problems and modify them if necessary","\nUse standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D131))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D131))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D131))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F131))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G131))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H131))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I131))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I131))),\"\")","v":""}]
[false,{"$f":"IF(A134=TRUE,\"In\",\"Out\")","v":"Out"},"7-11 yrs",132,"Financially capable behaviour",null,"CYP have their own regular source of money","Children receive a set amount of pocket money on a regular basis (5-7)","Where do you get your money from? \nMULTICODE OK. RANDOMISE CODES 1-6\n1. I do not get any money from my parents or other people – SC\n2. Pocket money or allowance from my parents or carers\n3. From my parents or carers as a reward for doing something\n4. Pocket money from other members of my family \n5. Birthdays, Christmas or special occasions\n6. Other (Please write in)\n\nASK ALL WITH POCKET MONEY (CODES 2 or 4 above): \nDo you receive the same amount of pocket money/allowance each week/month? \n1. Yes, the same\n2. No, it varies\n3. Don’t know","Y","N","1, 3 or 5 = no to indicator, 2 or 4 = ask follow-up question",null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D132))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D132))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D132))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F132))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G132))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H132))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I132))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I132))),\"\")","v":""}]
[false,"Out","7-11 yrs",133,"Financially capable behaviour","Managing your money well day-to-day",null,"Children keep their money in a safe place eg. a piggy bank, money box or purse/wallet (3-5, 5-7) and keep information about their bank accounts safe","A bank account is somewhere people can keep their money rather than keeping it at home. Credit union and building society accounts are like bank accounts, if you have a credit union or building society account you should answer yes to this question. Do you have a bank account of your own?\n\nSC\n1. Yes\n2. No\n3. I don’t know if I have one\n\n\nASK ALL  WITH MONEY (CODES 2-6 at first question): \n(IF HAVE BANK ACCOUNT INSERT [“Apart from in your bank account(s)”] Where do you keep your money?\nMC\n1. Purse or wallet\n2. Piggy bank or cash box at home\n3. My parent/carer looks after it for me\n4. Nowhere in particular (SC)\n5. Somewhere else\n6. Don’t know (SC)\n\nIF HAVE BANK ACCOUNT\nIf you have a bank account, do you have a card that you can use at a cash machine or a bank book?  You can pick one or both answers.\nI have a card \nI have a bank book\nNo, neither of these\n\nIF HAVE A BANK BOOK OR CARD\nWhere do you keep your bank card or bank book? You can pick more than one answer.\nIn my purse/wallet\nMy parents look after it\nIn a safe place at home\nSomewhere else\nI don't have a special place where I keep this/these items\n\n","Y (first Q; second Q)","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D133))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D133))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D133))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F133))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G133))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H133))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I133))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I133))),\"\")","v":""}]
[false,"Out","7-11 yrs",134,"Financially capable behaviour","Managing your money well day-to-day",null,"Children have money saved up (5-7)","ASK ALL WITH MONEY (CODES 2-6 at first question):  \nWhen you get money, how often do you save at least some of it, [say by putting it in a piggy bank or cash box or into your bank account]?\nSELECT ONE ONLY\n1. Every time I get money\n2. Most times I get money\n3. Sometimes\n4. Never\n5. Don’t know ","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D134))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D134))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D134))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F134))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G134))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H134))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I134))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I134))),\"\")","v":""}]
[false,"Out","7-11 yrs",135,"Financially capable behaviour","Managing your money well day-to-day",null,"Children know how much money they have (including savings) and keep track of their spending","Think about all your money. Do you know how much money you have right now?:\n\n1. Yes\n2. No\n3. Don't know \n\nWhen you buy things using your money, do you keep track of how much you spend and how much you have left? \n\n1. I do this a lot\n2. I do this sometimes\n3. I rarely do this\n4. I never do this\n5. I do not have my own money to spend\n6.  Don’t Know\n",null,"N","Use question below, if programme is particularly interested in bank accounts",null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D135))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D135))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D135))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F135))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G135))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H135))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I135))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I135))),\"\")","v":""}]
[false,"Out","7-11 yrs",136,"Financially capable behaviour","Managing your money well day-to-day",null,"Children know how much money they have (including savings) and keep track of their spending","ASK ALL WITH A BANK ACCOUNT:\nWhich of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)\n\nASK ALL WITH MONEY (CODES 2-6 at first question): \nDo you know how much money you have in total? (IF HAVE BANK ACCOUNT, including in your bank)\n1. No \n2. Yes, roughly\n3. Yes exactly\n","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D136))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D136))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D136))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F136))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G136))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H136))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I136))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I136))),\"\")","v":""}]
[false,"Out","7-11 yrs",137,"Financially capable behaviour","Managing your money well day-to-day",null,"Children make a plan for what they will spend their money on and stick to it","Do you plan what you want to buy with your money before you spend it?\n1. A lot\n2. Sometimes \n3. Never\n4. I do not have my own money to spend\n\nHow often do you stick to your plan? \n1. A lot\n2. Sometimes \n3. Never\n4. I do not plan on what to buy\n",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D137))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D137))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D137))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F137))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G137))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H137))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I137))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I137))),\"\")","v":""}]
[false,"Out","7-11 yrs",138,"Financially capable behaviour","Managing your money well day-to-day",null,"Children make choices about how to spend their money that are based on their needs and on value for money","When you have money, who usually decides what you spend it on?\nSINGLE\n\nMy parents or carers decide\nI decide\nWe both decide\nDon't know\n\nASK ALL WITH MONEY (CODES 2-6 at first question):  \nWhen you get money,  how often do you save at least some of it, [say by putting it in a piggy bank or cash box or into your bank account]?\nSELECT ONE ONLY\n1. Every time I get money\n2. Most times I get money\n3. Sometimes\n4. Never\n5. Don’t know \n\nWhen you want to buy something for yourself, how often do you...\nNever\nRarely\nSometimes\nOften\nDon't know\n... look in different places or stores to compare prices?\n …  think about whether your friends would approve of the item?\n ...  think about whether the item is good value for money?","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D138))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D138))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D138))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F138))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G138))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H138))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I138))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I138))),\"\")","v":""}]
[false,"Out","7-11 yrs",139,"Financially capable behaviour","Managing your money well day-to-day",null,"Children check they have the right change when paying for things in shops (5-7)","When you buy something in a shop, do you check if you have been given the right change ?\n1. A lot\n2. Sometimes \n3. Never\n4. I do not buy things in shops",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D139))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D139))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D139))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F139))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G139))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H139))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I139))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I139))),\"\")","v":""}]
[false,"Out","7-11 yrs",140,"Financially capable behaviour","Managing your money well day-to-day",null,"Children shop around to get the best deal","When you want to buy something for yourself, how often do you...\nNever\nRarely\nSometimes\nOften\nDon't know\n... look in different places or stores to compare prices?\n …  think about whether your friends would approve of the item?\n ...  think about whether the item is good value for money?","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D140))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D140))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D140))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F140))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G140))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H140))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I140))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I140))),\"\")","v":""}]
[false,"Out","7-11 yrs",141,"Financially capable behaviour","Managing your money well day-to-day",null,"Children save up for things they want to buy and can save over a longer time period (at least three months)","What is the longest time you have saved up for? (for example to buy something you wanted)\nSC\n1. I haven’t saved up money before\n2. Less than a week\n3. More than a week but less than month\n4. More than a month but less than a year\n5. More than a year\n6. Don’t know","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D141))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D141))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D141))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F141))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G141))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H141))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I141))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I141))),\"\")","v":""}]
[false,"Out","7-11 yrs",142,"Financially capable behaviour","Managing your money well day-to-day",null,"Children talk about money with friends and family openly","Do you talk about your money with any of the following people? \nTICK ALL THE PEOPLE YOU TALK TO ABOUT MONEY (ROTATE 1-5)\n\nI never talk about money (SC)\nFriends\nParents or carers\nTeachers\nMy brothers and sisters\nGrandparents or other family members\nDon't know (SC)","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D142))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D142))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D142))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F142))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G142))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H142))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I142))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I142))),\"\")","v":""}]
[false,"Out","7-11 yrs",143,"Connection","Access to and use of financial products","CYP have access to their own financial products from a young age","Children have their own bank account (at a bank, building society, credit union, etc.)","A bank account is somewhere people can keep their money rather than keeping it at home. Credit union and building society accounts are like bank accounts, if you have a credit union or building society account you should answer yes to this question. Do you have a bank account of your own?\n\nSC\n1. Yes\n2. No\n3. I don’t know if I have one\n","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D143))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D143))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D143))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F143))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G143))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H143))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I143))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I143))),\"\")","v":""}]
[false,"Out","7-11 yrs",144,"Connection","Access to and use of financial products","CYP are given experience of choosing their own financial products","Children are involved in the process of choosing and setting up their own bank accounts","IF HAVE BANK/B.S. ACCOUNT:\nDid your parents pick this bank account for you? \n1. Yes\n2. No\n3. Don't know\n\nDid your parents talk to you about which bank account you wanted ? \n1. Yes\n2. No\n3. Don't know",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D144))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D144))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D144))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F144))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G144))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H144))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I144))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I144))),\"\")","v":""}]
[false,"Out","7-11 yrs",145,"Connection","Access to and use of financial products","CYP receive advice and guidance about money as well as wider life goals","Children receive money advice and guidance from their family, teachers and other appropriate sources around money (5-7)","How often do your parents or carers teach you about money and spending?\nNever\nRarely\nSometimes\nOften\nDon't know\n\nHow often do your teachers teach you about  money and spending?\nNever\nRarely\nSometimes\nOften\nDon't know",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D145))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D145))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D145))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F145))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G145))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H145))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I145))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I145))),\"\")","v":""}]
[false,"Out","7-11 yrs",146,"Connection","Access to and use of financial products","CYP receive advice and guidance about money as well as wider life goals","Children receive money advice and guidance from their family, teachers and other appropriate sources around money (5-7)","If you needed advice about money, who would give useful advice? \nPlease select all that apply.  \n\nI do not ask for advice about money (SC)\nMy parents or carers \nMy friends\nMy teachers\nOther family members \nOther adults\nOnline  (for example, Youtube, Money Saving Expert)\nA bank, building society or other financial organisation \nTV programmes \nDon't know (SC)\n\nAnd who would be the most useful (SINGLE)\n\nMy parents or carers \nMy friends\nMy teachers\nOther family members \nOther adults\nOnline  (for example, Youtube, Money Saving Expert)\nA bank, building society or other financial organisation \nTV programmes \nDon't know\nNone of them would give useful advice\n\nHave you learnt about how to manage your money in school or college?\n(SINGLE)\n\nYes\nNo\nNot sure or don't remember","Y (variation to first Q)","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D146))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D146))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D146))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F146))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G146))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H146))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I146))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I146))),\"\")","v":""}]
[false,"Out","7-11 yrs",147,"Connection","Exposure to family finances","CYP witness financial transactions and processes","Children regularly see money being used to pay for things in shops and online","Have you seen your parents pay for things with? \nMC\n1. Money – (i.e. notes or coins)\n2. Debit card\n3. Online account (like Paypal)\n4. Mobile phone\n5. Credit card\n6. None of the above [SC]\n7. Don’t know [SC]\n","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D147))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D147))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D147))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F147))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G147))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H147))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I147))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I147))),\"\")","v":""}]
[false,"Out","7-11 yrs",148,"Connection","Exposure to family finances","CYP witness financial transactions and processes","Children regularly see adults checking the balance on their current and savings accounts, and checking transactions ","Do your parent(s) check their bank accounts in any of these ways?\n1. Visiting the bank or at the ATM/cash machine    Y/N/Not sure\n2. Checking online   Y/N/Not sure\n3. Letter or statement from the bank   Y/N/Not sure\n\n[follow up for any]\nHow often do you see your parent(s) check their bank accounts?\nNever\nRarely\nSometimes\nOften\nDon't know",null,"N","Easier to filter in an online instrument as could follow up separately about each. \nOn paper could follow up in one catch all Q (e.g. 'in any of these ways').",null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D148))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D148))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D148))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F148))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G148))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H148))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I148))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I148))),\"\")","v":""}]
[false,"Out","7-11 yrs",149,"Connection","Exposure to family finances","CYP are involved in discussions and decisions about household spending","Children are involved when everyday household spending decisions are being taken (e.g. about the weekly shop) and trade-offs are being made (5-7)","Do you get to have a choice in?\n \n1. Family days out or holidays \n2. What to buy in the family food shop\n\n1. Yes\n2. No\n3. Don't know","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D149))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D149))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D149))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F149))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G149))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H149))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I149))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I149))),\"\")","v":""}]
[false,"Out","7-11 yrs",150,"Connection","Exposure to family finances","CYP are involved in discussions and decisions about household spending","Children are involved when everyday household spending decisions are being taken (e.g. about the weekly shop) and trade-offs are being made (5-7)","Here are some things that people your age have said about money. How strongly do you agree or disagree with them\nROTATE STATEMENTS\nSelect one for each row\nMy parents or carers discuss with me what we can and can’t afford to buy (11-17 only)\nI don't like it when my parents or carers say I cannot have things I see in shops\nI don’t like it when friends have things I don’t have\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D150))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D150))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D150))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F150))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G150))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H150))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I150))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I150))),\"\")","v":""}]
[false,"Out","7-11 yrs",151,"Connection","Experience of managing your own money (and the risks that come with it)","CYP have their own regular source of money","Children receive a set amount of pocket money on a regular basis (5-7)","Where do you get your money from? \nMULTICODE OK. RANDOMISE CODES 1-6\n1. I do not get any money from my parents or other people – SC\n2. Pocket money or allowance from my parents or carers\n3. From my parents or carers as a reward for doing something\n4. Pocket money from other members of my family \n5. Birthdays, Christmas or special occasions\n6. Other (Please write in)\n\nASK ALL WITH POCKET MONEY (CODES 2 or 4 above): \nDo you receive the same amount of pocket money/allowance each week/month? \n1. Yes, the same\n2. No, it varies\n3. Don’t know","Y","N","Measured at Question 1",null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D151))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D151))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D151))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F151))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G151))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H151))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I151))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I151))),\"\")","v":""}]
[false,"Out","7-11 yrs",152,"Connection","Experience of managing your own money (and the risks that come with it)","CYP have responsibility for managing their own money","Children have a place to keep their money safe (e.g. a piggy bank or purse/wallet) and are allowed to look after it themselves (5-7)","\nASK ALL WITH MONEY (CODES 2-6 at first question): \n(IF HAVE BANK ACCOUNT INSERT [“Apart from in your bank account(s)”] Where do you keep your money?\nMC\n1. Purse or wallet\n2. Piggy bank or cash box at home\n3. My parent/carer looks after it for me\n4. Nowhere in particular (SC)\n5. Somewhere else\n6. Don’t know (SC)\n\n\nASK ALL WITH A BANK ACCOUNT:\nWhich of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D152))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D152))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D152))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F152))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G152))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H152))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I152))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I152))),\"\")","v":""}]
[false,"Out","7-11 yrs",153,"Connection","Experience of managing your own money (and the risks that come with it)","CYP have responsibility for managing their own money","Children make decisions about how to spend or save their money, supported by their parents (5-7)","ASK ALL WITH MONEY:\nWhen you have money, who usually decides whether you save any of it? \nSC\n\nMy parents or carers decide \nI decide\nWe both decide\nDon’t know\n\nWhen you have money, who usually decides what you spend it on?\nSC\n \nMy parents or carers decide\nI decide\nWe both decide\nDon’t know","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D153))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D153))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D153))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F153))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G153))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H153))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I153))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I153))),\"\")","v":""}]
[false,"Out","7-11 yrs",154,"Connection","Experience of managing your own money (and the risks that come with it)","CYP have responsibility for managing their own money","Children can explain the choices they make with their own money (5-7)","\nWhich one of these is most like you?\n1. I like to wait for what I really want\n2. I like to spend some, save some\n3. I like to spend, spend, spend!",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D154))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D154))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D154))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F154))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G154))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H154))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I154))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I154))),\"\")","v":""}]
[false,"Out","7-11 yrs",155,"Connection","Experience of managing your own money (and the risks that come with it)","CYP have experience of paying for goods and activities","Children have experience of paying for things in shops and waiting for change","When you go to shops, how often do you pay for things at the till yourself?\n1. A lot\n2. Sometimes\n3. Not very often\n3. Never, someone else pays\n\nWhat do you get when you are given 'change' at the till?\n1. Money back (as notes or coins)\n2. New clothes that you've swapped\n3. A receipt",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D155))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D155))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D155))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F155))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G155))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H155))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I155))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I155))),\"\")","v":""}]
[false,"Out","7-11 yrs",156,"Connection","Experience of managing your own money (and the risks that come with it)","CYP have experience of paying for goods and activities","Children have experience of paying for things online (with the support of their parents) such as apps, games or music","Have you ever paid for something online with the help of an adult, either on a website or using an app?\n1. Yes\n2. No\n",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D156))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D156))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D156))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F156))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G156))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H156))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I156))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I156))),\"\")","v":""}]
[false,"Out","7-11 yrs",157,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP believe it's important to manage your money well and think carefully about how you spend it","Children believe it is important to keep track of their money","How important is it to check how much money you have?\n\nVery important\nQuite important\nNot very important\nNot at all important",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D157))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D157))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D157))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F157))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G157))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H157))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I157))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I157))),\"\")","v":""}]
[false,"Out","7-11 yrs",158,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP believe it's important to manage your money well and think carefully about how you spend it","Children believe it is important to think carefully about what they spend their money on","\nImagine you were given £5 to spend on a school trip. Would you plan how to spend the money and then stick to that plan? For example, would you work out how much you want to spend on different things like sweets or presents.\n1. Yes, I would make a plan and stick to it\n2. Yes, I would make a plan but would be unlikely to stick to it\n3. No, I wouldn’t make a plan\n4. Don’t know","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D158))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D158))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D158))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F158))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G158))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H158))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I158))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I158))),\"\")","v":""}]
[false,"Out","7-11 yrs",159,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP believe it's important to manage your money well and think carefully about how you spend it","Children think it's important to shop around and look for the best deals in order to make their money go further","Imagine you were given £5 to spend on a toy. What would you do?\n\nGo to the nearest toyshop and buy it\n\nFind out where sells it for the lowest price\n\nDon't know",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D159))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D159))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D159))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F159))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G159))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H159))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I159))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I159))),\"\")","v":""}]
[false,"Out","7-11 yrs",160,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP think it's good to plan for the future and save up for things","Children think that saving money is an important thing to do","Imagine someone gives you £10. How much would you spend and how much would you save for later?   \n(if online) SLIDER SCALE – Save £10 to Spend £10 – use £1 increments\n(if on paper) Spend all of it; Spend more than half; Spend about half; Spend less than half; Save all of it\n","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D160))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D160))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D160))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F160))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G160))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H160))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I160))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I160))),\"\")","v":""}]
[false,"Out","7-11 yrs",161,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP have a cautious attitude to borrowing and debt","Children believe they should not borrow money from friends or family if they cannot pay it back","Below are some things people your age have said about borrowing money. Which one best describes how you feel about borrowing money?\n\nSINGLE\n\nI'd rather not borrow money\nBorrowing money is OK, but only if I can pay it back\nBorrowing money does not bother me at all, even if I can't afford to pay it back\nI don't know",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D161))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D161))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D161))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F161))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G161))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H161))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I161))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I161))),\"\")","v":""}]
[false,"Out","7-11 yrs",162,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP accept that they cannot have everything they want and that everyone has to make trade-offs with their money","Children don't get angry or upset when they're told they can't have something they want but don't need (5-7)","Here are some things that people your age have said about money. How strongly do you agree or disagree with them (5 point scale)\nROTATE STATEMENTS\nSelect one for each row\nMy parents discuss with me what we can and can’t afford to buy\nI don't like it when my parents or carers say I cannot have things I see in shops\nI don’t like it when friends have things I don’t have\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D162))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D162))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D162))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F162))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G162))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H162))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I162))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I162))),\"\")","v":""}]
[false,"Out","7-11 yrs",163,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP accept that they cannot have everything they want and that everyone has to make trade-offs with their money","Children don't continue to ask for things after they've been told they can't have them or will have to wait for them (5-7)","Imagine you want something that is expensive.  You ask your parents to buy it for you but they say \"No\".  Here are some things other children have said they would do.  Which would you most likely do? \n\nKeep asking and hope that they will eventually say yes\nWait until a special occasion (e.g. birthday or Christmas)\nWait until I have enough money to buy it myself\nNothing, accept that I can't have it\n\n",null,"N","Question can be administered across a range of modes (e.g. interviewer administered, paper or web self-completion).",null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D163))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D163))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D163))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F163))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G163))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H163))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I163))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I163))),\"\")","v":""}]
[false,"Out","7-11 yrs",164,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP feel confident and in control of their financial situation","Children feel confident to manage their own money","How do you feel about these statements?\n1. 'I can decide for myself how to spend my own money'\n2. 'I can work out how much I need to save each week for something I want'\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D164))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D164))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D164))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F164))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G164))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H164))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I164))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I164))),\"\")","v":""}]
[false,"Out","7-11 yrs",165,"Mindset","Money and values","CYP do not value themselves or others by their material possessions","When making friends, material possessions are not the most important factor for children","Would you rather be friends with children who have expensive things than those who don't? \n1) Yes\n2) No\n",null,"N","We recommend administering this question through a paper or web self-completion as there may be social desirability bias here (and if interviewer administered children may not wish to answer 'Yes' at this question).",null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D165))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D165))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D165))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F165))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G165))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H165))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I165))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I165))),\"\")","v":""}]
[false,"Out","7-11 yrs",166,"Mindset","Money and values","CYP do not value themselves or others by their material possessions","Children do not think that their possessions are the most important thing about them","Do you think it’s important to have expensive things? \n1) No, not at all \n2) No, not really \n3) Yes, a little \n4) Yes, very much ",null,"N","We recommend administering this question through a paper or web self-completion as there may be social desirability bias here (and if interviewer administered children may not wish to answer 'Yes, at little' or 'Yes, very much' at this question).",null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D166))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D166))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D166))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F166))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G166))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H166))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I166))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I166))),\"\")","v":""}]
[null,"Out","7-11 yrs",167,"Mindset","Money and values","CYP have a positive/healthy emotional relationship with money",null,"outcome added from adult fw, but as per adult fw further research is needed to understand what this is and what a suitable indicator & question would be",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D167))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D167))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D167))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F167))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G167))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H167))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I167))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I167))),\"\")","v":""}]
[false,"Out","7-11 yrs",168,"Mindset","Money and values","CYP feel comfortable talking openly about money with friends and family","Children feel comfortable talking openly about money with friends and family (5-7)","Do you talk about your money with any of the following people? \nTICK ALL THE PEOPLE YOU TALK TO ABOUT MONEY (ROTATE 1-5)\n\nI never talk about money (SC)\nFriends\nParents or carers\nTeachers\nMy brothers and sisters\nGrandparents or other family members\nDon't know (SC)\n","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D168))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D168))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D168))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F168))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G168))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H168))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I168))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I168))),\"\")","v":""}]
[false,"Out","7-11 yrs",169,"Mindset","Aspirations and goals","CYP aspire to be good at managing their money","Children want to be good at managing their money (5-7)","How important to you is it that…\n\nYou learn how to save and spend your money well?\n1. Very important\n2. A little important\n3. Not that important",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D169))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D169))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D169))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F169))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G169))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H169))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I169))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I169))),\"\")","v":""}]
[false,"Out","7-11 yrs",170,"Mindset","Aspirations and goals","CYP have education and career goals","Children are thinking about the different jobs they might want to do when they're older","Do you have any idea what job you would like to have when you are older? \n1. Yes- I know exactly what I want to be\n2. I have some ideas but I am not totally decided\n3. No- I don't know what job I would like\n",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D170))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D170))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D170))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F170))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G170))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H170))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I170))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I170))),\"\")","v":""}]
[false,"Out","7-11 yrs",171,"Mindset","Aspirations and goals","CYP have financial goals","Children have a plan for saving up a certain amount of money so that they can pay for something that they want themselves (they have a savings goal) (5-7)","Do you save money, for example at home in a money box or in a savings account? Please choose one answer.\na) Yes I save regularly\nb) Yes, but only occasionally\nc) No\n\n\nASK IF ANSWERED a, b or c for question above\nPeople save for different reasons. Which of these statements best describes why you save? Please choose one answer.\na) I’m saving because my parents or guardians say it’s a good idea\nb) I’m saving up for a specific thing I want to buy\nc) I’m saving because I want to but not towards anything in particular\nd) I’m only saving because my parents or guardians make me",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D171))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D171))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D171))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F171))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G171))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H171))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I171))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I171))),\"\")","v":""}]
[false,"Out","7-11 yrs",172,"Mindset","General mindset","CYP have self-esteem","Children have a sense of their own value or worth","Do you think that your parents usually like to hear about your ideas? (Yes/No/Don't know)\n\nWhen you have to say things in front of teachers, do you usually feel shy? (Yes/No/Don't know)\n\nAre there lots of things about yourself you would like to change? (Yes/No/Don't know)","Y (Second and third Qs)","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D172))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D172))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D172))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F172))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G172))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H172))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I172))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I172))),\"\")","v":""}]
[false,"Out","7-11 yrs",173,"Mindset","General mindset","CYP have self-esteem","Children have a sense of their own value or worth","Do you think that your parents usually like to hear about your ideas? (Yes/No/Don't know)\n\nWhen you have to say things in front of teachers, do you usually feel shy? (Yes/No/Don't know)\n\nAre there lots of things about yourself you would like to change? (Yes/No/Don't know)",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D173))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D173))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D173))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F173))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G173))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H173))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I173))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I173))),\"\")","v":""}]
[false,"Out","7-11 yrs",174,"Mindset","General mindset","CYP have self-esteem","Children have a sense of their own value or worth","Do you think that your parents usually like to hear about your ideas? (Yes/No/Don't know)\n\nWhen you have to say things in front of teachers, do you usually feel shy? (Yes/No/Don't know)\n\nAre there lots of things about yourself you would like to change? (Yes/No/Don't know)",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D174))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D174))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D174))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F174))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G174))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H174))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I174))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I174))),\"\")","v":""}]
[false,"Out","7-11 yrs",175,"Mindset","General mindset","CYP have self-esteem","Children have a sense of their own value or worth","Do you think that your parents usually like to hear about your ideas? (Yes/No/Don't know)\n\nWhen you have to say things in front of teachers, do you usually feel shy? (Yes/No/Don't know)\n\nAre there lots of things about yourself you would like to change? (Yes/No/Don't know)",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D175))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D175))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D175))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F175))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G175))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H175))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I175))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I175))),\"\")","v":""}]
[false,"Out","7-11 yrs",176,"Mindset","General mindset","CYP display self-control/self-regulation","Children show appropriate behaviour","I often fight with other people\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n\nI get angry quickly\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n\nI sometimes take things belonging to other people\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n\nI am generally willing to do what is asked of me (e.g. by teachers or parents)\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n\nOther people say I tell lies\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all","Y (second Q; fourth Q)","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D176))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D176))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D176))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F176))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G176))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H176))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I176))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I176))),\"\")","v":""}]
[false,"Out","7-11 yrs",177,"Mindset","General mindset","CYP display self-control/self-regulation","Children show appropriate behaviour","Parent proxy\n\nPlease say how true or untrue the following statements are of your child:\n{Child} Frequently fights with others \n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Is irritable or quick to get angry\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Sometimes takes/steals things from others\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Is often disobedient\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Often tells lies\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D177))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D177))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D177))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F177))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G177))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H177))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I177))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I177))),\"\")","v":""}]
[false,"Out","7-11 yrs",178,"Mindset","General mindset","CYP display self-control/self-regulation","Children show perseverance","Setbacks don’t discourage me. \nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all \n\nI finish whatever I begin. \nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all \n\nI persist (carry on) with work whether it is difficult or not. \nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all","Y (third Q)","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D178))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D178))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D178))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F178))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G178))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H178))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I178))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I178))),\"\")","v":""}]
[false,"Out","7-11 yrs",179,"Mindset","General mindset","CYP have self-efficacy","Children believe they can improve their abilities through personal effort","Do you usually feel that it's almost useless to try in school because most students are cleverer than you? (Yes/No/Don't know)\n\nWhen someone is very angry with you is it impossible to make him your friend again? (Yes/No/Don't know)\n\nWhen bad things happen to you it is usually someone else's fault? (Yes/No/Don't know)\n\nWhen nice things happen to you is it only good luck? (Yes/No/Don't know)","Y (fourth Q)","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D179))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D179))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D179))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F179))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G179))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H179))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I179))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I179))),\"\")","v":""}]
[false,"Out","7-11 yrs",180,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Children know what bank accounts are, how they work (at a simple level) and the benefits of having them","Do you know what a bank account is?\n1. Yes\n2. No\n\n\nA bank account is somewhere people can keep their money rather than keeping it at home. Credit union and building society accounts are like bank accounts, if you have a credit union or building society account you should answer yes to this question. Do you have a bank account of your own?\n\nSC\n1. Yes\n2. No\n3. I don’t know if I have one\n\nWhich of the following would you use a bank account for?\nMULTICODE\n\nSeparating your notes from your coins\nKeeping your money in a safe place\nTaking out money when you want to buy something\nWorking out where is the cheapest place to buy something\nHaving extra money added to what you save","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D180))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D180))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D180))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F180))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G180))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H180))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I180))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I180))),\"\")","v":""}]
[false,"Out","7-11 yrs",181,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Children know what bank accounts are, how they work (at a simple level) and the benefits of having them","ASK ALL WITH A BANK ACCOUNT:\nWhich of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)\n\nASK ALL WITH A BANK/BS ACCOUNT: \nDo you know what type of bank account you have? Is it a….\nSINGLE CODE\n1. Current account\n2. Savings account\n3. I have both a current and a savings account\n4. I don’t know what type of bank account I have","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D181))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D181))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D181))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F181))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G181))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H181))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I181))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I181))),\"\")","v":""}]
[false,"Out","7-11 yrs",182,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Children know that they can save money in different ways (e.g. in cash at home, in a savings account, etc.)","Where can you save your money?\nMC\n1. Purse or wallet\n2. Piggy bank or cash box at home\n3. My parent/carer looks after it for me\n4. Bank account (or building society or credit union account)\n5. Somewhere else\n6. Don’t know (SC)",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D182))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D182))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D182))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F182))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G182))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H182))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I182))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I182))),\"\")","v":""}]
[false,"Out","7-11 yrs",183,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Children understand how to set up an account for their money","Which of these statements is true?\n                                                                                                   \n1. You are automatically given a bank account when you are born\n2. You or your parents have to choose and set up your own bank account\n\nTo set up a bank account which of these things do you think you would need?\n1. Name and address\n2. Date of birth\n3. Birth certificate\n4. Passport\n5. Note from your school\n6. Parents' personal details\n7. A computer/laptop/tablet\n8. A credit card\n9. Some money",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D183))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D183))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D183))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F183))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G183))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H183))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I183))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I183))),\"\")","v":""}]
[false,"Out","7-11 yrs",184,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Children understand that if you borrow money you have to pay it back","When you 'borrow' money, do you…\n\n1. Keep it, it's for you\n2. Forget about it for now\n3. Pay it back, as soon as you can",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D184))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D184))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D184))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F184))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G184))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H184))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I184))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I184))),\"\")","v":""}]
[false,"Out","7-11 yrs",185,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Children understand that borrowing money and not being able to pay it back can have negative consequences","Do you agree or disagree with the following statements?                      \n  \n1. Borrowing money is OK as long as you pay bits back regularly\n2. I could get into trouble if I borrowed lots of money\n3. If you borrow money and do not pay it back nothing will happen\n4. Borrowing money and not paying it back means people might not trust you in the future\n\nAgree\nDisagree\n\n",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D185))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D185))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D185))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F185))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G185))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H185))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I185))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I185))),\"\")","v":""}]
[false,"Out","7-11 yrs",186,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Children understand what interest is, and how it can be added to money that people save or borrow","Can you pick the description that best fits these words?\n\nInterest\nTax\n\nThe money that is added to savings by banks or building societies\nThe money people pay to government\nThe money you get when you retire from working\nThe amount you have in your bank account\n\n\n\nDON'T KNOW","Y","N","Draw a line between word and description if on paper or use drag and drop if online",null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D186))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D186))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D186))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F186))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G186))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H186))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I186))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I186))),\"\")","v":""}]
[false,"Out","7-11 yrs",187,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Children understand that you can pay for things in different ways (eg. cash, debit card, mobile, etc.) (5-7)","Have you seen your parents pay for things with? \nMC\n1. Money – (i.e. notes or coins)\n2. Debit card\n3. Online account (e.g. Paypal)\n4. Mobile phone\n5. Credit card\n6. None of the above [SC]\n7. Don’t know [SC]\n","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D187))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D187))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D187))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F187))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G187))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H187))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I187))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I187))),\"\")","v":""}]
[false,"Out","7-11 yrs",188,"Ability","Understanding financial products and concepts","CYP understand how to choose financial products that meet their needs","Children are beginning to understand the basic things they need to think about when choosing between different accounts (eg. interest rates, how quickly and easily they can access the money, different account features etc.)","Which of these things should you think about when choosing a bank account?\nTick all that apply\n\n1. Having a bank card\n2. Picture on bank card\n3. How easy it is to get to the bank\n4. Whether my friends use the same bank\n5. Whether my parents use the same bank\n6. Whether you can take money out straightaway or you have to wait\n7. Special offers (e.g. free tickets/toy/piggy bank)\n8. Other (please write in)",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D188))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D188))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D188))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F188))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G188))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H188))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I188))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I188))),\"\")","v":""}]
[null,"Out","7-11 yrs",189,"Ability","Understanding money management","CYP understand the value of money","Children understand that money is an important resource for their family","Responses to other questions in this section demonstrate this indicator\n",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D189))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D189))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D189))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F189))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G189))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H189))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I189))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I189))),\"\")","v":""}]
[false,"Out","7-11 yrs",190,"Ability","Understanding money management","CYP understand the value of money","Children understand that money is limited, and that they might not be able to have everything they want or need (5-7)","I don't spend money on things if I think I might need the money for something else (agree or disagree).\n\n\n\nFamilies have different things to spend their money on.   Which of the following do you think are essential and which are nice to have but only if you or family can afford it.  \n                                                \nHeating\nFood\nSweets\nTelevision\nSchool shoes\nElectricity\nExpensive trainers\nWinter coat\nTrip to the cinema\nGames console (e.g. Wii, xbox)\n\nEssential\nNice to have if can afford it",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D190))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D190))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D190))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F190))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G190))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H190))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I190))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I190))),\"\")","v":""}]
[false,"Out","7-11 yrs",191,"Ability","Understanding money management","CYP understand the value of money","Children can make spending decisions appropriate to their age based on their needs and priorities","When you have money, who usually decides what you spend it on?\nSINGLE\n\nMy parents or carers decide\nI decide\nWe both decide\nDon't know\n\nASK ALL WITH MONEY (CODES 2-6 at first question):  \nWhen you get money,  how often do you save at least some of it, [say by putting it in a piggy bank or cash box or into your bank account]?\nSELECT ONE ONLY\n1. Every time I get money\n2. Most times I get money\n3. Sometimes\n4. Never\n5. Don’t know \n\nWhen you want to buy something for yourself, how often do you...\nNever\nRarely\nSometimes\nOften\nDon't know\n... look in different places or stores to compare prices?\n …  think about whether your friends would approve of the item?\n ...  think about whether the item is good value for money?","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D191))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D191))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D191))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F191))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G191))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H191))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I191))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I191))),\"\")","v":""}]
[false,"Out","7-11 yrs",192,"Ability","Understanding money management","CYP understand the value of money","Children understand that services like electricity, phones and the internet cost money","Which of the following cost your parents money?  (please select all that apply)\n1. Going to the park             Yes   No   Don’t know\n2. Electricity  in your home  Yes   No   Don’t know\n3. Going to an NHS doctor  Yes   No   Don’t know\n4. Going to a library              Yes   No   Don’t know\n5. Making phone calls          Yes   No   Don’t know\n6. Water that comes out of taps in your home   Yes   No   Don’t know\n","Y (modified form)","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D192))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D192))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D192))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F192))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G192))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H192))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I192))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I192))),\"\")","v":""}]
[false,"Out","7-11 yrs",193,"Ability","Understanding money management","CYP understand the value of money","Children understand that there is a difference between 'price' and 'value' and that some things are better value than others","A packet of chocolate biscuits costs £1 in one shop.  In another shop they have five packets of the same chocolate biscuits on sale for £3.  \n\nWhich shop sells the biscuits at the best value?\nFirst\nSecond\nDon't know\n\n",null,"N","\"Don't know\" would cover inability to answer the question and inability to understand the word \"value\".",null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D193))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D193))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D193))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F193))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G193))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H193))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I193))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I193))),\"\")","v":""}]
[false,"Out","7-11 yrs",194,"Ability","Understanding money management","CYP understand the value of money","Children understand how to shop around to get the best value for money, and why this is important","Imagine you want a bike and your mum or dad offers to buy you a new one.  What do you think your mum or dad should do?\n\n - Go to your local bike shop and buy the one which you like the best\n - Go to two or three different bike shops and look at the prices of different bicycles, before deciding which one to buy\n",null,"N","Question can be administered across a range of modes (e.g. interviewer administered, paper or web self-completion).",null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D194))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D194))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D194))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F194))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G194))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H194))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I194))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I194))),\"\")","v":""}]
[false,"Out","7-11 yrs",195,"Ability","Understanding money management","CYP know how to keep track of their money, and set and stick to a budget","Children know roughly how much money they have and can keep track of their money & spending using simple financial records (e.g. counting the money in a money box and writing down what they have and spend, checking their bank statements, etc.)","ASK ALL WITH A BANK ACCOUNT:\nWhich of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)\n\nASK ALL WITH MONEY (CODES 2-6 at first question): \nDo you know how much money you have in total? (IF HAVE BANK ACCOUNT INSERT [“including in your bank”])\nSC\n1. No \n2. Yes, roughly\n3. Yes exactly","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D195))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D195))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D195))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F195))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G195))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H195))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I195))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I195))),\"\")","v":""}]
[false,{"$f":"IF(A198=TRUE,\"In\",\"Out\")","v":"Out"},"7-11 yrs",196,"Ability","Understanding money management","CYP know how to keep track of their money, and set and stick to a budget","Children know roughly how much money they have and can keep track of their money & spending using simple financial records (e.g. counting the money in a money box and writing down what they have and spend, checking their bank statements, etc.)","When you buy things using your money, do you keep track of how much you spend and how much you have left? \n\n1. I do this a lot\n2. I do this sometimes\n3. I rarely do this\n4. I never do this\n5. I do not have my own money to spend\n6.  Don’t Know\n",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D196))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D196))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D196))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F196))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G196))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H196))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I196))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I196))),\"\")","v":""}]
[false,"Out","7-11 yrs",197,"Ability","Understanding money management","CYP know how to keep track of their money, and set and stick to a budget","Children know how to check a bank balance and read a bank statement","BSQ: Looking at this example of a bank statement, how much money was in the account at the end of February?\n\nDon't know","Y","Y-BSQ",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D197))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D197))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D197))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F197))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G197))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H197))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I197))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I197))),\"\")","v":""}]
[false,"Out","7-11 yrs",198,"Ability","Understanding money management","CYP know how to keep track of their money, and set and stick to a budget","Children know they need to keep information about their accounts safe","Alfie and Helen both decide to put their money in a bank account.  They are both given a bank book with information about their account.\n\nAlfie keeps his bank book in his school bag so he can find it easily.  Helenkeeps hers in safe place at home.  Who do you agree with most, Alfie or Helen?\n\nAlfie\nHelen\nNeither/don't know\n",null,"N","Question can be administered across a range of modes (e.g. interviewer administered, paper or web self-completion).",null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D198))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D198))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D198))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F198))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G198))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H198))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I198))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I198))),\"\")","v":""}]
[false,"Out","7-11 yrs",199,"Ability","Understanding money management","CYP know how to save up for things they want and why it is good to save","Children know how to make deposits into an account","ASK ALL WITH A BANK ACCOUNT:\nWhich of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D199))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D199))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D199))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F199))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G199))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H199))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I199))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I199))),\"\")","v":""}]
[false,"Out","7-11 yrs",200,"Ability","Understanding money management","CYP know how to save up for things they want and why it is good to save","Children understand why saving money for something you want to buy is important ","A. Do you save money, for example at home in a money box or in a savings account? Please choose one answer.\na) Yes I save regularly\nb) Yes, but only occasionally\nc) No\n\n\nASK IF ANSWERED a or b for A\nPeople save for different reasons. Which of these statements best describes why you save? Please choose one answer.\na) I’m saving because my parents or guardians say it’s a good idea\nb) I’m saving up for a specific thing I want to buy\nc) I’m saving because I want to but not towards anything in particular\nd) I’m only saving because my parents or guardians make me\n",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D200))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D200))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D200))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F200))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G200))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H200))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I200))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I200))),\"\")","v":""}]
[false,"Out","7-11 yrs",201,"Ability","Understanding money management","CYP know how to save up for things they want and why it is good to save","Children know how to put money aside for the future (5-7)","Where can you save your money?\nMC\n1. Purse or wallet\n2. Piggy bank or cash box at home\n3. My parent/carer looks after it for me\n4. Bank account (or building society or credit union account)\n5. Somewhere else\n6. Don’t know (SC)",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D201))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D201))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D201))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F201))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G201))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H201))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I201))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I201))),\"\")","v":""}]
[false,"Out","7-11 yrs",202,"Ability","Understanding money management","CYP can apply their numeracy skills to financial issues","Children can calculate what interest they would be paid or would owe if they saved or borrowed money","Suppose you put £100 into a savings account with a guaranteed interest rate of 2% per year. You don’t make any further payments into this account and you don’t withdraw any money.\nHow much would be in the account at the end of the first year, once the interest payment is made?   \nENTER AMOUNT\n Don’t know",null,"N","n.b. may be only suitablefor older children in this age range",null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D202))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D202))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D202))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F202))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G202))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H202))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I202))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I202))),\"\")","v":""}]
[false,"Out","7-11 yrs",203,"Ability","Understanding money management","CYP can apply their numeracy skills to financial issues","Children can work out how long they will need to save for to be able to buy something if they are saving a set amount a week","Greg gets £5 a week pocket money. How long would it take Greg to save up his pocket money to buy a book that costs £25?\n",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D203))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D203))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D203))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F203))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G203))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H203))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I203))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I203))),\"\")","v":""}]
[false,"Out","7-11 yrs",204,"Ability","Understanding the role of money in society","CYP understand the different sources of money","Children understand the different sources that people get their money from in adulthood","How do you think adults get the money they spend? \n\nEarn money by going to work\nFrom the pocket money they saved up\nFrom the Government/from benfits\nFrom going to the shops",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D204))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D204))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D204))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F204))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G204))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H204))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I204))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I204))),\"\")","v":""}]
[false,"Out","7-11 yrs",205,"Ability","Understanding the role of money in society","CYP understand the different sources of money","Children understand that there are a range of jobs and that different jobs pay different amounts (including some that are unpaid)","Please say whether you think this is true or not true.\n\n\nThe amount of money adults get from working is the same for all jobs\n1. True\n2. Not true\n",null,"N","Question can be administered across a range of modes (e.g. interviewer administered, paper or web self-completion).",null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D205))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D205))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D205))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F205))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G205))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H205))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I205))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I205))),\"\")","v":""}]
[false,"Out","7-11 yrs",206,"Ability","Understanding the role of money in society","CYP understand the different sources of money","Children understand that the choices they make around school and work will affect the amount of money they have when they're older","Which of these statements is true?\n                                                                                                   \n1. Children who do well at school will find it easier to get well-paid jobs when they grow up\n2. It doesn't matter how well you do at school, you will find a well-paid job if you look hard",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D206))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D206))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D206))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F206))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G206))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H206))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I206))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I206))),\"\")","v":""}]
[false,"Out","7-11 yrs",207,"Ability","Understanding the role of money in society","CYP understand that companies exist to make money","Children understand that adverts (e.g. in shops, online and on TV) are designed to make people buy things","What are adverts for?\n\nTo tell you about things you need\nTo make you buy things\nTo entertain you\nTo teach you new songs\nTo give you a break from watching something\n",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D207))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D207))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D207))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F207))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G207))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H207))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I207))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I207))),\"\")","v":""}]
[false,"Out","7-11 yrs",208,"Ability","Understanding the role of money in society","CYP understand that companies exist to make money","Children understand that companies exist to make money","Which of the following things do you think are most important to companies like shops?\n\nTo sell things\nTo help people\nTo make money/to make  profit\nTo make sure people don't spend too much money\nTo be easy to get to\nTo be open seven days a week",null,"N","Answer would be recorded as \"correct\" if correctly identify \"to make money\" as one of their chosen options.\n\nQuestions would be suitable across a variety of modes.",null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D208))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D208))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D208))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F208))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G208))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H208))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I208))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I208))),\"\")","v":""}]
[false,"Out","7-11 yrs",209,"Ability","Understanding the role of money in society","CYP understand that taxes are collected and what they are used for","Children understand that the Government takes money taken from people's earnings to pay for things we all need (e.g. schools, hospitals and rubbish collection)","Can you pick the description that best fits these words?\n\nInterest\nTax\n\nThe money that is added to savings by banks or building societies\nThe money people pay to government\nThe money you get when you retire from working\nThe amount you have in your bank account\n\nDON'T KNOW\n\n\nTax is money that the Government takes from the money that people earn. What is tax for?\n\nTo pay for things like hospitals and roads\nTo make sure people don't earn too much\nTo pay for lottery prizes\nTo pay for police and schools\nTo pay for supermarkets","Y","N","Draw a line between word and description if on paper or use drag and drop if online",null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D209))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D209))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D209))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F209))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G209))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H209))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I209))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I209))),\"\")","v":""}]
[null,"Out","7-11 yrs",210,"Ability","Understanding values and emotions around money","CYP understand their own values and feelings around money",null,null,null,"N","Indicators removed across all age groups in line with adult f/w, as research needed to determine what this looks like",null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D210))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D210))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D210))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F210))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G210))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H210))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I210))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I210))),\"\")","v":""}]
[null,"Out","7-11 yrs",211,"Ability","Understanding values and emotions around money","CYP understand their own values and feelings around money",null,null,null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D211))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D211))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D211))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F211))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G211))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H211))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I211))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I211))),\"\")","v":""}]
[false,"Out","7-11 yrs",212,"Ability","Basic skills","CYP have good literacy skills","Children perform at age appropriate levels in standardised literacy tests","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D212))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D212))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D212))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F212))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G212))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H212))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I212))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I212))),\"\")","v":""}]
[false,"Out","7-11 yrs",213,"Ability","Basic skills","CYP have good numeracy skills","Children perform at age appropriate levels in standardised numeracy tests","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D213))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D213))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D213))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F213))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G213))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H213))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I213))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I213))),\"\")","v":""}]
[false,"Out","7-11 yrs",214,"Ability","Basic skills","CYP have good problem solving skills","Children can identify and understand a problem","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D214))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D214))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D214))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F214))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G214))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H214))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I214))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I214))),\"\")","v":""}]
[false,"Out","7-11 yrs",215,"Ability","Basic skills","CYP have good problem solving skills","Children can plan ways to solve a problem","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D215))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D215))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D215))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F215))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G215))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H215))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I215))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I215))),\"\")","v":""}]
[false,"Out","7-11 yrs",216,"Ability","Basic skills","CYP have good problem solving skills","Children can monitor progress in tackling a problem","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D216))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D216))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D216))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F216))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G216))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H216))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I216))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I216))),\"\")","v":""}]
[false,"Out","7-11 yrs",217,"Ability","Basic skills","CYP have good problem solving skills","Children can review solutions to problems and modify them if necessary","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D217))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D217))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D217))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F217))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G217))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H217))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I217))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I217))),\"\")","v":""}]
[false,"Out","11-14 yrs",218,"Financially capable behaviour",0,"CYP have their own regular source of money","Young people receive a set amount of pocket money or allowance on a regular basis (5-7, 7-11)","Where do you get your money from? \nMULTICODE OK. RANDOMISE CODES 1-6\n1. I do not get any money from my parents or other people – SC\n2. Pocket money or allowance from my parents or carers\n3. From my parents or carers as a reward for doing something\n4. Pocket money from other members of my family \n5. Birthdays, Christmas or special occasions\n6. Other (Please write in)\n\nASK ALL WITH POCKET MONEY (CODES 2 and 4 above): \nDo you receive the same amount of pocket money/allowance each week/month? \n1. Yes, the same\n2. No, it varies\n3. Don’t know","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D218))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D218))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D218))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F218))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G218))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H218))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I218))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I218))),\"\")","v":""}]
[false,"Out","11-14 yrs",219,"Financially capable behaviour","Managing your money well day-to-day",null,"Young people keep their money in a safe place and keep information about their current and savings accounts safe (7-11)","A bank account is somewhere people can keep their money rather than keeping it at home. Credit union and building society accounts are like bank accounts, if you have a credit union or building society account you should answer yes to this question. Do you have a bank account of your own?\n\nSC\n1. Yes\n2. No\n3. I don’t know if I have one\n\n\nASK ALL WITH MONEY (CODES 2-6 at first question): \n(IF HAVE BANK ACCOUNT INSERT [“Apart from in your bank account(s)”] Where do you keep your money?\nMC\n1. Purse or wallet\n2. Piggy bank or cash box at home\n3. My parent/carer looks after it for me\n4. Nowhere in particular (SC)\n5. Somewhere else\n6. Don’t know (SC)\n\nIF HAVE BANK ACCOUNT\nB,.Do you have any of the following wth your bank account? Pick all that apply\nPlastic card\nPIN (number)\nBank book\nAbility to access your account online\nNone of these\n\nIF HAVE A BANK BOOK OR CARD\nC.Where do you keep your bank card or bank book? You can pick more than one answer.\nIn my purse/wallet\nMy parents keep it\nIn a safe place at home\nSomewhere else\nI don't have a special place where I keep this/these items\n\nIF HAVE A PIN NUMBER\nD.Do you keep your PIN number written down so you remember it?  You can pick all that apply\nYes, in my purse/wallet\nYes, at home\nYes, stored on a computer, tablet or phone\nNo, I just remember it in my head \nI don't use my PIN number/I have forgotten it\n\nIF HAVE AN ONLINE ACCOUNT\nE. Do you keep your online bank account login details written down so you remember them? You can pick all that apply\nYes, in my purse/wallet\nYes, at home\nYes, stored on a computer, tablet or phone\nNo, I just remember it in my head \nI don't use my online bank account/I have forgotten how to log in\n","Y (first Q; second Q)","??",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D219))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D219))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D219))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F219))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G219))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H219))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I219))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I219))),\"\")","v":""}]
[false,"Out","11-14 yrs",220,"Financially capable behaviour","Managing your money well day-to-day",null,"Young people have money saved up (5-7, 7-11)","ASK ALL WITH MONEY (CODES 2-6 at first question): \nDo you know how much money you have in total? (IF HAVE BANK ACCOUNT INSERT [“including in your bank”])\nSC\n1. No \n2. Yes, roughly\n3. Yes exactly\n\n\nASK ALL WITH MONEY (CODES 1-6 at first question):  \nWhen you get money, how often do you save at least some of it, [say by putting it in a piggy bank or cash box or into your bank account]?\nSELECT ONE ONLY\n1. Every time I get money\n2. Most times I get money\n3. Sometimes\n4. Never\n5. Don’t know","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D220))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D220))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D220))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F220))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G220))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H220))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I220))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I220))),\"\")","v":""}]
[false,"Out","11-14 yrs",221,"Financially capable behaviour","Managing your money well day-to-day",null,"Young people know how much money they have (Including savings) and keep track of their spending, including by checking bank statements / online banking","ASK ALL WITH A BANK ACCOUNT:\nWhich of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)\n\nASK ALL WITH MONEY (CODES 2-6 at first question): \nDo you know how much money you have in total? (IF HAVE BANK ACCOUNT, including in your bank)\n1. No \n2. Yes, roughly\n3. Yes exactly\n\nHow do you keep track of the money you get and the money you spend?\nMULTI\n\nOnline budgeting tool\nOnline bank account\nSpreadsheet\nPiece of paper\nIn my head (mentally)\nChecking my bank balance at a cash machine\nReviewing my bank statements\nOn a mobile app\nI don't keep track\nDon't know","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D221))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D221))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D221))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F221))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G221))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H221))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I221))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I221))),\"\")","v":""}]
[false,"Out","11-14 yrs",222,"Financially capable behaviour","Managing your money well day-to-day",null,"Young people set themselves a budget that's appropriate and realistic for their circumstances and stick to it","\nDo you ever make a plan on how you will spend and save your money? For example by setting yourself a budget.\nCHOOSE ONE ONLY\n1. Yes\n2. No\n\n{If yes}\nAnd, how often do you keep to your plan or budget?\nCHOOSE ONE ONLY\nNever\nRarely\nSometimes\nOften\nDon't know",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D222))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D222))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D222))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F222))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G222))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H222))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I222))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I222))),\"\")","v":""}]
[false,"Out","11-14 yrs",223,"Financially capable behaviour","Managing your money well day-to-day",null,"Young people make choices about how to spend their money that are based on their needs and on value for money","When you want to buy something for yourself, how often... \n\nNever\nRarely\nSometimes\nOften\nDon't know\n\n...  do you think about whether your friends would approve of the item?\n...  do think about how much money you will have left to spend on other things?\n...  do think about how attractive or cool the item is?\n...  do think about how long the item will last?\n...  do think about whether the item is good value for money?\n... do you think about whether you should save your money for another day?","Y (some options)","N","Add to other questions with same opening statement if present in your questionnaire",null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D223))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D223))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D223))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F223))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G223))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H223))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I223))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I223))),\"\")","v":""}]
[false,"Out","11-14 yrs",224,"Financially capable behaviour","Managing your money well day-to-day",null,"Young people shop around to get the best deal (7-11)","When you want to buy something for yourself, how often... do  you look in different places or stores to compare prices?\nNever\nRarely\nSometimes\nOften\nDon't know","Y (some options)","N","Add to other questions with same opening statement if present in your questionnaire",null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D224))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D224))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D224))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F224))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G224))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H224))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I224))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I224))),\"\")","v":""}]
[false,"Out","11-14 yrs",225,"Financially capable behaviour","Managing your money well day-to-day",null,"Young people save up for things they want to buy and can save over a longer time period (at least 6 months)","What is the longest time you have saved up for? (for example to buy something you wanted)\nSC\n1. I haven’t saved up money before\n2. Less than a week\n3. More than a week but less than month\n4. More than a month but less than a year\n5. More than a year\n6. Don’t know","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D225))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D225))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D225))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F225))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G225))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H225))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I225))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I225))),\"\")","v":""}]
[false,"Out","11-14 yrs",226,"Financially capable behaviour","Managing your money well day-to-day",null,"Young people talk about money with friends and family openly (5-7, 7-11)","Do you talk about your money with any of the following people?\n\nMULTI\n\nI never talk about money (SC)\nFriends\nParents or carers\nTeachers\nMy brothers and sisters\nGrandparents or other family members\nDon't know (SC)","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D226))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D226))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D226))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F226))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G226))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H226))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I226))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I226))),\"\")","v":""}]
[false,"Out","11-14 yrs",227,"Connection","Access to and use of financial products and advice","CYP have access to their own financial products from a young age","Young people have access to their own current account (at a bank, building society, credit union, etc.)","A bank account is somewhere people can keep their money rather than keeping it at home. Credit union and building society accounts are like bank accounts, if you have a credit union or building society account you should answer yes to this question. Do you have a bank account of your own?\n\nSC\n1. Yes\n2. No\n3. I don’t know if I have one\n\nASK ALL WITH A BANK/BS ACCOUNT (CODE 1 at question above): \nDo you know what type of bank account you have? Is it a….\nSINGLE CODE\n1. Current account\n2. Savings account\n3. I have both a current and a savings account\n4. I don’t know what type of bank account I have","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D227))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D227))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D227))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F227))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G227))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H227))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I227))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I227))),\"\")","v":""}]
[false,"Out","11-14 yrs",228,"Connection","Access to and use of financial products and advice","CYP have access to their own financial products from a young age","Young people have access to and use a debit card linked to their current account","ASK ALL WITH A BANK ACCOUNT:\nWhich of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D228))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D228))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D228))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F228))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G228))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H228))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I228))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I228))),\"\")","v":""}]
[false,"Out","11-14 yrs",229,"Connection","Access to and use of financial products and advice","CYP have access to their own financial products from a young age","Young people have access to their own savings account (at a bank, building society, credit union, etc.)","A bank account is somewhere people can keep their money rather than keeping it at home. Credit union and building society accounts are like bank accounts, if you have a credit union or building society account you should answer yes to this question. Do you have a bank account of your own?\n\nSC\n1. Yes\n2. No\n3. I don’t know if I have one\n\nASK ALL WITH A BANK/BS ACCOUNT: \nYP2 Do you know what type of bank account you have? Is it a….\nSINGLE CODE\n1. Current account\n2. Savings account\n3. I have both a current and a savings account\n4. I don’t know what type of bank account I have","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D229))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D229))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D229))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F229))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G229))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H229))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I229))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I229))),\"\")","v":""}]
[false,"Out","11-14 yrs",230,"Connection","Access to and use of financial products and advice","CYP have access to their own financial products from a young age","Young people have experience of managing their bank accounts online where this is available","ASK ALL WITH A BANK ACCOUNT:\nWhich of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D230))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D230))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D230))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F230))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G230))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H230))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I230))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I230))),\"\")","v":""}]
[false,"Out","11-14 yrs",231,"Connection","Access to and use of financial products and advice","CYP are given experience of choosing their own financial products","Young people are involved in the process of choosing and setting up their own current or savings accounts (7-11)","How involved are you in the following decisions about your money? \n(Fully involved / Partly involved / Not at all involved)\n\nChoosing my bank or savings account",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D231))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D231))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D231))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F231))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G231))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H231))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I231))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I231))),\"\")","v":""}]
[false,"Out","11-14 yrs",232,"Connection","Access to and use of financial products and advice","CYP are given experience of choosing their own financial products","Young people are involved in the process of choosing and setting up their own mobile phone provider and package (if they own a mobile phone)","Do you get to have a choice in?\n \nThe cost of your mobile phone call and data package \n\n1. Yes\n2. No\n3. Don't know\n4. I don’t have a mobile phone",null,"N","Add to other questions with same opening statement if present in your questionnaire",null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D232))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D232))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D232))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F232))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G232))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H232))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I232))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I232))),\"\")","v":""}]
[false,"Out","11-14 yrs",233,"Connection","Access to and use of financial products and advice","CYP recieve advice and guidance about money as well as wider life goals","Young people receive money advice and guidance from their family, teachers and other appropriate sources around money (3-5, 5-7, 7-11)","How often do your parents or carers teach you about  money and spending?\nNever\nRarely\nSometimes\nOften\nDon't know\n\nHow often do your teachers teach you about  money and spending?\nNever\nRarely\nSometimes\nOften\nDon't know",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D233))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D233))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D233))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F233))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G233))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H233))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I233))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I233))),\"\")","v":""}]
[false,"Out","11-14 yrs",234,"Connection","Access to and use of financial products and advice","CYP recieve advice and guidance about money as well as wider life goals","Young people receive money advice and guidance from their family, teachers and other appropriate sources around money (3-5, 5-7, 7-11)","If you needed advice about money, who would you ask?\n\nPlease select all that apply.\n\nMULTICODE ALLOWED\n\nMy parents\nMy friends\nMy teachers\nOther family members (write in)\nInternet site (write in)\nA bank, building society or other financial organisation\nTV programmes (write in)\nOther (write in)\nI do not ask for advice about money\n\n\nHave you learnt about how to manage your money in school or college?\n(SINGLE)\n\nYes\nNo\nNot sure or don't remember\n\nWhich subjects did you learn how to manage your money in?\nMULTI\n\nMaths\nPSHE\nCitizenship\nBusiness & Finance\nEnterprise\nOther (please specify)\nDon't know","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D234))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D234))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D234))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F234))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G234))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H234))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I234))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I234))),\"\")","v":""}]
[false,"Out","11-14 yrs",235,"Connection","Access to and use of financial products and advice","CYP recieve advice and guidance about money as well as wider life goals","Young people receive advice and guidance from their family, teachers and other appropriate sources on their education and career options","How confident are you that you know who to turn to for advice about education and careers?\n1. Very confident\n2. Fairly confident\n3. Not very confident\n4. Not at all confident\n\n\nWhich of the following people have given you advice about your education and career options. Select all that apply:\n1. Parents\n2. Siblings\n3. Other family members\n4. Friends\n5. A careers adviser or careers teacher at school\n6. Other teachers at school\n7. A Connexions personal adviser\n8. Someone else at Connexions\n9. Someone else (Please specify______)",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D235))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D235))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D235))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F235))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G235))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H235))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I235))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I235))),\"\")","v":""}]
[false,"Out","11-14 yrs",236,"Connection","Exposure to family finances","CYP witness financial transactions and processes","Young people regularly see adults checking the balance on their current and savings accounts, and checking transactions (5-7, 7-11) ","How often do your parents do the following in things when you are with them?\n                                        \n- Check their bank balance                           \n- Use their online banking                  \n- Check their debit or credit card statements\n- Check they were given the correct change\n\nNever\nRarely\nSometimes\nOften\nDon't know",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D236))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D236))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D236))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F236))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G236))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H236))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I236))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I236))),\"\")","v":""}]
[false,"Out","11-14 yrs",237,"Connection","Exposure to family finances","CYP are involved in discussions and decisions about household spending","Young people are involved when everyday household spending decisions are being taken (e.g. about the weekly shop) and trade-offs are being made (5-7, 7-11)","Do you get to have a choice in?\n \n1. Family days out or holidays \n2. What to buy in the family food shop\n\n1. Yes\n2. No\n3. Don't know\n\n\n","Y","N","Add to other questions with same opening statement if present in your questionnaire",null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D237))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D237))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D237))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F237))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G237))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H237))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I237))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I237))),\"\")","v":""}]
[false,"Out","11-14 yrs",238,"Connection","Exposure to family finances","CYP are involved in discussions and decisions about household spending","Young people are involved when everyday household spending decisions are being taken (e.g. about the weekly shop) and trade-offs are being made (5-7, 7-11)","Here are some things that people your age have said about money. How strongly do you agree or disagree with them\nROTATE STATEMENTS\nSelect one for each row\nMy parents or carers discuss with me what we can and can’t afford to buy (11-17 only)\nI don't like it when my parents or carers say I cannot have things I see in shops\nI don’t like it when friends have things I don’t have\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know \n","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D238))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D238))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D238))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F238))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G238))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H238))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I238))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I238))),\"\")","v":""}]
[false,"Out","11-14 yrs",239,"Connection","Experience of managing your own money (and the risks that come with it)","CYP have their own regular source of money","Young people receive a set amount of pocket money or allowance on a regular basis (5-7, 7-11)","Where do you get your money from? \nMULTICODE OK. RANDOMISE CODES 1-6\n1. I do not get any money from my parents or other people – SC\n2. Pocket money or allowance from my parents or carers\n3. From my parents or carers as a reward for doing something\n4. Pocket money from other members of my family \n5. Birthdays, Christmas or special occasions\n6. Other (Please write in)\n\nASK ALL 7-17 YEAR OLDS WITH POCKET MONEY (CODES 1 at CYP2): \nCYP3 Do you receive the same amount of pocket money/allowance each week/month? \n1. Yes, the same\n2. No, it varies\n3. Don’t know\n\n\n","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D239))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D239))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D239))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F239))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G239))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H239))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I239))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I239))),\"\")","v":""}]
[false,"Out","11-14 yrs",240,"Connection","Experience of managing your own money (and the risks that come with it)","CYP have responsibility for managing their own money","Young people look after their money themselves","IF HAVE BANK ACCOUNT:\nA: Can you take money out of your bank account without your parents' permission? Y/N\n\nB: Do your parents control the amount of money you take out of your bank account? Y/N\n\nIF DO NOT HAVE BANK ACCOUNT\nC: Can you spend your own money without your parents' permission? Y/N\n\nD: Do your parents control the amount of money you spend? Y/N",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D240))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D240))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D240))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F240))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G240))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H240))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I240))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I240))),\"\")","v":""}]
[false,"Out","11-14 yrs",241,"Connection","Experience of managing your own money (and the risks that come with it)","CYP have responsibility for managing their own money","Young people make their own decisions about how to spend or save their money","When you have money, who usually decides whether you save any of it? \nSC\n\nMy parents or carers decide \nI decide\nWe both decide\nDon’t know\n\nWhen you have money, who usually decides what you spend it on?\nSC\n \nMy parents or carers decide\nI decide\nWe both decide\nDon’t know","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D241))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D241))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D241))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F241))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G241))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H241))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I241))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I241))),\"\")","v":""}]
[false,"Out","11-14 yrs",242,"Connection","Experience of managing your own money (and the risks that come with it)","CYP have responsibility for managing their own money","Young people are given responsibility for paying for some of the things they need out of their pocket money or allowance, e.g. mobile phone, travel or toiletries","Do you have to pay for any of the following things out of your pocket money or allowance?\n\n\nNon-school clothes & shoes\n\nToiletries & cosmetics\n\nSnacks or sweets\n\nPresents for other people\n\nToys or games or gadgets\n\nGoing out with your friends\n\nNo - my parents pay for this for me\nYes - I sometimes pay for this from my own money\nYes - I mainly pay for this from my own money","Y (amended version)","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D242))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D242))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D242))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F242))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G242))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H242))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I242))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I242))),\"\")","v":""}]
[false,"Out","11-14 yrs",243,"Connection","Experience of managing your own money (and the risks that come with it)","CYP have experience of paying for goods and activities","Young people pay for things online (where able to) with their own money (such as apps, games or music) without supervision","Have you ever bought something online by yourself?\n\nYes\nNo\nDon't know\n\nWhich of the following methods have you used to pay for things online?\n\nCash\nDebit card\nCredit card\nVoucher for an online shop\nOnline account (e.g. Paypal)\nOther (specify)\nI don't know how I paid for things online\nI don't pay for things online",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D243))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D243))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D243))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F243))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G243))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H243))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I243))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I243))),\"\")","v":""}]
[false,"Out","11-14 yrs",244,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP believe it's important to manage your money well and think carefully about how you spend it","Young people believe it is important to keep track of their money (7-11)","How important is it to check how much money you have?\n\nVery important\nQuite important\nNot very important\nNot at all important",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D244))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D244))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D244))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F244))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G244))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H244))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I244))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I244))),\"\")","v":""}]
[false,"Out","11-14 yrs",245,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP believe it's important to manage your money well and think carefully about how you spend it","Young people believe it is important to think carefully about what they spend their money on (7-11)","Imagine you were given £5 to spend on a school trip. Would you plan how to spend the money and then stick to that plan? For example, would you work out how much you want to spend on different things like sweets or presents.\n1. Yes, I would make a plan and stick to it\n2. Yes, I would make a plan but would be unlikely to stick to it\n3. No, I wouldn’t make a plan\n4. Don’t know","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D245))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D245))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D245))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F245))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G245))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H245))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I245))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I245))),\"\")","v":""}]
[false,"Out","11-14 yrs",246,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP believe it's important to manage your money well and think carefully about how you spend it","Young people think it's important to shop around for things that they need  and look for the best deals in order to make their money go further (7-11)","\nImagine you need to buy a present. What do you do?\n\nGo to the nearest shop and buy the thing you want\nLook around a few different shops to see where it is cheapest\nLook online to find the cheapest price\nSomething else\nDon't know",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D246))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D246))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D246))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F246))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G246))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H246))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I246))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I246))),\"\")","v":""}]
[false,"Out","11-14 yrs",247,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP think it's good to plan for the future and save up for things","Young people think that saving money for larger purchases is an important thing to do","Imagine you want to buy something expensive. How would you get the money?\n\nI would save some money every week or month for it\n\nI would borrow money from my friends or family\n\nMy parents or guardian would pay for it\n\nSomeone else in my family would pay for it\n\nI would just not buy it\n\nOther\n\nDon't know",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D247))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D247))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D247))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F247))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G247))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H247))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I247))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I247))),\"\")","v":""}]
[false,"Out","11-14 yrs",248,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP think it's good to plan for the future and save up for things","Young people think it's important for them to save for the future","How important do you think it is for you to save-up your money for the future in general?\n1. Very important\n2. Quite important\n3. Not that important \n4. Not important at all \n\nOR\n\n1. Very important\n2. Fairly important\n3. Neither important not unimportant\n4. Fairly unimportant\n5. Very unimportant",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D248))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D248))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D248))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F248))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G248))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H248))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I248))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I248))),\"\")","v":""}]
[false,"Out","11-14 yrs",249,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP think it's good to plan for the future and save up for things","Young people think it's important for them to save for the future","Imagine someone gives you £10. How much would you spend and how much would you save for later?   \n(if online) SLIDER SCALE – Save £10 to Spend £10 – use £1 increments\n(if on paper) Spend all of it; Spend more than half; Spend about half; Spend less than half; Save all of it","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D249))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D249))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D249))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F249))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G249))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H249))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I249))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I249))),\"\")","v":""}]
[false,"Out","11-14 yrs",250,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP have a cautious attitude to borrowing and debt","Young people believe they should not borrow money from friends or family if they cannot pay it back (7-11)","Below are some things people your age have said about borrowing money. Which one best describes how you feel about borrowing money?\n\nSINGLE\n\nI'd rather not borrow money\nBorrowing money is OK, but only if I can pay it back\nBorrowing money does not bother me at all, even if I can't afford to pay it back\nI don't know","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D250))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D250))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D250))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F250))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G250))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H250))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I250))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I250))),\"\")","v":""}]
[false,"Out","11-14 yrs",251,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP accept that they cannot have everything they want and that everyone has to make trade-offs with their money","Young people don't get angry or upset when they can't have something they want but don't need (5-7, 7-11)","Here are some things that people your age have said about money. How strongly do you agree or disagree with them\nROTATE STATEMENTS\nSelect one for each row\nMy parents discuss with me what we can and can’t afford to buy (11-17 only)\nI don't like it when my parents or carers say I cannot have things I see in shops\nI don’t like it when friends have things I don’t have\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know\n","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D251))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D251))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D251))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F251))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G251))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H251))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I251))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I251))),\"\")","v":""}]
[false,"Out","11-14 yrs",252,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP accept that they cannot have everything they want and that everyone has to make trade-offs with their money","Young people don't continue to ask for things after they've been told they can't have them, or that they will have to wait for them","Imagine you want something that is expensive.  You ask your parents to buy it for you but they say \"No\".  Here are some things other young people have said they would do.  Which would you most likely do? \n\nKeep asking and hope that they will eventually say yes\nWait until a special occasion (e.g. birthday or Christmas)\nWait until I have enough money to buy it myself\nNothing, accept that I can't have it",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D252))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D252))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D252))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F252))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G252))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H252))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I252))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I252))),\"\")","v":""}]
[false,"Out","11-14 yrs",253,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP feel confident and in control of their financial situation","Young people feel confident to manage their own money (7-11)","How confident do you feel managing your money?\n\nPlease answer on a scale of 0 to 10, where 0 is 'not at all confident' and 10 is 'very confident'","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D253))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D253))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D253))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F253))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G253))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H253))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I253))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I253))),\"\")","v":""}]
[false,"Out","11-14 yrs",254,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP feel confident and in control of their financial situation","Young people believe that they can influence and improve their own financial situation through the choices they make","To what extent do you agree or disagree with the following\n\nNothing I do will make much difference to my money situation (11+)\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D254))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D254))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D254))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F254))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G254))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H254))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I254))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I254))),\"\")","v":""}]
[false,"Out","11-14 yrs",255,"Mindset","Money and values","CYP do not value themelves or others by their material possessions","When making friends, material possessions are not the most important factor for young people (7-11)","Which of the following things would you look for in a new friend?:\n1. Whether they are clever\n2. Whether they are cool or attractive\n3. Whether they own cool things\n4. Whether they are funny\n5. Whether they have the same hobbies as you\n6. Whether they are rich\n7. None of the above\n ",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D255))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D255))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D255))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F255))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G255))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H255))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I255))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I255))),\"\")","v":""}]
[false,"Out","11-14 yrs",256,"Mindset","Money and values","CYP do not value themelves or others by their material possessions","Young people do not think that their possessions are the most important thing about them (7-11)","How important are each of the following to you (use importance scale listed above):\n1. Being popular at school\n2. Doing well in your school work\n3. Being viewed as cool or attractive\n4. Owning cool things\n5. Getting on well with your friends\n6. Getting on well with you family\n7. Being good at managing your money",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D256))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D256))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D256))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F256))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G256))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H256))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I256))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I256))),\"\")","v":""}]
[null,"Out","11-14 yrs",257,"Mindset","Money and values","CYP have a positive/healthy emotional relationship with money",0,"outcome added from adult fw, but as per adult fw further research is needed to understand what this is and what a suitable indicator & question would be",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D257))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D257))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D257))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F257))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G257))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H257))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I257))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I257))),\"\")","v":""}]
[false,"Out","11-14 yrs",258,"Mindset","Money and values","CYP feel comfortable talking openly about money with friends and family","Young people feel comfortable talking openly about money with friends and family (5-7, 7-11)","Do you talk about your money with any of the following people?\n\nMULTI\n\nI never talk about money (SC)\nFriends\nParents or carers\nTeachers\nMy brothers and sisters\nGrandparents or other family members\nDon't know (SC)","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D258))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D258))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D258))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F258))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G258))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H258))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I258))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I258))),\"\")","v":""}]
[false,"Out","11-14 yrs",259,"Mindset","Aspirations and goals","CYP aspire to be good at managing their money","Young people want to be good at managing their money (5-7, 7-11)","How important are each of the following to you (use importance scale listed above):\n1. Being popular at school\n2. Doing well in your school work\n3. Being viewed as cool or attractive\n4. Owning cool things\n5. Getting on well with your friends\n6. Getting on well with you family\n7. Being good at managing your money",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D259))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D259))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D259))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F259))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G259))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H259))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I259))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I259))),\"\")","v":""}]
[false,{"$f":"IF(A262=TRUE,\"In\",\"Out\")","v":"Out"},"11-14 yrs",260,"Mindset","Aspirations and goals","CYP have educational and career goals","Young people have goals around the education and qualifications they want to achieve ","Which, if any, of the following goals would you like to achieve in the next 5 years?\n\nMULTICODE\n\nNothing, I have no goals for the next 5 years (SC)\nGet into university\nGo travelling\nGet a secure job when I leave education\nMove out of parents' home\nGet my own car\nNot rely on my parents for money\nGo on holiday with my friends\nStay in education past the age of 16 (11-15)\nGet good grades in my homework\nMake it into a sports team or music group or drama production\nStay in education (11-14)\nI have other goals I would like to achieve","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D260))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D260))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D260))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F260))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G260))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H260))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I260))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I260))),\"\")","v":""}]
[false,"Out","11-14 yrs",261,"Mindset","Aspirations and goals","CYP have educational and career goals","Young people are starting to have goals around the job they want to do when they're older","Do you have any idea what job you would like to have when you are older? \n1. Yes- I know exactly what I want to be\n2. I have some ideas but I am not 100% decided\n3. No- I don't know what job I would like\n\n{If 1 or 2 above} How likely are you to get the type of job you would like in the future?\n1. Very likely\n2. Somewhat likely\n3. Not very likely\n4. Not at all likely",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D261))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D261))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D261))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F261))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G261))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H261))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I261))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I261))),\"\")","v":""}]
[false,"Out","11-14 yrs",262,"Mindset","Aspirations and goals","CYP have financial goals","Young people aspire to earn their own money rather than rely on others for money","Do you agree or disagree with the following statements?\n                                                       Agree                    Disagree\n\n1. It's important to earn your own money\n2. I would like to be able to pay my own way as soon as I'm old enough\n3. It's fine to not earn money because others will make sure you have enough to get by\n4. I'm looking forward to having a job and my own money\n5. It's a good idea to get a part-time job when you are old enough to earn money rather than relying on your parents",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D262))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D262))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D262))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F262))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G262))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H262))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I262))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I262))),\"\")","v":""}]
[false,"Out","11-14 yrs",263,"Mindset","Aspirations and goals","CYP have financial goals","Young people have a plan for saving up a certain amount of money so that they can pay for something that they want themselves (they have a savings goal) (5-7, 7-11)","Do you save money, for example at home in a money box or in a savings account? Please choose one answer.\na) Yes I save regularly\nb) Yes, but only occasionally\nc) No\n\n\nASK IF ANSWERED a or b for question above:\nPeople save for different reasons. Which of these statements best describes why you save? Please choose one answer.\na) I’m saving because my parents or guardians say it’s a good idea\nb) I’m saving up for a specific thing I want to buy\nc) I’m saving because I want to but not towards anything in particular\nd) I’m only saving because my parents or guardians make me",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D263))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D263))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D263))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F263))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G263))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H263))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I263))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I263))),\"\")","v":""}]
[false,"Out","11-14 yrs",264,"Mindset","General mindset","CYP have self-esteem","Young people have a sense of their own value or worth","Do you think that your parents usually like to hear about your ideas? (Yes/No/Don't know)\n\nWhen you have to say things in front of teachers, do you usually feel shy? (Yes/No/Don't know)\n\nAre there lots of things about yourself you would like to change? (Yes/No/Don't know)\n\nI have high self-esteem (7 point scale from Not very true of me to Very true of me)","Y (second Q; third Q; fourth Q)","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D264))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D264))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D264))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F264))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G264))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H264))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I264))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I264))),\"\")","v":""}]
[null,"Out","11-14 yrs",265,"Mindset","General mindset","CYP have self-esteem","Young people have a sense of their own value or worth",null,null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D265))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D265))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D265))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F265))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G265))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H265))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I265))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I265))),\"\")","v":""}]
[null,"Out","11-14 yrs",266,"Mindset","General mindset","CYP have self-esteem","Young people have a sense of their own value or worth",null,null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D266))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D266))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D266))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F266))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G266))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H266))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I266))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I266))),\"\")","v":""}]
[null,"Out","11-14 yrs",267,"Mindset","General mindset","CYP have self-esteem","Young people have a sense of their own value or worth",null,null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D267))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D267))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D267))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F267))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G267))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H267))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I267))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I267))),\"\")","v":""}]
[false,"Out","11-14 yrs",268,"Mindset","General mindset","CYP display self-control/self-regulation","Children show appropriate behaviour","I often fight with other people\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n\nI get angry quickly\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n\nI sometimes take things belonging to other people\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n\nI am generally willing to do what is asked of me (e.g. by teachers or parents)\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n\nOther people say I tell lies\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all","Y (second Q; fourth Q)","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D268))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D268))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D268))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F268))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G268))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H268))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I268))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I268))),\"\")","v":""}]
[false,"Out","11-14 yrs",269,"Mindset","General mindset","CYP display self-control/self-regulation","Children show appropriate behaviour","Parent-report items\n\nPlease say how true or untrue the following statements are of your child:\n{Child} Frequently fights with others \n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Is irritable or quick to get angry\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Sometimes takes/steals things from others\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Is often disobedient\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Often tells lies\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n","Y (second Q; fourth Q)","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D269))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D269))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D269))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F269))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G269))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H269))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I269))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I269))),\"\")","v":""}]
[false,"Out","11-14 yrs",270,"Mindset","General mindset","CYP display self-control/self-regulation","Children show perseverance","Setbacks don’t discourage me. \nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all \n\nI finish whatever I begin. \nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all \n\nI persist (carry on) with work whether it is difficult or not. \nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n","Y (third Q)","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D270))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D270))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D270))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F270))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G270))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H270))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I270))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I270))),\"\")","v":""}]
[false,"Out","11-14 yrs",271,"Mindset","General mindset","CYP have self-efficacy","Young people believe they can improve their abilities through personal effort","Do you usually feel that it's almost useless to try in school because most students are cleverer than you? (Yes/No/Don't know)\n\nWhen someone is very angry with you is it impossible to make him your friend again? (Yes/No/Don't know)\n\nWhen bad things happen to you it is usually someone else's fault? (Yes/No/Don't know)\n\nWhen nice things happen to you is it only good luck? (Yes/No/Don't know)","Y (fourth Q)","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D271))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D271))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D271))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F271))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G271))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H271))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I271))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I271))),\"\")","v":""}]
[false,"Out","11-14 yrs",272,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people know what bank accounts are, how they work and the benefits of having them","Do you know what a bank account is? (7-11)\n1. Yes\n2. No\n\n\nA bank account is somewhere people can keep their money rather than keeping it at home. Credit union and building society accounts are like bank accounts, if you have a credit union or building society account you should answer yes to this question. Do you have a bank account of your own?\n\nSC\n1. Yes\n2. No\n3. I don’t know if I have one\n\nASK ALL WITH A BANK ACCOUNT:\nWhich of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D272))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D272))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D272))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F272))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G272))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H272))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I272))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I272))),\"\")","v":""}]
[false,"Out","11-14 yrs",273,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language",null,"ASK ALL WITH A BANK/BS ACCOUNT: \nDo you know what type of bank account you have? Is it a….\nSINGLE CODE\n1. Current account\n2. Savings account\n3. I have both a current and a savings account\n4. I don’t know what type of bank account I have","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D273))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D273))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D273))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F273))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G273))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H273))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I273))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I273))),\"\")","v":""}]
[false,"Out","11-14 yrs",274,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people are aware of the different types of savings products available (eg. savings accounts, junior ISAs, child trust funds, etc.)","Before today, which of the following financial products had you heard of?\nCurrent account\nSavings account\nISAs\nChild trust funds or Junior ISAs\n\n\nWhich of the following do you have in your own name?\nCurrent account\nSavings account\nISAs\nChild trust funds or Junior ISAs",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D274))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D274))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D274))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F274))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G274))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H274))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I274))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I274))),\"\")","v":""}]
[false,"Out","11-14 yrs",275,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people understand how to set up a current or savings account (7-11)","Which of these statements is true?\n                                                                                                   \n1. You are automatically gi ven a bank account when you are born\n2. You or your parents have to choose and set up your own bank account\n\nTo set up a bank account which of these things do you think you would need?\n1. Name and address\n2. Date of birth\n3. Birth certificate\n4. Passport\n5. Note from your school\n6. Parents' personal details\n7. A computer/laptop/tablet\n8. A credit card\n9. Some money",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D275))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D275))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D275))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F275))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G275))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H275))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I275))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I275))),\"\")","v":""}]
[false,"Out","11-14 yrs",276,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people understand that borrowing money and not being able to pay it back can have negative consequences","Do you agree or disagree with the following statements?                      \n  \n1. Borrowing money is OK as long as you pay bits back regularly\n2. I could get into trouble if I borrowed lots of money\n3. If you borrow money and do not pay it back nothing will happen\n4. Borrowing money and not paying it back means people might not trust you in the future\n\nAgree\nDisagree\n\n","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D276))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D276))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D276))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F276))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G276))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H276))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I276))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I276))),\"\")","v":""}]
[false,"Out","11-14 yrs",277,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people understand what interest is, and how it can be added to money that people save or borrow (7-11)","Can you pick the word that best fits the description?\n\nThe amount the price of things in shops goes up by\n\nThe money that is added to savings by banks or building soceties\n\nThe money people pay to  government\n\nThe amount you get when you retire from working\n\nThe amount of money you have in your bank account\n\nInterest\nPension\nInflation\nBalance\nTax\nBenefit\nCredit\nDebit\nDon't know","Y","N","Draw a line between word and description if on paper or use drag and drop if online",null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D277))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D277))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D277))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F277))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G277))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H277))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I277))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I277))),\"\")","v":""}]
[false,"Out","11-14 yrs",278,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people understand that money can grow at different rates in different places","Which of the following statements is true and which is false:\n\nIt doesn't matter what kind of savings account you have, the interest rate is the same at all banks\nThere are some accounts which will give you a higher interest rate\nIf you negotiate with the bank, you can get a higher interest rate on your savings\nAll the savings accounts within the same bank offer the same interest rate",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D278))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D278))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D278))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F278))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G278))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H278))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I278))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I278))),\"\")","v":""}]
[false,"Out","11-14 yrs",279,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people understand that you can pay for things in different ways (eg. cash, direct debit from a bank account, debit card etc) and the reasons for chosing one method over another (7-11)","Have you seen your parents pay for things with…?\nMULTI\n\nMoney (notes or coins)\nDebit card\nOnline account (like Paypal)\nMobile phone\nCredit card\nNone of these (SC)\nDon't know (SC)\n\nIs this true or false?\n\nA debit card takes money directly from your bank account, a credit card lets you borrow money and pay it back later\n\nDirect debits can take money from your bank account each month for regular bills\n\nTrue\nFalse","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D279))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D279))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D279))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F279))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G279))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H279))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I279))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I279))),\"\")","v":""}]
[false,"Out","11-14 yrs",280,"Ability","Understanding financial products and concepts","CYP understand how to choose financial products that meet their needs","Young people understand the things they need to think about when choosing between different current or savings accounts (e.g. interest rates, how quickly and easily they can access the money, different account features etc.)","Which of these features should you think about when choosing a bank account?\nTick all that apply\n\n1. Having a bank card\n2. Picture on bank card\n3. How easy it is to get to the bank\n4. Whether my friends use the same bank\n5. Whether my parents use the same bank\n6. Whether you can bank online or through an app\n7. Interest rate on the money in the bank account\n8. Whether you can take money out straightaway or you have to wait\n9. How much money you can take out per day\n10. Special offers (e.g. free tickets/toy/piggy bank)\n11. Other (please write in)\n",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D280))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D280))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D280))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F280))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G280))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H280))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I280))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I280))),\"\")","v":""}]
[false,"Out","11-14 yrs",281,"Ability","Understanding money management","CYP understand the value of money","Young people can make spending decisions appropriate to their age based on their needs and priorities","When you have money, who usually decides what you spend it on?\nSINGLE\n\nMy parents or carers decide\nI decide\nWe both decide\nDon't know\n\nASK ALL WITH MONEY (CODES 2-6 at first question):  \nWhen you get money,  how often do you save at least some of it, [say by putting it in a piggy bank or cash box or into your bank account]?\nSELECT ONE ONLY\n1. Every time I get money\n2. Most times I get money\n3. Sometimes\n4. Never\n5. Don’t know","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D281))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D281))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D281))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F281))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G281))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H281))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I281))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I281))),\"\")","v":""}]
[false,"Out","11-14 yrs",282,"Ability","Understanding money management","CYP understand the value of money","Young people can make spending decisions appropriate to their age based on their needs and priorities","When you want to buy something for yourself, how often do you...\nNever\nRarely\nSometimes\nOften\nDon't know\n... look in different places or stores to compare prices?\n …  think about whether your friends would approve of the item?\n ...  think about whether the item is good value for money?","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D282))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$296,SMALL(IF(B$3:B$296=\"In\",ROW(C$2:C$295)-ROW(D$2)+1),ROW(D282))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$296,SMALL(IF(B$3:B$296=\"In\",ROW(D$2:D$295)-ROW(D$2)+1),ROW(D282))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F282))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G282))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H282))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I282))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I282))),\"\")","v":""}]
[false,"Out","11-14 yrs",283,"Ability","Understanding money management","CYP understand the value of money","Young people understand the difference between 'price' and 'value' and that some things are better value than others","You are thinking of buying some new trainers.  Which of these comes closest to your view?\n\n1. It's best to buy a well-known, expensive, brand\n2. It is worth considering a less expensive brand if it offers the same quality\n3. It is best to choose the cheapest ones you can get even if they won't last quite as long",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D283))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D283))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D283))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F283))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G283))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H283))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I283))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I283))),\"\")","v":""}]
[false,"Out","11-14 yrs",284,"Ability","Understanding money management","CYP understand the value of money","Young people understand that services like electricity, phones and the internet cost money (7-11)","Which of the following cost your parents money?  (please select all that apply)\n1. Going to the park             Yes   No   Don’t know\n2. Electricity  in your home  Yes   No   Don’t know\n3. Going to an NHS doctor  Yes   No   Don’t know\n4. Going to a library              Yes   No   Don’t know\n5. Making phone calls          Yes   No   Don’t know\n6. Water that comes out of taps in your home   Yes   No   Don’t know\n","Y (modified form)","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D284))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D284))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D284))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F284))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G284))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H284))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I284))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I284))),\"\")","v":""}]
[false,"Out","11-14 yrs",285,"Ability","Understanding money management","CYP understand the value of money","Young people understand how to shop around for things that they need to get the best value for money, and why this is important (7-11)","Why is it a good idea to shop around when picking where to buy something?\n\n1. You can find the same thing for different prices in different shops (1 point)\n2. It is fun to shop around (0 point)\n3. Some shops sell better quality items compared to others(1 point)\n4. Shopping around can save you money (1 point)\n5. Don’t know (0 points)\n\n\n\nHow can you make sure you get a good deal when buying something?\n1. Buy the first thing you see\n2. Compare prices in different shops or online (1 point)\n3. Buy second hand (1 point)\n4. Buy non-branded goods (1 point)\n5. Only buy the things you really need (1 point)\n6. Wait for things you want to go on sale (1 point)\n7. Get someone else to buy it for you\n8. Don't know (0 points)",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D285))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D285))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D285))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F285))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G285))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H285))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I285))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I285))),\"\")","v":""}]
[false,"Out","11-14 yrs",286,"Ability","Understanding money management","CYP know how to keep track of their money, and set and stick to a budget","Young people know how to set a budget and accurately track their spending against it","Do you know how much money you have in total? (IF HAVE BANK ACCOUNT INSERT [“including in your bank”])\nSC\n1. No \n2. Yes, roughly\n3. Yes exactly\n\n\nHow do you keep track of the money you get and the money you spend?\nMULTI\n\nOnline budgeting tool\nOnline bank account\nSpreadsheet\nPiece of paper\nIn my head (mentally)\nChecking my bank balance at a cash machine\nReviewing my bank statements\nOn a mobile app\nI don't keep track\nDon't know","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D286))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D286))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D286))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F286))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G286))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H286))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I286))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I286))),\"\")","v":""}]
[false,"Out","11-14 yrs",287,"Ability","Understanding money management","CYP know how to keep track of their money, and set and stick to a budget",0,"Some people set a plan for how they will spend their money and others do not. Which of these comes closest to how you feel about money planning?\n\n1. It's best to record the money you have and everything you spend to make sure you don't run out of money\n2. It is a good idea to keep an eye on your spending but it's not worth worrying about a pound here and there\n3. It's too much effort to keep track of spending; if you run out of money you'll just have to wait until you get more",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D287))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D287))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D287))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F287))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G287))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H287))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I287))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I287))),\"\")","v":""}]
[false,"Out","11-14 yrs",288,"Ability","Understanding money management","CYP know how to keep track of their money, and set and stick to a budget","Young people know how to use budgeting tools to help them budget","How do you keep track of the money you get and the money you spend?\nMULTI\n\nOnline budgeting tool\nOnline bank account\nSpreadsheet\nPiece of paper\nIn my head (mentally)\nChecking my bank balance at a cash machine\nReviewing my bank statements\nOn a mobile app\nI don't keep track\nDon't know","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D288))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D288))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D288))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F288))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G288))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H288))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I288))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I288))),\"\")","v":""}]
[false,"Out","11-14 yrs",289,"Ability","Understanding money management","CYP know how to keep track of their money, and set and stick to a budget","Young people know how to check a bank balance and read a bank statement (7-11)","BSQ: Looking at this example of a bank statement, how much money was in the account at the end of February?\n\nDon't know","Y","Y-BSQ",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D289))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D289))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D289))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F289))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G289))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H289))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I289))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I289))),\"\")","v":""}]
[false,"Out","11-14 yrs",290,"Ability","Understanding money management","CYP know how to keep track of their money, and set and stick to a budget","Young people know they need to keep information about their current and savings accounts safe (7-11)","If have a bank account:\n\nDoes your bank account come with a card you can use to get cash from a cash point?\nYes \nNo\nDon't know\n\n{If yes} Who looks after your bank card?\n1. You\n2. Someone else (e.g. your parents or other)\n\n{if you} Which of the following should you do to keep your bank card PIN safe? Please select all the answers you think are correct\n1. Write down your PIN and keep it in your wallet in case you forget it\n2. Tell your best friend your PIN in case you forget it\n3. Keep your PIN secret from everyone\n4. Hide the keypad when you are entering your PIN at a cash point or shop\n5. Change your PIN if you think someone may have seen it\n\n Please say true or false to each statement (True/False/ Don’t know)\n1. It is important to keep your bank details, PIN and passwords secret.\n2. Your bank may email you sometimes to ask for your PIN. \n3. Criminals often pretend to be banks or other organisations to scam people\n4. Official people, like banks and police officers,  never ask for bank details (like your PIN) by phone or email\n5. Criminals can copy bank cards by using machines that look like ATMs or card payment machines\n6. It is always safe to use a cash machine, even if it looks damaged or unusual",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D290))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D290))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D290))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F290))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G290))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H290))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I290))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I290))),\"\")","v":""}]
[false,"Out","11-14 yrs",291,"Ability","Understanding money management","CYP know how to save up for things they want and why it is good to save","Young people know how to make deposits into a bank account (7-11)","ASK ALL WITH A BANK ACCOUNT:\nWhich of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)\n\nASK ALL WITH MONEY (CODES 2-6 at first question):  \nWhen you get money,  how often do you save at least some of it, [say by putting it in a piggy bank or cash box or into your bank account]?\nSELECT ONE ONLY\n1. Every time I get money\n2. Most times I get money\n3. Sometimes\n4. Never\n5. Don’t know ","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D291))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D291))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D291))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F291))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G291))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H291))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I291))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I291))),\"\")","v":""}]
[false,"Out","11-14 yrs",292,"Ability","Understanding money management",null,"Young people understand why saving money for something you want to buy is important (5-7, 7-11)","Why is it good to save up for something you want to buy?\n1. Saving up for things yourself will help you learn money management for when you are older (2 points)\n2.  Other people may not have money to spare/ they may get irritated if you ask them for money (1 point)\n3. Saving up for something will mean you are less likely to make 'impulse buys'/ makes you more likely to buy thing you really want or need (1 point)\n4. You can spend the money you have saved on something else if youwant to\n4. To stop you getting into debt  (2 point)",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D292))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D292))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D292))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F292))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G292))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H292))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I292))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I292))),\"\")","v":""}]
[false,"Out","11-14 yrs",293,"Ability","Understanding money management","CYP are aware of scams and fraud and know how to protect themselves from it","Young people understand about the different types of scams and identity theft, and know how to protect themselves from it","Please say true or false to each statement (True/False/ Don’t know)\n1. It is important to keep your bank details, PIN and passwords secret.\n2. Your bank may email you sometimes to ask for your PIN. \n3. Criminals often pretend to be banks or other organisations to scam people\n4. Official people, like banks and police officers,  never ask for bank details (like your PIN) by phone or email\n5. Criminals can copy bank cards by using machines that look like ATMs or card payment machines\n6. It is always safe to use a cash machine, even if it looks damaged or unusual\n\n\n\nTo what extent do you agree or disagree with each of these statements?\n\n- I never open attachments from unknown email senders \n- I always lock my phone/ tablet/ laptop when I am not using it\n- I pick passwords  that will be difficult to break (long ones with both numbers and letters)\n– I never tell other people what my passwords are\n- I have anti-virus software  on my computer\n- I am careful about what information I publish about myself online and on social media\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know ",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D293))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D293))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D293))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F293))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G293))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H293))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I293))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I293))),\"\")","v":""}]
[false,"Out","11-14 yrs",294,"Ability","Understanding money management","CYP can apply their numeracy skills to financial issues","Young people can calculate what interest they would be paid or would owe if their saved or borrowed money (7-11)","Suppose you put £100 into a savings account with a guaranteed interest rate of 2% per year. You don’t make any further payments into this account and you don’t withdraw any money.How much would be in the account at the end of the first year, once the interest payment is made? (11+)\n\nDon't know","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D294))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D294))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D294))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F294))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G294))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H294))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I294))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I294))),\"\")","v":""}]
[false,"Out","11-14 yrs",295,"Ability","Understanding money management","CYP can apply their numeracy skills to financial issues","Young people can work out how long they will need to save for to be able to buy something if they are saving a set amount a week (7-11)","Greg gets £6.00 a week pocket money. How many weeks would it take Greg to save up his pocket money to buy something that costs £26?\n",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D295))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D295))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D295))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F295))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G295))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H295))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I295))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I295))),\"\")","v":""}]
[false,"Out","11-14 yrs",296,"Ability","Understanding money management","CYP know where to get good advice and information on money management","Young people know how and where to seek advice about their money when they need to","If you needed advice about money, who would you ask?\n\nMULTI\n\nI do not ask for advice about money (SC)\nMy parents or carers\nMy friends\nMy teachers\nOther family members\nOther adults\nOnline (for example - Youtube, Money Saving Expert)\nA bank, building society or other financial organisation\nTV programmes\nDon't know (SC)","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D296))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D296))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D296))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F296))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G296))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H296))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I296))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I296))),\"\")","v":""}]
[false,"Out","11-14 yrs",297,"Ability","Understanding money management","CYP know where to get good advice and information on money management","Young people know how and where to seek advice about their money when they need to","And who would be the most useful?\n\nSINGLE\n\nMy parents or carers\nMy friends\nMy teachers\nOther family members\nOther adults\nOnline (for example - Youtube, Money Saving Expert)\nA bank, building society or other financial organisation\nTV programmes\nDon't know\nNone of them would give useful advice","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D297))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D297))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D297))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F297))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G297))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H297))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I297))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I297))),\"\")","v":""}]
[false,"Out","11-14 yrs",298,"Ability","Understanding the role of money in society","CYP understand the different sources of money","Young people understand that being financially independent and having their own source of income is an important part of being an adult","How important is it to you ... \n\n… to get a job when you are a grown-up?  \n… to not need  your parents' money when you are grown up (to be independant)? \n\n1. Very important\n2. Fairly important \n3. Not really important\n4. Not at all important ",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D298))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D298))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D298))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F298))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G298))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H298))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I298))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I298))),\"\")","v":""}]
[false,"Out","11-14 yrs",299,"Ability","Understanding the role of money in society","CYP understand the different sources of money","Young people understand that the choices they make around education and work will affect the amount of money they have in adulthood (7-11)","Which of these statements is true?\n                                                                                                   \n1. Young people who do well at school will find it easier to get well-paid jobs when they grow up\n2. It doesn't matter how well you do at school, you will find a well-paid job if you look hard\n\n",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D299))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D299))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D299))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F299))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G299))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H299))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I299))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I299))),\"\")","v":""}]
[false,"Out","11-14 yrs",300,"Ability","Understanding the role of money in society","CYP understand the different sources of money","Young people understand that different education & training options (eg. going to university or doing an apprenticeship) have different financial implications in both the short and longer term","Which of these statements is true?\n                                                                                                   \n1. Young people who do well at school will find it easier to get well-paid jobs when they grow up\n2. It doesn't matter how well you do at school, you will find a well-paid job if you look hard\n\n",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D300))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D300))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D300))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F300))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G300))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H300))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I300))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I300))),\"\")","v":""}]
[false,"Out","11-14 yrs",301,"Ability","Understanding the role of money in society","CYP understand that companies exist to make money","Young people understand the different ways that companies try to influence their spending, including through advertising, marketing, product placement and celebrity endorsements","Now a little quiz:\nCompanies use lots of different ways to get people to spend money on their goods and services. Can you match some of these ways to their names? \n\n1. Advertising\n2. Marketing\n3. Product placement\n4. Celebrity endorsements\n\n\n- Placing images and examples of a product where lots of people can see it (e.g. on TV, in magazines or on social media)\n- The process of transferring goods and services from the seller to the buyer\n- Promoting goods and services through films, television or social media (e.g. someone using a certain type of smart phone in a film)\n- Paying someone famous to put their name and face to goods and services and help to sell them\n\n(if online) Drag & drop\n(if on paper) Draw a line between description and name",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D301))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D301))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D301))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F301))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G301))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H301))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I301))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I301))),\"\")","v":""}]
[false,"Out","11-14 yrs",302,"Ability","Understanding the role of money in society","CYP understand how taxes are collected and what they are used for","Young people understand that the Government takes money taken from people's earnings to pay for things we all need (eg. schools, hospitals and rubbish collection)","Can you pick the description that best fits these words?\n\nInterest\nTax\n\nThe money that is added to savings by banks or building societies\nThe money people pay to government\nThe money you get when you retire from working\nThe amount you have in your bank account\n\nDON'T KNOW\n\n\nTax is money that the Government takes from the money that people earn. What is tax for?\n\nTo pay for things like hospitals and roads\nTo make sure people don't earn too much\nTo pay for lottery prizes\nTo pay for police and schools\nTo pay for supermarkets","Y","N","Draw a line between word and description if on paper or use drag and drop if online",null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D302))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D302))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D302))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F302))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G302))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H302))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I302))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I302))),\"\")","v":""}]
[null,"Out","11-14 yrs",303,"Ability","Understanding values and emotions around money","CYP understand their own values and feelings around money",null,null,null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D303))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D303))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D303))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F303))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G303))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H303))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I303))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I303))),\"\")","v":""}]
[null,"Out","11-14 yrs",304,"Ability","Understanding values and emotions around money","CYP understand their own values and feelings around money",null,null,null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D304))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D304))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D304))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F304))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G304))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H304))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I304))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I304))),\"\")","v":""}]
[false,"Out","11-14 yrs",305,"Ability","Basic skills","CYP have good literacy skills","Young people perform at age appropriate levels in standardised literacy tests","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D305))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D305))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D305))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F305))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G305))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H305))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I305))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I305))),\"\")","v":""}]
[false,"Out","11-14 yrs",306,"Ability","Basic skills","CYP have good numeracy skills","Young people perform at age appropriate levels in standardised numeracy tests","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D306))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D306))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D306))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F306))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G306))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H306))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I306))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I306))),\"\")","v":""}]
[false,"Out","11-14 yrs",307,"Ability","Basic skills","CYP have good problem solving skills","Young people can identify and understand a problem","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D307))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D307))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D307))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F307))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G307))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H307))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I307))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I307))),\"\")","v":""}]
[false,"Out","11-14 yrs",308,"Ability","Basic skills","CYP have good problem solving skills","Young people can plan ways to solve a problem","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D308))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D308))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D308))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F308))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G308))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H308))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I308))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I308))),\"\")","v":""}]
[false,"Out","11-14 yrs",309,"Ability","Basic skills","CYP have good problem solving skills","Young people can monitor progress in tackling a problem","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D309))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D309))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D309))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F309))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G309))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H309))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I309))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I309))),\"\")","v":""}]
[false,"Out","11-14 yrs",310,"Ability","Basic skills","CYP have good problem solving skills","Young people can review solutions to problems and modify them if necessary","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D310))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D310))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D310))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F310))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G310))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H310))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I310))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I310))),\"\")","v":""}]
[false,"Out","11-14 yrs",311,"Ability","Other","Wellbeing",null,"To what extent do you agree with the following\n\nThinking about money makes me anxious\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D311))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D311))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D311))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F311))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G311))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H311))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I311))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I311))),\"\")","v":""}]
[false,"Out","14-16 yrs",312,"Financially capable behaviour",null,"CYP have their own regular source of money","Young people receive a regular income (eg. an allowance from their family or from a job)","Where do you get your money from? \nMULTI\n1. I do not get any money from my parents or other people – SC\n2. Pocket money or allowance from my parents or carers\n3. From my parents or carers as a reward for doing something\n4. Pocket money from other members of my family \n5. Birthdays, Christmas or special occasions\n6. From work or a part-time job such as delivering papers\n7. Through selling things online or somewhere else\n8. Other (Please write in)\n\nASK ALL WITH POCKET MONEY (CODES 2 and 4 at first question: \nDo you receive the same amount of pocket money/allowance each week/month? \n1. Yes, the same\n2. No, it varies\n3. Don’t know\n","Y","N","This question needs to be asked first in all questionnaires as a filter for a number of other questions",null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D312))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D312))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D312))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F312))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G312))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H312))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I312))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I312))),\"\")","v":""}]
[false,"Out","14-16 yrs",313,"Financially capable behaviour","Managing your money well day-to-day",null,"Young people keep their money in a safe place and keep information about their current and savings accounts safe (7-11)","A bank account is somewhere people can keep their money rather than keeping it at home. Credit union and building society accounts are like bank accounts, if you have a credit union or building society account you should answer yes to this question. Do you have a bank account of your own?\n\nSC\n1. Yes\n2. No\n3. I don’t know if I have one\n\n\nASK ALL WITH MONEY (CODES 2-6 at first question): \n(IF HAVE BANK ACCOUNT INSERT [“Apart from in your bank account(s)”] Where do you keep your money?\nMC\n1. Purse or wallet\n2. Piggy bank or cash box at home\n3. My parent/carer looks after it for me\n4. Nowhere in particular (SC)\n5. Somewhere else\n6. Don’t know (SC)\n\nIF HAVE BANK ACCOUNT\nDo you have any of the following wth your bank account? Pick all that apply\nPlastic card\nPIN (number)\nBank book\nAbility to access your account online\nNone of these\n\nIF HAVE A BANK BOOK OR CARD\nWhere do you keep your bank card or bank book? You can pick more than one answer.\nIn my purse/wallet\nMy parents keep it\nIn a safe place at home\nSomewhere else\nI don't have a special place where I keep this/these items\n\nIF HAVE A PIN NUMBER\nDo you keep your PIN number written down so you remember it?  You can pick all that apply\nYes, in my purse/wallet\nYes, at home\nYes, stored on a computer, tablet or phone\nNo, I just remember it in my head \nI don't use my PIN number/I have forgotten it\n\nIF HAVE AN ONLINE ACCOUNT\nDo you keep your online bank account login details written down so you remember them? You can pick all that apply\nYes, in my purse/wallet\nYes, at home\nYes, stored on a computer, tablet or phone\nNo, I just remember it in my head \nI don't use my online bank account/I have forgotten how to log in","Y (first Q; second Q)","N","filter question",null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D313))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D313))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D313))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F313))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G313))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H313))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I313))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I313))),\"\")","v":""}]
[false,"Out","14-16 yrs",314,"Financially capable behaviour","Managing your money well day-to-day",null,"Young people know how much money they have and keep track of their spending, including by checking bank statements / online banking (11-14)","ASK ALL WITH A BANK ACCOUNT:\nWhich of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)\n\nASK ALL WITH MONEY (CODES 2-6 at first question): \nDo you know how much money you have in total? (IF HAVE BANK ACCOUNT, including in your bank)\n1. No \n2. Yes, roughly\n3. Yes exactly\n\nHow do you keep track of the money you get and the money you spend?\nMULTI\n\nOnline budgeting tool\nOnline bank account\nSpreadsheet\nPiece of paper\nIn my head (mentally)\nChecking my bank balance at a cash machine\nReviewing my bank statements\nOn a mobile app\nI don't keep track\nDon't know","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D314))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D314))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D314))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F314))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G314))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H314))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I314))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I314))),\"\")","v":""}]
[false,"Out","14-16 yrs",315,"Financially capable behaviour","Managing your money well day-to-day",null,"Young people have money saved up (5-7, 7-11, 11-14)","ASK ALL WITH MONEY (CODES 2-6 at first question): \nDo you know how much money you have in total? (IF HAVE BANK ACCOUNT INSERT [“including in your bank”])\nSC\n1. No \n2. Yes, roughly\n3. Yes exactly\n\n\nASK ALL WITH MONEY (CODES 2-6 at first question):  \nWhen you get money, how often do you save at least some of it, [say by putting it in a cash box or into your bank account]?\nSELECT ONE ONLY\n1. Every time I get money\n2. Most times I get money\n3. Sometimes\n4. Never\n5. Don’t know","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D315))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D315))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D315))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F315))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G315))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H315))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I315))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I315))),\"\")","v":""}]
[false,"Out","14-16 yrs",316,"Financially capable behaviour","Managing your money well day-to-day",null,"Young people set themselves a budget that's appropriate and realistic for their circumstances and stick to it (11-14)","Do you ever make a plan on how you will spend and save your money? For example by setting yourself a budget.\nCHOOSE ONE ONLY\n1. Yes\n2. No\n\n{If yes}\nAnd, how often do you keep to your plan or budget?\nCHOOSE ONE ONLY\nNever\nRarely\nSometimes\nOften\nDon't know",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D316))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D316))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D316))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F316))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G316))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H316))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I316))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I316))),\"\")","v":""}]
[false,"Out","14-16 yrs",317,"Financially capable behaviour","Managing your money well day-to-day",null,"Young people make more complex choices about how to spend their money that are based on their needs and on value for money (11-14)","When you want to buy something for yourself, how often... \nNever\nRarely\nSometimes\nOften\nDon't know\n\n...  do you think about whether your friends would approve of the item?\n...  do think about how much money you will have left to spend on other things?\n...  do think about how attractive or cool the item is?\n...  do think about how long the item will last?\n...  do think about whether the item is good value for money?\n... do you think about whether you should save your money for another day?","Y (some options)","N","Add to other questions with same opening statement if present in your questionnaire",null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D317))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D317))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D317))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F317))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G317))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H317))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I317))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I317))),\"\")","v":""}]
[false,"Out","14-16 yrs",318,"Financially capable behaviour","Managing your money well day-to-day",null,"Young people shop around to get the best deal (7-11, 11-14)","When you want to buy something for yourself, how often... do  you look in different places or stores to compare prices?\nNever\nRarely\nSometimes\nOften\nDon't know","Y (some options)","N","Add to other questions with same opening statement if present in your questionnaire",null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D318))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D318))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D318))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F318))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G318))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H318))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I318))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I318))),\"\")","v":""}]
[false,"Out","14-16 yrs",319,"Financially capable behaviour","Managing your money well day-to-day",null,"Young people save up for bigger things they want to buy (eg a holiday or a car) and can save over a longer time period (at least a year)","What is the longest time you have saved up for? (for example to buy something you wanted)\nSC\n1. I haven’t saved up money before\n2. Less than a week\n3. More than a week but less than month\n4. More than a month but less than a year\n5. More than a year\n6. Don’t know","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D319))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D319))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D319))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F319))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G319))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H319))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I319))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I319))),\"\")","v":""}]
[false,"Out","14-16 yrs",320,"Financially capable behaviour","Managing your money well day-to-day",null,"Young people talk about money with friends and family openly (5-7, 7-11, 11-14)","Do you talk about your money with any of the following people?\n\nMULTI\n\nI never talk about money (SC)\nFriends\nParents or carers\nTeachers\nMy brothers and sisters\nGrandparents or other family members\nDon't know (SC)","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D320))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D320))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D320))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F320))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G320))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H320))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I320))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I320))),\"\")","v":""}]
[false,"Out","14-16 yrs",321,"Connection","Access to and use of financial products and advice","CYP have access to their own financial products from a young age","Young people have access to their own current account (at a bank, building society, credit union, etc.) (7-11, 11-14)","A bank account is somewhere people can keep their money rather than keeping it at home. Credit union and building society accounts are like bank accounts, if you have a credit union or building society account you should answer yes to this question. Do you have a bank account of your own?\n\nSC\n1. Yes\n2. No\n3. I don’t know if I have one\n\nASK ALL WITH A BANK/BS ACCOUNT (CODE 1 above): \nDo you know what type of bank account you have? Is it a….\nSINGLE CODE\n1. Current account\n2. Savings account\n3. I have both a current and a savings account\n4. I don’t know what type of bank account I have","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D321))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D321))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D321))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F321))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G321))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H321))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I321))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I321))),\"\")","v":""}]
[false,"Out","14-16 yrs",322,"Connection","Access to and use of financial products and advice","CYP have access to their own financial products from a young age","Young people have access to and use a debit card linked to their current account (11-14)","ASK ALL  WITH A BANK/B.S. ACCOUNT:\nWhich of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D322))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D322))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D322))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F322))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G322))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H322))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I322))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I322))),\"\")","v":""}]
[false,"Out","14-16 yrs",323,"Connection","Access to and use of financial products and advice","CYP have access to their own financial products from a young age","Young people have access to and manage their own savings account (at a bank, building society, credit union etc) (7-11, 11-14)","A bank account is somewhere people can keep their money rather than keeping it at home. Credit union and building society accounts are like bank accounts, if you have a credit union or building society account you should answer yes to this question. Do you have a bank account of your own?\n\nSC\n1. Yes\n2. No\n3. I don’t know if I have one\n\nASK ALL WITH A BANK/BS ACCOUNT (CODE 1 above): \nDo you know what type of bank account you have? Is it a….\nSINGLE CODE\n1. Current account\n2. Savings account\n3. I have both a current and a savings account\n4. I don’t know what type of bank account I have","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D323))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D323))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D323))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F323))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G323))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H323))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I323))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I323))),\"\")","v":""}]
[false,{"$f":"IF(A326=TRUE,\"In\",\"Out\")","v":"Out"},"14-16 yrs",324,"Connection","Access to and use of financial products and advice","CYP have access to their own financial products from a young age","Young people have experience of managing their bank accounts online where this is available","How do you keep track of the money you get and the money you spend?\nMULTI\n\nOnline budgeting tool\nOnline bank account\nSpreadsheet\nPiece of paper\nIn my head (mentally)\nChecking my bank balance at a cash machine\nReviewing my bank statements\nOn a mobile app\nI don't keep track\nDon't know","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D324))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D324))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D324))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F324))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G324))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H324))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I324))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I324))),\"\")","v":""}]
[false,"Out","14-16 yrs",325,"Connection","Access to and use of financial products and advice","CYP are given experience of choosing their own financial products","Young people are involved in the process of choosing and setting up their own current and savings accounts or have been involved in the decision-making","How involved are you in the following decisions about your money? \n(Fully involved / Partly involved / Not at all involved)\n\nChoosing my bank or savings account",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D325))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D325))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D325))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F325))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G325))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H325))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I325))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I325))),\"\")","v":""}]
[false,"Out","14-16 yrs",326,"Connection","Access to and use of financial products and advice","CYP are given experience of choosing their own financial products","Young people are involved in the process of choosing and setting up their own mobile phone provider and package, and have a key say in which ones are selected (if they own a mobile phone)","Do you get to have a choice in?\n \nThe cost of your mobile phone call and data package \n\n1. Yes\n2. No\n3. Don't know\n4. I don’t have a mobile phone","Y","N","Add to other questions with same opening statement if present in your questionnaire",null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D326))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D326))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D326))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F326))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G326))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H326))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I326))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I326))),\"\")","v":""}]
[false,"Out","14-16 yrs",327,"Connection","Access to and use of financial products and advice","CYP recieve advice and guidance about money as well as wider life goals","Young people receive money advice and guidance from their family, teachers and other appropriate sources around money (3-5, 5-7, 7-11, 11-14)","How often do your parents or carers teach you about  money and spending?\nNever\nRarely\nSometimes\nOften\nDon't know\n\nHow often do your teachers teach you about  money and spending?\nNever\nRarely\nSometimes\nOften\nDon't know",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D327))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D327))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D327))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F327))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G327))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H327))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I327))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I327))),\"\")","v":""}]
[false,"Out","14-16 yrs",328,"Connection","Access to and use of financial products and advice","CYP recieve advice and guidance about money as well as wider life goals","Young people receive money advice and guidance from their family, teachers and other appropriate sources around money (3-5, 5-7, 7-11, 11-14)","If you needed advice about money, who would you ask?\n\nPlease select all that apply.\n\nMULTICODE ALLOWED\n\nMy parents\nMy friends\nMy teachers\nOther family members (write in)\nInternet site (write in)\nA bank, building society or other financial organisation\nTV programmes (write in)\nOther (write in)\nI do not ask for advice about money\n\n\nHave you learnt about how to manage your money in school or college?\n(SINGLE)\n\nYes\nNo\nNot sure or don't remember\n\nWhich subjects did you learn how to manage your money in?\nMULTI\n\nMaths\nPSHE\nCitizenship\nBusiness & Finance\nEnterprise\nOther (please specify)\nDon't know","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D328))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D328))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D328))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F328))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G328))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H328))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I328))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I328))),\"\")","v":""}]
[false,"Out","14-16 yrs",329,"Connection","Access to and use of financial products and advice","CYP recieve advice and guidance about money as well as wider life goals","Young people receive advice and guidance from their family, teachers and other appropriate sources on their education and career options (11-14)","How confident are you that you know who to turn to for advice about education and careers?\n1. Very confident\n2. Fairly confident\n3. Not very confident\n4. Not at all confident\n\n\nWhich of the following people have given you advice about your education and career options. Select all that apply:\n1. Parents\n2. Siblings\n3. Other family members\n4. Friends\n5. A careers adviser or careers teacher at school\n6. Other teachers at school\n7. A Connexions personal adviser\n8. Someone else at Connexions\n9. Someone else (Please specify______)",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D329))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D329))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D329))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F329))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G329))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H329))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I329))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I329))),\"\")","v":""}]
[false,"Out","14-16 yrs",330,"Connection","Access to and use of financial products and advice","CYP recieve advice and guidance about money as well as wider life goals","Young people know where to go for advice and guidance on finance options to fund further education","If you needed advice or information about the different options for paying for education in the future where would you go?\nPlease select all that apply.\n\n1. My parents\n2. My friends\n3. Other family members (write in)\n4. My teachers/my school or college\n5. Internet site (write in)\n6. A bank, building society or other financial organisation\n7. TV programmes (write in)\n8. Other (write in)\n9. I haven't thought about this yet\n10. I don't need this kind of advice or information",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D330))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D330))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D330))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F330))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G330))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H330))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I330))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I330))),\"\")","v":""}]
[false,"Out","14-16 yrs",331,"Connection","Exposure to family finances","CYP witness financial transactions and processes","Young people are aware of the range of regular household bills to be paid (e.g. rent/mortgage, gas, electricity, council tax)","Which of the following things do most adults pay for, and which do most adults get for free?\n\nRent or mortgage\nElectricity or gas at home\nWater at home\nVisits to a GP or hospital\nCouncil tax\nInternet at home\nBorrowing a library book\n\nPay for\nGet for free\nDon't know","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D331))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D331))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D331))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F331))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G331))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H331))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I331))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I331))),\"\")","v":""}]
[false,"Out","14-16 yrs",332,"Connection","Exposure to family finances","CYP are involved in discussions and decisions about household spending","Young people are involved when everyday household spending decisions are being taken (e.g. about the weekly shop) and trade-offs are being made (5-7, 7-11, 11-14)","Do you get to have a choice in?\n \nFamily days out or holidays \nWhat to buy in the family food shop\n\nYes\nNo \nDon't know\n\n\n","Y","N","Add to other questions with same opening statement if present in your questionnaire",null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D332))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D332))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D332))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F332))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G332))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H332))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I332))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I332))),\"\")","v":""}]
[false,"Out","14-16 yrs",333,"Connection","Exposure to family finances","CYP are involved in discussions and decisions about household spending","Young people are involved when everyday household spending decisions are being taken (e.g. about the weekly shop) and trade-offs are being made (5-7, 7-11, 11-14)","Here are some things that people your age have said about money. How strongly do you agree or disagree with them\nROTATE STATEMENTS\nSelect one for each row\nMy parents or carers discuss with me what we can and can’t afford to buy\nI don't like it when my parents or carers say I cannot have things I see in shops\nI don’t like it when friends have things I don’t have\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know \n","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D333))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D333))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D333))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F333))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G333))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H333))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I333))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I333))),\"\")","v":""}]
[false,"Out","14-16 yrs",334,"Connection","Experience of managing your own money (and the risks that come with it)","CYP have their own regular source of money","Young people receive a regular income (eg. an allowance from their family or from a job)","Where do you get your money from? \nMULTI\n1. I do not get any money from my parents or other people – SC\n2. Pocket money or allowance from my parents or carers\n3. From my parents or carers as a reward for doing something\n4. Pocket money from other members of my family \n5. Birthdays, Christmas or special occasions\n6. From work or a part-time job such as delivering papers\n7. Through selling things online or somewhere else\n8. Other (Please write in)\n\nASK ALL WITH POCKET MONEY (CODES 2 and 4 at first question): \nDo you receive the same amount of pocket money/allowance each week/month? \n1. Yes, the same\n2. No, it varies\n3. Don’t know","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D334))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D334))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D334))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F334))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G334))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H334))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I334))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I334))),\"\")","v":""}]
[false,"Out","14-16 yrs",335,"Connection","Experience of managing your own money (and the risks that come with it)","CYP have responsibility for managing their own money","Young people look after their money themselves (11-14)","IF HAVE BANK ACCOUNT:\nCan you take money out of your bank account without your parents' permission? Y/N\n\nDo your parents control the amount of money you take out of your bank account? Y/N\n\nIF DO NOT HAVE BANK ACCOUNT\nCan you spend your own money without your parents' permission? Y/N\n\nDo your parents control the amount of money you spend? Y/N",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D335))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D335))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D335))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F335))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G335))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H335))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I335))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I335))),\"\")","v":""}]
[false,"Out","14-16 yrs",336,"Connection","Experience of managing your own money (and the risks that come with it)","CYP have responsibility for managing their own money","Young people make their own decisions about how to spend or save their money (11-14)","ASK ALL WITH MONEY:\nWhen you have money, who usually decides whether you save any of it? \nSC\n\nMy parents or carers decide \nI decide\nWe both decide\nDon’t know\n\nWhen you have money, who usually decides what you spend it on?\nSC\n \nMy parents or carers decide\nI decide\nWe both decide\nDon’t know","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D336))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D336))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D336))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F336))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G336))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H336))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I336))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I336))),\"\")","v":""}]
[false,"Out","14-16 yrs",337,"Connection","Experience of managing your own money (and the risks that come with it)","CYP have responsibility for managing their own money","Young people are given responsibility for paying for things they need out of their own money eg. mobile phone, travel or toiletries (11-14)","Do you have to pay for any of the following things you need out of your money? \nSINGLE PER ROW\n1. Non-school clothes and shoes\n3. Toiletries & cosmetics\n4. Snacks or sweets\n5. Presents for other people \n6. Toys or games or gadgets\n7. Going  out with your friends\n\nNo - my parents pay for this for me\nYes - I sometimes pay for this from my own money\nYes - I mainly pay for this from my own money","Y (amended version)","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D337))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D337))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D337))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F337))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G337))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H337))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I337))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I337))),\"\")","v":""}]
[false,"Out","14-16 yrs",338,"Connection","Experience of managing your own money (and the risks that come with it)","CYP have experience of paying for goods and activities","Young people pay for things online (where able to) with their own money (such as apps, games or music) without supervision","Have you ever bought something online by yourself?\n\nYes\nNo\nDon't know\n\nWhich of the following methods have you used to pay for things online?\n\nCash\nDebit card\nCredit card\nVoucher for an online shop\nOnline account (e.g. Paypal)\nOther (specify)\nI don't know how I paid for things online\nI don't pay for things online",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D338))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D338))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D338))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F338))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G338))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H338))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I338))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I338))),\"\")","v":""}]
[false,"Out","14-16 yrs",339,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP believe it's important to manage your money well and think carefully about how you spend it","Young people believe that it is important to keep track of their money (7-11, 11-14)","How important is it to check how much money you have?\n\nVery important\nQuite important\nNot very important\nNot at all important",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D339))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D339))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D339))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F339))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G339))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H339))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I339))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I339))),\"\")","v":""}]
[false,"Out","14-16 yrs",340,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP believe it's important to manage your money well and think carefully about how you spend it","Young people believe it is important to think carefully about what they spend their money on (7-11, 11-14)","Imagine you were given £5 to spend on a school trip. Would you plan how to spend the money and then stick to that plan? For example, would you work out how much you want to spend on different things like sweets or presents.\n1. Yes, I would make a plan and stick to it\n2. Yes, I would make a plan but would be unlikely to stick to it\n3. No, I wouldn’t make a plan\n4. Don’t know\n","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D340))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D340))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D340))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F340))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G340))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H340))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I340))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I340))),\"\")","v":""}]
[false,"Out","14-16 yrs",341,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP believe it's important to manage your money well and think carefully about how you spend it","Young people think it's important to shop around for things that they need and look for the best deals in order to make their money go further (7-11, 11-14)","Imagine you need to buy a present. What do you do?\n\nGo to the nearest shop and buy the thing you want\nLook around a few different shops to see where it is cheapest\nLook online to find the cheapest price\nSomething else\nDon't know\n",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D341))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D341))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D341))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F341))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G341))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H341))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I341))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I341))),\"\")","v":""}]
[false,"Out","14-16 yrs",342,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP think it's good to plan for the future and save up for things","Young people prefer to plan for the future rather than live for the day when it comes to their money","When it comes to money I prefer to live for today rather than plan for tomorrow' \n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know \n",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D342))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D342))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D342))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F342))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G342))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H342))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I342))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I342))),\"\")","v":""}]
[false,"Out","14-16 yrs",343,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP think it's good to plan for the future and save up for things","Young people think that saving money for larger purchases is important for them to do (11-14)","Imagine you want to buy something expensive. How would you get the money?\n\nI would save some money every week or month for it\n\nI would borrow money from my friends or family\n\nMy parents or guardian would pay for it\n\nSomeone else in my family would pay for it\n\nI would just not buy it\n\nOther\n\nDon't know",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D343))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D343))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D343))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F343))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G343))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H343))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I343))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I343))),\"\")","v":""}]
[false,"Out","14-16 yrs",344,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP think it's good to plan for the future and save up for things","Young people think it's important for them to save for the future","How important do you think it is for you to save-up your money for the future in general?\n\n\n1. Very important\n2. Fairly important\n3. Neither important not unimportant\n4. Fairly unimportant\n5. Very unimportant",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D344))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D344))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D344))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F344))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G344))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H344))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I344))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I344))),\"\")","v":""}]
[false,"Out","14-16 yrs",345,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP think it's good to plan for the future and save up for things","Young people think it's important for them to save for the future","Imagine someone gives you £10. How much would you spend and how much would you save for later?   \n(if online) SLIDER SCALE – Save £10 to Spend £10 – use £1 increments\n(if on paper) Spend all of it; Spend more than half; Spend about half; Spend less than half; Save all of it\n\nImagine someone gives you £100. How much would you spend and how much would you save for later?   \n(if online) SLIDER SCALE – Save £100 to Spend £100 – use £1 increments\n(if on paper) Spend all of it; Spend more than half; Spend about half; Spend less than half; Save all of it","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D345))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D345))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D345))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F345))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G345))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H345))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I345))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I345))),\"\")","v":""}]
[false,"Out","14-16 yrs",346,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP have a cautious attitude to borrowing and debt","Young people believe it is important to think about the potential consequences of borrowing money including the impact if they can't pay it back","Below are some things people your age have said about borrowing money. Which one best describes how you feel about borrowing money? (12+)\n\nSINGLE\n\nI'd rather not borrow money\nBorrowing money is OK, but only if I can pay it back\nBorrowing money does not bother me at all, even if I can't afford to pay it back\nI don't know","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D346))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D346))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D346))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F346))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G346))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H346))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I346))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I346))),\"\")","v":""}]
[false,"Out","14-16 yrs",347,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP have a cautious attitude to borrowing and debt","Young people believe it is important to think about the potential consequences of borrowing money including the impact if they can't pay it back","Steve is 18 and is studying at college. One night his home is burgled and his laptop to stolen. He does not have insurance.\nSteve needs a laptop as soon as possible so he can do his course and his friends and family cannot help him buy a replacement. He has enough money in his savings account to pay for a cheap laptop. However, if he spends his savings on a laptop he won’t be able to go on holiday with his friends like he had planned. What should Steve do?\n1. Use the savings to buy a laptop\n2. Apply for a credit card and use this to buy a laptop\n3. Get an instant pay day loan and use this to buy a laptop\n4. Drop out of college\n\nWhat would you do if you were in this situation? [options as above]\n",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D347))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D347))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D347))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F347))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G347))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H347))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I347))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I347))),\"\")","v":""}]
[false,"Out","14-16 yrs",348,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP accept that they cannot have everything they want and that everyone has to make trade-offs with their money","Young people don't get angry or upset when they can't have something they want but don't need (5-7, 7-11, 11-14)","Here are some things that people your age have said about money. How strongly do you agree or disagree with them\nROTATE STATEMENTS\nSelect one for each row\nMy parents discuss with me what we can and can’t afford to buy (11-17 only)\nI don't like it when my parents or carers say I cannot have things I see in shops\nI don’t like it when friends have things I don’t have\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D348))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D348))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D348))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F348))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G348))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H348))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I348))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I348))),\"\")","v":""}]
[false,"Out","14-16 yrs",349,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP accept that they cannot have everything they want and that everyone has to make trade-offs with their money","Young people don't regularly ask other people for things they want but cannot afford to buy with their own money","How often do you ask your parents to buy you things you want but don’t really need (such as new games or fashionable clothes)?\n1. I do this a lot\n2. I do this sometimes\n3. I rarely do this\n4. I never do this\n5. Don’t know",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D349))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D349))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D349))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F349))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G349))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H349))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I349))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I349))),\"\")","v":""}]
[false,"Out","14-16 yrs",350,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP accept that they cannot have everything they want and that everyone has to make trade-offs with their money","Young people don't regularly ask other people for things they want but cannot afford to buy with their own money","How much do you agree or disagree with the following statement \"I often feel annoyed with my parents if they won't buy me things I ask for\"\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know ",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D350))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D350))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D350))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F350))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G350))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H350))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I350))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I350))),\"\")","v":""}]
[false,"Out","14-16 yrs",351,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP feel confident and in control of their financial situation","Young people feel confident to manage their own money (7-11, 11-14)","How confident do you feel managing your money?\n\nPlease answer on a scale of 0 to 10, where 0 is 'not at all confident' and 10 is 'very confident'","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D351))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D351))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D351))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F351))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G351))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H351))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I351))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I351))),\"\")","v":""}]
[false,"Out","14-16 yrs",352,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP feel confident and in control of their financial situation","Young people believe that they can influence and improve their own financial situation (now and in adulthood) through the choices they make (11-14)","To what extent do you agree or disagree with the following\n\nNothing I do will make much difference to my money situation (11+)\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D352))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D352))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D352))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F352))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G352))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H352))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I352))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I352))),\"\")","v":""}]
[false,"Out","14-16 yrs",353,"Mindset","Money and values","CYP do not value themelves or others by their material possessions","When making friends, material possessions are not the most important factor for young people (7-11, 11-14)","Which of the following things would you look for in a new friend?:\n1. Whether they are clever\n2. Whether they are cool or attractive\n3. Whether they own cool things\n4. Whether they are funny\n5. Whether they have the same hobbies as you\n6. Whether they are rich\n7. None of the above",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D353))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D353))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D353))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F353))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G353))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H353))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I353))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I353))),\"\")","v":""}]
[false,"Out","14-16 yrs",354,"Mindset","Money and values","CYP do not value themelves or others by their material possessions","Young people do not think that their possessions are the most important thing about them (7-11, 11-14)","How important are each of the following to you:\n1. Being popular at school\n2. Doing well in your school work\n3. Being viewed as cool or attractive\n4. Owning cool things\n5. Getting on well with your friends\n6. Getting on well with you family\n7. Being good at managing your money\n\n\n1. Very important\n2. Fairly important\n3. Neither important not unimportant\n4. Fairly unimportant\n5. Very unimportant",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D354))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D354))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D354))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F354))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G354))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H354))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I354))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I354))),\"\")","v":""}]
[null,"Out","14-16 yrs",355,"Mindset","Money and values","CYP have a positive/healthy emotional relationship with money","Young people do not think that their possessions are the most important thing about them (7-11, 11-14)","outcome added from adult fw, but as per adult fw further research is needed to understand what this is and what a suitable indicator & question would be",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D355))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D355))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D355))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F355))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G355))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H355))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I355))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I355))),\"\")","v":""}]
[false,"Out","14-16 yrs",356,"Mindset","Money and values","CYP feel comfortable talking openly about money with friends and family","Young people feel comfortable talking openly about money with friends and family (5-7, 7-11, 11-14)","Do you talk about your money with any of the following people?\n\nMULTI\n\nI never talk about money (SC)\nFriends\nParents or carers\nTeachers\nMy brothers and sisters\nGrandparents or other family members\nDon't know (SC)","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D356))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D356))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D356))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F356))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G356))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H356))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I356))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I356))),\"\")","v":""}]
[false,"Out","14-16 yrs",357,"Mindset","Aspirations and goals","CYP aspire to be good at managing their money","Young people want to be good at managing their money (5-7, 7-11, 11-14)","How important are each of the following to you (use importance scale listed above):\n1. Being popular at school\n2. Doing well in your school work\n3. Being viewed as cool or attractive\n4. Owning cool things\n5. Getting on well with your friends\n6. Getting on well with you family\n7. Being good at managing your money",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D357))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D357))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D357))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F357))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G357))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H357))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I357))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I357))),\"\")","v":""}]
[false,"Out","14-16 yrs",358,"Mindset","Aspirations and goals","CYP have educational and career goals","Young people have goals around the education and qualifications they want to achieve (11-14) ","Which, if any, of the following goals would you like to achieve in the next 5 years?\n\nMULTICODE\n\nNothing, I have no goals for the next 5 years (SC)\nGet into university\nGo travelling\nGet a secure job when I leave education\nMove out of parents' home\nGet my own car\nNot rely on my parents for money\nGo on holiday with my friends\nStay in education past the age of 16\nGet good grades in my homework\nMake it into a sports team or music group or drama production\nStay in education\nI have other goals I would like to achieve","Y","N","This questions could fit across both of these indicators, with some additional answer options?",null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D358))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D358))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D358))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F358))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G358))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H358))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I358))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I358))),\"\")","v":""}]
[false,"Out","14-16 yrs",359,"Mindset","Aspirations and goals","CYP have educational and career goals","Young people have goals around the job they want to do when they leave education (11-14)","How important to you is it that…\n...you  get a job when you finish education?\n...you are rich when you are a grown-up?\n\n\n1. Very important\n2. Fairly important\n3. Neither important not unimportant\n4. Fairly unimportant\n5. Very unimportant\n\n\nDo you have any idea what job you would like to have when you are older? \n1. Yes- I know exactly what I want to be\n2. I have some ideas but I am not 100% decided\n3. No- I don't know what job I would like\n\n",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D359))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D359))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D359))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F359))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G359))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H359))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I359))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I359))),\"\")","v":""}]
[false,"Out","14-16 yrs",360,"Mindset","Aspirations and goals","CYP have educational and career goals","Young people have goals around the job they want to do when they leave education (11-14)","{If 1 or 2 above} How likely are you to get the type of job you would like in the future?\n1. Very likely\n2. Somewhat likely\n3. Not very likely\n4. Not at all likely",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D360))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D360))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D360))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F360))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G360))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H360))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I360))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I360))),\"\")","v":""}]
[false,"Out","14-16 yrs",361,"Mindset","Aspirations and goals","CYP have financial goals","Young people aspire to earn their own money as adults rather than rely on others for money (11-14)","Do you agree or disagree with the following statements?\n                                                       Agree                    Disagree\n\n1. It's important to earn your own money\n2. I would like to be able to pay my own way as soon as I'm old enough\n3. It's fine to not earn money because others will make sure you have enough to get by\n4. I'm looking forward to having a job and my own money\n5. It's a good idea to get a part-time job when you are old enough to earn money rather than relying on your parents",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D361))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D361))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D361))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F361))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G361))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H361))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I361))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I361))),\"\")","v":""}]
[false,"Out","14-16 yrs",362,"Mindset","Aspirations and goals","CYP have financial goals","Young people have a plan for saving up a certain amount of money so that they can pay for something that they want themselves (they have a savings goal) (5-7, 7-11, 11-14)","Do you save money, for example at home in a money box or in a savings account? Please choose one answer.\na) Yes I save regularly\nb) Yes, but only occasionally\nc) No\n\n\nASK IF ANSWERED a or b for question above\nPeople save for different reasons. Which of these statements best describes why you save? Please choose one answer.\na) I’m saving because my parents or guardians say it’s a good idea\nb) I’m saving up for a specific thing I want to buy\nc) I’m saving because I want to but not towards anything in particular\nd) I’m only saving because my parents or guardians make me",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D362))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D362))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D362))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F362))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G362))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H362))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I362))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I362))),\"\")","v":""}]
[false,"Out","14-16 yrs",363,"Mindset","General mindset","CYP have self-esteem","Young people have a sense of their own value or worth","Do you think that your parents usually like to hear about your ideas? (Yes/No/Don't know)\n\nWhen you have to say things in front of teachers, do you usually feel shy? (Yes/No/Don't know)\n\nAre there lots of things about yourself you would like to change? (Yes/No/Don't know)\n\nI have high self-esteem (7 point scale from Not very true of me to Very true of me)","Y (second Q; third Q; fourth Q)","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D363))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D363))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D363))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F363))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G363))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H363))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I363))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I363))),\"\")","v":""}]
[false,"Out","14-16 yrs",364,"Mindset","General mindset","CYP have self-esteem","Young people have a sense of their own value or worth","Do you think that your parents usually like to hear about your ideas? (Yes/No/Don't know)\n\nWhen you have to say things in front of teachers, do you usually feel shy? (Yes/No/Don't know)\n\nAre there lots of things about yourself you would like to change? (Yes/No/Don't know)\n\nI have high self-esteem (7 point scale from Not very true of me to Very true of me)",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D364))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D364))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D364))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F364))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G364))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H364))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I364))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I364))),\"\")","v":""}]
[false,"Out","14-16 yrs",365,"Mindset","General mindset","CYP have self-esteem","Young people have a sense of their own value or worth","Do you think that your parents usually like to hear about your ideas? (Yes/No/Don't know)\n\nWhen you have to say things in front of teachers, do you usually feel shy? (Yes/No/Don't know)\n\nAre there lots of things about yourself you would like to change? (Yes/No/Don't know)\n\nI have high self-esteem (7 point scale from Not very true of me to Very true of me)",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D365))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D365))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D365))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F365))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G365))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H365))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I365))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I365))),\"\")","v":""}]
[false,"Out","14-16 yrs",366,"Mindset","General mindset","CYP have self-esteem","Young people have a sense of their own value or worth","Do you think that your parents usually like to hear about your ideas? (Yes/No/Don't know)\n\nWhen you have to say things in front of teachers, do you usually feel shy? (Yes/No/Don't know)\n\nAre there lots of things about yourself you would like to change? (Yes/No/Don't know)\n\nI have high self-esteem (7 point scale from Not very true of me to Very true of me)",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D366))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D366))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D366))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F366))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G366))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H366))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I366))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I366))),\"\")","v":""}]
[false,"Out","14-16 yrs",367,"Mindset","General mindset","CYP display self-control/self-regulation","Children show appropriate behaviour","I often fight with other people\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n\nI get angry quickly\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n\nI sometimes take things belonging to other people\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n\nI am generally willing to do what is asked of me (e.g. by teachers or parents)\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n\nOther people say I tell lies\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all","Y (second Q; fourth Q)","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D367))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D367))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D367))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F367))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G367))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H367))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I367))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I367))),\"\")","v":""}]
[false,"Out","14-16 yrs",368,"Mindset","General mindset","CYP display self-control/self-regulation","Children show perseverance","Setbacks don’t discourage me. \nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all \n\nI finish whatever I begin. \nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all \n\nI persist (carry on) with work whether it is difficult or not. \nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n","Y (third Q)","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D368))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D368))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D368))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F368))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G368))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H368))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I368))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I368))),\"\")","v":""}]
[false,"Out","14-16 yrs",369,"Mindset","General mindset","CYP have self-efficacy","Young people believe they can improve their abilities through personal effort","Do you usually feel that it's almost useless to try in school because most students are cleverer than you? (Yes/No/Don't know)\n\nWhen someone is very angry with you is it impossible to make him your friend again? (Yes/No/Don't know)\n\nWhen bad things happen to you it is usually someone else's fault? (Yes/No/Don't know)\n\nWhen nice things happen to you is it only good luck? (Yes/No/Don't know)","Y (fourth Q)","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D369))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D369))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D369))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F369))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G369))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H369))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I369))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I369))),\"\")","v":""}]
[false,"Out","14-16 yrs",370,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people know what bank accounts are, how they work and the benefits of having them (11-14)","Do you know what a bank account is? (7-11)\n1. Yes\n2. No\n\n\nA bank account is somewhere people can keep their money rather than keeping it at home. Credit union and building society accounts are like bank accounts, if you have a credit union or building society account you should answer yes to this question. Do you have a bank account of your own?\n\nSC\n1. Yes\n2. No\n3. I don’t know if I have one\n\nASK ALL WITH A BANK/B.S. ACCOUNT:\nWhich of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D370))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D370))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D370))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F370))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G370))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H370))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I370))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I370))),\"\")","v":""}]
[false,"Out","14-16 yrs",371,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people are aware of the different types of savings products available (eg. savings accounts, junior ISAs, child trust funds, etc.) and are aware of the pros and cons of each (11-14)","Before today, which of the following financial products have you heard of?\nCurrent account\nSavings account\nISAs\nChild trust funds or Junior ISAs\n\n\nWhich of the following do you have in your own name?\nCurrent account\nSavings account\nISAs\nChild trust funds or Junior ISAs",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D371))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D371))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D371))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F371))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G371))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H371))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I371))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I371))),\"\")","v":""}]
[false,"Out","14-16 yrs",372,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people understand how to set up a current or savings account (7-11, 11-14)","To set up a bank account which of these things do you think you would need?\n1. Name and address\n2. Date of birth\n3. Birth certificate\n4. Passport\n5. Note from your school\n6. Parents' personal details\n7. A computer/laptop/tablet\n8. A credit card\n9. Some money",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D372))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D372))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D372))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F372))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G372))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H372))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I372))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I372))),\"\")","v":""}]
[false,"Out","14-16 yrs",373,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people understand the role of student loans and the way in which they work","Student  loans are a cheap way to borrow money.\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know \n\nPlease indicate whether you think the following statements are True or False:\n1. Student loans need to be paid immediately after graduation\n2. You must start to repay a student loan if you earn above a certain amount\n3. Student loans are cleared after 25 years \n4. One does not need to pay the student loans if s/he is self-employed\n5. Student loans repayments are calculated each month based on one's salary",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D373))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D373))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D373))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F373))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G373))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H373))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I373))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I373))),\"\")","v":""}]
[false,"Out","14-16 yrs",374,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people understand what insurance is for and where to go to access it","Why  would someone buy insurance? Please choose all that apply:\n1. To cover the cost if they lose something\n2. To cover the cost if something they owned broke\n3. To cover the costs if something they owned got stolen\n4. To replace an older object (such as a mobile) with a new one\n\n\nPlease indicate whether you think the following statements are True or False (True/False/Don't Know)\n1. You can get better deals on insurance if you shop around\n2. If you own a car you must have car insurance to drive it\n3. If you own a mobile phone you are legally obliged to insure it\n4. All insurance policies have the same terms and conditions\n5. Insurers can refuse to pay for things depenfing on the terms and conditions",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D374))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D374))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D374))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F374))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G374))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H374))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I374))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I374))),\"\")","v":""}]
[false,"Out","14-16 yrs",375,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people understand what insurance is for and where to go to access it","Which of the following can people buy insurance for? Choose all that apply\n1.  Mobile phone \n2. Home contents\n3. Car\n4. Pet\n5. Life insurance (to provide a cash pay-out if they die)\n6. Dental and medical (to provide private care if they get sick)\n7. Travel insurance (to cover holidays)\n",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D375))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D375))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D375))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F375))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G375))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H375))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I375))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I375))),\"\")","v":""}]
[false,"Out","14-16 yrs",376,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people understand that borrowing money and not being able to pay it back can have negative consequences (11-14)","Do you agree or disagree with the following statements?                      \n  \n1. Borrowing money is OK as long as you pay bits back regularly\n2. Borrowing money for a long time means you may have to pay back a lot more than you borrowed\n3. If you borrow money and do not pay it back nothing will happen\n4. Getting into debt means it is harder to get loans, credit cards and mobile phone contracts in the future\n\nAgree\nDisagree\n\n","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D376))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D376))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D376))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F376))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G376))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H376))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I376))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I376))),\"\")","v":""}]
[false,"Out","14-16 yrs",377,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people understand what interest is, and how it can be added to money that people save or borrow (7-11, 11-14, 14-16)","Can you pick the word that best fits the description?\n\nThe amount the price of things in shops goes up by\n\nThe money that is added to savings by banks or building soceties\n\nThe money people pay to  government\n\nThe amount you get when you retire from working\n\nThe amount of money you have in your bank account\n\nInterest\nPension\nInflation\nBalance\nTax\nBenefit\nCredit\nDebit\nDon't know","Y","N","Draw a line between word and description if on paper or use drag and drop if online",null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D377))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D377))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D377))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F377))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G377))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H377))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I377))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I377))),\"\")","v":""}]
[false,"Out","14-16 yrs",378,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people understand that you can pay for things in different ways (eg. cash, direct debit from a bank account, debit card etc) and the reasons for chosing one method over another (7-11, 11-14)"," Which of the following methods do you use to pay for things you want to buy? SELECT ALL THAT APPLY\n1. Cash - notes or coins\n2. Debit card\n3. Pre-paid card\n4. Online account (e.g. Paypal)\n5. Mobile phone\n6. Something else (specify for pilot)\n7.  Other people buy things for me\n8. Don’t know\n\nAnd which of the following ways do you see your parents pay for things? SELECT ALL THAT APPLY\n1. Cash – notes or coins\n2. Debit card\n3. Pre-paid card\n4. Online account (e.g. Paypal)\n5. Mobile phone\n6. Credit card\n7. Direct debit\n8. None of the above\n9. Don’t know\n\nIs this true or false?\n\nA debit card takes money directly from your bank account, a credit card lets you borrow money and pay it back later\n\nDirect debits can take money from your bank account each month for regular bills\n\nTrue\nFalse",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D378))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D378))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D378))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F378))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G378))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H378))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I378))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I378))),\"\")","v":""}]
[false,"Out","14-16 yrs",379,"Ability","Understanding financial products and concepts","CYP understand how to choose financial products that meet their needs","Young people understand the things they need to think about when choosing between different current or savings accounts (eg. interest rates, how quickly and easily they can access the money, different account features, etc.) (11-14)","Which of these features should you think about when choosing a bank account?\nTick all that apply\n\n1. Having a cash card or debit card\n2. Ease of getting to the bank\n3. Whether my friends use the same bank\n4. Whether my parents use the same bank\n5. Whether you can bank online or through an app\n6. Interest rate on the money in the bank account\n7. Whether you can access your money straightaway\n8. How much money you can take out per day\n9. Overdraft facility and how much it is\n10. Introductory offers (e.g. free tickets/travel card)\n11. Monthly fee and how much it is\n12. Special features (e.g. mobile phone insurance)\n13. Other (please write in)",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D379))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D379))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D379))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F379))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G379))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H379))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I379))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I379))),\"\")","v":""}]
[false,"Out","14-16 yrs",380,"Ability","Understanding financial products and concepts","CYP understand how to choose financial products that meet their needs","Young people know useful strategies when selecting financial products such as comparing deals, reading the small print, switching providers and seeking advice","The  next questions look at the sort of things people do when choosing financial products such as  bank account accounts or mobile phone tariffs. Please indicate whether you think the following statements are true or false (True/False/Don't Know)\n\n...You can get better deals on financial products if you shop around\n...It is important to read the terms and conditions before picking a  financial product. \n... Banks are legally obliged to tell me if my money could be doing better in another account\n... Mobile phone providers are legally obliged to tell me which tariff is best  for me\n ...You can often get better deals on financial products if you change provider regularly\n...Free neutral advice on choosing financial products is available, you just need to know where to find it",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D380))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D380))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D380))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F380))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G380))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H380))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I380))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I380))),\"\")","v":""}]
[false,"Out","14-16 yrs",381,"Ability","Understanding financial products and concepts","CYP understand how to choose financial products that meet their needs","Young people are aware that some saving products have higher interest than others","Which of the following statements is true and which is false:\n\nIt doesn't matter what kind of savings account you have, the interest rate is the same at all banks\nThere are some financial products which will give you a higher interest rate\nIf you negotiate with the bank, you can get a higher interest rate on your savings\nAll the saving products within the same bank offer the same interest rate",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D381))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D381))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D381))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F381))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G381))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H381))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I381))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I381))),\"\")","v":""}]
[false,"Out","14-16 yrs",382,"Ability","Understanding money management","CYP understand the value of money","Young people can make spending decisions appropriate to their age based on their needs and priorities","When you get money,  how often do you save at least some of it, [say by putting it in a piggy bank or cash box or into your bank account]?\nSELECT ONE ONLY\n1. Every time I get money\n2. Most times I get money\n3. Sometimes\n4. Never\n5. Don’t know \n\n[You said that you save some money every time/most times/some of the time you get money.] How often do you spend that money on things you want?\nSC\n\nEvery time I get money\nMost times I get money\nSometimes\nNever\nDon't know",null,"N","Filter second question by answer to first question",null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D382))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D382))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D382))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F382))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G382))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H382))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I382))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I382))),\"\")","v":""}]
[false,"Out","14-16 yrs",383,"Ability","Understanding money management","CYP understand the value of money","Young people understand the difference between 'price' and 'value' and that some things are better value than others (7-11)","You are thinking of buying some new trainers.  Which of these comes closest to your view?\n\n1. It's best to buy a well-known, expensive, brand\n2. It is worth considering a less expensive brand if it offers the same quality\n3. It is best to choose the cheapest ones you can get even if they won't last quite as long",null,"N","This question may be best administered through a paper or web self-completion as there may be social desirability bias here.",null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D383))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D383))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D383))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F383))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G383))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H383))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I383))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I383))),\"\")","v":""}]
[false,"Out","14-16 yrs",384,"Ability","Understanding money management","CYP understand the value of money","Young people understand how to shop around to get the best value for money and why this is important (7-11, 11-14)","How can you make sure you get a good deal when buying something?\n1. Buy the first thing you see\n2. Compare prices in different shops or online (1 point)\n3. Buy second hand (1 point)\n4. Buy non-branded goods (1 point)\n5. Only buy the things you really need (1 point)\n6. Wait for things you want to go on sale (1 point)\n7. Get someone else to buy it for you\n8. Don't know (0 points)\n\nWhy is it a good idea to shop around when picking where to buy something?\n\n1.  You can find the same thing for different prices in different shops (1 point)\n2. It is fun to shop around (0 point)\n3. Some shops sell better quality items compared to others(1 point)\n4. Shopping around can save you money (1 point)\n5. Don’t know (0 points)\n\n\n\n\n",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D384))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D384))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D384))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F384))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G384))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H384))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I384))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I384))),\"\")","v":""}]
[false,"Out","14-16 yrs",385,"Ability","Understanding money management","CYP know how to keep track of their money, and set and stick to a budget","Young people know how to set a budget appropriate to their age and accurately track their spending against it (11-14)","Do you know how much money you have in total? (IF HAVE BANK ACCOUNT INSERT [“including in your bank”])\nSC\n1. No \n2. Yes, roughly\n3. Yes exactly\n\n\nHow do you keep track of the money you get and the money you spend?\nMULTI\n\nOnline budgeting tool\nOnline bank account\nSpreadsheet\nPiece of paper\nIn my head (mentally)\nChecking my bank balance at a cash machine\nReviewing my bank statements\nOn a mobile app\nI don't keep track\nDon't know","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D385))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D385))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D385))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F385))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G385))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H385))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I385))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I385))),\"\")","v":""}]
[false,"Out","14-16 yrs",386,"Ability","Understanding money management","CYP know how to keep track of their money, and set and stick to a budget",null,"Some people set a plan for how they will spend their money and others do not. Which of these comes closest to how you feel about money planning?\n\n1. It's best to record the money you have and everything you spend to make sure you don't run out of money\n2. It is a good idea to keep an eye on your spending but it's not worth worrying about a pound here and there\n3. It's too much effort to keep track of spending; if you run out of money you'll just have to wait until you get more\n",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D386))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D386))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D386))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F386))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G386))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H386))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I386))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I386))),\"\")","v":""}]
[false,"Out","14-16 yrs",387,"Ability","Understanding money management","CYP know how to keep track of their money, and set and stick to a budget","Young people know how to use tools to help them budget (11-14)","ASK ALL WITH A BANK/B.S. ACCOUNT:\nWhich of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)\n\nASK ALL WITH MONEY (CODES 2-6 at first question): \nDo you know how much money you have in total? (IF HAVE BANK ACCOUNT INSERT [“including in your bank”])\nSC\n1. No \n2. Yes, roughly\n3. Yes exactly\n\n\nHow do you keep track of the money you get and the money you spend?\nMULTI\n\nOnline budgeting tool\nOnline bank account\nSpreadsheet\nPiece of paper\nIn my head (mentally)\nChecking my bank balance at a cash machine\nReviewing my bank statements\nOn a mobile app\nI don't keep track\nDon't know","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D387))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D387))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D387))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F387))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G387))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H387))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I387))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I387))),\"\")","v":""}]
[false,{"$f":"IF(A390=TRUE,\"In\",\"Out\")","v":"Out"},"14-16 yrs",388,"Ability","Understanding money management","CYP know how to keep track of their money, and set and stick to a budget","Young people know how to check a bank balance and read a bank statement (7-11, 11-14)","BSQ: Looking at this example of a bank statement, how much money was in the account at the end of February? \nPlease type in your answer to nearest pound__________________\n\n","Y","Y-BSQ",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D388))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D388))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D388))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F388))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G388))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H388))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I388))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I388))),\"\")","v":""}]
[false,"Out","14-16 yrs",389,"Ability","Understanding money management","CYP know how to keep track of their money, and set and stick to a budget","Young people know they need to keep information about their current and savings accounts safe (7-11, 11-14)","If have a bank account:\n\nDoes your bank account come with a card you can use to get cash from a cash point?\nYes \nNo\nDon't know\n\n{If yes} Who looks after your bank card?\n1. You\n2. Someone else (e.g. your parents or other)\n\n{if you} Which of the following should you do to keep your bank card PIN safe? Please select all the answers you think are correct\n1. Write down your PIN and keep it in your wallet in case you forget it\n2. Tell your best friend your PIN in case you forget it\n3. Keep your PIN secret from everyone\n4. Hide the keypad when you are entering your PIN at a cash point or shop\n5. Change your PIN if you think someone may have seen it\n\n Please say true or false to each statement (True/False/ Don’t know)\n1. It is important to keep your bank details, PIN and passwords secret.\n2. Your bank may email you sometimes to ask for your PIN. \n3. Criminals often pretend to be banks or other organisations to scam people\n4. Official people, like banks and police officers,  never ask for bank details (like your PIN) by phone or email\n5. Criminals can copy bank cards by using machines that look like ATMs or card payment machines\n6. It is always safe to use a cash machine, even if it looks damaged or unusual",null,"N","Filter from previous question on bank accounts, then filter subsequent questions on answers to previous. Last question in gorup can be asked to all.",null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D389))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D389))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D389))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F389))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G389))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H389))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I389))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I389))),\"\")","v":""}]
[false,"Out","14-16 yrs",390,"Ability","Understanding money management","CYP know how to save up for things they want and why it is good to save","Young people know how to make deposits into a bank account (7-11, 11-14)","Which of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)\n\nASK ALL WITH MONEY (CODES 2-6 at first question):  \nWhen you get money,  how often do you save at least some of it, [say by putting it in a piggy bank or cash box or into your bank account]?\nSELECT ONE ONLY\n1. Every time I get money\n2. Most times I get money\n3. Sometimes\n4. Never\n5. Don’t know ","Y (first Q)","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D390))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D390))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D390))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F390))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G390))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H390))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I390))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I390))),\"\")","v":""}]
[false,"Out","14-16 yrs",391,"Ability","Understanding money management","CYP know how to save up for things they want and why it is good to save","Young people understand why saving money for something you want to buy is important (7-11, 11-14)","Why is it good to save up for something you want to buy?\n1. Saving up for things yourself will help you learn money management for when you are older (2 points)\n2.  Other people may not have money to spare/ they may get irritated if you ask them for money (1 point)\n3. Saving up for something will mean you are less likely to make 'impulse buys'/ makes you more likely to buy thing you really want or need (1 point)\n4. You can spend the money you have saved on something else if youwant to\n4. To stop you getting into debt  (2 point)\n",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D391))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D391))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D391))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F391))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G391))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H391))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I391))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I391))),\"\")","v":""}]
[false,"Out","14-16 yrs",392,"Ability","Understanding money management","CYP know how to save up for things they want and why it is good to save","Young people understand why saving money for something you want to buy is important (7-11, 11-14)","Tristan  goes to a shop with his parents. He sees a cap he would really like to buy. The cap costs £15.  Tristan only has £10 right now, but next week he will get his pocket money.  Should Tristan:\n1. Ask his parents for more money so he can buy the cap now, or\n2. Buy the cap next week when he gets his pocket money\n\nWhat would you do in Tristan's situation?\n1. Ask your parents for the money so you can buy the cap straight away\n2. Buy the cap in a weeks time when you have more money\n",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D392))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D392))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D392))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F392))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G392))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H392))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I392))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I392))),\"\")","v":""}]
[false,"Out","14-16 yrs",393,"Ability","Understanding money management","CYP know how to save up for things they want and why it is good to save","Young people understand the value of saving for the future","How important do you think it is for you to save-up your money for the future in general?\n1. Very important\n2. Quite important\n3. Not that important \n4. Not important at all \n\nOR\n\n1. Very important\n2. Fairly important\n3. Neither important not unimportant\n4. Fairly unimportant\n5. Very unimportant",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D393))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D393))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D393))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F393))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G393))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H393))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I393))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I393))),\"\")","v":""}]
[false,"Out","14-16 yrs",394,"Ability","Understanding money management","CYP are aware of scams and fraud and know how to protect themselves from it","Young people understand about the different types of scams and identity theft, and know how to protect themselves from it (11-14)","Please say true or false to each statement (True/False/ Don’t know)\n1. It is important to keep your bank details, PIN and passwords secret.\n2. Your bank may email you sometimes to ask for your PIN. \n3. Criminals often pretend to be banks or other organisations to scam people\n4. Official people, like banks and police officers,  never ask for bank details (like your PIN) by phone or email\n5. Criminals can copy bank cards by using machines that look like ATMs or card payment machines\n6. It is always safe to use a cash machine, even if it looks damaged or unusual\n\n\nTo what extent do you agree or disagree with each of these statements? \n\n- I never open attachments from unknown email senders \n- I always lock my phone/ tablet/ laptop when I am not using it\n- I pick passwords  that will be difficult to break (long ones with both numbers and letters)\n– I never tell other people what my passwords are\n- I have anti-virus software  on my computer\n- I am careful about what information I publish about myself online and on social media\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know ",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D394))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D394))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D394))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F394))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G394))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H394))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I394))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I394))),\"\")","v":""}]
[false,"Out","14-16 yrs",395,"Ability","Understanding money management","CYP can apply their numeracy skills to financial issues","Young people can calculate what interest they would be paid or would owe if their saved or borrowed money (7-11, 11-14)","Suppose you put £100 into a savings account with a guaranteed interest rate of 2% per year. You don’t make any further payments into this account and you don’t withdraw any money.\nHow much would be in the account at the end of the first year, once the interest payment is made?   \nENTER AMOUNT\n Don’t know\n","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D395))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D395))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D395))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F395))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G395))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H395))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I395))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I395))),\"\")","v":""}]
[false,"Out","14-16 yrs",396,"Ability","Understanding money management","CYP can apply their numeracy skills to financial issues","Young people can calculate the impact of inflation and depreciation on their money","If the inflation rate is 5% and the interest rate you get on your savings is 3%, will your savings have more, less or the same amount of buying power in a year’s time?\n(SC)\n\n1. More\n2. The same\n3. Less\n4. Don’t know","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D396))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D396))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D396))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F396))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G396))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H396))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I396))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I396))),\"\")","v":""}]
[false,"Out","14-16 yrs",397,"Ability","Understanding money management","CYP can apply their numeracy skills to financial issues","Young people can work out how long they will need to save for to be able to buy something if they are saving a set amount a week (7-11, 11-14)","Greg gets £6.00 a week pocket money. How long would it take Greg to save up his pocket money to buy something that costs £26?\n\n",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D397))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D397))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D397))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F397))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G397))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H397))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I397))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I397))),\"\")","v":""}]
[false,"Out","14-16 yrs",398,"Ability","Understanding money management","CYP know where to get good advice and information on money management","Young people know how, where and when to seek advice about their current and future financial circumstances (11-14)","If you needed advice about money, who would you ask?\n\nMULTI\n\nI do not ask for advice about money (SC)\nMy parents or carers\nMy friends\nMy teachers\nOther family members\nOther adults\nOnline (for example - Youtube, Money Saving Expert)\nA bank, building society or other financial organisation\nTV programmes\nDon't know (SC)","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D398))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D398))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D398))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F398))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G398))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H398))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I398))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I398))),\"\")","v":""}]
[false,"Out","14-16 yrs",399,"Ability","Understanding money management","CYP know where to get good advice and information on money management","Young people know how, where and when to seek advice about their current and future financial circumstances (11-14)","And who would be the most useful?\n\nSINGLE\n\nMy parents or carers\nMy friends\nMy teachers\nOther family members\nOther adults\nOnline (for example - Youtube, Money Saving Expert)\nA bank, building society or other financial organisation\nTV programmes\nDon't know\nNone of them would give useful advice","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D399))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D399))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D399))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F399))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G399))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H399))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I399))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I399))),\"\")","v":""}]
[false,"Out","14-16 yrs",400,"Ability","Understanding the role of money in society","CYP understand the different sources of money","Young people understand that being financially independent and having their own source of income is an important part of being an adult (7-11, 11-14)","How important is it to you ... \n\n… to get a job when you finish education? \n… to not need  your parents' money when you are an adult (to be independant)? \n\n1. Very important\n2. Fairly important \n3. Not really important\n4. Not at all important \n",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D400))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D400))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D400))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F400))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G400))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H400))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I400))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I400))),\"\")","v":""}]
[false,"Out","14-16 yrs",401,"Ability","Understanding the role of money in society","CYP understand the different sources of money","Young people understand that the choices they make around education and work will affect the amount of money they have in adulthood (7-11, 11-14)","Which of these statements is true?\n                                                                                                   \n1. Young people who do well at school will find it easier to get well-paid jobs when they grow up\n2. It doesn't matter how well you do at school, you will find a well-paid job if you look hard",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D401))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D401))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D401))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F401))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G401))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H401))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I401))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I401))),\"\")","v":""}]
[false,"Out","14-16 yrs",402,"Ability","Understanding the role of money in society","CYP understand the different sources of money","Young people understand that different education & training options (eg. going to university or doing an apprenticeship) have different financial implications in both the short and longer term (11-14)","Which of these statements is true?\n                                                                                                   \n1. Young people who do well at school will find it easier to get well-paid jobs when they grow up\n2. It doesn't matter how well you do at school, you will find a well-paid job if you look hard",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D402))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D402))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D402))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F402))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G402))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H402))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I402))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I402))),\"\")","v":""}]
[false,"Out","14-16 yrs",403,"Ability","Understanding the role of money in society","CYP understand the different sources of money","Young people understand the role of the welfare system, including that benefit payments exist for people when they are unwell or unemployed and looking for work","Please indicate whether the following statements are true or false?\n\n\n1. The welfare system exists to support everyone in society\n2.  It's possible to receive money from the government if you choose not to work\n3. The welfare system only supports children and older people\n4. People who are unemployed and looking for work are entitled to benefit payments\n5. You can only receive benefit payments if you've paid taxes in the past\n6. The welfare system will give you money whenever you feel ill\n7. People can claim benefits payments if they are too unwell to work\n\nTrue\nFalse\nDon't know",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D403))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D403))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D403))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F403))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G403))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H403))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I403))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I403))),\"\")","v":""}]
[false,"Out","14-16 yrs",404,"Ability","Understanding the role of money in society","CYP understand that companies exist to make money","Young people understand the different ways that companies try to influence their spending, including through advertising, marketing, product placement and celebrity endorsements (11-14)","Now a little quiz:\nCompanies use lots of different ways to get people to spend money on their goods and services. Can you match some of these ways to their names? \n\n1. Advertising\n2. Marketing\n3. Product placement\n4. Celebrity endorsements\n\n\n- Placing images and examples of a product where lots of people can see it (e.g. on TV, in magazines or on social media)\n- The process of transferring goods and services from the seller to the buyer\n- Promoting goods and services through films, television or social media (e.g. someone using a certain type of smart phone in a film)\n- Paying someone famous to put their name and face to goods and services and help to sell them\n\n(if online) Drag & drop\n(if on paper) Draw a line between description and name",null,"N","(if online) Drag & drop\n(if on paper) Draw a line between description and name",null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D404))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D404))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D404))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F404))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G404))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H404))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I404))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I404))),\"\")","v":""}]
[false,"Out","14-16 yrs",405,"Ability","Understanding the role of money in society","CYP understand how taxes are collected and what they are used for","Young people understand that National Insurance and Income Tax is deducted from the money people earn to pay for public services (11-14)","Tax is money that the Government takes from the money that people earn. What is tax for?\n\nTo pay for things like hospitals and roads\nTo make sure people don't earn too much\nTo pay for lottery prizes\nTo pay for police and schools\nTo pay for supermarkets\n",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D405))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D405))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D405))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F405))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G405))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H405))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I405))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I405))),\"\")","v":""}]
[false,"Out","14-16 yrs",406,"Ability","Understanding the role of money in society","CYP understand how taxes are collected and what they are used for","Young people understand that National Insurance and Income Tax is deducted from the money people earn to pay for public services (11-14)","The amount of money people take home from their job is less  than they actually earn. Which of the following best describes why this is?\n\n1.  National insurance and income tax\n2.  Income tax, property tax and private medical insurance contributions\n3.  National insurance, share options in a business, VAT (value added tax )\n4. National insurance, income tax and student loan repayments",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D406))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D406))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D406))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F406))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G406))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H406))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I406))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I406))),\"\")","v":""}]
[false,"Out","14-16 yrs",407,"Ability","Understanding the role of money in society","CYP understand how taxes are collected and what they are used for","Young people understand that people have a tax free allowance and don't pay Income Tax on a portion of what they earn (11-14)","Do adults always have to pay tax on the income they earn?\n1. Yes\n2. No\n3. Don’t know\n\n\nThe first part of the money your earn is tax free. \n1. True \n2. False \n\nIf the income you make from all sources is under £11, 000 do you have to pay Income Tax on it?\n1. Yes\n2. No\n3. Don’t know\n",null,"N","Will need updating in 2017",null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D407))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D407))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D407))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F407))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G407))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H407))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I407))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I407))),\"\")","v":""}]
[false,"Out","14-16 yrs",408,"Ability","Understanding the role of money in society","CYP understand how taxes are collected and what they are used for","Young people understand that people have a tax free allowance and don't pay Income Tax on a portion of what they earn (11-14)","Here are some examples of sources on income. On which ones do people have to pay tax? Select all that apply\n1. Wages/salary from work\n2. Tips or bonuses from work\n3. Interest on savings in an ISA\n4. All of these\n5. Don’t know",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D408))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D408))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D408))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F408))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G408))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H408))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I408))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I408))),\"\")","v":""}]
[null,"Out","14-16 yrs",409,"Ability","Understanding values and emotions around money","CYP understand their own values and feelings around money",null,null,null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D409))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D409))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D409))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F409))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G409))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H409))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I409))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I409))),\"\")","v":""}]
[false,"Out","14-16 yrs",410,"Ability","Basic skills","CYP have good literacy skills","Young people perform at age appropriate levels in standardised literacy tests","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D410))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D410))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D410))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F410))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G410))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H410))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I410))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I410))),\"\")","v":""}]
[false,"Out","14-16 yrs",411,"Ability","Basic skills","CYP have good numeracy skills","Young people perform at age appropriate levels in standardised numeracy tests","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D411))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D411))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D411))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F411))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G411))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H411))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I411))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I411))),\"\")","v":""}]
[false,"Out","14-16 yrs",412,"Ability","Basic skills","CYP have good problem solving skills","Young people can identify and understand a problem","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D412))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D412))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D412))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F412))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G412))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H412))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I412))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I412))),\"\")","v":""}]
[false,"Out","14-16 yrs",413,"Ability","Basic skills","CYP have good problem solving skills","Young people can plan ways to solve a problem","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D413))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D413))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D413))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F413))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G413))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H413))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I413))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I413))),\"\")","v":""}]
[false,"Out","14-16 yrs",414,"Ability","Basic skills","CYP have good problem solving skills","Young people can monitor progress in tackling a problem","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D414))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D414))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D414))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F414))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G414))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H414))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I414))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I414))),\"\")","v":""}]
[false,"Out","14-16 yrs",415,"Ability","Basic skills","CYP have good problem solving skills","Young people can review solutions to problems and modify them if necessary","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D415))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D415))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D415))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F415))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G415))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H415))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I415))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I415))),\"\")","v":""}]
[false,"Out","14-16 yrs",416,"Ability","Other","Wellbeing",null,"To what extent do you agree with the following\n\nThinking about money makes me anxious\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D416))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D416))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D416))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F416))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G416))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H416))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I416))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I416))),\"\")","v":""}]
[false,"Out","16-18 yrs",417,"Financially capable behaviour",null,"CYP have their own regular source of money","Young people receive a regular income (eg. an allowance from their family or from a job) (14-16)","Where do you get your money from? \nMULTI\n1. I do not get any money from my parents or other people – SC\n2. Pocket money or allowance from my parents or carers\n3. From my parents or carers as a reward for doing something\n4. Pocket money from other members of my family \n5. Birthdays, Christmas or special occasions\n6. From work or a part-time job such as delivering papers\n7. Through selling things online or somewhere else\n8. Benefits payments\n9. Other (Please write in)\n\nASK ALL WITH POCKET MONEY (CODES 2 and 4 above): \nDo you receive the same amount of pocket money/allowance each week/month? \n1. Yes, the same\n2. No, it varies\n3. Don’t know","Y","N","This question needs to be asked first in all questionnaires as a filter for a number of other questions",null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D417))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D417))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D417))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F417))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G417))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H417))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I417))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I417))),\"\")","v":""}]
[false,"Out","16-18 yrs",418,"Financially capable behaviour","Managing your money well day-to-day",null,"Young people keep information about their current and savings accounts safe (7-11, 11-14, 14-16)","A bank account is somewhere people can keep their money rather than keeping it at home. Credit union and building society accounts are like bank accounts, if you have a credit union or building society account you should answer yes to this question. Do you have a bank account of your own?\n\nSC\n1. Yes\n2. No\n3. I don’t know if I have one\n\nIF HAVE A BANK ACCOUNT:\nDo you have any of the following wth your bank account? Pick all that apply\nPlastic card\nPIN (number)\nBank book\nAbility to access your account online\nNone of these\n\nIF HAVE A BANK BOOK OR CARD\nWhere do you keep your bank card or bank book? You can pick more than one answer.\nIn my purse/wallet\nMy parents keep it\nIn a safe place at home\nSomewhere else\nI don't have a special place where I keep this/these items\n\nIF HAVE A PIN NUMBER\nDo you keep your PIN number written down so you remember it?  You can pick all that apply\nYes, in my purse/wallet\nYes, at home\nYes, stored on a computer, tablet or phone\nNo, I just remember it in my head \nI don't use my PIN number/I have forgotten it\n\nIF HAVE AN ONLINE ACCOUNT\nDo you keep your online bank account login details written down so you remember them? You can pick all that apply\nYes, in my purse/wallet\nYes, at home\nYes, stored on a computer, tablet or phone\nNo, I just remember it in my head \nI don't use my online bank account/I have forgotten how to log in","Y (first Q)","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D418))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D418))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D418))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F418))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G418))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H418))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I418))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I418))),\"\")","v":""}]
[false,"Out","16-18 yrs",419,"Financially capable behaviour","Managing your money well day-to-day",null,"Young people have money saved up (5-7, 7-11, 11-14)","Do you know how much money you have in total? (IF HAVE BANK ACCOUNT INSERT [“including in your bank”])\nSC\n1. No \n2. Yes, roughly\n3. Yes exactly\n\n\nASK ALL WITH MONEY (CODES 2-6 at frist question):  \nWhen you get money, how often do you save at least some of it, [say by putting it in a cash box or into your bank account]?\nSELECT ONE ONLY\n1. Every time I get money\n2. Most times I get money\n3. Sometimes\n4. Never\n5. Don’t know","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D419))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D419))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D419))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F419))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G419))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H419))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I419))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I419))),\"\")","v":""}]
[false,"Out","16-18 yrs",420,"Financially capable behaviour","Managing your money well day-to-day",null,"Young people know how much money they have (inluding savings) and keep track of their spending, including by checking bank statements / online banking  (7-11, 11-14, 14-16)","ASK ALL WITH MONEY (CODES 2-6 at first question): \nDo you know how much money you have in total? (IF HAVE BANK ACCOUNT, including in your bank)\n1. No \n2. Yes, roughly\n3. Yes exactly\n\nWhich of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)\n\n\n\nHow do you keep track of the money you get and the money you spend?\nMULTI\n\nOnline budgeting tool\nOnline bank account\nSpreadsheet\nPiece of paper\nIn my head (mentally)\nChecking my bank balance at a cash machine\nReviewing my bank statements\nOn a mobile app\nI don't keep track\nDon't know","Y","N","Needs filter",null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D420))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D420))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D420))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F420))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G420))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H420))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I420))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I420))),\"\")","v":""}]
[false,"Out","16-18 yrs",421,"Financially capable behaviour","Managing your money well day-to-day",null,"Young people set themselves a budget that's appropriate and realistic for their circumstances and stick to it","Do you ever make a plan on how you will spend and save your money? For example by setting yourself a budget.\nCHOOSE ONE ONLY\n1. Yes\n2. No\n\n{If yes}\nAnd, how often do you keep to your plan or budget?\nCHOOSE ONE ONLY\nNever\nRarely\nSometimes\nOften\nDon't know",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D421))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D421))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D421))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F421))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G421))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H421))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I421))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I421))),\"\")","v":""}]
[false,"Out","16-18 yrs",422,"Financially capable behaviour","Managing your money well day-to-day",null,"Young people make complex choices about how to spend their money that are based on their needs and on value for money (11-14, 14-16)","When you want to buy something for yourself, how often... \nNever\nRarely\nSometimes\nOften\nDon't know\n\n...  do you think about whether your friends would approve of the item?\n...  do think about how much money you will have left to spend on other things?\n...  do think about how attractive or cool the item is?\n...  do think about how long the item will last?\n...  do think about whether the item is good value for money?\n... do you think about whether you should save your money for another day?","Y (some options)","N","Add to other questions with same opening statement if present in your questionnaire",null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D422))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D422))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D422))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F422))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G422))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H422))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I422))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I422))),\"\")","v":""}]
[false,"Out","16-18 yrs",423,"Financially capable behaviour","Managing your money well day-to-day",null,"Young people shop around to get the best deal for things that they need (7-11, 11-14, 14-16)","When you want to buy something for yourself, how often... do  you look in different places or stores to compare prices?\nNever\nRarely\nSometimes\nOften\nDon't know","Y","N","Add to other questions with same opening statement if present in your questionnaire",null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D423))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D423))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D423))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F423))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G423))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H423))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I423))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I423))),\"\")","v":""}]
[false,"Out","16-18 yrs",424,"Financially capable behaviour","Managing your money well day-to-day",null,"Young people save up for bigger things they want to buy (eg a holiday or a car) and can save over a longer time period (at least a year) (14-16)","What is the longest time you have saved up for? (for example to buy something you wanted)\nSC\n1. I haven’t saved up money before\n2. Less than a week\n3. More than a week but less than month\n4. More than a month but less than a year\n5. More than a year\n6. Don’t know\n","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D424))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D424))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D424))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F424))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G424))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H424))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I424))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I424))),\"\")","v":""}]
[false,"Out","16-18 yrs",425,"Financially capable behaviour","Managing your money well day-to-day",null,"Young people talk about money with friends and family openly (5-7, 7-11, 11-14, 14-16)","Do you talk about your money with any of the following people?\n\nMULTI\n\nI never talk about money (SC)\nFriends\nParents or carers\nTeachers\nMy brothers and sisters\nGrandparents or other family members\nDon't know (SC)","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D425))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D425))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D425))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F425))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G425))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H425))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I425))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I425))),\"\")","v":""}]
[false,"Out","16-18 yrs",426,"Financially capable behaviour","Managing your money well day-to-day",null,"Young people claim any benefits to which they are entitled","When did you last do each of the following things?:\n- Checked whether you are receiving all the benefits, tax credits or pension that you are entitled to\n- Applied for new or additional benefits that you are entitled to\n- Increased or tried to increase your income in some other way (e.g. applied for a job, claimed grants)\nCHOOSE ONE FOR EACH\n1. Within the last month\n2. Between one and three months ago\n3. Between three and six months ago\n4. Between six and one year ago\n5. Between one and five years ago\n6. More than five years ago\n7. Never (SINGLE CODE ONLY)\n8. Not applicable - don't have or need this (SINGLE CODE ONLY)",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D426))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D426))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D426))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F426))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G426))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H426))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I426))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I426))),\"\")","v":""}]
[false,"Out","16-18 yrs",427,"Financially capable behaviour","Preparing for and managing life events",null,"Young people have appropriate insurance","Which, if any, of the following types of insurance do you have? \nCHOOSE ALL THAT APPLY\n1.  Home insurance (covering contents and/or the building)\n2. Insurance for specific items (e.g. mobile phone)\n3. Anther type of insurance\n4. None of these (SINGLE CODE ONLY)",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D427))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D427))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D427))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F427))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G427))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H427))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I427))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I427))),\"\")","v":""}]
[false,"Out","16-18 yrs",428,"Connection","Access to and use of financial products and advice","CYP have access to their own financial products from a young age","Young people have access to their own current account (at a bank, building society, credit union, etc.) (7-11, 11-14, 14-16)","A bank account is somewhere people can keep their money rather than keeping it at home. Credit union and building society accounts are like bank accounts, if you have a credit union or building society account you should answer yes to this question. Do you have a bank account of your own?\n\nSC\n1. Yes\n2. No\n3. I don’t know if I have one\n\nASK ALL WITH A BANK/BS ACCOUNT (CODE 1 above): \nDo you know what type of bank account you have? Is it a….\nSINGLE CODE\n1. Current account\n2. Savings account\n3. I have both a current and a savings account\n4. I don’t know what type of bank account I have","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D428))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D428))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D428))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F428))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G428))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H428))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I428))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I428))),\"\")","v":""}]
[false,"Out","16-18 yrs",429,"Connection","Access to and use of financial products and advice","CYP have access to their own financial products from a young age","Young people have access to and use a debit card linked to their current account (11-14, 14-16)","ASK ALL WITH A BANK ACCOUNT:\nWhich of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)\n","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D429))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D429))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D429))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F429))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G429))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H429))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I429))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I429))),\"\")","v":""}]
[false,"Out","16-18 yrs",430,"Connection","Access to and use of financial products and advice","CYP have access to their own financial products from a young age","Young people have access to and manage their own savings account (at a bank, building society, credit union etc) (7-11, 11-14, 14-16)","A bank account is somewhere people can keep their money rather than keeping it at home. Credit union and building society accounts are like bank accounts, if you have a credit union or building society account you should answer yes to this question. Do you have a bank account of your own?\n\nSC\n1. Yes\n2. No\n3. I don’t know if I have one\n\nASK ALL WITH A BANK/BS ACCOUNT (CODE 1 above): \nDo you know what type of bank account you have? Is it a….\nSINGLE CODE\n1. Current account\n2. Savings account\n3. I have both a current and a savings account\n4. I don’t know what type of bank account I have","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D430))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D430))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D430))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F430))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G430))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H430))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I430))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I430))),\"\")","v":""}]
[false,"Out","16-18 yrs",431,"Connection","Access to and use of financial products and advice","CYP have access to their own financial products from a young age","Young people have the physical ability to access appropriate financial products which meet their needs via appropriate channels","How easy or difficult is it for you to do each of the folllowing things?\nCHOOSE ONE ONLY FOR EACH\n- Get to a Post Office using your normal forms of transport\n- Get to a Cash point using your normal forms of transport\n- Get to a Bank, building society or credit union using your normal forms of transport\n- Receive confidential financial documents by post, such as a payment card or chequebook\n\n1.Very easy\n2.Quite easy\n3.Quite difficult\n4.Very difficult\n5.Unable to go\n6.Do not wish to go",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D431))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D431))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D431))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F431))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G431))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H431))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I431))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I431))),\"\")","v":""}]
[false,"Out","16-18 yrs",432,"Connection","Access to and use of financial products and advice","CYP have access to their own financial products from a young age","Young people have the technical ability to access appropriate financial products which meet their needs via appropriate channels","In which of the following ways, if any, can or do you use the internet when you need to access information about money or your finances?\nCHOOSE ALL THAT APPLY\n1. At home, using a computer or laptop\n2. At home, using a mobile phone, tablet or internet-enabled TV\n3. At work, college or at a friend or relative's home\n4. In a library, community centre or other public setting\n5. Somewhere else\n6. Do not use the internet",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D432))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D432))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D432))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F432))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G432))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H432))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I432))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I432))),\"\")","v":""}]
[false,"Out","16-18 yrs",433,"Connection","Access to and use of financial products and advice","CYP are given experience of choosing their own financial products","Young people choose and set up their own current and savings accounts or have been involved in the decision-making","How involved are you in the following decisions about your money? \n(Fully involved / Partly involved / Not at all involved)\n\nChoosing my bank or savings account",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D433))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D433))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D433))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F433))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G433))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H433))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I433))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I433))),\"\")","v":""}]
[false,"Out","16-18 yrs",434,"Connection","Access to and use of financial products and advice","CYP are given experience of choosing their own financial products","Young people choose and set up their own mobile phone provider and package (if they own a mobile phone)","Do you get to have a choice in?\n \nThe cost of your mobile phone call and data package \n\n1. Yes\n2. No\n3. Don't know\n4. I don’t have a mobile phone\n\n\n","Y","N","Add to other questions with same opening statement if present in your questionnaire",null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D434))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D434))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D434))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F434))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G434))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H434))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I434))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I434))),\"\")","v":""}]
[false,"Out","16-18 yrs",435,"Connection","Access to and use of financial products and advice","CYP receive advice and guidance about money as well as wider life goals","Young people receive money advice and guidance from their family, teachers and other appropriate sources around money (11-14, 14-16)","How often do your parents or carers teach you about  money and spending?\nNever\nRarely\nSometimes\nOften\nDon't know\n\nHow often do your teachers teach you about  money and spending?\nNever\nRarely\nSometimes\nOften\nDon't know",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D435))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D435))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D435))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F435))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G435))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H435))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I435))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I435))),\"\")","v":""}]
[false,"Out","16-18 yrs",436,"Connection","Access to and use of financial products and advice","CYP receive advice and guidance about money as well as wider life goals","Young people receive money advice and guidance from their family, teachers and other appropriate sources around money (11-14, 14-16)","If you needed advice about money, who would you ask?\n\nPlease select all that apply.\n\nMULTICODE ALLOWED\n\nMy parents\nMy friends\nMy teachers\nOther family members (write in)\nInternet site (write in)\nA bank, building society or other financial organisation\nTV programmes (write in)\nOther (write in)\nI do not ask for advice about money\n\nHave you learnt about how to manage your money in school or college?\n(SINGLE)\n\nYes\nNo\nNot sure or don't remember\n\nWhich subjects did you learn how to manage your money in?\nMULTI\n\nMaths\nPSHE\nCitizenship\nBusiness & Finance\nEnterprise\nOther (please specify)\nDon't know","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D436))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D436))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D436))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F436))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G436))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H436))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I436))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I436))),\"\")","v":""}]
[false,"Out","16-18 yrs",437,"Connection","Access to and use of financial products and advice","CYP receive advice and guidance about money as well as wider life goals","Young people receive advice and guidance from their family, teachers and other appropriate sources on their education and career options (11-14, 14-16)","How confident are you that you know who to turn to for advice about education and careers?\n1. Very confident\n2. Fairly confident\n3. Not very confident\n4. Not at all confident\n\n\nWhich of the following people have given you advice about your education and career options. Select all that apply:\n1. Parents\n2. Siblings\n3. Other family members\n4. Friends\n5. A careers adviser or careers teacher at school\n6. Other teachers at school\n7. A Connexions personal adviser\n8. Someone else at Connexions\n9. Someone else (Please specify______)",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D437))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D437))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D437))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F437))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G437))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H437))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I437))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I437))),\"\")","v":""}]
[false,"Out","16-18 yrs",438,"Connection","Access to and use of financial products and advice","CYP receive advice and guidance about money as well as wider life goals","Young people know where to go for advice and guidance on finance options to fund further education (14-16)","If you needed advice and information about the different options for paying for education in the future where would you go?\nPlease select all that apply.\n\n1. My parents\n2. My friends\n3. Other family members (write in)\n4. My teachers/my school or college\n5. Internet site (write in)\n6. A bank, building society or other financial organisation\n7. TV programmes (write in)\n8. Other (write in)\n9. I haven't thought about this yet\n10. I don't need this kind of advice or information",null,0,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D438))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D438))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D438))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F438))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G438))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H438))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I438))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I438))),\"\")","v":""}]
[false,"Out","16-18 yrs",439,"Connection","Access to and use of financial products and advice","CYP receive advice and guidance about money as well as wider life goals","Young people have the physical ability to access financial advice, guidance and tools which meet their needs in a form and language they can understand, and channel they can use effectively","How easy or difficult is it for you to do each of the following things?\nCHOOSE ONE ONLY FOR EACH\n-Get to a Citizens Advice Bureau or other advice agency using your normal forms of transport\n-Get to a Jobcentre Plus or local benefit office using your normal forms of transport\n-Use a telephone in private to discuss financial matters\n-Receive confidential financial information by post\n\n1.Very easy\n2.Quite easy\n3.Quite difficult\n4.Very difficult\n5.Unable to go\n6.Do not wish to go",null,0,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D439))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D439))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D439))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F439))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G439))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H439))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I439))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I439))),\"\")","v":""}]
[false,"Out","16-18 yrs",440,"Connection","Access to and use of financial products and advice","CYP receive advice and guidance about money as well as wider life goals","Young people have the technical ability to access financial advice, guidance and tools which meet their needs in a form and language they can understand, and channel they can use effectively","In which of the following ways, if any, can or do you use the internet when you need to access information about money or your finances?\nCHOOSE ALL THAT APPLY\n1. At home, using a computer or laptop\n2. At home, using a mobile phone, tablet or internet-enabled TV\n3. At work, college or at a friend or relative's home\n4. In a library, community centre or other public setting\n5. Somewhere else\n6. Do not use the internet",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D440))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D440))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D440))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F440))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G440))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H440))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I440))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I440))),\"\")","v":""}]
[false,"Out","16-18 yrs",441,"Connection","Exposure to family finances","CYP witness financial transactions and processes","Young people are aware of the range of regular household bills to be paid (e.g. rent/mortgage, gas, electricity, council tax) (14-16)","Which of the following things do most adults pay for, and which do most adults get for free?\n\nRent or mortgage\nElectricity or gas at home\nWater at home\nVisits to a GP or hospital\nCouncil tax\nInternet at home\nBorrowing a library book\n\nPay for\nGet for free\nDon't know","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D441))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D441))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D441))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F441))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G441))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H441))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I441))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I441))),\"\")","v":""}]
[false,"Out","16-18 yrs",442,"Connection","Exposure to family finances","CYP are involved in discussions and decisions about household spending","Young people are involved when everyday household spending decisions are being taken (eg. about the weekly shop) and trade-offs are being made (5-7, 7-11, 11-14, 14-16)","Do you get to have a choice in?\n \nFamily days out or holidays \nWhat to buy in the family food shop\n\n1. Yes\n2. No\n3. Don't know\n\n\n","Y","N","Add to other questions with same opening statement if present in your questionnaire",null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D442))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D442))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D442))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F442))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G442))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H442))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I442))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I442))),\"\")","v":""}]
[false,"Out","16-18 yrs",443,"Connection","Exposure to family finances","CYP are involved in discussions and decisions about household spending","Young people are involved when everyday household spending decisions are being taken (eg. about the weekly shop) and trade-offs are being made (5-7, 7-11, 11-14, 14-16)","\nHere are some things that people your age have said about money. How strongly do you agree or disagree with them\nROTATE STATEMENTS\nSelect one for each row\nMy parents or carers discuss with me what we can and can’t afford to buy\nI don't like it when my parents or carers say I cannot have things I see in shops\nI don’t like it when friends have things I don’t have\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know \n","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D443))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D443))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D443))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F443))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G443))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H443))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I443))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I443))),\"\")","v":""}]
[false,"Out","16-18 yrs",444,"Connection","Experience of managing your own money (and the risks that come with it)","CYP have their own regular source of money","Young people receive a regular income (eg. an allowance from their family or from a job) (14-16)","Where do you get your money from? \nMULTI\n1. I do not get any money from my parents or other people – SC\n2. Pocket money or allowance from my parents or carers\n3. From my parents or carers as a reward for doing something\n4. Pocket money from other members of my family \n5. Birthdays, Christmas or special occasions\n6. From work or a part-time job such as delivering papers\n7. Through selling things online or somewhere else\n8. Benefits payments\n9. Other (Please write in)\n\nASK ALL WITH POCKET MONEY (CODES 2 and 4 above): \nDo you receive the same amount of pocket money/allowance each week/month? \n1. Yes, the same\n2. No, it varies\n3. Don’t know","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D444))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D444))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D444))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F444))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G444))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H444))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I444))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I444))),\"\")","v":""}]
[false,"Out","16-18 yrs",445,"Connection","Experience of managing your own money (and the risks that come with it)","CYP have responsibility for managing their own money","Young people look after their money themselves (11-14, 14-16)","IF HAVE BANK ACCOUNT:\nCan you take money out of your bank account without your parents' permission? Y/N\n\nDo your parents control the amount of money you take out of your bank account? Y/N\n\nIF DO NOT HAVE BANK ACCOUNT\nCan you spend your own money without your parents' permission? Y/N\n\nDo your parents control the amount of money you spend? Y/N",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D445))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D445))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D445))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F445))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G445))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H445))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I445))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I445))),\"\")","v":""}]
[false,"Out","16-18 yrs",446,"Connection","Experience of managing your own money (and the risks that come with it)","CYP have responsibility for managing their own money","Young people make their own decisions about  how to spend or save their money  (5-7, 7-11, 11-14, 14-16)","When you have money, who usually decides whether you save any of it? \nSC\n\nMy parents or carers decide \nI decide\nWe both decide\nDon’t know\n\nWhen you have money, who usually decides what you spend it on?\nSC\n \nMy parents or carers decide\nI decide\nWe both decide\nDon’t know","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D446))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D446))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D446))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F446))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G446))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H446))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I446))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I446))),\"\")","v":""}]
[false,"Out","16-18 yrs",447,"Connection","Experience of managing your own money (and the risks that come with it)","CYP have responsibility for managing their own money","Young people are given responsibility for paying for things they need out of their own money eg. mobile phone, travel or toiletries (11-14, 14-16)","Do you have to pay for any of the following things you need out of your money? \nSINGLE PER ROW\n1. Non-school clothes and shoes\n3. Toiletries & cosmetics\n4. Snacks or sweets\n5. Presents for other people \n6. Toys or games or gadgets\n7. Going  out with your friends\n\nNo - my parents pay for this for me\nYes - I sometimes pay for this from my own money\nYes - I mainly pay for this from my own money","Y (amended version)","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D447))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D447))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D447))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F447))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G447))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H447))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I447))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I447))),\"\")","v":""}]
[false,"Out","16-18 yrs",448,"Connection","Experience of managing your own money (and the risks that come with it)","CYP have experience of paying for goods and activities","Young people pay for things online (where able to) with their own money (such as apps, games or music) without supervision (14-16)","Have you ever bought something online by yourself?\n\nYes\nNo\nDon't know\n\nWhich of the following methods have you used to pay for things online?\n\nCash\nDebit card\nCredit card\nVoucher for an online shop\nOnline account (e.g. Paypal)\nOther (specify)\nI don't know how I paid for things online\nI don't pay for things online",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D448))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D448))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D448))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F448))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G448))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H448))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I448))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I448))),\"\")","v":""}]
[false,"Out","16-18 yrs",449,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP believe it's important to manage your money well and think carefully about how you spend it","Young people believe it is important to keep track of their money (7-11, 11-14, 14-16)","How important is it to check how much money you have?\n\nVery important\nQuite important\nNot very important\nNot at all important",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D449))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D449))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D449))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F449))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G449))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H449))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I449))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I449))),\"\")","v":""}]
[false,"Out","16-18 yrs",450,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP believe it's important to manage your money well and think carefully about how you spend it","Young people believe it is important to think carefully about what they spend their money on  (7-11, 11-14, 14-16)","Imagine you were given £5 to spend on a school trip. Would you plan how to spend the money and then stick to that plan? For example, would you work out how much you want to spend on different things like sweets or presents.\n1. Yes, I would make a plan and stick to it\n2. Yes, I would make a plan but would be unlikely to stick to it\n3. No, I wouldn’t make a plan\n4. Don’t know","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D450))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D450))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D450))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F450))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G450))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H450))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I450))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I450))),\"\")","v":""}]
[false,"Out","16-18 yrs",451,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP believe it's important to manage your money well and think carefully about how you spend it","Young people think it's important to shop around for things that they need and look for the best deals in order to make their money go further (7-11, 11-14, 14-16)","Imagine you need to buy a present. What do you do?\n\nGo to the nearest shop and buy the thing you want\nLook around a few different shops to see where it is cheapest\nLook online to find the cheapest price\nSomething else\nDon't know\n",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D451))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D451))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D451))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F451))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G451))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H451))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I451))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I451))),\"\")","v":""}]
[false,{"$f":"IF(A454=TRUE,\"In\",\"Out\")","v":"Out"},"16-18 yrs",452,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP think it's good to plan for the future and save up for things","Young people prefer to plan for the future rather than live for the day when it comes to their money (14-16)","When it comes to money I prefer to live for today rather than plan for tomorrow' \n\nStrongly agree \nSlightly agree \nNeither agree nor disagree\nSlightly disagree \nStrongly disagree\nDon't know\n",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D452))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D452))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D452))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F452))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G452))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H452))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I452))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I452))),\"\")","v":""}]
[false,"Out","16-18 yrs",453,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP think it's good to plan for the future and save up for things","Young people think that saving money for larger purchases is important for them to do (11-14, 14-16)","Imagine you want to buy something expensive. How would you get the money?\n\nI would save some money every week or month for it\n\nI would borrow money from my friends or family\n\nMy parents or guardian would pay for it\n\nSomeone else in my family would pay for it\n\nI would just not buy it\n\nOther\n\nDon't know",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D453))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D453))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D453))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F453))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G453))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H453))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I453))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I453))),\"\")","v":""}]
[false,"Out","16-18 yrs",454,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP think it's good to plan for the future and save up for things","Young people think it's important for them to save for the future (14-16)","How important do you think it is for you to save-up your money for the future in general?\n\n\n1. Very important\n2. Fairly important\n3. Neither important not unimportant\n4. Fairly unimportant\n5. Very unimportant",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D454))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D454))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D454))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F454))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G454))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H454))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I454))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I454))),\"\")","v":""}]
[false,"Out","16-18 yrs",455,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP think it's good to plan for the future and save up for things","Young people think it's important for them to save for the future (14-16)","Imagine someone gives you £10. How much would you spend and how much would you save for later?   \n(if online) SLIDER SCALE – Save £10 to Spend £10 – use £1 increments\n(if on paper) Spend all of it; Spend more than half; Spend about half; Spend less than half; Save all of it\n\nImagine someone gives you £100. How much would you spend and how much would you save for later?   \n(if online) SLIDER SCALE – Save £100 to Spend £100 – use £1 increments\n(if on paper) Spend all of it; Spend more than half; Spend about half; Spend less than half; Save all of it\n","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D455))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D455))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D455))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F455))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G455))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H455))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I455))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I455))),\"\")","v":""}]
[false,"Out","16-18 yrs",456,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP have a cautious attitude to borrowing and debt","Young people believe it is important to think about the potential consequences of borrowing money including the impact if they can't pay it back (14-16)","Below are some things people your age have said about borrowing money. Which one best describes how you feel about borrowing money?\n\nSINGLE\n\nI'd rather not borrow money\nBorrowing money is OK, but only if I can pay it back\nBorrowing money does not bother me at all, even if I can't afford to pay it back\nI don't know","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D456))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D456))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D456))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F456))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G456))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H456))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I456))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I456))),\"\")","v":""}]
[false,"Out","16-18 yrs",457,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP have a cautious attitude to borrowing and debt","Young people believe it is important to think about the potential consequences of borrowing money including the impact if they can't pay it back (14-16)","Steve is 18 and is studying at college. One night his home is burgled and his laptop to stolen. He does not have insurance.\nSteve needs a laptop as soon as possible so he can do his course and his friends and family cannot help him buy a replacement. He has enough money in his savings account to pay for a cheap laptop. However, if he spends his savings on a laptop he won’t be able to go on holiday with his friends like he had planned. What should Steve do?\n1. Use the savings to buy a laptop\n2. Apply for a credit card and use this to buy a laptop\n3. Get an instant pay day loan and use this to buy a laptop\n4. Drop out of college\n\nWhat would you do if you were in this situation? [options as above]",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D457))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D457))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D457))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F457))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G457))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H457))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I457))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I457))),\"\")","v":""}]
[false,"Out","16-18 yrs",458,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP accept that they cannot have everything they want and that everyone has to make trade-offs with their money","Young people are able to abstain from/delay spending in order to live within their means and save for the future","How much do you agree or disagree with each of the following statements?  \n \n- I tend to buy things even when I can’t really afford them\n - I tend to live for today and let tomorrow take care of itself  \n - I find it more satisfying to spend money than to save it for the long term \n\n1. Strongly agree\n2. Slightly agree\n3. Neither agree nor disagree\n4. Slightly disagree\n5. Strongly disagree\n6. Don’t know",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D458))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D458))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D458))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F458))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G458))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H458))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I458))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I458))),\"\")","v":""}]
[false,"Out","16-18 yrs",459,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP accept that they cannot have everything they want and that everyone has to make trade-offs with their money","Young people don't regularly ask other people for things they want but cannot afford to buy with their own money (14-16)","How often do you ask your parents to buy you things you want but don’t really need (such as new games or fashionable clothes)?\n1. I do this a lot\n2. I do this sometimes\n3. I rarely do this\n4. I never do this\n5. Don’t know\n\nHow much do you agree or disagree with the following statement \"I often feel annoyed with my parents if they won't buy me things I ask for\"\nStrongly agree\nSlightly agree\nNeither agree nor disagree\nSlightly disagree \nStrongly disagree\nDon't know",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D459))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D459))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D459))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F459))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G459))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H459))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I459))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I459))),\"\")","v":""}]
[false,"Out","16-18 yrs",460,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP feel confident and in control of their financial situation","Young people feel confident to manage their own money (7-11, 11-14, 14-16)","How confident do you feel managing your money?\n\nPlease answer on a scale of 0 to 10, where 0 is 'not at all confident' and 10 is 'very confident'","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D460))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D460))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D460))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F460))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G460))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H460))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I460))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I460))),\"\")","v":""}]
[false,"Out","16-18 yrs",461,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP feel confident and in control of their financial situation","Young people believe that they can influence and improve their own financial situation (now and in adulthood) through the choices they make (11-14, 14-16)","To what extent do you agree or disagree with the following\n\nNothing I do will make much difference to my money situation\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D461))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D461))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D461))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F461))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G461))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H461))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I461))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I461))),\"\")","v":""}]
[false,"Out","16-18 yrs",462,"Mindset","Attitudes to money management (including spending, saving and borrowing)","Attitudes to receiving money advice and guidance","Young people understand the value of financial advice and believe it can help them","How much do you agree or disagree with each of the following statements?  \n\n - Seeking financial advice seems too daunting \n - I think I would make better financial decisions with the help of advice\n -  I would feel too embarrassed to seek professional advice about money problems \n - When it comes to financial advice I don't know where to start. \n -  I can sort out my own money issues, without seeking advice \n - When it comes to choosing financial products (like savings accounts, insurance), I find there is not enough information out there that I can trust \n\n1. Strongly agree\n2. Slightly agree\n3. Neither agree nor disagree\n4. Slightly disagree\n5. Strongly disagree\n6. Don’t know\n",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D462))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D462))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D462))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F462))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G462))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H462))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I462))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I462))),\"\")","v":""}]
[false,"Out","16-18 yrs",463,"Mindset","Money and values","CYP do not value themelves or others by their material possessions","When making friends, material possessions are not the most important factor for young people (7-11,11-14, 14-16)","Which of the following things would you look for in a new friend?:\n1. Whether they are clever\n2. Whether they are cool or attractive\n3. Whether they own cool things\n4. Whether they are funny\n5. Whether they have the same hobbies as you\n6. Whether they are rich\n7. None of the above",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D463))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D463))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D463))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F463))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G463))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H463))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I463))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I463))),\"\")","v":""}]
[false,"Out","16-18 yrs",464,"Mindset","Money and values","CYP do not value themelves or others by their material possessions","Young people do not think that their possessions are the most important thing about them (7-11, 11-14, 14-16)","How important are each of the following to you (use importance scale listed above):\n1. Being popular at school\n2. Doing well in your school work\n3. Being viewed as cool or attractive\n4. Owning cool things\n5. Getting on well with your friends\n6. Getting on well with you family\n7. Being good at managing your money",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D464))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D464))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D464))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F464))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G464))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H464))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I464))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I464))),\"\")","v":""}]
[null,"Out","16-18 yrs",465,"Mindset","Money and values","CYP have a positive/healthy emotional relationship with money",null,"outcome added from adult fw, but as per adult fw further research is needed to understand what this is and what a suitable indicator & question would be",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D465))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D465))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D465))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F465))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G465))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H465))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I465))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I465))),\"\")","v":""}]
[false,"Out","16-18 yrs",466,"Mindset","Money and values","CYP feel comfortable talking openly about money with friends and family","Young people feel comfortable talking openly about money with friends and family (5-7, 7-11, 11-14, 14-16)","Do you talk about your money with any of the following people?\n\nMULTI\n\nI never talk about money (SC)\nFriends\nParents or carers\nTeachers\nMy brothers and sisters\nGrandparents or other family members\nDon't know (SC)","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D466))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D466))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D466))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F466))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G466))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H466))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I466))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I466))),\"\")","v":""}]
[false,"Out","16-18 yrs",467,"Mindset","Aspirations and goals","CYP aspire to be good at managing their money","Young people want to be good at managing their money (5-7, 7-11, 11-14, 14-16)","How important are each of the following to you\n1. Being popular at school\n2. Doing well in your school work\n3. Being viewed as cool or attractive\n4. Owning cool things\n5. Getting on well with your friends\n6. Getting on well with you family\n7. Being good at managing your money \n\n1. Very important\n2. Fairly important\n3. Neither important not unimportant\n4. Fairly unimportant\n5. Very unimportant",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D467))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D467))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D467))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F467))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G467))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H467))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I467))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I467))),\"\")","v":""}]
[false,"Out","16-18 yrs",468,"Mindset","Aspirations and goals","CYP have educational and career goals","Young people have goals around the education and qualifications they want to achieve (11-14, 14-16)","Which, if any, of the following goals would you like to achieve in the next 5 years?\n\nMULTICODE\n\nNothing, I have no goals for the next 5 years (SC)\nGet into university\nGo travelling\nGet a secure job when I leave education\nMove out of parents' home\nGet my own car\nNot rely on my parents for money\nGo on holiday with my friends\nStay in education past the age of 16 (11-15)\nGet good grades in my homework\nMake it into a sports team or music group or drama production\nStay in education\nI have other goals I would like to achieve","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D468))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D468))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D468))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F468))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G468))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H468))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I468))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I468))),\"\")","v":""}]
[false,"Out","16-18 yrs",469,"Mindset","Aspirations and goals","CYP have educational and career goals","Young people have goals around the job they want to do when they leave education (11-14, 14-16)","How important to you is it that…\n...you  get a job when you finish education?\n...you are rich when you are a grown-up?\n\n\n1. Very important\n2. Fairly important\n3. Neither important not unimportant\n4. Fairly unimportant\n5. Very unimportant\n\nDo you have any idea what job you would like to have when you are older? \n1. Yes- I know exactly what I want to be\n2. I have some ideas but I am not 100% decided\n3. No- I don't know what job I would like",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D469))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D469))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D469))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F469))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G469))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H469))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I469))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I469))),\"\")","v":""}]
[false,"Out","16-18 yrs",470,"Mindset","Aspirations and goals","CYP have educational and career goals","Young people have goals around the job they want to do when they leave education (11-14, 14-16)","{If 1 or 2 above} How likely are you to get the type of job you would like in the future?\n1. Very likely\n2. Somewhat likely\n3. Not very likely\n4. Not at all likely",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D470))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D470))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D470))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F470))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G470))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H470))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I470))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I470))),\"\")","v":""}]
[false,"Out","16-18 yrs",471,"Mindset","Aspirations and goals","CYP have financial goals","Young people aspire to earn their own money as adults rather than rely on others for money (11-14, 14-16)","Do you agree or disagree with the following statements?\n                                                       Agree                    Disagree\n\n1. It's important to earn your own money\n2. I would like to be able to pay my own way as soon as I'm old enough\n3. It's fine to not earn money because others will make sure you have enough to get by\n4. I'm looking forward to having a job and my own money\n5. It's a good idea to get a part-time job when you are old enough to earn money rather than relying on your parents",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D471))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D471))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D471))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F471))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G471))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H471))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I471))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I471))),\"\")","v":""}]
[false,"Out","16-18 yrs",472,"Mindset","Aspirations and goals","CYP have financial goals","Young people aspire to earn their own money as adults rather than rely on others for money (11-14, 14-16)","To what extent do you agree or disagree with the following\n\nHaving a job is the best way to be an independent person\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D472))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D472))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D472))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F472))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G472))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H472))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I472))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I472))),\"\")","v":""}]
[false,"Out","16-18 yrs",473,"Mindset","Aspirations and goals","CYP have financial goals","Young people aspire to earn their own money as adults rather than rely on others for money (11-14, 14-16)","At what age would you like to pay for your  home and bills rather than relying on your parents?\nWhen I am 16\nWhen I am 18\nWhen I am 21\nWhen I am 25\nWhen I am 30\nNever",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D473))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D473))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D473))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F473))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G473))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H473))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I473))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I473))),\"\")","v":""}]
[false,"Out","16-18 yrs",474,"Mindset","Aspirations and goals","CYP have financial goals","Young people have a plan for saving up a certain amount of money so that they can pay for something that they want themselves (they have a savings goal) (5-7, 7-11, 11-14, 14-16)","Do you save money, for example at home in a money box or in a savings account? Please choose one answer.\na) Yes I save regularly\nb) Yes, but only occasionally\nc) No\n\n\nASK IF ANSWERED a or b for question above:\nPeople save for different reasons. Which of these statements best describes why you save? Please choose one answer.\na) I’m saving because my parents or guardians say it’s a good idea\nb) I’m saving up for a specific thing I want to buy\nc) I’m saving because I want to but not towards anything in particular\nd) I’m only saving because my parents or guardians make me\n",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D474))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D474))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D474))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F474))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G474))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H474))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I474))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I474))),\"\")","v":""}]
[false,"Out","16-18 yrs",475,"Mindset","General mindset","CYP have self-esteem","Young people have a sense of their own value or worth","Do you think that your parents usually like to hear about your ideas? (Yes/No/Don't know)\n\nWhen you have to say things in front of teachers, do you usually feel shy? (Yes/No/Don't know)\n\nAre there lots of things about yourself you would like to change? (Yes/No/Don't know)\n\nI have high self-esteem (7 point scale from Not very true of me to Very true of me)","Y (second Q; third Q; fourth Q)","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D475))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D475))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D475))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F475))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G475))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H475))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I475))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I475))),\"\")","v":""}]
[false,"Out","16-18 yrs",476,"Mindset","General mindset","CYP have self-esteem","Young people have a sense of their own value or worth","Do you think that your parents usually like to hear about your ideas? (Yes/No/Don't know)\n\nWhen you have to say things in front of teachers, do you usually feel shy? (Yes/No/Don't know)\n\nAre there lots of things about yourself you would like to change? (Yes/No/Don't know)\n\nI have high self-esteem (7 point scale from Not very true of me to Very true of me)",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D476))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D476))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D476))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F476))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G476))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H476))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I476))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I476))),\"\")","v":""}]
[false,"Out","16-18 yrs",477,"Mindset","General mindset","CYP have self-esteem","Young people have a sense of their own value or worth","Do you think that your parents usually like to hear about your ideas? (Yes/No/Don't know)\n\nWhen you have to say things in front of teachers, do you usually feel shy? (Yes/No/Don't know)\n\nAre there lots of things about yourself you would like to change? (Yes/No/Don't know)\n\nI have high self-esteem (7 point scale from Not very true of me to Very true of me)",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D477))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D477))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D477))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F477))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G477))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H477))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I477))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I477))),\"\")","v":""}]
[false,"Out","16-18 yrs",478,"Mindset","General mindset","CYP have self-esteem","Young people have a sense of their own value or worth","Do you think that your parents usually like to hear about your ideas? (Yes/No/Don't know)\n\nWhen you have to say things in front of teachers, do you usually feel shy? (Yes/No/Don't know)\n\nAre there lots of things about yourself you would like to change? (Yes/No/Don't know)\n\nI have high self-esteem (7 point scale from Not very true of me to Very true of me)",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D478))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D478))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D478))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F478))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G478))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H478))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I478))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I478))),\"\")","v":""}]
[false,"Out","16-18 yrs",479,"Mindset","General mindset","CYP display self-control/self-regulation","Children show appropriate behaviour","I often fight with other people\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n\nI get angry quickly\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n\nI sometimes take things belonging to other people\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n\nI am generally willing to do what is asked of me (e.g. by teachers or parents)\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n\nOther people say I tell lies\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n","Y (second Q; fourth Q)","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D479))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D479))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D479))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F479))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G479))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H479))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I479))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I479))),\"\")","v":""}]
[false,"Out","16-18 yrs",480,"Mindset","General mindset","CYP display self-control/self-regulation","Children show perseverance","Setbacks don’t discourage me. \nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all \n\nI finish whatever I begin. \nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all \n\nI persist (carry on) with work whether it is difficult or not. \nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all","Y (third Q)","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D480))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D480))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D480))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F480))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G480))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H480))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I480))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I480))),\"\")","v":""}]
[false,"Out","16-18 yrs",481,"Mindset","General mindset","CYP have self-efficacy","Young people believe they can improve their abilities through personal effort","Do you usually feel that it's almost useless to try in school/college because most students are cleverer than you? (Yes/No/Don't know)\n\nWhen someone is very angry with you is it impossible to make him your friend again? (Yes/No/Don't know)\n\nWhen bad things happen to you it is usually someone else's fault? (Yes/No/Don't know)\n\nWhen nice things happen to you is it only good luck? (Yes/No/Don't know)","Y (fourth Q)","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D481))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D481))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D481))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F481))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G481))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H481))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I481))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I481))),\"\")","v":""}]
[false,"Out","16-18 yrs",482,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people know what current accounts are, how they work and the benefits of having them (11-14, 14-16)","Do you know what a bank account is?\n1. Yes\n2. No\n\n\nA bank account is somewhere people can keep their money rather than keeping it at home. Credit union and building society accounts are like bank accounts, if you have a credit union or building society account you should answer yes to this question. Do you have a bank account of your own?\n\nSC\n1. Yes\n2. No\n3. I don’t know if I have one\n\nASK ALL WITH A BANK ACCOUNT:\nWhich of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D482))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D482))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D482))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F482))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G482))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H482))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I482))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I482))),\"\")","v":""}]
[false,"Out","16-18 yrs",483,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people know what current accounts are, how they work and the benefits of having them (11-14, 14-16)","Why is important to have a current account in your name?\n1. To receive payments for work and/or one off money from friends and family straight into my account\n2. To be able to pay for things myself\n3. To be able to withdraw cash if I need to\n4. To be able to set up Direct Debit for pay different bills (such as, my mobile phone bill)\n5. To be able to check my balance\n6. To be able to transfer money",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D483))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D483))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D483))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F483))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G483))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H483))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I483))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I483))),\"\")","v":""}]
[false,"Out","16-18 yrs",484,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people understand basic financial concepts and are able to answer basic questions around interest rates, loan types, investment, inflation etc.","Can you pick the word that best fits the description?\n\nThe amount the price of things in shops goes up by\n\nThe money that is added to savings by banks or building soceties\n\nThe money people pay to  government\n\nThe amount you get when you retire from working\n\nThe amount of money you have in your bank account\n\nInterest\nPension\nInflation\nBalance\nTax\nBenefit\nCredit\nDebit\nDon't know","Y","N","Draw a line between word and description if on paper or use drag and drop if online",null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D484))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D484))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D484))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F484))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G484))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H484))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I484))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I484))),\"\")","v":""}]
[false,"Out","16-18 yrs",485,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people are aware of the different types of savings products available (eg. savings accounts, junior ISAs, child trust funds, etc.) and are aware of the pros and cons of each (11-14)","Before today, which of the following financial products had you heard of?\nCurrent account\nSavings account\nISAs\nChild trust funds or Junior ISAs\nWhich of the following do you have in your own name?\nCurrent account\nSavings account\nISAs\nChild trust funds or Junior ISAs\n\nPlease indicate whether you think the following statements are true or false (True/False/Don't Know)\nGaining interest on savings is a way of making your money grow\nAll banks have to give you the same level of interest on your savings\nCurrent accounts are usually used for day-to-day banking when you want to get money in and out easily\nSavings accounts usually give you higher rates of interest than current accounts\nYou might get a higher level of interest on a savings account if you  put in money every month\nISAs and junior ISAs are a type of savings account where do not have to pay tax on interest earned\nThere is no limit on the amount of money you can put into an ISA each year\n",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D485))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D485))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D485))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F485))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G485))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H485))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I485))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I485))),\"\")","v":""}]
[false,"Out","16-18 yrs",486,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people are aware of the various ways to borrow money as an adult and that these are associated with different levels of risk","When you are 18 you may be offered products to help your borrow money, which of these have you heard of?\n1. Credit card\n2. Store cards or store credit\n3. Bank loan\n4. Pay day loan\n5. Student loan\n6. Mortgage\n7. Overdraft\n8. None of the above\n\n{For each item named above}\nHow confident would you feel explaining to a friend what a [NAME OF CREDIT TYPE} is?\n1. Very confident\n2. Fairly confident\n3. Not very confident\n4. Not at all confident\n\nThe following questions are about borrowing money and buying things on credit.  Which of the following statements are true and which are false? (True/ False/ Don't know)\n1.  When you borrow money you will often be charged interest (you will pay back more than you borrow)\n2. All credit card providers charge the same rate of interest \n3. Generally, the quicker you can pay off a debt, the less interest you have to pay\n4. Pay day loans usually have lower interest rates than credit cards\n5.  It is easy to get away with not paying money back\n6. Some types of borrowing are more expensive than others\n7. You may be fined if you don't pay money back on time\n8. You may be fined if you use an overdraft that has not been agreed in advance with your bank",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D486))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D486))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D486))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F486))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G486))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H486))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I486))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I486))),\"\")","v":""}]
[false,"Out","16-18 yrs",487,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people understand the role of student loans and the way in which they work (14-16)","Student  loans are a cheap way to borrow money.\n\n1. Strongly agree\n2. Agree\n3. Neither agree nor disagree\n4. Disagree\n5. Strongly Disagree\n6. Don't know\n\n\nPlease indicate whether you think the following statements are True or False (True/False/Don't Know):\n1. Student loans are repaid based on what you earn after you graduate\n2.  You might not have to repay the full amount of the loan for example if you do not get a job after university\n3. Repayments are taken automatically from what you earn\n4. Student loans are cleared if they are not repaid within 30 years\n5. Student loans are a very expensive way of borrowing money compared to other loans\n6. Student loan repayments are collected by debt collectors\n7. You must always repay the full amount you borrowed with a student loan",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D487))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D487))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D487))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F487))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G487))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H487))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I487))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I487))),\"\")","v":""}]
[false,"Out","16-18 yrs",488,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people understand what insurance is for and where to go to access it (14-16)","Why  would someone buy insurance? Please choose all that apply:\n1. To cover the cost if they lose something\n2. To cover the cost if something they owned broke\n3. To cover the costs if something they owned got stolen\n4. To replace an older object (such as a mobile) with a new one\n5. To save for retirement\n\n\n\nPlease indicate whether you think the following statements are true or false (True/False/Don't Know)\n1. You can get better deals on insurance if you shop around\n2. If you own a car you must have car insurance to drive it\n3. If you own a mobile phone you are legally obliged to insure it\n4. All insurance policies have the same terms and conditions\n5. Insurers can refuse to pay for things depenfing on the terms and conditions\n",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D488))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D488))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D488))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F488))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G488))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H488))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I488))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I488))),\"\")","v":""}]
[false,"Out","16-18 yrs",489,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language",null,"Which of the following can people buy insurance for? Choose all that apply\n1.  Mobile phone \n2. Home contents\n3. Car\n4. Pet\n5. Life insurance (to provide a cash pay-out if they die)\n6. Dental and medical (to provide private care if they get sick)\n7. Travel insurance (to cover holidays)",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D489))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D489))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D489))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F489))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G489))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H489))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I489))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I489))),\"\")","v":""}]
[false,"Out","16-18 yrs",490,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people know how to maintain a good credit record","What is a credit record? Pick the option that is the best description.\n1.  A credit card statement from a bank\n2. A store card bill \n3. A record showing your mobile phone history\n4. A record of all credit you have borrowed from different places (banks, stores, etc.) and whether this has been paid back \n\n\nWhich of the following things are important if you want to have a good credit record? Select all that apply\n\n1. Your education\n2. Whether you are a registered voter\n3. Whether you have a credit card\n4. Whether you pay your credit card on time \n5. Whether you have debts\n6. Whether you are registered with a G.P.",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D490))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D490))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D490))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F490))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G490))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H490))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I490))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I490))),\"\")","v":""}]
[false,"Out","16-18 yrs",491,"Ability","Understanding financial products and concepts","CYP understand how to choose financial products that meet their needs","Young people understand the things they need to think about when choosing between different current or savings accounts (eg. interest rates, how quickly and easily they can access the money, different account features etc.) (11-14, 14-16)","Which of these features should you think about when choosing a bank account?\nTick all that apply\n\n1. Having a cash card or debit card\n2. Ease of getting to the bank\n3. Whether my friends use the same bank\n4. Whether my parents use the same bank\n5. Whether you can bank online or through an app\n6. Interest rate on the money in the bank account\n7. Whether you can access your money straightaway\n8. How much money you can take out per day\n9. Overdraft facility and how much it is\n10. Introductory offers (e.g. free tickets/gadget)\n11. Monthly fee and how much it is\n12. Special features (e.g. mobile phone insurance)\n13. Other (please write in)",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D491))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D491))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D491))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F491))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G491))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H491))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I491))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I491))),\"\")","v":""}]
[false,"Out","16-18 yrs",492,"Ability","Understanding financial products and concepts","CYP understand how to choose financial products that meet their needs","Young people know useful strategies when selecting financial products such as comparing deals, reading the small print, switching providers and seeking advice (14-16)","The  next questions look at the sort of things people do when choosing financial products such as  bank account accounts or mobile phone tariffs. Please indicate whether you think the following statements are true or false (True/False/Don't Know)\n\n...You can get better deals on financial products if you shop around\n...It is important to read the terms and conditions before picking a  financial product. \n... Banks are legally obliged to tell me if my money could be doing better in another account\n... Mobile phone providers are legally obliged to tell me which tariff is best  for me\n ...You can often get better deals on financial products if you change provider regularly\n...Free neutral advice on choosing financial products is available, you just need to know where to find it",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D492))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D492))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D492))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F492))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G492))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H492))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I492))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I492))),\"\")","v":""}]
[false,"Out","16-18 yrs",493,"Ability","Understanding financial products and concepts","CYP understand how to choose financial products that meet their needs","Young people are aware that some saving and borrowing products have higher interest than others","Which of the following statements is true and which is false:\n\nIt doesn't matter what kind of savings account you have, the interest rate is the same at all banks\nThere are some financial products which will give you a higher interest rate\nIf you negotiate with the bank, you can get a higher interest rate on your savings\nAll the saving products within the same bank offer the same interest rate",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D493))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D493))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D493))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F493))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G493))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H493))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I493))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I493))),\"\")","v":""}]
[false,"Out","16-18 yrs",494,"Ability","Understanding money management","CYP understand the value of money","Young people can make spending decisions appropriate to their age based on their needs and priorities (14-16)","When you get money,  how often do you save at least some of it, [say by putting it in a piggy bank or cash box or into your bank account]?\nSELECT ONE ONLY\n1. Every time I get money\n2. Most times I get money\n3. Sometimes\n4. Never\n5. Don’t know \n\n[You said that you save some money every time/most times/some of the time you get money.] How often do you spend that oney on things you want?\nSC\n\nEvery time I get money\nMost times I get money\nSometimes\nNever\nDon't know","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D494))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D494))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D494))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F494))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G494))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H494))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I494))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I494))),\"\")","v":""}]
[false,"Out","16-18 yrs",495,"Ability","Understanding money management","CYP understand the value of money","Young people understand the difference between 'price' and 'value' and that some things are better value than others (7-11, 11-14, 14-16)","You are thinking of buying some new trainers.  Which of these comes closest to your view?\n\n1. It's best to buy a well-known, expensive, brand\n2. It is worth considering a less expensive brand if it offers the same quality\n3. It is best to choose the cheapest ones you can get even if they won't last quite as long",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D495))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D495))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D495))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F495))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G495))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H495))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I495))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I495))),\"\")","v":""}]
[false,"Out","16-18 yrs",496,"Ability","Understanding money management","CYP understand the value of money","Young people understand how to shop around to get the best value for money and why this is important (7-11, 11-14, 14-16)","How can you make sure you get a good deal when buying something?\n1. Buy the first thing you see\n2. Compare prices in different shops or online (1 point)\n3. Buy second hand (1 point)\n4. Buy non-branded goods (1 point)\n5. Only buy the things you really need (1 point)\n6. Wait for things you want to go on sale (1 point)\n7. Get someone else to buy it for you\n8. Don't know (0 points)\n\nWhy is it a good idea to shop around when picking where to buy something?\n\n1.  You can find the same thing for different prices in different shops (1 point)\n2. It is fun to shop around (0 point)\n3. Some shops sell better quality items compared to others(1 point)\n4. Shopping around can save you money (1 point)\n5. Don’t know (0 points)",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D496))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D496))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D496))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F496))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G496))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H496))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I496))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I496))),\"\")","v":""}]
[false,"Out","16-18 yrs",497,"Ability","Understanding money management","CYP know how to keep track of their money, and set and stick to a budget","Young people understand the principles of budgeting and can develop a budget suited to their needs","How do you keep track of the money you get and the money you spend?\nMULTI\n\nOnline budgeting tool\nOnline bank account\nSpreadsheet\nPiece of paper\nIn my head (mentally)\nChecking my bank balance at a cash machine\nReviewing my bank statements\nOn a mobile app\nI don't keep track\nDon't know","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D497))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D497))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D497))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F497))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G497))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H497))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I497))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I497))),\"\")","v":""}]
[false,"Out","16-18 yrs",498,"Ability","Understanding money management","CYP know how to keep track of their money, and set and stick to a budget","Young people understand the principles of budgeting and can develop a budget suited to their needs","Some people set a plan for how they will spend their money and others do not. Which of these comes closest to how you feel about money planning?\n\n1. It's best to record the money you have and everything you spend to make sure you don't run out of money\n2. It is a good idea to keep an eye on your spending but it's not worth worrying about a pound here and there\n3. It's too much effort to keep track of spending; if you run out of money you'll just have to wait until you get more",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D498))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D498))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D498))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F498))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G498))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H498))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I498))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I498))),\"\")","v":""}]
[false,"Out","16-18 yrs",499,"Ability","Understanding money management","CYP know how to keep track of their money, and set and stick to a budget","Young people know how to use tools to help them budget (11-14, 14-16, 16-18)","Which of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)\n\nASK ALL WITH MONEY (CODES 2-6 at first question): \nDo you know how much money you have in total? (IF HAVE BANK ACCOUNT INSERT [“including in your bank”])\nSC\n1. No \n2. Yes, roughly\n3. Yes exactly\n\n\nHow do you keep track of the money you get and the money you spend?\nMULTI\n\nOnline budgeting tool\nOnline bank account\nSpreadsheet\nPiece of paper\nIn my head (mentally)\nChecking my bank balance at a cash machine\nReviewing my bank statements\nOn a mobile app\nI don't keep track\nDon't know","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D499))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D499))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D499))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F499))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G499))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H499))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I499))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I499))),\"\")","v":""}]
[false,"Out","16-18 yrs",500,"Ability","Understanding money management","CYP know how to keep track of their money, and set and stick to a budget","Young people understand the costs of living independently","Which of the following things do most adults pay for, and which do most adults get for free?\n\nRent or mortgage\nElectricity or gas at home\nWater at home\nVisits to a GP or hospital\nCouncil tax\nInternet at home\nBorrowing a library book\n\nPay for\nGet for free\nDon't know","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D500))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D500))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D500))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F500))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G500))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H500))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I500))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I500))),\"\")","v":""}]
[false,"Out","16-18 yrs",501,"Ability","Understanding money management","CYP know how to keep track of their money, and set and stick to a budget","Young people know how to check a bank balance and read a bank statement (7-11, 11-14, 14-16)","BSQ: Looking at this example of a bank statement, how much money was in the account at the end of February? \nPlease type in your answer to nearest pound__________________","Y","Y-BSQ",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D501))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D501))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D501))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F501))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G501))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H501))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I501))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I501))),\"\")","v":""}]
[false,"Out","16-18 yrs",502,"Ability","Understanding money management","CYP know how to keep track of their money, and set and stick to a budget","Young people know how to read a payslip and understand the tax and NI contributions","PSQ: Please look at this payslip and then answer the questions below. \nHow much has Sally paid towards her retirement so far this year?\n(SC)\n\n£100\n£320\n£2465.20\n£1000\n£200\nDon't know\n\nHow much was Sally paid this month before any tax or deductions were taken?\n(SC)\n\n£1950.88\n£2700\n£2000\n£27000\n£246.52\nDon't know","Y","Y-PSQ",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D502))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D502))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D502))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F502))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G502))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H502))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I502))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I502))),\"\")","v":""}]
[false,"Out","16-18 yrs",503,"Ability","Understanding money management","CYP know how to keep track of their money, and set and stick to a budget","Young people know they need to keep information about their current and savings accounts safe (7-11, 11-14, 14-16)","If have a bank account:\n\n{If yes} Does your bank account come with a card you can use to get cash from a cash point?\nYes \nNo\nDon't know\n\n{If yes} Who looks after your bank card?\n1. You\n2. Someone else (e.g. your parents or other)\n\n{if you} Which of the following should you do to keep your bank card PIN number safe? Please select all the answers you think are correct\n1. Write down your PIN and keep it in your wallet in case you forget it\n2. Tell your best friend your PIN in case you forget it\n3. Keep your PIN secret from everyone\n4. Hide the keypad when you are entering your PIN number at a cash point or shop\n5. Change your PIN if you think someone may have seen it",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D503))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D503))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D503))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F503))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G503))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H503))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I503))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I503))),\"\")","v":""}]
[false,"Out","16-18 yrs",504,"Ability","Understanding money management","CYP know how to save up for things they want and why it is good to save","Young people know how to make deposits into a bank account (11-14, 14-16)","Which of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)\n\nASK ALL WITH MONEY (CODES 2-6 at first question):  \nWhen you get money,  how often do you save at least some of it, [say by putting it in a cash box or into your bank account]?\nSELECT ONE ONLY\n1. Every time I get money\n2. Most times I get money\n3. Sometimes\n4. Never\n5. Don’t know ","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D504))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D504))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D504))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F504))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G504))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H504))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I504))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I504))),\"\")","v":""}]
[false,"Out","16-18 yrs",505,"Ability","Understanding money management","CYP know how to save up for things they want and why it is good to save","Young people understand why saving money for something you want to buy is important (7-11, 11-14, 14-16)","Why is it good to save up for something you want to buy?\n1. Saving up for things yourself will help you learn money management for when you are older (2 points)\n2.  Other people may not have money to spare/ they may get irritated if you ask them for money (1 point)\n3. Saving up for something will mean you are less likely to make 'impulse buys'/ makes you more likely to buy thing you really want or need (1 point)\n4. You can spend the money you have saved on something else if youwant to\n4. To stop you getting into debt  (2 point)",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D505))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D505))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D505))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F505))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G505))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H505))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I505))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I505))),\"\")","v":""}]
[false,"Out","16-18 yrs",506,"Ability","Understanding money management","CYP know how to save up for things they want and why it is good to save","Young people understand why saving money for something you want to buy is important (7-11, 11-14, 14-16)","Tristan  goes to a shop with his parents. He sees a cap he would really like to buy. The cap costs £15.  Tristan only has £10 right now, but next week he will get his pocket money.  Should Tristan:\n1. Ask his parents for more money so he can buy the cap now: or\n2. Buy the cap next week when he gets his pocket money\n\nWhat would you do in Tristan's situation?\n1. Ask your parents for the money so you can buy the cap straight away\n2. Buy the cap in a weeks time when you have more money\n",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D506))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D506))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D506))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F506))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G506))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H506))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I506))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I506))),\"\")","v":""}]
[false,"Out","16-18 yrs",507,"Ability","Understanding money management","CYP know how to save up for things they want and why it is good to save","Young people understand the value of saving for the future (14-16)","How important do you think it is for you to save-up your money for the future in general?\n\n1. Very important\n2. Fairly important\n3. Neither important not unimportant\n4. Fairly unimportant\n5. Very unimportant",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D507))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D507))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D507))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F507))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G507))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H507))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I507))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I507))),\"\")","v":""}]
[false,"Out","16-18 yrs",508,"Ability","Understanding money management","CYP are aware of scams and fraud and know how to protect themselves from it","Young people understand the main types of financial fraud and how to protect themselves from it","Please say true or false to each statement (True/False/ Don’t know)\n1. It is important to keep your bank details, PIN and passwords secret.\n2. Your bank may email you sometimes to ask for your PIN. \n3. Criminals often pretend to be banks or other organisations to scam people\n4. Official people, like banks and police officers,  never ask for bank details (like your PIN) by phone or email\n5. Criminals can copy bank cards by using machines that look like ATMs or card payment machines\n6. It is always safe to use a cash machine, even if it looks damaged or unusual\n\n\nTo what extent do you agree or disagree with each of these statements? \n\n- I never open attachments from unknown email senders \n- I always lock my phone/ tablet/ laptop when I am not using it\n- I pick passwords  that will be difficult to break (long ones with both numbers and letters)\n– I never tell other people what my passwords are\n- I have anti-virus software  on my computer\n- I am careful about what information I publish about myself online and on social media\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D508))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D508))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D508))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F508))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G508))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H508))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I508))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I508))),\"\")","v":""}]
[false,"Out","16-18 yrs",509,"Ability","Understanding money management","CYP can apply their numeracy skills to financial issues","Young people can calculate what interest they would be paid or would owe if their saved or borrowed money (7-11, 11-14, 14-16)","Suppose you put £100 into a savings account with a guaranteed interest rate of 2% per year. You don’t make any further payments into this account and you don’t withdraw any money.\nHow much would be in the account at the end of the first year, once the interest payment is made?   \nENTER AMOUNT\n Don’t know\n","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D509))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D509))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D509))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F509))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G509))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H509))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I509))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I509))),\"\")","v":""}]
[false,"Out","16-18 yrs",510,"Ability","Understanding money management","CYP can apply their numeracy skills to financial issues","Young people can understand the impact of inflation and depreciation on their money (14-16)","If the inflation rate is 5% and the interest rate you get on your savings is 3%, will your savings have more, less or the same amount of buying power in a year’s time?\n(SC)\n\n1. More\n2. The same\n3. Less\n4. Don’t know","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D510))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D510))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D510))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F510))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G510))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H510))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I510))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I510))),\"\")","v":""}]
[false,"Out","16-18 yrs",511,"Ability","Understanding money management","CYP can apply their numeracy skills to financial issues","Young people can work out how long they will need to save for to be able to buy something if they are saving a set amount a week (7-11, 11-14, 14-16)","Greg gets £6.00 a week pocket money. How long would it take Greg to save up his pocket money to buy something that costs £26?",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D511))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D511))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D511))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F511))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G511))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H511))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I511))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I511))),\"\")","v":""}]
[false,"Out","16-18 yrs",512,"Ability","Understanding money management","CYP know where to get good advice and information on money management","Young people know where to go for advice, guidance and tools about their financial situation, in person, by phone and using digital resources","If you needed advice about money, who would you ask?\n\nMULTI\n\nI do not ask for advice about money (SC)\nMy parents or carers\nMy friends\nMy teachers\nOther family members\nOther adults\nOnline (for example - Youtube, Money Saving Expert)\nA bank, building society or other financial organisation\nTV programmes\nDon't know (SC)","Y","N","Which, if any, of these providers of advice on your money you have ever heard of, even if you’re not very familiar with them?\n\nSELECT ALL THAT APPLY\n\n1. Money Advice Service\n2.Citizen’s Advice Bureau\n3.Money Sense\n4.Which?\n5.Money Saving Expert (Martin Lewis)\n6.Other price comparison sites (e.g. Moneysupermarket, Comparethemarket)\n7.Directgov (gov.co.uk)\n8.Alvin Hall\n9. Consumer Credit Counselling Service (CCCS)/StepChange\n10. National Debtline\n[ADD OTHER RELEVANT ORGANISATIONS/SITES]\n11. None of these",null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D512))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D512))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D512))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F512))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G512))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H512))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I512))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I512))),\"\")","v":""}]
[false,"Out","16-18 yrs",513,"Ability","Understanding money management","CYP know where to get good advice and information on money management","Young people know where to go for advice, guidance and tools about their financial situation, in person, by phone and using digital resources","And who would be the most useful?\n\nSINGLE\n\nMy parents or carers\nMy friends\nMy teachers\nOther family members\nOther adults\nOnline (for example - Youtube, Money Saving Expert)\nA bank, building society or other financial organisation\nTV programmes\nDon't know\nNone of them would give useful advice","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D513))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D513))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D513))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F513))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G513))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H513))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I513))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I513))),\"\")","v":""}]
[false,"Out","16-18 yrs",514,"Ability","Understanding the role of money in society","CYP understand the different sources of money","Young people understand that being financially independent and having their own source of income is an important part of being an adult (7-11, 11-14, 14-16)","How important is it to you ... \n\n… to get a job when you finish education? \n… to not need  your parents' money when you are an adult (to be independant)? \n\n1. Very important\n2. Fairly important\n3. Neither important not unimportant\n4. Fairly unimportant\n5. Very unimportant",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D514))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D514))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D514))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F514))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G514))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H514))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I514))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I514))),\"\")","v":""}]
[false,"Out","16-18 yrs",515,"Ability","Understanding the role of money in society","CYP understand the different sources of money","Young people understand that the choices they make around education and work will affect the amount of money they have (7-11, 11-14, 14-16)","Young people who do well at school find it easier to get good jobs when they grow up\n\n1. Strongly agree\n2. Slightly agree\n3. Neither agree nor disagree\n4. Slightly disagree\n5. Strongly disagree\n6. Don’t know \n\n\nSpending money on education is an investment in my future\n\n1. Strongly agree\n2. Slightly agree\n3. Neither agree nor disagree\n4. Slightly disagree\n5. Strongly disagree\n6. Don’t know \n",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D515))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D515))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D515))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F515))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G515))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H515))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I515))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I515))),\"\")","v":""}]
[false,{"$f":"IF(A518=TRUE,\"In\",\"Out\")","v":"Out"},"16-18 yrs",516,"Ability","Understanding the role of money in society","CYP understand the different sources of money","Young people understand that different education & training options (eg. going to university or doing an apprenticeship) have different financial implications in both the short and longer term (11-14, 14-16)","Young people who do well at school find it easier to get good jobs when they grow up\n\n1. Strongly agree\n2. Slightly agree\n3. Neither agree nor disagree\n4. Slightly disagree\n5. Strongly disagree\n6. Don’t know \n\n\nSpending money on education is an investment in my future\n\n1. Strongly agree\n2. Slightly agree\n3. Neither agree nor disagree\n4. Slightly disagree\n5. Strongly disagree\n6. Don’t know ",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D516))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D516))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D516))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F516))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G516))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H516))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I516))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I516))),\"\")","v":""}]
[false,"Out","16-18 yrs",517,"Ability","Understanding the role of money in society","CYP understand the different sources of money","Young people know where to find out information on whether they are entitled to benefits and how to claim them","Which of the following could someone go to if they wanted to find information on whether they are entitled to benefits?\nSelect all that apply:\nParents\nJob Centre\nLocal Council\nStaff at school/college\nInternet\nCitizens Advice Bureau/ local charity",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D517))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D517))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D517))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F517))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G517))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H517))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I517))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I517))),\"\")","v":""}]
[false,"Out","16-18 yrs",518,"Ability","Understanding the role of money in society","CYP understand the different sources of money","Young people know where to find out information on whether they are entitled to benefits and how to claim them","Do  you think people can claim benefits from the government when they are unemployed and looking for work?\n1. Yes\n2. No\n3. Don’t know\n\nDo you think people can claim benefits from the government when they are unwell and unable to work?\n1. Yes\n2. No\n3. Don’t know\n",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D518))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D518))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D518))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F518))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G518))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H518))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I518))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I518))),\"\")","v":""}]
[false,"Out","16-18 yrs",519,"Ability","Understanding the role of money in society","CYP understand that companies exist to make money","Young people understand the different ways that companies try to influence their spending, including through advertising, marketing, product placement and celebrity endorsements (5-7, 7-11, 11-14, 14-16)","Now a little quiz:\nCompanies use lots of different ways to get people to spend money on their goods and services. Can you match some of these ways to their names? \n\n1. Advertising\n2. Marketing\n3. Product placement\n4. Celebrity endorsements\n\n\n- Placing images and examples of a product where lots of people can see it (e.g. on TV, in magazines or on social media)\n- The process of transferring goods and services from the seller to the buyer\n- Promoting goods and services through films, television or social media (e.g. someone using a certain type of smart phone in a film)\n- Paying someone famous to put their name and face to goods and services and help to sell them\n\n(if online) Drag & drop\n(if on paper) Draw a line between description and name",null,"N","\n(if online) Drag & drop\n(if on paper) Draw a line between description and name",null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D519))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D519))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D519))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F519))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G519))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H519))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I519))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I519))),\"\")","v":""}]
[false,"Out","16-18 yrs",520,"Ability","Understanding the role of money in society","CYP understand how taxes are collected and what they are used for","Young people understand that National Insurance and Income Tax is deducted from the money people earn to pay for public services (11-14, 14-16)","Tax is money that the Government takes from the money that people earn. What is tax for?\n\nTo pay for things like hospitals and roads\nTo make sure people don't earn too much\nTo pay for lottery prizes\nTo pay for police and schools\nTo pay for supermarkets",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D520))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D520))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D520))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F520))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G520))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H520))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I520))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I520))),\"\")","v":""}]
[false,"Out","16-18 yrs",521,"Ability","Understanding the role of money in society","CYP understand how taxes are collected and what they are used for","Young people understand that National Insurance and Income Tax is deducted from the money people earn to pay for public services (11-14, 14-16)","The amount of money people take home from their job is less than they actually earn. Which of the following best describes why this is?\n\n1.  National insurance and income tax*\n2.  Income tax, property tax and private medical insurance contributions\n3.  National insurance, share options in a business, VAT (value added tax )\n4. National insurance, income tax and student loan repayments *",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D521))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D521))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D521))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F521))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G521))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H521))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I521))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I521))),\"\")","v":""}]
[false,"Out","16-18 yrs",522,"Ability","Understanding the role of money in society","CYP understand how taxes are collected and what they are used for","Young people understand that people have a tax free allowance and don't pay Income Tax on a portion of what they earn (11-14, 14-16)","Do adults always have to pay tax on the income they earn?\n1. Yes\n2. No\n3. Don’t know\n\n\nThe first part of the money your earn is tax free. \n1. True \n2. False \n\nIf the income you make from all sources is under £11, 000 do you have to pay Income Tax on it?\n1. Yes\n2. No\n3. Don’t know",null,"N","Will need updating in 2017",null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D522))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D522))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D522))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F522))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G522))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H522))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I522))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I522))),\"\")","v":""}]
[null,"Out","16-18 yrs",523,"Ability","Understanding values and emotions around money","CYP understand their own values and feelings around money",null,null,null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D523))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D523))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D523))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F523))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G523))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H523))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I523))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I523))),\"\")","v":""}]
[false,"Out","16-18 yrs",524,"Ability","Basic skills","CYP have good literacy skills","Young people perform at age appropriate levels in standardised literacy tests","Which of the following qualifications do you have?\nMULTI\n\nHND\nHNC\nA-level grade A-E\nAS-level grade A-E\nScottish Highers grade A-C\nGCSE\nSomething else\nI have no qualifications yet\nDon't know\n\nDo you have…?\n\nGCSE English grade A*-C\n\nYes\nNo",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D524))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D524))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D524))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F524))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G524))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H524))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I524))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I524))),\"\")","v":""}]
[false,"Out","16-18 yrs",525,"Ability","Basic skills","CYP have good numeracy skills","Young people perform at age appropriate levels in standardised numeracy tests","Which of the following qualifications do you have?\nMULTI\n\nHND\nHNC\nA-level grade A-E\nAS-level grade A-E\nScottish Highers grade A-C\nGCSE\nSomething else\nI have no qualifications yet\nDon't know\n\nDo you have…?\n\nGCSE Maths grade A*-C\n\nYes\nNo",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D525))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D525))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D525))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F525))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G525))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H525))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I525))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I525))),\"\")","v":""}]
[false,"Out","16-18 yrs",526,"Ability","Basic skills","CYP have good problem solving skills","Young people can identify and understand a problem","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D526))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D526))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D526))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F526))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G526))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H526))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I526))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I526))),\"\")","v":""}]
[false,"Out","16-18 yrs",527,"Ability","Basic skills","CYP have good problem solving skills","Young people can plan ways to solve a problem","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D527))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D527))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D527))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F527))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G527))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H527))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I527))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I527))),\"\")","v":""}]
[false,"Out","16-18 yrs",528,"Ability","Basic skills","CYP have good problem solving skills","Young people can monitor progress in tackling a problem","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D528))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D528))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D528))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F528))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G528))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H528))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I528))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I528))),\"\")","v":""}]
[false,"Out","16-18 yrs",529,"Ability","Basic skills","CYP have good problem solving skills","Young people can review solutions to problems and modify them if necessary","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D529))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D529))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D529))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F529))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G529))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H529))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I529))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I529))),\"\")","v":""}]
[false,"Out","16-18 yrs",530,"Ability","Basic skills","Digital literacy","Young people are able to use financial/money-related online services eg. forms, tools, emails, and online banking","Do you access to the internet at home or elsewhere?\nYes\nNo\nDon't know\n\nIF DO HAVE ACCESS\nI’d like you to think about different commercial transactions people do in their everyday lives like banking or shopping. How easy do you find it to use the internet for the following purposes? \na) Buying a product online\nb) Making travel reservations/bookings\nc) Paying bills\nd) Using your bank’s online services\ne) Comparing products and services\nf) Ordering groceries or food online\ng) Selling things online\nh) Finding the location of a house,  office, store or restaurant \n\n1. Several times a day\n2. Daily\n3. Weekly\n4. Monthly\n5. Less than monthly\n6. Never\n7. Don't know",null,"N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D530))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D530))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D530))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F530))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G530))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H530))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I530))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I530))),\"\")","v":""}]
[false,"Out","16-18 yrs",531,"Ability","Other","Wellbeing",null,"To what extent do you agree with the following\n\nThinking about money makes me anxious\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know","Y","N",null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D531))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D531))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D531))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F531))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G531))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H531))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I531))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I531))),\"\")","v":""}]
[false,"Out","Parents",532,"Overarching attitudes and knowledge","Parents believe in the importance of developing their children's financial capability","Parents recognise that money management is an important life skill",null,"Money management skills are…\n1. Very important\n2.  Fairly important\n3.  Neither important nor unimportant\n4.  Fairly unimportant\n5.  Very unimportant\n[6. Don't Know]\n",null,null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D532))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D532))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D532))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F532))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G532))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H532))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I532))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I532))),\"\")","v":""}]
[false,"Out","Parents",533,"Overarching attitudes and knowledge","Parents believe in the importance of developing their children's financial capability","Parents are aware that they play a vital role in developing their children's financial capability, and that what they do now in relation to money will influence their child's future behaviour","Increased awareness of their role in family's fincap; Increased awareness of childhood as key to adult financial capability (PP)","To what extent do you agree or disagree with the following statements?\nChildren grow up to be like their parents/carers are with their money\n\n(Disagree Strongly / Disagree slightly / Neither agree nor disagree / Agree slightly / Agree strongly)\n\n\nAt what age group do you think parents and carers should start doing the following with their children to help them become good with money when they grow up?\n\nTalk about how money is used in the family, e.g. paying for heating\n\nExplain the difference between price and the value of things\n\nTeach the importance of saving\n\nGive them their own spending money / allowance\n\nInvolve them in basic family spending discussions e.g. the cost of days out\n\nInvolve them in basic family spending decisions e.g. food shopping\n\nLet them manage their own day-to-day money without supervision\n\nGive them responsibility for saving up for something they want\n\nEncourage them to think about what to do with their money\n\n(Under 5 / 5-7 / 8-11 / 12-15 / 16-18 / Parents/carers shouldn't do this / Don't know)","Y (Q1, Q2 amended version)",null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D533))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D533))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D533))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F533))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G533))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H533))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I533))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I533))),\"\")","v":""}]
[false,"Out","Parents",535,"Overarching attitudes and knowledge","Parents believe in the importance of developing their children's financial capability","Parents are aware that they play a vital role in developing their children's financial capability, and that what they do now in relation to money will influence their child's future behaviour","Increased awareness of their role in family's fincap; Increased awareness of childhood as key to adult financial capability (PP)","To what extent do you agree or disagree with the following statement. How you manage your money now will influence how your child manages their money in the future?\n1. Strongly agree\n2. Agree\n3. Neither agree nor disagree\n4. Disagree\n5. Strongly disagree\n[6. Don't Know]",null,null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D534))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D534))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D534))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F534))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G534))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H534))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I534))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I534))),\"\")","v":""}]
[false,"Out","Parents",536,"Overarching attitudes and knowledge","Parents believe in the importance of developing their children's financial capability","Parents think it is important that they help their children develop money management skills, including budgeting and saving and avoiding problem debt",null,"How important is it to help your children  learn how to manage their money?\n1. Very important\n2. Fairly important\n3. Neither important nor unimportant\n4. Fairly unimportant\n5. Very unimportant\n[6. Don't know]\n","Y",null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D535))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D535))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D535))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F535))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G535))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H535))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I535))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I535))),\"\")","v":""}]
[false,"Out","Parents",537,"Overarching attitudes and knowledge","Parents believe in the importance of developing their children's financial capability","Parents think it is important to support the learning their children receive about money outside of the home, e.g. in school",null,"How important is it for parents to  support their children  learn about money through their school work?\n1. Very important\n2. Fairly important\n3. Neither important nor unimportant\n4. Fairly unimportant\n5. Very unimportant\n[6. Don't know]",null,null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D536))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D536))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D536))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F536))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G536))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H536))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I536))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I536))),\"\")","v":""}]
[false,"Out","Parents",538,"Overarching attitudes and knowledge","Parents have the knowledge and confidence to effectively support the development of their children's financial capability","Parents have absorbed the key messages provided in the intervention",null,"What can parents do to help children develop good money management skills?\n\nOPEN QUESTION:\n\nNOTE ON ADMINISTRATION: A codeable list of acceptable responses should be developed based on the intervention content/ primary aims of the course. This could included points allocated for each of the following (the following list is not exhaustive]:\n- Parents give children their own money\n-Parents give a set amount of moeny to children and stick to it\n- Parents act as role models in how they manage their own money\n-Parents talk to children  about saving, budgeting and the role of money in society\n- Parent praise children for managing money well\n-Parents positively comment on others who are good with money etc\n\nA score system should then be set and applied e.g:\n0- No answer provided/ No course content mentioned\n1- Parent identified 1 thinkg they could do\n2- Parents mentioned 2-3 things they could do\n3- Parents mentioned 4 or more thinngs they could do",null,null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D537))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D537))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D537))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F537))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G537))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H537))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I537))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I537))),\"\")","v":""}]
[false,"Out","Parents",539,"Overarching attitudes and knowledge","Parents have the knowledge and confidence to effectively support the development of their children's financial capability","Parents know that it is best to start teaching children about money management from a young age (3+)",null," At what age group do you think parents and carers should start doing the following with their children to help them become good with money when they grow up?\nPlease tick one for each row\n\nTalk about how money is used in the family, e.g. paying for heating\n\nExplain the difference between price and the value of things\n\nTeach the importance of saving\n\nGive them their own spending money / allowance\n\nInvolve them in basic family spending discussions e.g. the cost of days out\n\nInvolve them in basic family spending decisions e.g. food shopping\n\nLet them manage their own day-to-day money without supervision\n\nGive them responsibility for saving up for something they want\n\nEncourage them to think about what to do with their money\n\n(Under 5 / 5-7 / 8-11 / 12-15 / 16-18 / Parents / carers shouldn’t do this / Don't know","Y (amended version)",null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D538))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D538))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D538))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F538))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G538))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H538))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I538))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I538))),\"\")","v":""}]
[false,"Out","Parents",540,"Overarching attitudes and knowledge","Parents have the knowledge and confidence to effectively support the development of their children's financial capability","Parents know that it is best to start teaching children about money management from a young age (3+)",null,"At what age is it best to start to teach children about money management?\n1. From age 3\n2. From age 5\n3. From age 7\n4. From age 9\n5. From age 11\n6. From age 13\n7. From age 15\n[8. Don't know]",null,null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D539))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D539))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D539))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F539))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G539))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H539))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I539))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I539))),\"\")","v":""}]
[false,"Out","Parents",541,"Overarching attitudes and knowledge","Parents have the knowledge and confidence to effectively support the development of their children's financial capability","Parents know that children develop many financial habits and attitudes between the ages of 3 - 7",null,"At what age do children start to develop habits related to money and spending?\n1. From age 3\n2. From age 5\n3. From age 7\n4. From age 9\n5. From age 11\n6. From age 13\n7. From age 15\n[8. Don't know]","Y (amended version)",null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D540))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D540))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D540))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F540))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G540))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H540))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I540))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I540))),\"\")","v":""}]
[false,"Out","Parents",542,"Overarching attitudes and knowledge","Parents have the knowledge and confidence to effectively support the development of their children's financial capability","Parents understand the best time to introduce specific financial concepts, products and issues to their children",null,"At what age do you think  children can start  saving their own money?\n\n\nAt what age do you think  children can start learning about how set a budget ?\n\nAt what age do you think it is important for children to start learning about debt and borrowing?\n\n\nAt what age do you think it is important to start talking to children about how to spend money wisely?\n\nANSWER OPTIONS FOR ALL\n1. From age 3\n2. From age 5\n3. From age 7\n4. From age 9\n5. From age 11\n6. From age 13\n7. From age 15\n8. Don’t know\n\n\n",null,null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D541))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D541))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D541))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F541))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G541))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H541))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I541))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I541))),\"\")","v":""}]
[false,"Out","Parents",543,"Overarching attitudes and knowledge","Parents have the knowledge and confidence to effectively support the development of their children's financial capability",0,null,"At what age group do you think parents and carers should start doing the following with their children to help them become good with money when they grow up?\nPlease tick one for each row\n\nTalk about how money is used in the family, e.g. paying for heating\n\nExplain the difference between price and the value of things\n\nTeach the importance of saving\n\nGive them their own spending money / allowance\n\nInvolve them in basic family spending discussions e.g. the cost of days out\n\nInvolve them in basic family spending decisions e.g. food shopping\n\nLet them manage their own day-to-day money without supervision\n\nGive them responsibility for saving up for something they want\n\nEncourage them to think about what to do with their money\n\n(Under 5 / 5-7 / 8-11 / 12-15 / 16-18 / Parents / carers shouldn’t do this / Don't know","Y (amended version)",null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D542))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D542))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D542))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F542))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G542))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H542))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I542))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I542))),\"\")","v":""}]
[false,"Out","Parents",544,"Overarching attitudes and knowledge","Parents have the knowledge and confidence to effectively support the development of their children's financial capability","Parents understand the best time to introduce specific financial concepts, products and issues to their children (Continued)",null," At what age do you feel it is appropriate to share the following kinds of financial information with your child or to involve the child in the activity? \nAnswer options: \n1. From age 3\n2. From age 5\n3. From age 7\n4. From age 9\n5. From age 11\n6. From age 13\n7. From age 15\n8. From age 17\n9. From age 18\n10. From age 21\n11. From age 25\n12. Older than this\n13. Never\n14. Don’t know\nReceive an allowance\nHave a current account\nOpen a savings account\nResponsible for clothing budget\nKnow family monthly living costs\nTold family income\nHelp keep records of family income\nDiscuss major financial decisions\nFully responsible for current account\nEarn all own income\nResponsible for own credit card\n",null,null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D543))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D543))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D543))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F543))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G543))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H543))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I543))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I543))),\"\")","v":""}]
[false,"Out","Parents",545,"Overarching attitudes and knowledge","Parents have the knowledge and confidence to effectively support the development of their children's financial capability","Parents feel confident in helping their children to learn about money and develop money management skills",null,"Here are some statements other parents and carers have said about teaching children about managing money. To what extent do you agree or disagree with these statements?\nPlease tick one for each row\n\nI don’t know how to talk to my child / children about money\n\nI feel comfortable discussing money and spending with my child / children\n\nChildren should be protected from understanding how money works\n\nMy parents never talked to me about money\n\nI am hiding the reality of our family finances from my child / children\n\nI know what age I should start talking to my child / children about how money works\n\n(Disagree strongly / Disagree slightly / Neither agree nor disagree / Agree slightly / Agree strongly ","Y (some options)",null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D544))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D544))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D544))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F544))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G544))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H544))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I544))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I544))),\"\")","v":""}]
[false,"Out","Parents",546,"Overarching attitudes and knowledge","Parents have the knowledge and confidence to effectively support the development of their children's financial capability","Parents feel confident in helping their children to learn about money and develop money management skills",null,"How confident do you feel in supporting your child to learn how to manage their own money?\n1. Very confident\n2. Fairly confident\n3. Not very confident\n4. Not confident at all\n[5. Don't Know]",null,null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D545))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D545))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D545))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F545))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G545))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H545))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I545))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I545))),\"\")","v":""}]
[false,"Out","Parents",547,"Overarching attitudes and knowledge","Parents have the knowledge and confidence to effectively support the development of their children's financial capability","Parents feel confident talking to their children about money",null,"Here are some statements other parents and carers have said about teaching children about managing money. To what extent do you agree or disagree with these statements?\nPlease tick one for each row\n\nI don’t know how to talk to my child / children about money\n\nI feel comfortable discussing money and spending with my child / children\n\nChildren should be protected from understanding how money works\n\nMy parents never talked to me about money\n\nI am hiding the reality of our family finances from my child / children\n\nI know what age I should start talking to my child / children about how money works\n\n(Disagree strongly / Disagree slightly / Neither agree nor disagree / Agree slightly / Agree strongly ","Y (some options)",null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D546))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D546))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D546))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F546))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G546))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H546))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I546))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I546))),\"\")","v":""}]
[false,"Out","Parents",548,"Overarching attitudes and knowledge","Parents have the knowledge and confidence to effectively support the development of their children's financial capability","Parents feel confident talking to their children about money",null,"\n\nHow comfortable do you feel talking to your child about money?\n1. Very comfortable\n2.  Fairly comfortable\n3.  Neither comfortable nor uncomfortable\n4.  Fairly uncomfortable\n5.  Very uncomfortable\n[6. Don't Know]",null,null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D547))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D547))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D547))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F547))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G547))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H547))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I547))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I547))),\"\")","v":""}]
[false,"Out","Parents",549,"Role-modelling financially capable behaviour","Parents role-model and are positive about good money management","Parents believe it is important to act as a good role model for their children around money management",null,"\n\nHow important do you think it is to act as a role model for your child, when it comes to managing money?\n1. Very important\n2. Fairly important\n3. Neither important nor unimportant\n4. Fairly unimportant\n5. Very unimportant\n[6. Don't Know]\n\n",null,null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D548))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D548))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D548))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F548))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G548))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H548))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I548))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I548))),\"\")","v":""}]
[false,"Out","Parents",550,"Role-modelling financially capable behaviour","Parents role-model and are positive about good money management","Parents feel able to act as a good role model for the children around money management",null,"How able do you feel   to demonstrate good money management skills to your child?\n1. Very able\n2. Fairly able\n3. Neither able nor unable\n4. Fairly unable\n5. Very unable\n[6. Don't Know]\n",null,null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D549))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D549))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D549))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F549))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G549))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H549))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I549))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I549))),\"\")","v":""}]
[false,"Out","Parents",551,"Role-modelling financially capable behaviour","Parents role-model and are positive about good money management","Parents role model good money management behaviour","Parents set a budget and stick to it.  Parent talks to child about this.","\nDo you keep track of your personal income and expenditure?  \n1. Yes\n2. No\n3. Don’t know   \n\nIf Yes:\nYou said that you keep track of your personal expenditure.  Do you set a personal budget of how much you can spend? \n1. Yes\n2. No\n3. Don’t know\n_____\n\nHave you ever talked to your child about your budget? \n1. Yes\n2. No\n3. Does not apply ",null,null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D550))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D550))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D550))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F550))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G550))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H550))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I550))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I550))),\"\")","v":""}]
[false,"Out","Parents",552,"Role-modelling financially capable behaviour","Parents role-model and are positive about good money management","Parents role model good money management behaviour","Parents keep track of their spending  in front of CYP and explain what they are doing.","\nDo you keep track of your personal income and expenditure?  \n1. Yes\n2. No\n3. Don’t know   \n\nHow often do you check your bank balance or statements when your child is present?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n\nHave you explained to your child what you are doing when you check your bank balance or statements?\n1. Yes\n2. No\n3. Does not apply \n",null,null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D551))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D551))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D551))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F551))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G551))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H551))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I551))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I551))),\"\")","v":""}]
[false,"Out","Parents",553,"Role-modelling financially capable behaviour","Parents role-model and are positive about good money management","Parents role model good money management behaviour","Parents demonstrate saving in front of their children","\nWhich of these best describes how often you save money?\nPlease tick one only\n\nEvery months\nMost months\nSome months but not others\nRarely / never\nDon't know\nPrefer not to say\n\nHave you explained to your child about why you are putting money aside?\n1. Yes\n2. No\n3. Does not apply \n",null,null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D552))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D552))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D552))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F552))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G552))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H552))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I552))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I552))),\"\")","v":""}]
[false,"Out","Parents",554,"Role-modelling financially capable behaviour","Parents emphasise self-control around money","Parents set clear boundaries around spending for their children and stick to them","Increased number set and stick to money agreements and responsibilities with their child (PP)","Do you have any family agreements about money in place for this child?\n\nYes, lots\nYes, some\nNo\n\nIF YES, please tell us about the types of family agreements you have in place below:\n\nIF YES, how often are you and your family able to stick to these agreements?\nPlease tick one answer\n\nNever /Rarely / Sometimes / Often / All the time / Don't know\n\nIF NO, please share why, for the time being, you do not have any money agreements in place ",null,null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D553))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D553))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D553))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F553))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G553))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H553))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I553))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I553))),\"\")","v":""}]
[false,"Out","Parents",555,"Role-modelling financially capable behaviour","Parents emphasise self-control around money","Parents set clear boundaries around spending for their children and stick to them",null," How often does your child pester you to buy things because they have spent all their own money?\n1. Often\n2. Sometimes\n3 Rarely\n4. Never\n[5.  Don’t know]\n\nWhen your child asks for more money how often do you give this to them?\n1. Often\n2. Sometimes\n3 Rarely\n4. Never\n[5.  Don’t know]\n",null,null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D554))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D554))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D554))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F554))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G554))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H554))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I554))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I554))),\"\")","v":""}]
[false,"Out","Parents",556,"Role-modelling financially capable behaviour","Parents emphasise self-control around money","Parents are able to resist ‘pester power’ ",null,"\nHow confident are you that you can resist ‘pester power’ when your child wants you to buy them something?\n1. Very confident\n2. Fairly confident\n3. Not very confident\n4. Not confident at all\n[5. Don’t know]\n",null,null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D555))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D555))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D555))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F555))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G555))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H555))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I555))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I555))),\"\")","v":""}]
[false,"Out","Parents",557,"Role-modelling financially capable behaviour","Parents emphasise self-control around money","Parents don't feel pressure to spend money on things their children want but don’t need",null,"To what extent would you say the following statement applies to you personally?\n“I feel under pressure to spend money on my children even when I can’t afford it”\nPlease answer on a scale of 0 to 10, where 0 means it doesn’t sound like you at all and 10 means it sounds a lot like you. Please tick one answer.\n(0-10 scale)","Y",null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D556))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D556))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D556))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F556))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G556))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H556))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I556))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I556))),\"\")","v":""}]
[false,"Out","Parents",558,"Role-modelling financially capable behaviour","Parents emphasise self-control around money","Parents don't feel pressure to spend money on things their children want but don’t need",null,"\nHow much pressure,  if any, do you feel to spend money on your child for things they don’t need?\n1. A lot of pressure\n2. Some pressure\n3. No pressure\n[4. Don't Know]",null,null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D557))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D557))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D557))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F557))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G557))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H557))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I557))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I557))),\"\")","v":""}]
[false,"Out","Parents",559,"Role-modelling financially capable behaviour","Parents emphasise self-control around money","Parents praise children when they demonstrate self-control in relation to money.\n\n\n\n\n\n\n","Parents praise their children when they demonstrate good money management\n","How often do you praise your child for showing self-control when it comes to spending money?\n1. Often\n2. Sometimes\n3 Rarely\n4. Never\n[5.  Don’t know]\n\nHow often do you praise your child for making sensible choices about what to spend their money on?\n1. Often\n2. Sometimes\n3 Rarely\n4. Never\n[5.  Don’t know]",null,null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D558))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D558))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D558))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F558))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G558))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H558))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I558))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I558))),\"\")","v":""}]
[false,"Out","Parents",560,"Demonstrating, explaining and involving in household finances","Parents talk about, explain and involve children in everyday household money management","Parents talk openly about money to their children, and encourage their children to come to them with any questions and concerns about money","Increased discussions about how money is used; Increased money management discussions with children (PP)","Here are some statements other parents and carers have said about teaching children about managing money. To what extent do you agree or disagree with these statements?\nPlease tick one for each row\n\nI don’t know how to talk to my child / children about money\n\nI feel comfortable discussing money and spending with my child / children\n\nChildren should be protected from understanding how money works\n\nMy parents never talked to me about money\n\nI am hiding the reality of our family finances from my child / children\n\nI know what age I should start talking to my child / children about how money works\n\n(Disagree strongly / Disagree slightly / Neither agree nor disagree / Agree slightly / Agree strongly","Y (some options)",null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D559))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D559))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D559))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F559))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G559))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H559))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I559))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I559))),\"\")","v":""}]
[false,"Out","Parents",561,"Demonstrating, explaining and involving in household finances","Parents talk about, explain and involve children in everyday household money management","Parents talk openly about money to their children, and encourage their children to come to them with any questions and concerns about money",null,"How comfortable do you feel talking to your child about money?\n1. Very comfortable\n2.  Fairly comfortable\n3.  Neither comfortable nor uncomfortable\n4.  Fairly uncomfortable\n5.  Very uncomfortable\n[6. Don't Know]\n\n\n",null,null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D560))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D560))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D560))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F560))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G560))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H560))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I560))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I560))),\"\")","v":""}]
[false,"Out","Parents",562,"Demonstrating, explaining and involving in household finances","Parents talk about, explain and involve children in everyday household money management","Parents explain that money is limited and that they have to make trade-offs when spending it","Increased discussions about how money is used; Increased money management discussions with children (PP)","Have you ever explained to your child that  money is limited and that they therefore can’t have everything they want? \n1.  Yes\n2. No\n[3. Don't Know]\n\nHow often do you  explain to your child that money is limited and that they therefore can’t have everything they want?\n\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n[5. Don’t know]\n\nIf your child wanted you to buy them two items would you:\n1. Buy them both\n2. Make them pick one\n[3. Don't Know] \n\nHow often do you talk to your child about how to you decide what to buy and what not to buy?\n1. Often\n2. Sometimes\n3 Rarely\n4. Never\n[5.  Don’t know]",null,null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D561))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D561))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D561))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F561))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G561))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H561))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I561))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I561))),\"\")","v":""}]
[false,"Out","Parents",563,"Demonstrating, explaining and involving in household finances","Parents talk about, explain and involve children in everyday household money management","Parents explain the difference between wants and needs",null,"Have you ever explained to your child that  there is a different between things they 'want' and things they 'need'? \n1.  Yes\n2. No\n[3. Don't Know]",null,null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D562))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D562))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D562))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F562))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G562))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H562))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I562))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I562))),\"\")","v":""}]
[false,"Out","Parents",564,"Demonstrating, explaining and involving in household finances","Parents talk about, explain and involve children in everyday household money management","Parents explain the difference between wants and needs",null,"Is this child able to do any of the following?\nPlease tick one for each row\n\nSave up for a short period of time to buy something they want\n\nUnderstand why you are saying “no” to buying something\n\nManage their own day-to-day money or allowance\n\nExplain the choices they make when they spend their money\n\nFocus on an activity they have been asked to / decided to do\n\nFinish a task they have been asked to / decided to do\n\nAble to recognise the difference between something they want (e.g. sweets), and something they need (e.g. food)\n\n(No / Yes, sometimes / Yes, definitely / Don't know / N/A (my child doesn't have their own money))","Y (some options)",null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D563))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D563))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D563))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F563))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G563))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H563))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I563))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I563))),\"\")","v":""}]
[false,"Out","Parents",565,"Demonstrating, explaining and involving in household finances","Parents talk about, explain and involve children in everyday household money management","Parents talk to their children about the costs of what they want to buy","Increased discussions about how money is used; Increased money management discussions with children (PP)","How often do you talk to your child about the cost of things you or they want to buy?\n1. Often\n2. Sometimes\n3 Rarely\n4. Never\n[5.  Don’t know]\n",null,null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D564))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D564))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D564))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F564))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G564))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H564))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I564))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I564))),\"\")","v":""}]
[false,"Out","Parents",566,"Demonstrating, explaining and involving in household finances","Parents talk about, explain and involve children in everyday household money management","Parents talk to their children about how to spend their money wisely and explain simple money-saving strategies (eg. shopping around/ only buy what you need)","Increased discussions about how money is used; Increased money management discussions with children; Increased number involve children in family conversations around money (PP)","Have you ever explained to your child about the things you might do to save money, such as shopping around or only buying what you need?\n1. Yes\n2. No\n",null,null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D565))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D565))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D565))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F565))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G565))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H565))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I565))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I565))),\"\")","v":""}]
[false,"Out","Parents",567,"Demonstrating, explaining and involving in household finances","Parents talk about, explain and involve children in everyday household money management","Parents involve their children in household spending decisions (e.g. deciding what to buy in weekly shop, or making decisions about a larger purchase such as a holiday)","Increased number involve children in basic family spending decisions (PP)","How often do you involve your child in household spending decisions, for example what you buy in a weekly shop?\n1. Often\n2. Sometimes\n3 Rarely\n4. Never\n[5.  Don’t know]",null,null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D566))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D566))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D566))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F566))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G566))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H566))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I566))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I566))),\"\")","v":""}]
[false,"Out","Parents",568,"Demonstrating, explaining and involving in household finances","Parents talk about, explain and involve children in everyday household money management","Parents involve their children in household spending decisions (e.g. deciding what to buy in weekly shop, or making decisions about a larger purchase such as a holiday)",null,"At what age group do you think parents and carers should start doing the following with their children to help them become good with money when they grow up?\nPlease tick one for each row\n\nTalk about how money is used in the family, e.g. paying for heating\n\nExplain the difference between price and the value of things\n\nTeach the importance of saving\n\nGive them their own spending money / allowance\n\nInvolve them in basic family spending discussions e.g. the cost of days out\n\nInvolve them in basic family spending decisions e.g. food shopping\n\nLet them manage their own day-to-day money without supervision\n\nGive them responsibility for saving up for something they want\n\nEncourage them to think about what to do with their money\n\n(Under 5 / 5-7 / 8-11 / 12-15 / 16-18 / Parents / carers shouldn’t do this / Don't know","Y (amended version)",null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D567))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D567))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D567))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F567))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G567))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H567))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I567))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I567))),\"\")","v":""}]
[false,"Out","Parents",569,"Demonstrating, explaining and involving in household finances","Parents talk about, explain and involve children in everyday household money management","Parents explain how to budget and save, and why they are important",null,"\nHow often do you encourage your child to save up for things they want to purchase?\n1. Often\n2. Sometimes\n3 Rarely\n4. Never\n5. My child does not have their own money\n\n",null,null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D568))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D568))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D568))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F568))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G568))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H568))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I568))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I568))),\"\")","v":""}]
[false,"Out","Parents",570,"Demonstrating, explaining and involving in household finances","Parents talk about, explain and involve children in everyday household money management","Parents understand that it is beneficial to involve children in household spending decisions",null,"How important do you think it is to involve your child in household spending decisions?\n1. Very important\n2. Fairly important\n3. Neither important nor unimportant\n4. Fairly unimportant\n5. Very unimportant\n[6.  Don’t know]\n",null,null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D569))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D569))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D569))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F569))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G569))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H569))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I569))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I569))),\"\")","v":""}]
[false,"Out","Parents",571,"Demonstrating, explaining and involving in household finances","Parents talk about, explain and involve children in everyday household money management","Parents talk to children about the cost of living (eg. electricity, water, mobile phone, transport etc)",null,"\nHave you explained to your child that utilities, for example mobile phones, water and electricity, cost money?\n1. Yes\n2. No\n[3.  Don’t know]",null,null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D570))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D570))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D570))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F570))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G570))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H570))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I570))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I570))),\"\")","v":""}]
[false,"Out","Parents",572,"Demonstrating, explaining and involving in household finances","Parents talk about, explain and involve children in everyday household money management","Parents talk to young people about how to manage household finances and set-up bills (16+)",null,"(16+) Now think about a child you have who is 16 or older. How often do you talk to your child about how to manage household finances?\n1. Often\n2. Sometimes\n3 Rarely\n4. Never\n[5.  Don’t know]\n\n (16+) Have you talked to your child about how to set-up bills  such a phone and electricity bills?\n1. Yes\n2. No\n[3.  Don’t know]",null,null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D571))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D571))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D571))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F571))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G571))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H571))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I571))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I571))),\"\")","v":""}]
[false,"Out","Parents",573,"Demonstrating, explaining and involving in household finances","Parents talk about, explain and involve children in everyday household money management","Parents talk to young people about how and why people get into debt and the negative consequences that can result (11+)",null,"Have you ever spoken to your child about why people get into debt and the problems this can cause?\n1. Yes\n2. No\n[3.  Don’t know]\n",null,null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D572))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D572))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D572))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F572))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G572))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H572))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I572))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I572))),\"\")","v":""}]
[false,"Out","Parents",574,"Demonstrating, explaining and involving in household finances","Parents talk about, explain and involve children in everyday household money management","Parents explain how to work out everyday financial questions involving maths to children, and support them to do so",null,"\nHow often does someone at home help your child solve money questions involving maths? \nFor example how to work out the correct change, how to work out interest, or any other question involving money.\n1. Never\n2. Occasionally or less than once a week\n3. 1 or 2 days per week\n4. 3 or 4 times a week\n5. 5 times a week or more\n6. Don’t know\n\n",null,null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D573))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D573))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D573))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F573))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G573))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H573))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I573))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I573))),\"\")","v":""}]
[false,"Out","Parents",575,"Demonstrating, explaining and involving in household finances","Parents use financial products and make transactions in front of their children, and explain them in a way they can understand","Parents use different methods of payment in front of their children (cash, card, online)",null,"How often do you do the following in front of your child?\n(GRID: Answer options:  Often, Sometimes, Rarely, Never , Don't Know)   \nPay for things using cash       \nPay for things using a debit or credit card      \nPay for things online                                         \nChecked the balance of a bank account                            \nUsed online banking to check a bank account                 \nChecked the balance on a credit card    \nUsed a cash machine to withdraw money                           \n\n{If yes }Do you ever explain to your child what you are doing when you are…\n(GRID Yes/No)\nPay for things using cash       \nPay for things using a debit or credit card      \nPay for things online                                         \nChecked the balance of a bank account                            \nUsed online banking to check a bank account                 \nChecked the balance on a credit card    \nUsed a cash machine to withdraw money         ",null,null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D574))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D574))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D574))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F574))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G574))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H574))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I574))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I574))),\"\")","v":""}]
[false,"Out","Parents",576,"Demonstrating, explaining and involving in household finances","Parents use financial products and make transactions in front of their children, and explain them in a way they can understand","Parents use different financial products in front of their children (eg. check current accounts, pay into savings accounts, use online banking etc)",null,"How often do you do the following in front of your child?\n(GRID: Answer options:  Often, Sometimes, Rarely, Never , Don't Know)   \nPay for things using cash       \nPay for things using a debit or credit card      \nPay for things online                                         \nChecked the balance of a bank account                            \nUsed online banking to check a bank account                 \nChecked the balance on a credit card    \nUsed a cash machine to withdraw money                           \n\n{If yes }Do you ever explain to your child what you are doing when you are…\n(GRID Yes/No)\nPay for things using cash       \nPay for things using a debit or credit card      \nPay for things online                                         \nChecked the balance of a bank account                            \nUsed online banking to check a bank account                 \nChecked the balance on a credit card    \nUsed a cash machine to withdraw money         ",null,null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D575))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D575))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D575))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F575))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G575))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H575))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I575))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I575))),\"\")","v":""}]
[false,"Out","Parents",577,"Demonstrating, explaining and involving in household finances","Parents use financial products and make transactions in front of their children, and explain them in a way they can understand","Parents talk to their children about what they are doing while using financial products and making transactions",null,"How often do you do the following in front of your child?\n(GRID: Answer options:  Often, Sometimes, Rarely, Never , Don't Know)   \nPay for things using cash       \nPay for things using a debit or credit card      \nPay for things online                                         \nChecked the balance of a bank account                            \nUsed online banking to check a bank account                 \nChecked the balance on a credit card    \nUsed a cash machine to withdraw money                           \n\n{If yes }Do you ever explain to your child what you are doing when you are…\n(GRID Yes/No)\nPay for things using cash       \nPay for things using a debit or credit card      \nPay for things online                                         \nChecked the balance of a bank account                            \nUsed online banking to check a bank account                 \nChecked the balance on a credit card    \nUsed a cash machine to withdraw money         ",null,null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D576))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D576))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D576))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F576))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G576))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H576))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I576))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I576))),\"\")","v":""}]
[false,"Out","Parents",578,"Demonstrating, explaining and involving in household finances","Parents use financial products and make transactions in front of their children, and explain them in a way they can understand","Parents talk to young people about how to select the best financial product for them",null,"[The next few questions are whether you have talked to your child about various topics] Have you talked to your child about the kind of things you have to consider when choosing a financial product, for example a bank account or savings account?\n1. Yes\n2. No\n[3.Don’t know]","Y",null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D577))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D577))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D577))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F577))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G577))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H577))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I577))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I577))),\"\")","v":""}]
[false,"Out","Parents",579,"Demonstrating, explaining and involving in household finances","Parents use financial products and make transactions in front of their children, and explain them in a way they can understand","Parents talk to children about borrowing money / sources of credits and the risks associated with this (16+)",null,"[The next few questions are whether you have talked to your child about various topics] How often do you talk to your child about the risks associated with borrowing money, and the impact of getting into debt?\n1. Often\n2.Sometimes\n3 Rarely\n4.Never\n[5.Don’t know]\n",null,null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D578))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D578))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D578))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F578))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G578))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H578))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I578))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I578))),\"\")","v":""}]
[false,"Out","Parents",580,"Demonstrating, explaining and involving in household finances","Parents talk to children about consumer society","Parents talk to children about marketing (eg. adverts are designed to make you want to buy things, promotions (e.g. 3 for 2) are designed to make people spend more etc)",null,"[The next few questions are whether you have talked to your child about various topics] \nHow often do you explain the purpose of adverts and the tactics companies use to sell more products to your child?\n\n1. Often\n2.Sometimes\n3 Rarely\n4.Never\n[5.Don’t know]",null,null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D579))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D579))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D579))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F579))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G579))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H579))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I579))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I579))),\"\")","v":""}]
[false,{"$f":"IF(A582=TRUE,\"In\",\"Out\")","v":"Out"},"Parents",581,"Demonstrating, explaining and involving in household finances","Parents talk to children about consumer society","Parents explain techniques for resisting consumer pressure to children",null,"[The next few questions are whether you have talked to your child about various topics]. Have  you ever talked to your child about how they shouldn’t buy things just to fit in with friends?\n1. Yes\n2. No\n[3.  Don’t know]\n",null,null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D580))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D580))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D580))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F580))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G580))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H580))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I580))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I580))),\"\")","v":""}]
[false,"Out","Parents",582,"Demonstrating, explaining and involving in household finances","Parents talk to children about the link between money and jobs, and encourage aspirations and financial independence","Parents talk to children about where their money comes from",null,"[The next few questions are whether you have talked to your child about various topics] How often have you talked to your child about where your household income comes from?\n1. Often\n2.Sometimes\n3 Rarely\n4.Never\n[5.Don’t know]\n",null,null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D581))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D581))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D581))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F581))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G581))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H581))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I581))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I581))),\"\")","v":""}]
[false,"Out","Parents",583,"Demonstrating, explaining and involving in household finances","Parents talk to children about the link between money and jobs, and encourage aspirations and financial independence","Parents talk to children about work and how different jobs have different salaries",null,"[The next few questions are whether you have talked to your child about various topics] How often have you talked to your child about how different jobs have different salaries?\n1. Often\n2.Sometimes\n3 Rarely\n4.Never\n[5.Don’t know]",null,null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D582))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D582))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D582))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F582))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G582))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H582))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I582))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I582))),\"\")","v":""}]
[false,"Out","Parents",584,"Demonstrating, explaining and involving in household finances","Parents talk to children about the link between money and jobs, and encourage aspirations and financial independence","Parents talk to their children about further education and future plans and the financial implications of/options for those plans (16+)",null,"How often do you talk to your child about what they could do after they finish their education?\n1. Often\n2.Sometimes\n3 Rarely\n4.Never\n[5.Don’t know]\n\n\n\n(16+) How confident would you feel providing your child with advice on how they can fund their studies after the leave the school?\n1. Very confident\n2. Fairly confident\n3. Not very confident\n4. Not confident at all\n[5.Don't Know]\n",null,null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D583))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D583))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D583))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F583))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G583))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H583))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I583))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I583))),\"\")","v":""}]
[false,"Out","Parents",585,"Demonstrating, explaining and involving in household finances","Parents talk to children about the link between money and jobs, and encourage aspirations and financial independence","Parents encourage their children's aspirations and their financial independence (16+)","Parents help their children think about their careers and help them plan how they can reach their career goals. ","How often do you talk to your child about what careers they could in the future?\n1. Often\n2.Sometimes\n3 Rarely\n4.Never\n[5.Don’t know]\n\nDoes your child know roughly what career they want to do in the future?\n1. Yes\n2. No\n3. Don't know\n\n{If yes} How often do you give your child advice on how they can get the career they want?\n1. Often\n2.Sometimes\n3 Rarely\n4.Never\n[5.Don’t know]","Y (first Q)",null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D584))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D584))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D584))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F584))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G584))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H584))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I584))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I584))),\"\")","v":""}]
[false,"Out","Parents",586,"Supporting learning about money through experience","Parents provide children with a set amount of money and support them to manage it themselves","Parents think it is important for children to have their own money from a young age (3+) and be given an appropriate amount of responsibility for it",null,"How important do you think it is for your child to manage their own money?\n1. Very important\n2. Fairly important\n3. Neither important nor unimportant\n4. Fairly unimportant\n5. Very unimportant\n[6.Don't know]\n"," ",null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D585))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D585))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D585))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F585))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G585))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H585))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I585))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I585))),\"\")","v":""}]
[false,"Out","Parents",587,"Supporting learning about money through experience","Parents provide children with a set amount of money and support them to manage it themselves","Parents think it is important for children to have their own money from a young age (3+) and be given an appropriate amount of responsibility for it",null,"In which of the following ways does this child get money of their own?\nPlease tick all that apply\n\nRegular pocket money\n\nIn return for good behaviour or helping out at home / chores\n\nNow and again on special days out or holidays\n\nBirthdays / Christmas / Other celebrations\n\nWhen they see Grandparents or other close family friends / relatives\n\nIrregularly or when we have some money to spare\n\nNone – My child doesn’t have any money of their own\n\nOther (please state) ________________________________________\n\nDon’t know","Y (amended version)",null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D586))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D586))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D586))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F586))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G586))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H586))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I586))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I586))),\"\")","v":""}]
[false,"Out","Parents",588,"Supporting learning about money through experience","Parents provide children with a set amount of money and support them to manage it themselves","Parents provide their children with a regular set amount of pocket money",null,"In which of the following ways does this child get money of their own?\nPlease tick all that apply\n\nRegular pocket money\n\nIn return for good behaviour or helping out at home / chores\n\nNow and again on special days out or holidays\n\nBirthdays / Christmas / Other celebrations\n\nWhen they see Grandparents or other close family friends / relatives\n\nIrregularly or when we have some money to spare\n\nNone – My child doesn’t have any money of their own\n\nOther (please state) ________________________________________\n\nDon’t know","Y (amended version)",null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D587))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D587))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D587))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F587))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G587))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H587))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I587))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I587))),\"\")","v":""}]
[null,"Out","Parents",589,"Supporting learning about money through experience","Parents provide children with a set amount of money and support them to manage it themselves",null,null,null,null,null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D588))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D588))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D588))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F588))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G588))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H588))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I588))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I588))),\"\")","v":""}]
[false,"Out","Parents",590,"Supporting learning about money through experience","Parents provide children with a set amount of money and support them to manage it themselves","Parents believe  children should  manage their own money, including making their own decisions about whether to spend or save it and allow their child to do this. ",null,"Who is mainly responsible for deciding how your child’s pocket money or allowance is spent?  \n1. I am\n2. Another family member or carer is\n3. My child is\n4. My child is not given any money\n[5. Don’t know]\n\nTo what extent do you agree or disagree with the following statements. \n\na) Children should be allowed to make their own mistakes with their pocket money\nb) It is best if parents manage their children’s money for them\n(c) Children should decide whether to save their own pocket money.\n(d) Children should decide whether to  spend their own pocket money.\n\n1. Strongly agree\n2. Agree\n3. Neither agree nor disagree\n4. Disagree\n5. Strongly disagree\n[6. Don’t know]\n\n\n\n","Y (first Q)",null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D589))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D589))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D589))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F589))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G589))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H589))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I589))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I589))),\"\")","v":""}]
[false,"Out","Parents",591,"Supporting learning about money through experience","Parents provide children with a set amount of money and support them to manage it themselves","Parents encourage and support their children to make a plan for what to spend their money on and/or budget and stick to it","Increased number allowing their child to make money choices (PP)","\nHow often do you encourage your child to plan what they are going to spend their money on?\n1. Often\n2.Sometimes\n3 Rarely\n4.Never\n[5.Don’t know]\n\n",null,null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D590))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D590))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D590))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F590))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G590))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H590))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I590))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I590))),\"\")","v":""}]
[false,"Out","Parents",592,"Supporting learning about money through experience","Parents provide children with a set amount of money and support them to manage it themselves","Parents encourage and support their children to save",null,"How often do you talk to your child about the importance of saving money up for things they want?\n1. Often\n2.Sometimes\n3 Rarely\n4.Never\n[5.Don’t know]\n\nHow often do you encourage your child to save up for things they want to purchase?\n1. Often\n2.Sometimes\n3 Rarely\n4.Never\n[5.Don’t know]",null,null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D591))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D591))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D591))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F591))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G591))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H591))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I591))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I591))),\"\")","v":""}]
[false,"Out","Parents",593,"Supporting learning about money through experience","Parents provide children with a set amount of money and support them to manage it themselves","Parents allow their children to make payments in different ways, including online",null,"In which of these ways has your child made a payment? (Tick all that apply)\n1. In person using cash\n2. In person using card\n3. Online\n4. None of these\n[5. Don’t know]\n",null,null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D592))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D592))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D592))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F592))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G592))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H592))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I592))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I592))),\"\")","v":""}]
[false,"Out","Parents",594,"Supporting learning about money through experience","Parents provide children with a set amount of money and support them to manage it themselves","Parents allow children to make mistakes with their money and help them learn from those experiences","Increased number allowing their child to make money choices (PP)","If your child lost some of their money would you replace it?\n1. Definitely would\n2. Probably would\n3. Definitely would not\n[4.Don't know]\n\nWhich of the following statements comes closest to your view? Please think about your child and other children of their age when answering. \n1. Parents should manage their children’s money for them \n2. Children should be allowed manage their own money \n[3. Don't Know]\n",null,null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D593))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D593))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D593))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F593))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G593))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H593))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I593))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I593))),\"\")","v":""}]
[false,"Out","Parents",595,"Supporting learning about money through experience","Parents provide children with a set amount of money and support them to manage it themselves","Parents give older children responsibility for paying for the things they need (eg. school lunches, clothes) out of their pocket money or an allowance (11+)","Increased number allowing their child to make money choices; Increased number set and stick to money rules and responsibilities with their child (PP)","Does your child have to use their own allowance when buying any of the following things they need? Tick all that apply,\n1. School dinners\n2. School uniform\n3. School equipment\n4. Mobile phone credit or bill\n5. Other bills\n6. None of the above\n7. [Don't know]","Y (amended version)",null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D594))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D594))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D594))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F594))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G594))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H594))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I594))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I594))),\"\")","v":""}]
[false,"Out","Parents",596,"Supporting learning about money through experience","Parents help their children to access financial products, and support them to take an active role in selecting the products","Parents support their children to open and use their own current account",null,"Does your child have a current account, held in their own name?\n1. Yes\n2. No\n[3.Don't know]",null,null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D595))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D595))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D595))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F595))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G595))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H595))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I595))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I595))),\"\")","v":""}]
[false,"Out","Parents",597,"Supporting learning about money through experience","Parents help their children to access financial products, and support them to take an active role in selecting the products","Parents support children to open and use their own savings account",null,"Does child have a savings account or junior ISA, held in their own name?\n1. Yes\n2. No\n[3.Don't know]",null,null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D596))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D596))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D596))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F596))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G596))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H596))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I596))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I596))),\"\")","v":""}]
[false,"Out","Parents",598,"Supporting learning about money through experience","Parents help their children to access financial products, and support them to take an active role in selecting the products","Parents support children to choose their own current or savings account (7+)",null,"\nHave you ever involved your child in decisions about which financial products to choose for them, such as a bank or savings account, or a Junior ISA? \n1. Yes\n2. No\n3. My child does not have an account\n(4. Don’t know)\n\n",null,null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D597))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D597))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D597))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F597))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G597))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H597))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I597))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I597))),\"\")","v":""}]
[false,"Out","Parents",599,"Supporting learning about money through experience","Parents help their children to access financial products, and support them to take an active role in selecting the products","Parents support children to choose their own mobile phone provider and package (11+)",null,"Did you let your child pick their own mobile phone provider?\n1. Yes\n2. No\n3. Does not apply- Child does not have a phone\n\nDid you let your child pick their own mobile phone package?\n1. Yes\n2. No\n3. Does not apply- Child does not have a phone\n",null,null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D598))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D598))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D598))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F598))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G598))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H598))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I598))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I598))),\"\")","v":""}]
[false,"Out","Parents",600,"Supporting broader development","Parents encourage and support their children's broader development","Parents support their children with their literacy, numeracy and wider school work","Parents help young children learn letters, words and numbers (3-4)","{If children aged 3-4} How often does someone at home help (child) to learn the ABC or alphabet?\n\nHow often does someone at home look at books with or read to your child? \n\nHow often does someone at home teach your child numbers or counting?\n\n\nANSWER OPTIONS FOR ALL: \n1. Occasionally or less than once a week\n2. 1 or 2 days per week\n3. 3 or 4 times a week\n4. 5 times a week or more\n\n\n",null,null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D599))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D599))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D599))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F599))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G599))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H599))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I599))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I599))),\"\")","v":""}]
[false,"Out","Parents",601,"Supporting broader development","Parents encourage and support their children's broader development","Parents support their children with their literacy, numeracy and wider school work","Parents show interest in CYP’s general school work (5+)","Thinking in general about children and education, would you say that a child's education is…\n\nWholly the parents' responsibility\nMainly the parents' responsibility\nMainly the school's responsibility\nWholly the school's responsibility\nBoth equally\n",null,null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D600))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D600))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D600))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F600))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G600))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H600))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I600))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I600))),\"\")","v":""}]
[false,"Out","Parents",602,"Supporting broader development","Parents encourage and support their children's broader development","Parents support their children with their literacy, numeracy and wider school work","Parents support CYP in their Maths/English schoolwork (5+)","{If children aged 5+} How often does someone at home teach your child maths or help with maths homework? \n1. Occasionally or less than once a week\n2. 1 or 2 days per week\n3. 3 or 4 times a week\n4. 5 times a week or more\n\n{If children aged 5+} How often does someone at home teach your child words or help with English homework? \n1. Occasionally or less than once a week\n2. 1 or 2 days per week\n3. 3 or 4 times a week\n4. 5 times a week or more",null,null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D601))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D601))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D601))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F601))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G601))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H601))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I601))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I601))),\"\")","v":""}]
[false,"Out","Parents",603,"Supporting broader development","Parents encourage and support their children's broader development","Parents encourage children to solve their own problems",null,"How important do you think it is for your child solve their own problems?\n1. Very important\n2. Fairly important\n3. Neither important nor unimportant\n4. Fairly unimportant\n5. Very unimportant\n[6.Don't know]",null,null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D602))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D602))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D602))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F602))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G602))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H602))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I602))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I602))),\"\")","v":""}]
[false,"Out","Parents",604,"Supporting broader development","Parents encourage and support their children's broader development","Parents support the development of their children's self-confidence and praise them when they do well and put in effort.",null,"How comfortable do you feel praising your child when they try hard to do something?\n1. Very comfortable\n2. Somewhat comfortable\n3. Somewhat uncomfortable\n4. Not at all comfortable\n\nHow often do you praise your child when they try hard to do something?\n1. Often\n2.Sometimes\n3 Rarely\n4.Never\n[5.Don’t know]\n\n",null,null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D603))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D603))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D603))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F603))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G603))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H603))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I603))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I603))),\"\")","v":""}]
[false,"Out","Parents",605,"Supporting broader development","Parents encourage and support their children's broader development","Parents encourage children to seek help if needed",null,"How often do you encourage your child to talk to people if they need help with something?\n1. Often\n2.Sometimes\n3 Rarely\n4.Never\n[5.Don’t know]",null,null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D604))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D604))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D604))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F604))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G604))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H604))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I604))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I604))),\"\")","v":""}]
[false,"Out","Parents",606,"Seeking and sharing advice","Parents actively seek support to help them develop their children's financial capability, and share their knowledge with others ","Parents know where to find information and resources to help them develop their children's financial capability",null,"Do you know where to find information on teaching children and young people about money management?\n1. Yes\n2. No\n \nWhich of these sources would you go to if you wanted to get information or help with teaching children and young people about money management?\n \n 1. My child's school\n 2. Websites/ Online content\n 3. A charity such as CAB\n 4. Other ________\n 5. None of these\n  6. Don’t know\n",null,null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D605))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D605))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D605))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F605))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G605))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H605))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I605))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I605))),\"\")","v":""}]
[false,"Out","Parents",607,null,"Parents actively seek support to help them develop their children's financial capability, and share their knowledge with others ","Parents access and use information and resources to help them develop their children's financial capability",null,"In the last 12 months have you used any of the following to get information about teaching children and young people about money management? Tick all that apply\n\n 1. My child's school\n 2. Websites/ Online content\n 3. A charity such as CAB\n 4. Other ________\n 5. None of these\n  6. Don’t know",null,null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D606))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D606))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D606))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F606))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G606))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H606))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I606))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I606))),\"\")","v":""}]
[false,"Out","Parents",608,null,"Parents actively seek support to help them develop their children's financial capability, and share their knowledge with others ","Parents talk to other parents about how to help their children develop financial capability",null,"How often do you speak to other parents about ways in which to help children develop money management skills?\n1. Often\n2.Sometimes\n3 Rarely\n4.Never\n[5.Don’t know]",null,null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D607))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D607))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D607))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F607))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G607))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H607))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I607))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I607))),\"\")","v":""}]
[false,"Out","Parents",609,"For general adults outcomes (eg. confidence in money management skills, no anxiety about money, and willingness to seek advice about money, see the adult outcomes framework)","Ability to live (adequately) within means","Managing well day-to-day","Satisfaction with standard of living \n","How well would you say you yourself are managing financially these days? Would you say you are...\nCHOOSE ONE ONLY\n1. Living comfortably\n2. Getting by alright\n3. Just about getting by\n4. Finding it quite difficult\n5. or finding it very difficult?",null,null,null,null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D608))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D608))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D608))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F608))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G608))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H608))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I608))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I608))),\"\")","v":""}]
[false,"Out","Parents",610,"For general adults outcomes (eg. confidence in money management skills, no anxiety about money, and willingness to seek advice about money, see the adult outcomes framework)","Ability to live (adequately) within means","Falling behind/in debt/in arrears",null,"In the last [SIX] months, have [you / or your partner] been unable to pay any of these bills due to a lack of money?\nCHOOSE ALL THAT APPLY\n1. Rent or mortgage payments\n2. Council tax\n3. Gas, electricity or other fuel bills\n4. Water bill\n5. Telephone bill (including mobile phone, broadband)\n6. Credit or store card bills\n7. Repayments on a loan or advance,\n8. Repayments on goods bought on hire purchase or mail order\n9. TV licence\n10. Income Tax or VAT payments\n11. Any other bill or regular commitment\n12. None of these (SINGLE CODE ONLY)",null,null,"Practitioners can change [six] months to a reference period which is consistent with the lapsed time between the intervention and follow up measurement",null,null,null,{"$f":"IFERROR(INDEX(D$3:D$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D609))),\"\")","v":""},{"$f":"IFERROR(INDEX(C$3:C$622,SMALL(IF(B$3:B$622=\"In\",ROW(C$2:C$621)-ROW(D$2)+1),ROW(D609))),\"\")","v":""},{"$f":"IFERROR(INDEX(F$3:F$622,SMALL(IF(B$3:B$622=\"In\",ROW(D$2:D$621)-ROW(D$2)+1),ROW(D609))),\"\")","v":""},{"$f":"IFERROR(INDEX(G$3:G$622,SMALL(IF(B$3:B$622=\"In\",ROW(G$2:G$621)-ROW(F$2)+1),ROW(F609))),\"\")","v":""},{"$f":"IFERROR(INDEX(H$3:H$622,SMALL(IF(B$3:B$622=\"In\",ROW(H$2:H$621)-ROW(G$2)+1),ROW(G609))),\"\")","v":""},{"$f":"IFERROR(INDEX(I$3:I$622,SMALL(IF(B$3:B$622=\"In\",ROW(I$2:I$621)-ROW(H$2)+1),ROW(H609))),\"\")","v":""},null,{"$f":"IFERROR(INDEX(K$3:K$622,SMALL(IF(B$3:B$622=\"In\",ROW(K$2:K$621)-ROW(I$2)+1),ROW(I609))),\"\")","v":""},{"$f":"IFERROR(INDEX(L$3:L$622,SMALL(IF(B$3:B$622=\"In\",ROW(L$2:L$621)-ROW(I$2)+1),ROW(I609))),\"\")","v":""}]
[false,"Out","Parents",611,"For general adults outcomes (eg. confidence in money management skills, no anxiety about money, and willingness to seek advice about money, see the adult outcomes framework)","Financial resilience - ability to withstand financial shocks",null,null,"Do you (and your partner) currently have at least as much money in savings as you get in income each month? \nCHOOSE ONE ONLY\n1. No\n2. Yes, about 1 month\n3. Yes, about 2 months\n4. Yes, three months of more\n\n"]
[false,"Out","Parents",612,"For general adults outcomes (eg. confidence in money management skills, no anxiety about money, and willingness to seek advice about money, see the adult outcomes framework)","Managing money well day-to-day",null,"Creating and sticking to a viable budget","A) How closely do you normally plan how you will spend your money over the coming week or month? For example by drawing up a budget.\nCHOOSE ONE ONLY\n1. Very closely\n2. Fairly closely\n3. Not very closely\n4. I do not plan my spending at all\n5. Don't know\n\nB) And, how often do you keep to the budget you set?\nCHOOSE ONE ONLY\n1. Always \n2. Most of the time\n3. Sometimes\n4. Hardly ever\n5. Never\n6. Do not budget"]
[false,"Out","Parents",613,"For general adults outcomes (eg. confidence in money management skills, no anxiety about money, and willingness to seek advice about money, see the adult outcomes framework)","General saving behaviour ",null,"Saving on a regular basis ","A) Which of these best describes how often you save money?\nCHOOSE ONE ONLY\n1. Every month\n2. Most months\n3. Some months, but not others\n4. Rarely/never\n5. Don’t know\n\nB) Just thinking about the months that you save money is the amount that you save…\n1. Roughly the same each month\n2. A little different from month to month\n3. Very different from month to month\n4. Don’t know\n\nC) About how much on average do you personally manage to save each month, at the moment? \nENTER AMOUNT IN £\nVaries too much to say","Y (first Q, amended version)"]
[false,"Out","Parents",614,"For general adults outcomes (eg. confidence in money management skills, no anxiety about money, and willingness to seek advice about money, see the adult outcomes framework)"," Financial attitudes and motivations","Attitudes to money","Attitudes to managing money"," A) I feel under pressure to spend money on my children even when I can't afford it 0 (does not sound like me at all) to 10 (sounds a lot like me)\n\n\n0 does not sound like me\n...\n10 sounds a lot like me\nDon't know\nNot applicable","Y"]
[false,{"$f":"IF(A616=TRUE,\"In\",\"Out\")","v":"Out"},"Parents",615,"For general adults outcomes (eg. confidence in money management skills, no anxiety about money, and willingness to seek advice about money, see the adult outcomes framework)"," Financial attitudes and motivations","Attitudes to money","Attitudes to managing money","To what extent do you agree or disagree with the\nstatement \n\n \"Nothing I do will make much difference to my financial situation\"\n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know\n","Y"]
[false,"Out","Parents",616,"For general adults outcomes (eg. confidence in money management skills, no anxiety about money, and willingness to seek advice about money, see the adult outcomes framework)","General attitudes and motivations (applied to money)","Self-control","People are able to abstain from/delay spending in order to live within their means and save for the future\n\n","How much do you agree or disagree with each of the following statements?  \n \n- I tend to buy things even when I can’t really afford them\n - I tend to live for today and let tomorrow take care of itself  \n - I find it more satisfying to spend money than to save it for the long term \n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know"]
[false,"Out","Parents",617,"For general adults outcomes (eg. confidence in money management skills, no anxiety about money, and willingness to seek advice about money, see the adult outcomes framework)","Financial knowledge and understanding","Understanding financial concepts, products and situations","People are able to answer basic questions about interest rates and savings  \n","QUIZ Suppose you put £100 into a savings account with a guaranteed interest rate of 2% per year. You don’t make any further payments into this account and you don’t withdraw any money.\n\nHow much would be in the account at the end of the first year, once the interest payment is made?\n1: A. £120\n2: B. £140\n3: C. £104\n4: D. £102"]
[false,"Out","Parents",618,"For general adults outcomes (eg. confidence in money management skills, no anxiety about money, and willingness to seek advice about money, see the adult outcomes framework)","Financial knowledge and understanding","Understanding financial concepts, products and situations","People are able to answer basic questions about the interest rates and loans \n\n\n\n","QUIZ You have taken out a loan for £500, and the interest rate you are charged is 10 percent per month. There are no other fees. At this interest rate, how much money would you owe in total after one month?\n\nA £505\nB £550\nC £510\nD £600\n"]
[false,"Out","Parents",619,"For general adults outcomes (eg. confidence in money management skills, no anxiety about money, and willingness to seek advice about money, see the adult outcomes framework)","Financial knowledge and understanding","Understanding financial concepts, products and situations","People understand basic financial concepts and are able to answer basic questions around interest rates and inflation \n","QUIZ If the inflation rate is 5% and the interest rate you get on your savings is 3%, will your savings have more, less or the same amount of buying power in a year’s time?\n1. More\n2. The same\n3. Less\n4. Don’t know"]
[false,"Out","Parents",620,"For general adults outcomes (eg. confidence in money management skills, no anxiety about money, and willingness to seek advice about money, see the adult outcomes framework)","Basic skills","Applied numeracy","People can successfully apply mathematical skills to financial problems","QUIZ The same TV is on sale in both shop A and B. In Shop A it is priced at £400.  In Shop B it is on sale for £500 with 10% discount.  Which one is cheaper? \n\n1:  The one sold in shop A \n2: The one sold in shop B \n3: They are both the same price \n4. Don't know"]

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[]
[]
[null,"Question No.","Area","Higher level outcome","Lower level outcome","Indicator","Final framework question","CYP FinCap","Picture Question","Notes for users"]
[null,{"$f":"Questions!P3","v":1},{"$f":"Questions!Q3","v":"3-5 yrs"},{"$f":"Questions!R3","v":0},{"$f":"Questions!S3","v":"CYP have their own regular source of money"},{"$f":"Questions!T3","v":"Children receive pocket money regularly"},{"$f":"Questions!U3","v":"Parent proxy\n\nIn which of the following ways does this child get money of their own?\nPlease tick all that apply\n\nRegular pocket money\nIn return for good behaviour or helping out at home / chores\nNow and again on special days out or holidays\nBirthdays / Christmas / Other celebrations\nWhen they see Grandparents or other close family friends / relatives\nIrregularly or when we have some money to spare\nNone - My child doen't have any money of their own\nOther (plesae state)\nDon't know\n\nIF 'Regular pocket money' is ticked:\n\nDo you give a regular set amount of pocket money to your child or does the amount vary?\n1. A regular set amount\n2. It varies\n[3  Don’t know]\n\nHow much pocket money do you usually give your child?\nOPEN: £____________ per week/ month"},{"$f":"Questions!V3","v":"Y"},{"$f":"Questions!W3","v":"N"},{"$f":"Questions!X3","v":"This question should be asked first."}]
[null,{"$f":"Questions!P4","v":""},{"$f":"Questions!Q4","v":""},{"$f":"Questions!R4","v":""},{"$f":"Questions!S4","v":""},{"$f":"Questions!T4","v":""},{"$f":"Questions!U4","v":""},null,{"$f":"Questions!W4","v":""},{"$f":"Questions!X4","v":""}]
[null,{"$f":"Questions!P5","v":""},{"$f":"Questions!Q5","v":""},{"$f":"Questions!R5","v":""},{"$f":"Questions!S5","v":""},{"$f":"Questions!T5","v":""},{"$f":"Questions!U5","v":""},null,{"$f":"Questions!W5","v":""},{"$f":"Questions!X5","v":""}]
[null,{"$f":"Questions!P6","v":""},{"$f":"Questions!Q6","v":""},{"$f":"Questions!R6","v":""},{"$f":"Questions!S6","v":""},{"$f":"Questions!T6","v":""},{"$f":"Questions!U6","v":""},null,{"$f":"Questions!W6","v":""},{"$f":"Questions!X6","v":""}]
[null,{"$f":"Questions!P7","v":""},{"$f":"Questions!Q7","v":""},{"$f":"Questions!R7","v":""},{"$f":"Questions!S7","v":""},{"$f":"Questions!T7","v":""},{"$f":"Questions!U7","v":""},null,{"$f":"Questions!W7","v":""},{"$f":"Questions!X7","v":""}]
[null,{"$f":"Questions!P8","v":""},{"$f":"Questions!Q8","v":""},{"$f":"Questions!R8","v":""},{"$f":"Questions!S8","v":""},{"$f":"Questions!T8","v":""},{"$f":"Questions!U8","v":""},null,{"$f":"Questions!W8","v":""},{"$f":"Questions!X8","v":""}]
[null,{"$f":"Questions!P9","v":""},{"$f":"Questions!Q9","v":""},{"$f":"Questions!R9","v":""},{"$f":"Questions!S9","v":""},{"$f":"Questions!T9","v":""},{"$f":"Questions!U9","v":""},null,{"$f":"Questions!W9","v":""},{"$f":"Questions!X9","v":""}]
[null,{"$f":"Questions!P10","v":""},{"$f":"Questions!Q10","v":""},{"$f":"Questions!R10","v":""},{"$f":"Questions!S10","v":""},{"$f":"Questions!T10","v":""},{"$f":"Questions!U10","v":""},null,{"$f":"Questions!W10","v":""},{"$f":"Questions!X10","v":""}]
[null,{"$f":"Questions!P11","v":""},{"$f":"Questions!Q11","v":""},{"$f":"Questions!R11","v":""},{"$f":"Questions!S11","v":""},{"$f":"Questions!T11","v":""},{"$f":"Questions!U11","v":""},null,{"$f":"Questions!W11","v":""},{"$f":"Questions!X11","v":""}]
[null,{"$f":"Questions!P12","v":""},{"$f":"Questions!Q12","v":""},{"$f":"Questions!R12","v":""},{"$f":"Questions!S12","v":""},{"$f":"Questions!T12","v":""},{"$f":"Questions!U12","v":""},null,{"$f":"Questions!W12","v":""},{"$f":"Questions!X12","v":""}]
[null,{"$f":"Questions!P13","v":""},{"$f":"Questions!Q13","v":""},{"$f":"Questions!R13","v":""},{"$f":"Questions!S13","v":""},{"$f":"Questions!T13","v":""},{"$f":"Questions!U13","v":""},null,{"$f":"Questions!W13","v":""},{"$f":"Questions!X13","v":""}]
[null,{"$f":"Questions!P14","v":""},{"$f":"Questions!Q14","v":""},{"$f":"Questions!R14","v":""},{"$f":"Questions!S14","v":""},{"$f":"Questions!T14","v":""},{"$f":"Questions!U14","v":""},null,{"$f":"Questions!W14","v":""},{"$f":"Questions!X14","v":""}]
[null,{"$f":"Questions!P15","v":""},{"$f":"Questions!Q15","v":""},{"$f":"Questions!R15","v":""},{"$f":"Questions!S15","v":""},{"$f":"Questions!T15","v":""},{"$f":"Questions!U15","v":""},null,{"$f":"Questions!W15","v":""},{"$f":"Questions!X15","v":""}]
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[]
[]
[]
[null,"Children, young people and parents Outcome Framework"]
[null,"3 - 5 yrs"]
[null,"Please select the first question for each indicator"]
[]
[null,"Higher level outcome","Lower level outcome","Indicator","Question","CYP \nFinCap","Picture \nQuestion","Question"]
[null,null,"CYP have their own regular source of money","Children receive pocket money regularly","Parent proxy\n\nIn which of the following ways does this child get money of their own?\nPlease tick all that apply\n\nRegular pocket money\nIn return for good behaviour or helping out at home / chores\nNow and again on special days out or holidays\nBirthdays / Christmas / Other celebrations\nWhen they see Grandparents or other close family friends / relatives\nIrregularly or when we have some money to spare\nNone - My child doen't have any money of their own\nOther (plesae state)\nDon't know\n\nIF 'Regular pocket money' is ticked:\n\nDo you give a regular set amount of pocket money to your child or does the amount vary?\n1. A regular set amount\n2. It varies\n[3  Don’t know]\n\nHow much pocket money do you usually give your child?\nOPEN: £____________ per week/ month","Y","N",{"$f":"Questions!D3","v":1}]
[null,"Managing your money well day-to-day",null,"Children keep their money in a safe place eg. a piggy bank, money box or purse/wallet","Parent proxy\n\nDoes your child always keep their spending money somewhere safe (for example a money box or purse) or do they sometimes leave it lying around?\n1. They always keep their money somewhere safe\n2. They sometimes leave it lying around\n3. Not applicable- Child does not have own money\n[4. Don't know]",0,"N",{"$f":"Questions!D4","v":2}]
[null,"Managing your money well day-to-day",null,"Children make age appropriate choices about how to spend their money","Parent proxy\n\nHow often does your child plan what they want to buy in advance?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n[5. Don't know]\n[6. Not applicable- child does not have own money]\n\n\n\nHow often does your child make impulse purchases?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n[5. Don't know]\n[6. Not applicable- child does not have own money]",0,"N",{"$f":"Questions!D5","v":3}]
[null,"Access to and use of financial products","CYP receive advice and guidance about money as well as wider life goals","Children receive money advice and guidance from their parents and other family members","Parent proxy\n\nHow often do you give your child advice and guidance about money?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n[5. Don’t know]\n\n\nHow often does your child receive advice and guidance about money from  other family members?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n[5. Don’t know]",0,"N",{"$f":"Questions!D6","v":4}]
[null,"Access to and use of financial products","CYP receive advice and guidance about money as well as wider life goals",null,"Interviewer administered:\n\nPQ11: Do your parents talk to you about what you spend your money on? \n\nYes\nNo","Y","Y - PQ11",{"$f":"Questions!D7","v":5}]
[null,"Exposure to family finances","CYP witness financial transactions and processes","Children regularly see money in various forms being used to pay for things in shops","Parent proxy\n\nHow often do you do the following in front of your child?\n(GRID: Answer options:  Often, Sometimes, Rarely, Never , Don't Know)   \nPay for things using cash       \nPay for things using a debit or credit card      \nPay for things online                                         \nChecked the balance of a bank account                            \nUsed online banking to check a bank account                 \nChecked the balance on a credit card    \nUsed a cash machine to withdraw money                           \n    ",0,"N",{"$f":"Questions!D8","v":6}]
[null,"Exposure to family finances","CYP are involved in discussions and decisions about household spending","Children hear everyday household spending decisions are being taken (eg. about the weekly shop)","Parent proxy\n\nHow often does your child hear about basic family spending decisions, for example what you buy in a weekly shop?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n[5. Don’t know]",0,"N",{"$f":"Questions!D9","v":7}]
[null,"Experience of managing your own money (and the risks that come with it)","CYP have their own regular source of money","Children receive pocket money regularly","Parent proxy\n\nIn which of the following ways does this child get money of their own?\nPlease tick all that apply\n\nRegular pocket money\nIn return for good behaviour or helping out at home / chores\nParent proxy\n\nNow and again on special days out or holidays\nBirthdays / Christmas / Other celebrations\nWhen they see Grandparents or other close family friends / relatives\nIrregularly or when we have some money to spare\nNone - My child doen't have any money of their own\nOther (plesae state)\nDon't know\n\nIF 'Regular pocket money' is ticked:\n\nDo you give a regular set amount of pocket money to your child or does the amount vary?\n1. A regular set amount\n2. It varies\n[3  Don’t know]\n\nHow much pocket money do you usually give your child?\nOPEN: £____________ per week/ month","Y","N",{"$f":"Questions!D10","v":8}]
[null,"Experience of managing your own money (and the risks that come with it)","CYP have experience of paying for goods and activities","Children understand when things are being paid for in shops","Parent proxy\n\nDoes your child understand that you have to pay for things you want to buy in a shop?\n1. Yes\n2. No\n3. Don’t know\n\nDoes your child know that you are handing over money for things you want to buy when paying in a shop?\n1. Yes\n2. No\n3. Don’t know",0,"N",{"$f":"Questions!D11","v":9}]
[null,"Attitudes to money management (including spending, saving and borrowing)","CYP accept that they cannot have everything they want and that everyone has to make trade-offs with their money","Children understand that people have to make choices about what they buy ","Parent proxy\n\nDo you think that your child understands that money is limited and people need to choose what they buy rather than buying everything they want?\n1. Yes, all the time\n2. Yes, sometimes\n3. No\n4. Don’t know",0,"N",{"$f":"Questions!D12","v":10}]
[null,"Attitudes to money management (including spending, saving and borrowing)",null,null,"Interviewer administered:\n\nPQ18: Imagine you have £5 to spend. You see a toy you really want but you don't have enough money for it. What do you do?\n\nBuy something else\nAsk your mum or dad to buy it for you\nSave up your money to buy it later",0,"Y - PQ18",{"$f":"Questions!D13","v":11}]
[null,"Money and values","CYP do not value themselves or others by their material possessions","Children do not think that their possessions are the most important thing about them","Parent proxy\n\nHow often does your child ask you to buy things because their friends have them?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n5. Don’t know",0,"N",{"$f":"Questions!D14","v":12}]
[null,"Money and values",null,null,"Parent proxy\n\nHave  you ever talked to your child about how they shouldn’t buy things just to fit in with friends?\n1. Yes\n2. No",0,"N",{"$f":"Questions!D15","v":13}]
[null,"Money and values",null,null,"Interviewer administered:\n\nPQ16: Click/draw a circle around your answer.\n\nDo you ask your mum or dad for things your friends have?\n\nAll the time\nSometimes\nNever","Y","Y - PQ16",{"$f":"Questions!D16","v":14}]
[null,"General mindset","CYP display self-control/self-regulation","Children show appropriate behaviour","Parent proxy\n\nPlease say how true or untrue the following statements are of your child:\n{Child} Frequently fights with others \n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Is irritable or quick to get angry\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Sometimes takes/steals things from others\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Is often disobedient\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Often tells lies\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child","Y \n(Second Q; Fourth Q)","N",{"$f":"Questions!D18","v":16}]
[null,"General mindset",null,null,"Interviewer administered:\n\nPQ8:My friend is playing with a toy and I want to play with it. What should I do? Take it off them / Ask if I can have a turn / Find something else to play with      \n","Y","Y - PQ8",{"$f":"Questions!D19","v":17}]
[null,"General mindset",null,null,"Interviewer administered:\n\nPQ19: I have a large jar of sweets but it is nearly dinner time. What should I do? \nEat them all now / Eat some now and same some for another day",0,"Y - PQ19",{"$f":"Questions!D20","v":18}]
[null,"Understanding financial products and concepts","CYP understand financial products, concepts and language","Children know that there are different coins, and can describe and name them","Parent proxy\n\nCan your child put coins in order of their value?\n1. Yes\n2. No\n3. Don’t know\n\nCan your child put banknotes in order of their value?\n1. Yes\n2. No\n3. Don’t know",0,"N",{"$f":"Questions!D22","v":20}]
[null,"Understanding financial products and concepts","CYP understand financial products, concepts and language","Children are beginning to understand that different coins and notes have different values","Parent proxy\n\nDoes your child understand that different coins and notes have different monetary values?\n1. Yes\n2. No\n3. Don’t know\n",0,"N",{"$f":"Questions!D23","v":21}]
[null,"Understanding financial products and concepts","CYP understand financial products, concepts and language",null,"Interviewer administered:\n\nPQ1: Click/draw a circle around your answer.\n\nWhich one of these is worth the most?\n\nPQ2:  Click/draw a circle around your answer.\n\nWhich one of these is worth the least","Y","Y - PQ1 & PQ2",{"$f":"Questions!D24","v":22}]
[null,"Understanding financial products and concepts","CYP understand financial products, concepts and language",null,"Interviewer administered:\n\nPQ4: Click/draw a circle around your answer.\n\nWhich one of these is worth the most?\n\nPQ5:  Click/draw a circle around your answer.\n\nWhich one of these is worth the least","Y","Y - PQ4 & PQ5",{"$f":"Questions!D25","v":23}]
[null,"Understanding financial products and concepts","CYP understand financial products, concepts and language","Children are aware of and can explain basic financial language eg. spend, save, change","Parent proxy\n\n\nA: Is your child familiar with these simple financial terms? Please tick all that apply\n1. Save\n2. Spend\n3. Change\n4. Not sure\n\n[for each ticked at A]\nB: Has your child ever used these simple financial terms?\n1. Save\n2. Spend\n3. Change\n4. Not sure",0,"N",{"$f":"Questions!D26","v":24}]
[null,"Understanding financial products and concepts","CYP understand financial products, concepts and language",null,"Interviewer administered:\n\nSQ1: Please can you tell me what is happening in these pictures?\n\nCoding list\n\nSave: keep, put away, look after\nSpend: use, give, pay for, buy\nChange: money back, left over",0,"Y - SQ1",{"$f":"Questions!D27","v":25}]
[null,"Understanding money management","CYP understand the value of money","Children are beginning to understand that certain things they need and want cost money","Parent proxy\n\nDoes your child understand that everyday items such as toys, clothes and food cost money?\n1. Yes\n2. No\n3. Don’t know\n\nDoes your child understand that activities such as classes or trips out cost money?\n1. Yes\n2. No\n3. Don’t know \n\n\nDoes your child understand that different things cost different amounts?\n1. Yes\n2. No\n3. Don’t know ",0,"N",{"$f":"Questions!D28","v":26}]
[null,"Understanding money management","CYP understand the value of money","Children are beginning to understand that diffrerent things cost different amounts","Parent proxy\n\nDoes your child understand that different items or activities cost different amounts?\n1. Yes\n2. No\n3. Don’t know\n",0,"N",{"$f":"Questions!D29","v":27}]
[null,"Understanding money management","CYP understand the value of money",null,"Interviewer administered:\n\nCQ3; CQ4: Which of these do you think costs more?",0,"Y - CQ3 & CQ4",{"$f":"Questions!D30","v":28}]
[null,"Understanding money management","CYP understand the value of money",null,"Interviewer administered:\n\nCQ5 CQ6: Which of these do you think costs more?",0,"Y - CQ5 & CQ6",{"$f":"Questions!D31","v":29}]
[null,"Understanding money management","CYP understand the value of money","Children are aware that money is valuable and not a toy","Parent proxy\n\nDoes your child understand that money is not a toy?\n1. Yes\n2. No\n3. Don’t know ",0,"N",{"$f":"Questions!D32","v":30}]
[null,"Understanding money management","CYP understand the value of money","Children know how to keep money safe","Parent proxy\n\nDoes your child always keep their spending money somewhere safe (for example a money box or purse) or do they sometimes leave it lying around?\n1. They always keep their money somewhere safe\n2. They sometimes leave it lying around\n3. Not applicable- Child does not have own money\n[4. Don't know]",0,"N",{"$f":"Questions!D33","v":31}]
[null,"Understanding money management",null,null,"Interviewer administered:\n\nPQ13: Click/draw a circle answer (pick as many as you think).\n\nWhere are good places to keep your money? \nAround the house\nIn a piggy bank or money box\nIn the garden\nIn a purse or wallet","Y","Y - PQ13",{"$f":"Questions!D34","v":32}]
[null,"Understanding money management","CYP can apply their numeracy skills to financial issues","Children can do very simple addition and subtraction in relation to money","Interviewer administered:\n\nPQ3:\n\nI want to buy this lollipop. It costs £1.50.\nWhich coins will I need to buy the lollipop?\n\nPlease click/draw a circle around the right coins \n","Y","Y - PQ3",{"$f":"Questions!D35","v":33}]
[null,"Understanding money management","CYP can apply their numeracy skills to financial issues","Children can do very simple addition and subtraction in relation to money","Interviewer administered:\n\nPQ20:\n\nThe lolly costs 21p. What coins you need to pay the exact money?\n\n\nPlease click/draw a circle around the right coins",0,"Y - PQ20",{"$f":"Questions!D36","v":34}]
[null,"Basic skills","CYP have good literacy skills","Children perform at age appropriate levels in standardised literacy tests","Use standardised Maths/ English tests where available",0,"N",{"$f":"Questions!D37","v":35}]
[null,"Basic skills","CYP have good numeracy skills","Children perform at age appropriate levels in standardised numeracy tests","Use standardised Maths/ English tests where available",0,"N",{"$f":"Questions!D38","v":36}]
[null,"Basic skills","CYP have good problem solving skills","Children can identify and understand a problem","Use standardised Maths/ English tests where available",0,"N",{"$f":"Questions!D39","v":37}]
[null,"Basic skills","CYP have good problem solving skills","Children can plan ways to solve a problem","Use standardised Maths/ English tests where available",0,"N",{"$f":"Questions!D40","v":38}]
[null,"Basic skills","CYP have good problem solving skills","Children can monitor progress in tackling a problem","Use standardised Maths/ English tests where available",0,"N",{"$f":"Questions!D41","v":39}]
[null,"Basic skills","CYP have good problem solving skills","Children can review solutions to problems and modify them if necessary","Use standardised Maths/ English tests where available",0,"N",{"$f":"Questions!D42","v":40}]

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[]
[]
[]
[null,"Children, young people and parents Outcome Framework"]
[null,"5-7 yrs"]
[null,"Please select the first question for each indicator"]
[]
[null,"Higher level outcome","Lower level outcome","Indicator","Question",{"$f":"'1'!F8","v":"CYP \nFinCap"},"Picture \nQuestion","Question"]
[null,null,"CYP have their own regular source of money","Children receive pocket money regularly","Parent proxy\nIn which of the following ways does this child get money of their own?\nPlease tick all that apply\n\nRegular pocket money\nIn return for good behaviour or helping out at home / chores\nNow and again on special days out or holidays\nBirthdays / Christmas / Other celebrations\nWhen they see Grandparents or other close family friends / relatives\nIrregularly or when we have some money to spare\nNone - My child doen't have any money of their own\nOther (plesae state)\nDon't know\n\nIF 'Regular pocket money' is ticked:\nDo you give a regular set amount of pocket money to your child or does the amount vary?\n1. A regular set amount\n2. It varies\n[3  Don’t know]\n\nHow much pocket money do you usually give your child?\nOPEN: £____________ per week/ month","Y","N",{"$f":"Questions!D44","v":42}]
[null,"Managing your money well day-to-day",null,"Children keep their money in a safe place eg. a piggy bank, money box or purse/wallet (3-5)","Parent proxy\n\nDoes your child always keep their spending money somewhere safe (for example a money box or purse) or do they sometimes leave it lying around?\n1. They always keep their money somewhere safe\n2. They sometimes leave it lying around\n3. Not applicable- Child does not have own money\n[4. Don't know]",0,"N",{"$f":"Questions!D45","v":43}]
[null,"Managing your money well day-to-day",null,"Children have money saved up","Interviewer administered:\nPQ9: Do you have any money saved up?\n\nYes\nNo",0,"Y-PQ9",{"$f":"Questions!D46","v":44}]
[null,"Managing your money well day-to-day",null,"Children know roughly how much money they have (including savings)","Parent proxy\n\nDoes your child know roughly how much money they have, including in their savings?\n1. Yes\n2. No\n3. Don’t know",0,"N",{"$f":"Questions!D47","v":45}]
[null,"Managing your money well day-to-day",null,"Children make a simple plan for what they will spend their money on and are able to stick to it","Parent proxy\n\nHow often does your child plan what they want to buy in advance?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n[5. Don't know]\n[6. Not applicable- child does not have own money]\n\n{If yes} How often does your child stick to their plan?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n[5. Don't know]\n\nHow often does your child make impulse purchases?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n[5. Don't know]\n[6. Not applicable- child does not have own money]\n",0,"N",{"$f":"Questions!D48","v":46}]
[null,"Managing your money well day-to-day",null,"Children make age appropriate choices about how to spend their money (3-5)","Parent proxy\n\nHow often does your child plan what they want to buy in advance?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n[5. Don't know]\n[6. Not applicable- child does not have own money]\n\n{If yes} How often does your child stick to their plan?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n[5. Don't know]\n\nHow often does your child make impulse purchases?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n[5. Don't know]\n[6. Not applicable- child does not have own money]\n\nWhat is the longest time your child saved  for because they wanted to buy a specific item?\n1. Less than a week\n2. More than a week but less than month\n3. A month or more\n\nDoes your child know that they will need to make choices about what to spend their money on, for example only being able to afford to buy one item instead of two?\n1. Yes\n2. No\n3. Don’t know \n",0,"N",{"$f":"Questions!D49","v":47}]
[null,"Managing your money well day-to-day",null,"Children check they have the right change when paying for things in shops","Parent proxy\n\nIs your child able to pay for something in a shop with cash?\n1. Yes\n2. No\n3. Don’t know\n\nDoes your child check they have been given the correct change when buying something in a shop?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n5. Don’t know  ",0,"N",{"$f":"Questions!D50","v":48}]
[null,"Managing your money well day-to-day",null,"Children save up for things they want to buy and can save for at least a month","Parent proxy\n\nIf your child wants something do they mostly tend to…\n1. Use their own money to buy it straight away or save up for it\n2. Ask you to buy the item for them\n3. My child doesn’t want things\n4. Don’t know\n\nHow often does your child save up their own money because they want to buy a specific item ?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n5. Don’t know  \n\nWhat is the longest time your child saved  for because they wanted to buy a specific item?\n1. Less than a week\n2. More than a week but less than month\n3. A month or more","Y (Second Q)","N",{"$f":"Questions!D51","v":49}]
[null,"Managing your money well day-to-day",null,"Children talk about money with friends and family openly","Parent proxy\n\nDoes your child ever talk to you about money? For example, how much pocket money they get, how much they spend or whether they're saving up for something?\n1. Yes, a lot\n2. Yes, sometimes\n3. No",0,"N",{"$f":"Questions!D52","v":50}]
[null,"Managing your money well day-to-day",null,"Children talk about money with friends and family openly","Interviewer administered:\nA: Do you and your friends talk about money? For example, how much pocket money you get, how much money you spend or whether you’re saving up for something?\n1. Yes\n2. No\n3. Don't Know",0,"N",{"$f":"Questions!D53","v":51}]
[null,"Access to and use of financial products","CYP have access to their own financial products","Children have their own bank account account (at a bank, building society, credit union, etc.)","Parent proxy\n\nDoes your child have a current account, held in their own name?\n1. Yes\n2. No\n[3.Don't know]\n\nDoes child have a savings account or junior ISA, held in their own name?\n1. Yes\n2. No\n[3.Don't know]",0,"N",{"$f":"Questions!D54","v":52}]
[null,"Access to and use of financial products","CYP receive advice and guidance about money as well as wider life goals","Children receive money advice and guidance from their family, teachers and other appropriate sources around money (3-5)","Parent proxy\n\nHow often do you give your child advice and guidance about money?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n5. Don’t know\n\nHow often does your child receive advice and guidance about money from teachers?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n5. Don’t know\n\nHow often does your child receive advice and guidance about money from any other sources?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n5. Don’t know",0,"N",{"$f":"Questions!D55","v":53}]
[null,"Access to and use of financial products","CYP receive advice and guidance about money as well as wider life goals","Children receive money advice and guidance from their family, teachers and other appropriate sources around money (3-5)","Interviewer administered:\n\nPQ11: Do your parents talk to you about what you spend your money on? \n\nYes\nNo","Y","Y-PQ11",{"$f":"Questions!D56","v":54}]
[null,"Exposure to family finances","CYP witness financial transactions and processes","Children regularly see money being used to pay for things in shops and online (3-5)","Parent proxy\n\nHow often do you do the following in front of your child?\n(GRID: Answer options:  Often, Sometimes, Rarely, Never , Don't Know)   \nPay for things using cash       \nPay for things using a debit or credit card      \nPay for things online                                         \nChecked the balance of a bank account                            \nUsed online banking to check a bank account                 \nChecked the balance on a credit card    \nUsed a cash machine to withdraw money                           ",0,"N",{"$f":"Questions!D57","v":55}]
[null,"Exposure to family finances","CYP are involved in discussions and decisions about household spending","Children are involved when everyday household spending decisions are being taken (eg. about the weekly shop) and trade-offs are being made","Parent proxy\n\nHow often do you involve your child in household spending decisions, for example what you buy in a weekly shop?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n[5. Don’t know]",0,"N",{"$f":"Questions!D58","v":56}]
[null,"Experience of managing your own money (and the risks that come with it)","CYP have their own regular source of money","Children receive pocket money regularly","Parent proxy\n\nIn which of the following ways does this child get money of their own?\nPlease tick all that apply\n\nRegular pocket money\nIn return for good behaviour or helping out at home / chores\nNow and again on special days out or holidays\nBirthdays / Christmas / Other celebrations\nWhen they see Grandparents or other close family friends / relatives\nIrregularly or when we have some money to spare\nNone - My child doen't have any money of their own\nOther (plesae state)\nDon't know\n\nIF 'Regular pocket money' is ticked:\n\nDo you give a regular set amount of pocket money to your child or does the amount vary?\n1. A regular set amount\n2. It varies\n[3  Don’t know]\n\nHow much pocket money do you usually give your child?\nOPEN: £____________ per week/ month","Y","N",{"$f":"Questions!D59","v":57}]
[null,"Experience of managing your own money (and the risks that come with it)","CYP have responsibility for managing their own money","Children have a place to keep their money safe (e.g. a piggy bank or purse/wallet) and are allowed to look after it themselves","Parent proxy\n\nDoes your child have a safe place to keep their money, for example a piggy bank or savings account?\n1. Yes\n2. No\n3. Does not apply- child does not have own money\n",0,"N",{"$f":"Questions!D60","v":58}]
[null,"Experience of managing your own money (and the risks that come with it)","CYP have responsibility for managing their own money","Children make decisions about how to spend or save their money, supported by their parents","Parent proxy\n\nWho is mainly responsible for deciding how your child’s pocket money or allowance is spent?  \n1. I am\n2. Another family member or carer is\n3. My child is\n4. My child is not given any money\n[5. Don’t know]\n\n\nWho is mainly responsible for deciding when your child’s money should be saved for later?  \n2. Another family member or carer is\n3. My child is\n4. My child is not given any money\n[5. Don’t know]\n\n",0,"N",{"$f":"Questions!D61","v":59}]
[null,"Experience of managing your own money (and the risks that come with it)",null,null,"Parent proxy\n\nWho is mainly responsible for keeping your child’s money safe? \n1. I am\n2. Another family member or carer is\n3. My child is\n4. My child is not given any money\n[5. Don’t know]\n",0,"N",{"$f":"Questions!D62","v":60}]
[null,"Experience of managing your own money (and the risks that come with it)","CYP have experience of paying for goods and activities","Children have experience of choosing coins and notes to pay for things in shops and waiting for change","Parent proxy\n\nIs your child able to make a cash payment in a shop?\n1. Yes\n2. No\n3. Don’t know\n\nDoes your child know to wait for change after they have made a cash payment?\n1. Yes\n2. No\n3. Don’t know\n",0,"N",{"$f":"Questions!D63","v":61}]
[null,"Attitudes to money management (including spending, saving and borrowing)","CYP believe it's important to manage your money well and think carefully about how you spend it","Children believe it is important to think carefully about what they spend their money on","Parent proxy:\n\nDoes your child think it's important to think carefully before they spend their money?\n\nYes\nNo\nNot sure",0,"N",{"$f":"Questions!D64","v":62}]
[null,"Attitudes to money management (including spending, saving and borrowing)","CYP believe it's important to manage your money well and think carefully about how you spend it","Children believe it is important to think carefully about what they spend their money on","Interviewer administered:\n\nPQ12: Imagine it was your birthday yesterday and you got £5, what would you do with it?\n\nI would spend it all at once\nI would wait and think about what to spend the money on","Y","Y-PQ12",{"$f":"Questions!D65","v":63}]
[null,"Attitudes to money management (including spending, saving and borrowing)","CYP think it's good to plan for the future and save up for things","Children think that saving money is a good thing to do","Interviewer administered:\n\nPQ10: Click/draw a circle around the one that is most like you.\n\nI like to save my money\nI like to spend my money straight away","Y","Y-PQ10",{"$f":"Questions!D66","v":64}]
[null,"Attitudes to money management (including spending, saving and borrowing)","CYP think it's good to plan for the future and save up for things","Children think that saving money is a good thing to do","Interviewer administered:\n\nPQ21: Click/draw a circle around your answer.\n\nIt's a good thing to save your money\n\nYes\nNo",0,"Y-PQ21",{"$f":"Questions!D67","v":65}]
[null,"Attitudes to money management (including spending, saving and borrowing)","CYP accept that they cannot have everything they want and that everyone has to make trade-offs with their money","Children don't continue to ask for things after they've been told they can't have them or will have to wait for them","Parent proxy\n\nHow often does your child pester you to buy things because they have spent all their own money?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n5. Don’t know\n\n",0,"N",{"$f":"Questions!D68","v":66}]
[null,"Attitudes to money management (including spending, saving and borrowing)","CYP accept that they cannot have everything they want and that everyone has to make trade-offs with their money","Children understand that people have to make choices about what they buy ","Parent proxy\n\nDo you think that your child understands that money is limited and that they can’t have everything they want?\n1. Yes, all the time\n2. Yes, sometimes\n3. No\n4. Don’t know\n\n",0,"N",{"$f":"Questions!D69","v":67}]
[null,"Attitudes to money management (including spending, saving and borrowing)","CYP accept that they cannot have everything they want and that everyone has to make trade-offs with their money","Children understand that people have to make choices about what they buy ","Interviewer administered:\n\nPQ18: Imagine you have £5 to spend. You see a toy you really want but you don't have enough money for it. What do you do?\n\nBuy something else\nAsk your mum or dad to buy it for you\nSave up your money to buy it later",0,"Y - PQ18",{"$f":"Questions!D70","v":68}]
[null,"Money and values","CYP do not value themselves or others by their material possessions","Children do not think that their possessions are the most important thing about them","Parent proxy\n\nHow often does your child ask you to buy things because their friends have them?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n5. Don’t know",0,"N",{"$f":"Questions!D71","v":69}]
[null,"Money and values","CYP do not value themselves or others by their material possessions","Children do not think that their possessions are the most important thing about them","Parent proxy\n\nHave  you ever talked to your child about how they shouldn’t buy things just to fit in with friends?\n1. Yes\n2. No",0,"N",{"$f":"Questions!D72","v":70}]
[null,"Money and values","CYP do not value themselves or others by their material possessions","Children do not think that their possessions are the most important thing about them","Interviewer administered:\n\nPQ16: Click/draw a circle around your answer.\n\nDo you ask your mum or dad for things your friends have?\n\nAll the time\nSometimes\nNever","Y","Y-PQ16",{"$f":"Questions!D73","v":71}]
[null,"Money and values","CYP feel comfortable talking openly about money with friends and family","Children feel comfortable talking openly about money with friends and family","Parent proxy\n\nDoes your child ever talk to you about money? For example, how much pocket money they get, how much they spend or whether they're saving up for something?\n1. Yes, a lot\n2. Yes, sometimes\n3. No",0,"N",{"$f":"Questions!D75","v":73}]
[null,"Money and values","CYP feel comfortable talking openly about money with friends and family","Children feel comfortable talking openly about money with friends and family","Interviewer administered:\nA: Do you and your friends talk about money? For example, how much pocket money you get, how much money you spend or whether you’re saving up for something?\n1. Yes\n2. No\n3. Don't Know",0,"N",{"$f":"Questions!D76","v":74}]
[null,"Aspirations and goals","CYP aspire to be good at managing their money","Children want to be good at managing their money","Interviewer administered:\n\nChloe gets £5 pocket money every week.  Chloe always spends £2 and puts £3 into her savings account.  Do you think Chloe sounds… [pick the one you think describes Chloe best]\na) Fun?\nb) Boring?\nc) Silly?\nd) Sensible?\ne) Stingy?\n\n\nChloe’s sister Daisy also gets £5 pocket money every week.  Daisy always spends all her pocket money and never saves any.  Do you think Daisy sounds… [pick the one you think describes Daisy best]\na) Fun?\nb) Boring?\nc) Silly?\nd) Sensible?\ne) Stingy?\n\n\nWhen it comes to spending and saving, are you more like Chloe or Daisy?\na) Chloe\nb) Daisy",0,"N",{"$f":"Questions!D77","v":75}]
[null,"Aspirations and goals","CYP have financial goals","Children have a plan for saving up a certain amount of money so that they can pay for something that they want themselves (they have a savings goal)","Parent proxy\n\nHow often does your child save up their money to buy a specific item?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n[5. Don't know]\n\n",0,"N",{"$f":"Questions!D78","v":76}]
[null,"General mindset","CYP have self-esteem","Children have a sense of their own value or worth","Parent proxy\n\nHow often does your child seem pleased or proud of themselves?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n[5. Don’t know]\n\nWhen around others does your child appear confident?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n[5. Don’t know]\n\n",0,"N",{"$f":"Questions!D79","v":77}]
[null,"General mindset","CYP have self-esteem","Children have a sense of their own value or worth","Interviewer administered:\n\nDo you think that your parents usually like to hear about your ideas? (Yes/No/Don't know)\n\nWhen you have to say things in front of teachers, do you usually feel shy? (Yes/No/Don't know)\n\nAre there lots of things about yourself you would like to change? (Yes/No/Don't know)","Y","N",{"$f":"Questions!D80","v":78}]
[null,"General mindset","CYP display self-control/self-regulation","Children show appropriate behaviour","\nParent proxy\n\nPlease say how true or untrue the following statements are of your child:\n{Child} Frequently fights with others \n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Is irritable or quick to get angry\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Sometimes takes/steals things from others\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Is often disobedient\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Often tells lies\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child","Y","N",{"$f":"Questions!D81","v":79}]
[null,"General mindset","CYP display self-control/self-regulation","Children show appropriate behaviour","Interviewer administered:\n\nPQ8:My friend is playing with a toy and I want to play with it. What should I do? Take it off them / Ask if I can have a turn / Find something else to play with      ","Y","Y-PQ8",{"$f":"Questions!D82","v":80}]
[null,"Understanding financial products and concepts","CYP understand financial products, concepts and language","Children know the value of coins and notes and can put them in order of value","Parent proxy\n\nCan your child put coins in order of their value?\n1. Yes\n2. No\n3. Don’t know\n\nCan your child put banknotes in order of their value?\n1. Yes\n2. No\n3. Don’t know",0,"N",{"$f":"Questions!D84","v":82}]
[null,"Understanding financial products and concepts","CYP understand financial products, concepts and language","Children know the value of coins and notes and can put them in order of value","Interviewer administered:\n\nPQ1: Click/draw a circle around your answer.\n\nWhich one of these is worth the most?\n\nPQ2:  Click/draw a circle around your answer.\n\nWhich one of these is worth the least","Y","Y-PQ1 & PQ2",{"$f":"Questions!D85","v":83}]
[null,"Understanding financial products and concepts","CYP understand financial products, concepts and language","Children know the value of coins and notes and can put them in order of value","Interviewer administered:\n\nPQ4: Click/draw a circle around your answer.\n\nWhich one of these is worth the most?\n\nPQ5:  Click/draw a circle around your answer.\n\nWhich one of these is worth the least","Y","Y-PQ4 & PQ5",{"$f":"Questions!D86","v":84}]
[null,"Understanding financial products and concepts","CYP understand financial products, concepts and language","Children know the value of coins and notes and can put them in order of value","Interviewer administered:\n\nPQ22: Click/draw a circle around your answer.\n\nCan you put these in the right order? Put a 1 next to the coin you think is worth the least, a 2 next to the coin you think is worth second to least and so on.",0,"Y-PQ22",{"$f":"Questions!D87","v":85}]
[null,"Understanding financial products and concepts","CYP understand financial products, concepts and language","Children can identify different combinations of coins and notes that make the same amount of money, and can select the right coins and notes when paying for things in shops","Interviewer administered:\n\nPQ3:\nI want to buy this lollipop. It costs £1.50.\nWhich coins will I need to buy the lollipop?\n\nPlease click/draw a circle around the right coins ","Y","Y-PQ3",{"$f":"Questions!D88","v":86}]
[null,"Understanding financial products and concepts","CYP understand financial products, concepts and language","Children can identify different combinations of coins and notes that make the same amount of money, and can select the right coins and notes when paying for things in shops","Interviewer administered:\n\nPQ20:\nThe lolly costs 21p. What coins you need to pay the exact money?\n\nPlease click/draw a circle around the right coins",0,"Y-PQ20",{"$f":"Questions!D89","v":87}]
[null,"Understanding financial products and concepts","CYP understand financial products, concepts and language","Children are aware of and can explain basic financial language e.g. spend, save, change (3-5)","Parent proxy\n\nDoes your child understand the following words and can use them appropriately in conversation?\n(1. Yes 2. No 3. Don't know) \nSpend\nSave\nChange",0,"N",{"$f":"Questions!D90","v":88}]
[null,"Understanding financial products and concepts","CYP understand financial products, concepts and language","Children are aware of and can explain basic financial language e.g. spend, save, change (3-5)","Interviewer administered:\n\nWhat do you do with your money if you 'save' it?\n1. keep it for the future\n2. spend it in a shop\n\nIf you can 'afford' to buy something do you:\n1. have enough to pay for it\n2. not have enough to pay for it",0,"N",{"$f":"Questions!D91","v":89}]
[null,"Understanding financial products and concepts","CYP understand financial products, concepts and language","Children are aware of and can explain basic financial language e.g. spend, save, change (3-5)","Interviewer administered:\n\nWhat does 'expensive' mean?\n1. it doesn't cost much\n2. it costs a lot of money\n",0,"N",{"$f":"Questions!D92","v":90}]
[null,"Understanding financial products and concepts","CYP understand financial products, concepts and language","Children are aware of and can explain basic financial language e.g. spend, save, change (3-5)","Interviewer administered:\n\nWhat's the other word for 'money' meaning coins and notes?\n1. cash\n2. catch",0,"N",{"$f":"Questions!D93","v":91}]
[null,"Understanding financial products and concepts","CYP understand financial products, concepts and language","Children recognise and use symbols for pounds (£) and pence (p)","Interviewer administered:\n\nCQ1: Which is worth more money?\n\n(SHOWCARD)\n£5\n5p\n",0,"Y-CQ1",{"$f":"Questions!D94","v":92}]
[null,"Understanding financial products and concepts","CYP understand financial products, concepts and language","Children recognise and use symbols for pounds (£) and pence (p)","Interviewer administered:\n\nCQ2: Which is worth more money?\n\n(SHOWCARD)\n£5\n5p\n",0,"Y-CQ2",{"$f":"Questions!D95","v":93}]
[null,"Understanding financial products and concepts","CYP understand financial products, concepts and language","Children understand the concept of borrowing money from family or friends and having to pay it back later","Parent proxy\n\nDoes your child understand the difference 'lending' and 'giving'?\n1. Yes\n2. No\n3. Don't Know\n\n",0,"N",{"$f":"Questions!D96","v":94}]
[null,"Understanding financial products and concepts","CYP understand financial products, concepts and language","Children understand the concept of borrowing money from family or friends and having to pay it back later","Parent proxy\n\nDoes your child understand that if they borrow something they have to give it back?\n1. Yes\n2. No\n3. Don't Know",0,"N",{"$f":"Questions!D97","v":95}]
[null,"Understanding financial products and concepts","CYP understand financial products, concepts and language","Children understand the concept of borrowing money from family or friends and having to pay it back later","Interviewer administered:\n\nIf you 'borrow' something do you...\n1. Keep it forever\n2. Give it back",0,"N",{"$f":"Questions!D98","v":96}]
[null,"Understanding financial products and concepts","CYP understand financial products, concepts and language","Children know that they can save money in different ways (eg. cash at home, in a savings account etc)","\nParent proxy:\nIn which of the following places is your child aware that money can be kept?'\nPlease tick all that apply.\n\n1. In a bank\n2. In a piggy bank or money box\n3. In a purse, wallet or handbag\n4. In pockets\n5. Looked after by parents\n6. Somewhere else (please write in)",0,"N",{"$f":"Questions!D99","v":97}]
[null,"Understanding financial products and concepts","CYP understand financial products, concepts and language","Children know that they can save money in different ways (eg. cash at home, in a savings account etc)","\nInterviewer administered:\nWhere can people keep their money so that it stays safe?\nCoding list: bank, piggy bank, money box, other container, purse, wallet, bag, pockets, at home, bedroom, other rooms in house, with a parent, other places.",0,"N",{"$f":"Questions!D100","v":98}]
[null,"Understanding financial products and concepts","CYP understand financial products, concepts and language","Children understand that you can pay for things in different ways (eg. cash, debit card, mobile, etc.)","Parent proxy\n\nDoes your child understand that money can be used digitally, for example when buying something through an online store or an app?\n1. Yes\n2. No\n3. Don’t know ",0,"N",{"$f":"Questions!D101","v":99}]
[null,"Understanding money management","CYP understand the value of money","Children know how to keep their money safe (3-5)","Parent proxy\n\nDoes your child always keep their spending money somewhere safe (for example a money box or purse) or do they sometimes leave it lying around?\n1. They always keep their money somewhere safe\n2. They sometimes leave it lying around\n3. Not applicable- Child does not have own money\n[4. Don't know]",0,"N",{"$f":"Questions!D102","v":100}]
[null,"Understanding money management","CYP understand the value of money","Children know how to keep their money safe (3-5)","Interviewer administered:\n\nPQ13: Click/draw a circle answer (pick as many as you think).\n\nWhere are good places to keep your money? \nAround the house / In a piggy bank or money box / In the garden / In a purse or wallet","Y","Y-PQ13",{"$f":"Questions!D103","v":101}]
[null,"Understanding money management","CYP understand the value of money","Children are beginning to understand the consequences of losing money or having it stolen","Parent proxy\n\nDoes your child understand that if money is lost or stolen, they cannot get it back?\n\n1. Yes\n2. No\n3. Don't Know",0,"N",{"$f":"Questions!D104","v":102}]
[null,"Understanding money management","CYP understand the value of money","Children are beginning to understand the consequences of losing money or having it stolen","Interviewer administered:\nWhat would it mean if you lost your money and someone found it and kept it?\n\n1. It would mean I couldn't buy what I wanted\n2. It would mean I'd have to get some more money from my parents\n3. It would mean I would have to ask a bank to replace it",0,"N",{"$f":"Questions!D105","v":103}]
[null,"Understanding money management","CYP understand the value of money","Children understand that money is limited and that they might not be able to have everything they want","Parent proxy\n\nDo you think that your child understands that money is limited and that they can’t have everything they want? \n1. Yes, all the time\n2. Yes, sometimes\n3. No\n4. Don’t know \n \n\nHave you ever explained to your child that money is limited and that they therefore can’t have everything they want?\n1.  Yes\n2. No\n3. Don’t know\n\nHow often do you explain to your child that money is limited and that they therefore can’t have everything they want?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n[5. Don’t know]\n\nDoes your child know that they will need to make choices about what to spend their money on, for example only being able to afford to buy one item instead of two?\n1. Yes\n2. No\n3. Don’t know \n",0,"N",{"$f":"Questions!D106","v":104}]
[null,"Understanding money management","CYP understand the value of money","Children understand that money is limited and that they might not be able to have everything they want","Interviewer administered:\n\nPQ18: Imagine you have £5 to spend. You see a toy you really want but you don't have enough money for it. What do you do?\n\nBuy something else\nAsk your mum or dad to buy it for you\nSave up your money to buy it later",0,"Y-PQ18",{"$f":"Questions!D107","v":105}]
[null,"Understanding money management","CYP understand the value of money","Children understand what wants and needs are and can explain the difference between the two","Parent proxy\n\nDoes your child understand that there is a difference between things they need and things they may want? \n1. Yes\n2. No\n3. Don’t know\n",0,"N",{"$f":"Questions!D108","v":106}]
[null,"Understanding money management","CYP understand the value of money","Children understand what wants and needs are and can explain the difference between the two","Interviewer administered:\n\nPQ14: Click/draw a circle around your answer.\n\nCan you help me? I only have £5 to spend and I am hungry. I can spend it on a new toy or on lunch. Which should I choose?\n\nToy\nLunch","Y","Y-PQ14",{"$f":"Questions!D109","v":107}]
[null,"Understanding money management","CYP understand the value of money","Children understand that certain things they need and want (toys, activities, clothes and food) cost money","Parent proxy\n\nDoes your child understand that everyday items such as toys, clothes and food cost money?\n1. Yes\n2. No\n3. Don’t know\n\nDoes your child understand that activities such as classes or trips out cost money?\n1. Yes\n2. No\n3. Don’t know ",0,"N",{"$f":"Questions!D110","v":108}]
[null,"Understanding money management","CYP understand the value of money","Children understand that different things cost different amounts","Parent proxy\n\nDoes your child understand that different items or activities cost different amounts?\n1. Yes\n2. No\n3. Don’t know\n",0,"N",{"$f":"Questions!D111","v":109}]
[null,"Understanding money management","CYP understand the value of money","Children understand that different things cost different amounts","Interviewer administered:\n\nCQ3; CQ4: Which of these do you think costs more?",0,"Y-CQ3 & CQ4",{"$f":"Questions!D112","v":110}]
[null,"Understanding money management","CYP understand the value of money","Children understand that different things cost different amounts","Interviewer administered:\n\nCQ5; CQ6: Which of these do you think costs more?",0,"Y-CQ5 & CQ6",{"$f":"Questions!D113","v":111}]
[null,"Understanding money management","CYP know how to keep track of their money and set and stick to a budget","Children know roughly how much money they have and can keep track of their money & spending using simple financial records (eg. counting the money in a money box)","Parent proxy\n\nIs your child able to keep track of their money e.g. by counting the money in their money box?\n1.Yes\n2. No\n3. My child does not have their own money",0,"N",{"$f":"Questions!D114","v":112}]
[null,"Understanding money management","CYP know how to save up for things they want","Children know how to put money aside for the future","\nParent proxy\n\nDoes your child know how to save money and keep their savings safe? \n1. Yes\n2. No\n3. Don’t know\n",0,"N",{"$f":"Questions!D115","v":113}]
[null,"Understanding money management","CYP know how to save up for things they want","Children know how to put money aside for the future","Interviewer administered:\n\nSuppose you wanted something really expensive and your mum or dad says you have to save up for it. Where would you put your money until you had saved enough? ASK UNPROMPTED\nPut money in a piggy bank/money box\nPut money in a bank account\nAsk my parents to look after the money, \nOther answer\nDon't know",0,"N",{"$f":"Questions!D116","v":114}]
[null,"Understanding money management","CYP know how to save up for things they want","Children understand why saving money for something you want to buy is important","Interviewer administered:\n\nWhich one of these do you agree with most? READ OUT AND CODE ONE\n - There is no point in saving money\n - I think it’s important to save money\n\n\n You may have heard people talking about saving money for the future.   Why do you think people save money? ASK UNPROMPTED\n - To buy something that's expensive \n - Just in case they need it in the future\n - Other answer\n - Don't know",0,"N",{"$f":"Questions!D117","v":115}]
[null,"Understanding money management","CYP can apply their numeracy skills to financial issues","Children can do simple addition and subtraction in relation to money, including working out how much money they need to pay for multiple items and how much change they will get","Interviewer administered:\n\nPQ3:\n\nI want to buy this lollipop. It costs £1.50.\nWhich coins will I need to buy the lollipop?\n\nPlease click/draw a circle around the right coins \n","Y","Y-PQ3",{"$f":"Questions!D118","v":116}]
[null,"Understanding money management","CYP can apply their numeracy skills to financial issues","Children can do simple addition and subtraction in relation to money, including working out how much money they need to pay for multiple items and how much change they will get","Interviewer administered:\n\nPQ20:\n\nThe lolly costs 21p. What coins you need to pay the exact money?\n\n\nPlease click/draw a circle around the right coins",0,"Y-PQ20",{"$f":"Questions!D119","v":117}]
[null,"Understanding the role of money in society","CYP understand the different sources of money","Children know that they can get money in different ways and they understand how they get their money","Interviewer administered:\n\nPQ23: Click/draw a circle around your answer.\n\nCan you help me? What are some different ways that children can get money?\n\nPocket money\nAsk mum or dad for some money\nEarn money for doing special jobs at home",0,"Y-PQ23",{"$f":"Questions!D120","v":118}]
[null,"Understanding the role of money in society","CYP understand the different sources of money","Children understand where the money their family has comes from","Parent proxy\n\nHow often have you talked to your child about where your household income comes from?\n\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n[5. Don’t know]\n\nHow confident are you that your child understand where your household gets its money from?  \n1. Very confident\n2. Fairly confident\n3. Not very confident\n4. Not confident at all",0,"N",{"$f":"Questions!D121","v":119}]
[null,"Understanding the role of money in society","CYP understand the different sources of money","Children understand where the money their family has comes from","Interviewer administered:\n\nPQ15: Click/draw a circle around your answer.\n\nMy parents get money for the family to spend. How do you think they get the money?\n\nEarn money by going to work\nFrom the bank\nFrom the till at the shop","Y","Y-PQ15",{"$f":"Questions!D122","v":120}]
[null,"Understanding the role of money in society","CYP understand the different sources of money","Children are beginning to understand about working to earn money","Parent proxy\n\nDo you ever give your child money in exchange for work, for example if they do chores around the house?\n1. Yes\n2. No\n3. Don't know\n\nDo you think your child understands that people can earn money by working?\n1. Yes\n2. No\n3. Don't know",0,"N",{"$f":"Questions!D123","v":121}]
[null,"Understanding the role of money in society","CYP understand the different sources of money","Children are beginning to understand about working to earn money","Interviewer administered:\n\nPQ15: Click/draw a circle around your answer.\n\nMy parents get money for the family to spend. How do you think they get the money?\n\nEarn money by going to work / From the bank / From the till at the shop","Y","Y-PQ15",{"$f":"Questions!D124","v":122}]
[null,"Understanding the role of money in society","CYP understand that companies exist to make money","Children are beginning to understand that adverts (eg. in shops, online and on TV) are designed to make people buy things","Parent proxy\n\nHow often do you explain the purpose of adverts and the tactics companies use to sell more products to your child?\n1. Often\n2.Sometimes\n3 Rarely\n4.Never\n[5.Don’t know]\n\nHow confident are you that your child understands that adverts are designed to try and make people buy things?  \n1. Very confident\n2. Fairly confident\n3. Not very confident\n4. Not confident at all\n\n",0,"N",{"$f":"Questions!D125","v":123}]
[null,"Understanding the role of money in society","CYP understand that companies exist to make money","Children are beginning to understand that adverts (eg. in shops, online and on TV) are designed to make people buy things","Interviewer administered\n\nPQ17: Click/draw a circle around your answer.\n\nI asked my friends what they think adverts on TV are for. This is what they said. What do you think?\n\nTo give you a break - Yes/No\nTo be fun to watch - Yes/No\nTo make you buy things - Yes/No",0,"Y-PQ17",{"$f":"Questions!D126","v":124}]
[null,"Basic skills","CYP have good literacy skills","Children perform at age appropriate levels in standardised literacy tests","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)",0,"N",{"$f":"Questions!D128","v":126}]
[null,"Basic skills","CYP have good numeracy skills","Children perform at age appropriate levels in standardised numeracy tests","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)",0,"N",{"$f":"Questions!D129","v":127}]
[null,"Basic skills","CYP have good problem solving skills","Children can identify and understand a problem","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)",0,"N",{"$f":"Questions!D130","v":128}]
[null,"Basic skills","CYP have good problem solving skills","Children can plan ways to solve a problem","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)",0,"N",{"$f":"Questions!D131","v":129}]
[null,"Basic skills","CYP have good problem solving skills","Children can monitor progress in tackling a problem","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)",0,"N",{"$f":"Questions!D132","v":130}]
[null,"Basic skills","CYP have good problem solving skills","Children can review solutions to problems and modify them if necessary","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)",0,"N",{"$f":"Questions!D133","v":131}]

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[]
[]
[null,"Children, young people and parents Outcome Framework"]
[null,"7-11 yrs"]
[null,"Please select the first question for each indicator"]
[]
[null,"Higher level outcome","Lower level outcome","Indicator","Question",{"$f":"'2'!F8","v":"CYP \nFinCap"},"Picture \nQuestion","Question"]
[null,null,"CYP have their own regular source of money","Children receive a set amount of pocket money on a regular basis (5-7)","Where do you get your money from? \nMULTICODE OK. RANDOMISE CODES 1-6\n1. I do not get any money from my parents or other people – SC\n2. Pocket money or allowance from my parents or carers\n3. From my parents or carers as a reward for doing something\n4. Pocket money from other members of my family \n5. Birthdays, Christmas or special occasions\n6. Other (Please write in)\n\nASK ALL WITH POCKET MONEY (CODES 2 or 4 above): \nDo you receive the same amount of pocket money/allowance each week/month? \n1. Yes, the same\n2. No, it varies\n3. Don’t know","Y","N",{"$f":"Questions!D134","v":132}]
[null,"Managing your money well day-to-day",0,"Children keep their money in a safe place eg. a piggy bank, money box or purse/wallet (3-5, 5-7) and keep information about their bank accounts safe","A bank account is somewhere people can keep their money rather than keeping it at home. Credit union and building society accounts are like bank accounts, if you have a credit union or building society account you should answer yes to this question. Do you have a bank account of your own?\n\nSC\n1. Yes\n2. No\n3. I don’t know if I have one\n\n\nASK ALL  WITH MONEY (CODES 2-6 at first question): \n(IF HAVE BANK ACCOUNT INSERT [“Apart from in your bank account(s)”] Where do you keep your money?\nMC\n1. Purse or wallet\n2. Piggy bank or cash box at home\n3. My parent/carer looks after it for me\n4. Nowhere in particular (SC)\n5. Somewhere else\n6. Don’t know (SC)\n\nIF HAVE BANK ACCOUNT\nIf you have a bank account, do you have a card that you can use at a cash machine or a bank book?  You can pick one or both answers.\nI have a card \nI have a bank book\nNo, neither of these\n\nIF HAVE A BANK BOOK OR CARD\nWhere do you keep your bank card or bank book? You can pick more than one answer.\nIn my purse/wallet\nMy parents look after it\nIn a safe place at home\nSomewhere else\nI don't have a special place where I keep this/these items\n\n","Y (first Q; second Q)","N",{"$f":"Questions!D135","v":133}]
[null,"Managing your money well day-to-day",0,"Children have money saved up (5-7)","ASK ALL WITH MONEY (CODES 2-6 at first question):  \nWhen you get money, how often do you save at least some of it, [say by putting it in a piggy bank or cash box or into your bank account]?\nSELECT ONE ONLY\n1. Every time I get money\n2. Most times I get money\n3. Sometimes\n4. Never\n5. Don’t know ","Y","N",{"$f":"Questions!D136","v":134}]
[null,"Managing your money well day-to-day",0,"Children know how much money they have (including savings) and keep track of their spending","Think about all your money. Do you know how much money you have right now?:\n\n1. Yes\n2. No\n3. Don't know \n\nWhen you buy things using your money, do you keep track of how much you spend and how much you have left? \n\n1. I do this a lot\n2. I do this sometimes\n3. I rarely do this\n4. I never do this\n5. I do not have my own money to spend\n6.  Don’t Know\n",0,"N",{"$f":"Questions!D137","v":135}]
[null,"Managing your money well day-to-day",0,"Children know how much money they have (including savings) and keep track of their spending","ASK ALL WITH A BANK ACCOUNT:\nWhich of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)\n\nASK ALL WITH MONEY (CODES 2-6 at first question): \nDo you know how much money you have in total? (IF HAVE BANK ACCOUNT, including in your bank)\n1. No \n2. Yes, roughly\n3. Yes exactly\n","Y","N",{"$f":"Questions!D138","v":136}]
[null,"Managing your money well day-to-day",0,"Children make a plan for what they will spend their money on and stick to it","Do you plan what you want to buy with your money before you spend it?\n1. A lot\n2. Sometimes \n3. Never\n4. I do not have my own money to spend\n\nHow often do you stick to your plan? \n1. A lot\n2. Sometimes \n3. Never\n4. I do not plan on what to buy\n",0,"N",{"$f":"Questions!D139","v":137}]
[null,"Managing your money well day-to-day",0,"Children make choices about how to spend their money that are based on their needs and on value for money","When you have money, who usually decides what you spend it on?\nSINGLE\n\nMy parents or carers decide\nI decide\nWe both decide\nDon't know\n\nASK ALL WITH MONEY (CODES 2-6 at first question):  \nWhen you get money,  how often do you save at least some of it, [say by putting it in a piggy bank or cash box or into your bank account]?\nSELECT ONE ONLY\n1. Every time I get money\n2. Most times I get money\n3. Sometimes\n4. Never\n5. Don’t know \n\nWhen you want to buy something for yourself, how often do you...\nNever\nRarely\nSometimes\nOften\nDon't know\n... look in different places or stores to compare prices?\n …  think about whether your friends would approve of the item?\n ...  think about whether the item is good value for money?","Y","N",{"$f":"Questions!D140","v":138}]
[null,"Managing your money well day-to-day",0,"Children check they have the right change when paying for things in shops (5-7)","When you buy something in a shop, do you check if you have been given the right change ?\n1. A lot\n2. Sometimes \n3. Never\n4. I do not buy things in shops",0,"N",{"$f":"Questions!D141","v":139}]
[null,"Managing your money well day-to-day",null,"Children shop around to get the best deal","When you want to buy something for yourself, how often do you...\nNever\nRarely\nSometimes\nOften\nDon't know\n... look in different places or stores to compare prices?\n …  think about whether your friends would approve of the item?\n ...  think about whether the item is good value for money?","Y","N",{"$f":"Questions!D142","v":140}]
[null,"Managing your money well day-to-day",null,"Children save up for things they want to buy and can save over a longer time period (at least three months)","What is the longest time you have saved up for? (for example to buy something you wanted)\nSC\n1. I haven’t saved up money before\n2. Less than a week\n3. More than a week but less than month\n4. More than a month but less than a year\n5. More than a year\n6. Don’t know","Y","N",{"$f":"Questions!D143","v":141}]
[null,"Managing your money well day-to-day",null,"Children talk about money with friends and family openly","Do you talk about your money with any of the following people? \nTICK ALL THE PEOPLE YOU TALK TO ABOUT MONEY (ROTATE 1-5)\n\nI never talk about money (SC)\nFriends\nParents or carers\nTeachers\nMy brothers and sisters\nGrandparents or other family members\nDon't know (SC)","Y","N",{"$f":"Questions!D144","v":142}]
[null,"Access to and use of financial products","CYP have access to their own financial products from a young age","Children have their own bank account (at a bank, building society, credit union, etc.)","A bank account is somewhere people can keep their money rather than keeping it at home. Credit union and building society accounts are like bank accounts, if you have a credit union or building society account you should answer yes to this question. Do you have a bank account of your own?\n\nSC\n1. Yes\n2. No\n3. I don’t know if I have one\n","Y","N",{"$f":"Questions!D145","v":143}]
[null,"Access to and use of financial products","CYP are given experience of choosing their own financial products","Children are involved in the process of choosing and setting up their own bank accounts","IF HAVE BANK/B.S. ACCOUNT:\nDid your parents pick this bank account for you? \n1. Yes\n2. No\n3. Don't know\n\nDid your parents talk to you about which bank account you wanted ? \n1. Yes\n2. No\n3. Don't know",0,"N",{"$f":"Questions!D146","v":144}]
[null,"Access to and use of financial products","CYP receive advice and guidance about money as well as wider life goals","Children receive money advice and guidance from their family, teachers and other appropriate sources around money (5-7)","How often do your parents or carers teach you about money and spending?\nNever\nRarely\nSometimes\nOften\nDon't know\n\nHow often do your teachers teach you about  money and spending?\nNever\nRarely\nSometimes\nOften\nDon't know",0,"N",{"$f":"Questions!D147","v":145}]
[null,"Access to and use of financial products","CYP receive advice and guidance about money as well as wider life goals","Children receive money advice and guidance from their family, teachers and other appropriate sources around money (5-7)","If you needed advice about money, who would give useful advice? \nPlease select all that apply.  \n\nI do not ask for advice about money (SC)\nMy parents or carers \nMy friends\nMy teachers\nOther family members \nOther adults\nOnline  (for example, Youtube, Money Saving Expert)\nA bank, building society or other financial organisation \nTV programmes \nDon't know (SC)\n\nAnd who would be the most useful (SINGLE)\n\nMy parents or carers \nMy friends\nMy teachers\nOther family members \nOther adults\nOnline  (for example, Youtube, Money Saving Expert)\nA bank, building society or other financial organisation \nTV programmes \nDon't know\nNone of them would give useful advice\n\nHave you learnt about how to manage your money in school or college?\n(SINGLE)\n\nYes\nNo\nNot sure or don't remember","Y (variation to first Q)","N",{"$f":"Questions!D148","v":146}]
[null,"Exposure to family finances","CYP witness financial transactions and processes","Children regularly see money being used to pay for things in shops and online","Have you seen your parents pay for things with? \nMC\n1. Money – (i.e. notes or coins)\n2. Debit card\n3. Online account (like Paypal)\n4. Mobile phone\n5. Credit card\n6. None of the above [SC]\n7. Don’t know [SC]\n","Y","N",{"$f":"Questions!D149","v":147}]
[null,"Exposure to family finances","CYP witness financial transactions and processes","Children regularly see adults checking the balance on their current and savings accounts, and checking transactions ","Do your parent(s) check their bank accounts in any of these ways?\n1. Visiting the bank or at the ATM/cash machine    Y/N/Not sure\n2. Checking online   Y/N/Not sure\n3. Letter or statement from the bank   Y/N/Not sure\n\n[follow up for any]\nHow often do you see your parent(s) check their bank accounts?\nNever\nRarely\nSometimes\nOften\nDon't know",0,"N",{"$f":"Questions!D150","v":148}]
[null,"Exposure to family finances","CYP are involved in discussions and decisions about household spending","Children are involved when everyday household spending decisions are being taken (e.g. about the weekly shop) and trade-offs are being made (5-7)","Do you get to have a choice in?\n \n1. Family days out or holidays \n2. What to buy in the family food shop\n\n1. Yes\n2. No\n3. Don't know","Y","N",{"$f":"Questions!D151","v":149}]
[null,"Exposure to family finances","CYP are involved in discussions and decisions about household spending","Children are involved when everyday household spending decisions are being taken (e.g. about the weekly shop) and trade-offs are being made (5-7)","Here are some things that people your age have said about money. How strongly do you agree or disagree with them\nROTATE STATEMENTS\nSelect one for each row\nMy parents or carers discuss with me what we can and can’t afford to buy (11-17 only)\nI don't like it when my parents or carers say I cannot have things I see in shops\nI don’t like it when friends have things I don’t have\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know","Y","N",{"$f":"Questions!D152","v":150}]
[null,"Experience of managing your own money (and the risks that come with it)","CYP have their own regular source of money","Children receive a set amount of pocket money on a regular basis (5-7)","Where do you get your money from? \nMULTICODE OK. RANDOMISE CODES 1-6\n1. I do not get any money from my parents or other people – SC\n2. Pocket money or allowance from my parents or carers\n3. From my parents or carers as a reward for doing something\n4. Pocket money from other members of my family \n5. Birthdays, Christmas or special occasions\n6. Other (Please write in)\n\nASK ALL WITH POCKET MONEY (CODES 2 or 4 above): \nDo you receive the same amount of pocket money/allowance each week/month? \n1. Yes, the same\n2. No, it varies\n3. Don’t know","Y","N",{"$f":"Questions!D153","v":151}]
[null,"Experience of managing your own money (and the risks that come with it)","CYP have responsibility for managing their own money","Children have a place to keep their money safe (e.g. a piggy bank or purse/wallet) and are allowed to look after it themselves (5-7)","\nASK ALL WITH MONEY (CODES 2-6 at first question): \n(IF HAVE BANK ACCOUNT INSERT [“Apart from in your bank account(s)”] Where do you keep your money?\nMC\n1. Purse or wallet\n2. Piggy bank or cash box at home\n3. My parent/carer looks after it for me\n4. Nowhere in particular (SC)\n5. Somewhere else\n6. Don’t know (SC)\n\n\nASK ALL WITH A BANK ACCOUNT:\nWhich of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)","Y","N",{"$f":"Questions!D154","v":152}]
[null,"Experience of managing your own money (and the risks that come with it)","CYP have responsibility for managing their own money","Children make decisions about how to spend or save their money, supported by their parents (5-7)","ASK ALL WITH MONEY:\nWhen you have money, who usually decides whether you save any of it? \nSC\n\nMy parents or carers decide \nI decide\nWe both decide\nDon’t know\n\nWhen you have money, who usually decides what you spend it on?\nSC\n \nMy parents or carers decide\nI decide\nWe both decide\nDon’t know","Y","N",{"$f":"Questions!D155","v":153}]
[null,"Experience of managing your own money (and the risks that come with it)","CYP have responsibility for managing their own money","Children can explain the choices they make with their own money (5-7)","\nWhich one of these is most like you?\n1. I like to wait for what I really want\n2. I like to spend some, save some\n3. I like to spend, spend, spend!",0,"N",{"$f":"Questions!D156","v":154}]
[null,"Experience of managing your own money (and the risks that come with it)","CYP have experience of paying for goods and activities","Children have experience of paying for things in shops and waiting for change","When you go to shops, how often do you pay for things at the till yourself?\n1. A lot\n2. Sometimes\n3. Not very often\n3. Never, someone else pays\n\nWhat do you get when you are given 'change' at the till?\n1. Money back (as notes or coins)\n2. New clothes that you've swapped\n3. A receipt",0,"N",{"$f":"Questions!D157","v":155}]
[null,"Experience of managing your own money (and the risks that come with it)","CYP have experience of paying for goods and activities","Children have experience of paying for things online (with the support of their parents) such as apps, games or music","Have you ever paid for something online with the help of an adult, either on a website or using an app?\n1. Yes\n2. No\n",0,"N",{"$f":"Questions!D158","v":156}]
[null,"Attitudes to money management (including spending, saving and borrowing)","CYP believe it's important to manage your money well and think carefully about how you spend it","Children believe it is important to keep track of their money","How important is it to check how much money you have?\n\nVery important\nQuite important\nNot very important\nNot at all important",0,"N",{"$f":"Questions!D159","v":157}]
[null,"Attitudes to money management (including spending, saving and borrowing)","CYP believe it's important to manage your money well and think carefully about how you spend it","Children believe it is important to think carefully about what they spend their money on","\nImagine you were given £5 to spend on a school trip. Would you plan how to spend the money and then stick to that plan? For example, would you work out how much you want to spend on different things like sweets or presents.\n1. Yes, I would make a plan and stick to it\n2. Yes, I would make a plan but would be unlikely to stick to it\n3. No, I wouldn’t make a plan\n4. Don’t know","Y","N",{"$f":"Questions!D160","v":158}]
[null,"Attitudes to money management (including spending, saving and borrowing)","CYP believe it's important to manage your money well and think carefully about how you spend it","Children think it's important to shop around and look for the best deals in order to make their money go further","Imagine you were given £5 to spend on a toy. What would you do?\n\nGo to the nearest toyshop and buy it\n\nFind out where sells it for the lowest price\n\nDon't know",0,"N",{"$f":"Questions!D161","v":159}]
[null,"Attitudes to money management (including spending, saving and borrowing)","CYP think it's good to plan for the future and save up for things","Children think that saving money is an important thing to do","Imagine someone gives you £10. How much would you spend and how much would you save for later?   \n(if online) SLIDER SCALE – Save £10 to Spend £10 – use £1 increments\n(if on paper) Spend all of it; Spend more than half; Spend about half; Spend less than half; Save all of it\n","Y","N",{"$f":"Questions!D162","v":160}]
[null,"Attitudes to money management (including spending, saving and borrowing)","CYP have a cautious attitude to borrowing and debt","Children believe they should not borrow money from friends or family if they cannot pay it back","Below are some things people your age have said about borrowing money. Which one best describes how you feel about borrowing money?\n\nSINGLE\n\nI'd rather not borrow money\nBorrowing money is OK, but only if I can pay it back\nBorrowing money does not bother me at all, even if I can't afford to pay it back\nI don't know",0,"N",{"$f":"Questions!D163","v":161}]
[null,"Attitudes to money management (including spending, saving and borrowing)","CYP accept that they cannot have everything they want and that everyone has to make trade-offs with their money","Children don't get angry or upset when they're told they can't have something they want but don't need (5-7)","Here are some things that people your age have said about money. How strongly do you agree or disagree with them (5 point scale)\nROTATE STATEMENTS\nSelect one for each row\nMy parents discuss with me what we can and can’t afford to buy\nI don't like it when my parents or carers say I cannot have things I see in shops\nI don’t like it when friends have things I don’t have\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know",0,"N",{"$f":"Questions!D164","v":162}]
[null,"Attitudes to money management (including spending, saving and borrowing)","CYP accept that they cannot have everything they want and that everyone has to make trade-offs with their money","Children don't continue to ask for things after they've been told they can't have them or will have to wait for them (5-7)","Imagine you want something that is expensive.  You ask your parents to buy it for you but they say \"No\".  Here are some things other children have said they would do.  Which would you most likely do? \n\nKeep asking and hope that they will eventually say yes\nWait until a special occasion (e.g. birthday or Christmas)\nWait until I have enough money to buy it myself\nNothing, accept that I can't have it\n\n",0,"N",{"$f":"Questions!D165","v":163}]
[null,"Attitudes to money management (including spending, saving and borrowing)","CYP feel confident and in control of their financial situation","Children feel confident to manage their own money","How do you feel about these statements?\n1. 'I can decide for myself how to spend my own money'\n2. 'I can work out how much I need to save each week for something I want'\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know",0,"N",{"$f":"Questions!D166","v":164}]
[null,"Money and values","CYP do not value themselves or others by their material possessions","When making friends, material possessions are not the most important factor for children","Would you rather be friends with children who have expensive things than those who don't? \n1) Yes\n2) No\n",0,"N",{"$f":"Questions!D167","v":165}]
[null,"Money and values","CYP do not value themselves or others by their material possessions","Children do not think that their possessions are the most important thing about them","Do you think it’s important to have expensive things? \n1) No, not at all \n2) No, not really \n3) Yes, a little \n4) Yes, very much ",0,"N",{"$f":"Questions!D168","v":166}]
[null,"Money and values","CYP feel comfortable talking openly about money with friends and family","Children feel comfortable talking openly about money with friends and family (5-7)","Do you talk about your money with any of the following people? \nTICK ALL THE PEOPLE YOU TALK TO ABOUT MONEY (ROTATE 1-5)\n\nI never talk about money (SC)\nFriends\nParents or carers\nTeachers\nMy brothers and sisters\nGrandparents or other family members\nDon't know (SC)\n","Y","N",{"$f":"Questions!D170","v":168}]
[null,"Aspirations and goals","CYP aspire to be good at managing their money","Children want to be good at managing their money (5-7)","How important to you is it that…\n\nYou learn how to save and spend your money well?\n1. Very important\n2. A little important\n3. Not that important",0,"N",{"$f":"Questions!D171","v":169}]
[null,"Aspirations and goals","CYP have education and career goals","Children are thinking about the different jobs they might want to do when they're older","Do you have any idea what job you would like to have when you are older? \n1. Yes- I know exactly what I want to be\n2. I have some ideas but I am not totally decided\n3. No- I don't know what job I would like\n",0,"N",{"$f":"Questions!D172","v":170}]
[null,"Aspirations and goals","CYP have financial goals","Children have a plan for saving up a certain amount of money so that they can pay for something that they want themselves (they have a savings goal) (5-7)","Do you save money, for example at home in a money box or in a savings account? Please choose one answer.\na) Yes I save regularly\nb) Yes, but only occasionally\nc) No\n\n\nASK IF ANSWERED a, b or c for question above\nPeople save for different reasons. Which of these statements best describes why you save? Please choose one answer.\na) I’m saving because my parents or guardians say it’s a good idea\nb) I’m saving up for a specific thing I want to buy\nc) I’m saving because I want to but not towards anything in particular\nd) I’m only saving because my parents or guardians make me",0,"N",{"$f":"Questions!D173","v":171}]
[null,"General mindset","CYP have self-esteem","Children have a sense of their own value or worth","Do you think that your parents usually like to hear about your ideas? (Yes/No/Don't know)\n\nWhen you have to say things in front of teachers, do you usually feel shy? (Yes/No/Don't know)\n\nAre there lots of things about yourself you would like to change? (Yes/No/Don't know)","Y (Second and third Qs)","N",{"$f":"Questions!D174","v":172}]
[null,"General mindset","CYP have self-esteem","Children have a sense of their own value or worth","Do you think that your parents usually like to hear about your ideas? (Yes/No/Don't know)\n\nWhen you have to say things in front of teachers, do you usually feel shy? (Yes/No/Don't know)\n\nAre there lots of things about yourself you would like to change? (Yes/No/Don't know)",0,"N",{"$f":"Questions!D175","v":173}]
[null,"General mindset","CYP have self-esteem","Children have a sense of their own value or worth","Do you think that your parents usually like to hear about your ideas? (Yes/No/Don't know)\n\nWhen you have to say things in front of teachers, do you usually feel shy? (Yes/No/Don't know)\n\nAre there lots of things about yourself you would like to change? (Yes/No/Don't know)",0,"N",{"$f":"Questions!D176","v":174}]
[null,"General mindset","CYP have self-esteem","Children have a sense of their own value or worth","Do you think that your parents usually like to hear about your ideas? (Yes/No/Don't know)\n\nWhen you have to say things in front of teachers, do you usually feel shy? (Yes/No/Don't know)\n\nAre there lots of things about yourself you would like to change? (Yes/No/Don't know)",0,"N",{"$f":"Questions!D177","v":175}]
[null,"General mindset","CYP display self-control/self-regulation","Children show appropriate behaviour","I often fight with other people\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n\nI get angry quickly\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n\nI sometimes take things belonging to other people\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n\nI am generally willing to do what is asked of me (e.g. by teachers or parents)\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n\nOther people say I tell lies\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all","Y (second Q; fourth Q)","N",{"$f":"Questions!D178","v":176}]
[null,"General mindset","CYP display self-control/self-regulation","Children show appropriate behaviour","Parent proxy\n\nPlease say how true or untrue the following statements are of your child:\n{Child} Frequently fights with others \n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Is irritable or quick to get angry\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Sometimes takes/steals things from others\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Is often disobedient\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Often tells lies\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child",0,"N",{"$f":"Questions!D179","v":177}]
[null,"General mindset","CYP display self-control/self-regulation","Children show perseverance","Setbacks don’t discourage me. \nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all \n\nI finish whatever I begin. \nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all \n\nI persist (carry on) with work whether it is difficult or not. \nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all","Y (third Q)","N",{"$f":"Questions!D180","v":178}]
[null,"General mindset","CYP have self-efficacy","Children believe they can improve their abilities through personal effort","Do you usually feel that it's almost useless to try in school because most students are cleverer than you? (Yes/No/Don't know)\n\nWhen someone is very angry with you is it impossible to make him your friend again? (Yes/No/Don't know)\n\nWhen bad things happen to you it is usually someone else's fault? (Yes/No/Don't know)\n\nWhen nice things happen to you is it only good luck? (Yes/No/Don't know)","Y (fourth Q)","N",{"$f":"Questions!D181","v":179}]
[null,"Understanding financial products and concepts","CYP understand financial products, concepts and language","Children know what bank accounts are, how they work (at a simple level) and the benefits of having them","Do you know what a bank account is?\n1. Yes\n2. No\n\n\nA bank account is somewhere people can keep their money rather than keeping it at home. Credit union and building society accounts are like bank accounts, if you have a credit union or building society account you should answer yes to this question. Do you have a bank account of your own?\n\nSC\n1. Yes\n2. No\n3. I don’t know if I have one\n\nWhich of the following would you use a bank account for?\nMULTICODE\n\nSeparating your notes from your coins\nKeeping your money in a safe place\nTaking out money when you want to buy something\nWorking out where is the cheapest place to buy something\nHaving extra money added to what you save","Y","N",{"$f":"Questions!D182","v":180}]
[null,"Understanding financial products and concepts","CYP understand financial products, concepts and language","Children know what bank accounts are, how they work (at a simple level) and the benefits of having them","ASK ALL WITH A BANK ACCOUNT:\nWhich of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)\n\nASK ALL WITH A BANK/BS ACCOUNT: \nDo you know what type of bank account you have? Is it a….\nSINGLE CODE\n1. Current account\n2. Savings account\n3. I have both a current and a savings account\n4. I don’t know what type of bank account I have","Y","N",{"$f":"Questions!D183","v":181}]
[null,"Understanding financial products and concepts","CYP understand financial products, concepts and language","Children know that they can save money in different ways (e.g. in cash at home, in a savings account, etc.)","Where can you save your money?\nMC\n1. Purse or wallet\n2. Piggy bank or cash box at home\n3. My parent/carer looks after it for me\n4. Bank account (or building society or credit union account)\n5. Somewhere else\n6. Don’t know (SC)",0,"N",{"$f":"Questions!D184","v":182}]
[null,"Understanding financial products and concepts","CYP understand financial products, concepts and language","Children understand how to set up an account for their money","Which of these statements is true?\n                                                                                                   \n1. You are automatically given a bank account when you are born\n2. You or your parents have to choose and set up your own bank account\n\nTo set up a bank account which of these things do you think you would need?\n1. Name and address\n2. Date of birth\n3. Birth certificate\n4. Passport\n5. Note from your school\n6. Parents' personal details\n7. A computer/laptop/tablet\n8. A credit card\n9. Some money",0,"N",{"$f":"Questions!D185","v":183}]
[null,"Understanding financial products and concepts","CYP understand financial products, concepts and language","Children understand that if you borrow money you have to pay it back","When you 'borrow' money, do you…\n\n1. Keep it, it's for you\n2. Forget about it for now\n3. Pay it back, as soon as you can",0,"N",{"$f":"Questions!D186","v":184}]
[null,"Understanding financial products and concepts","CYP understand financial products, concepts and language","Children understand that borrowing money and not being able to pay it back can have negative consequences","Do you agree or disagree with the following statements?                      \n  \n1. Borrowing money is OK as long as you pay bits back regularly\n2. I could get into trouble if I borrowed lots of money\n3. If you borrow money and do not pay it back nothing will happen\n4. Borrowing money and not paying it back means people might not trust you in the future\n\nAgree\nDisagree\n\n",0,"N",{"$f":"Questions!D187","v":185}]
[null,"Understanding financial products and concepts","CYP understand financial products, concepts and language","Children understand what interest is, and how it can be added to money that people save or borrow","Can you pick the description that best fits these words?\n\nInterest\nTax\n\nThe money that is added to savings by banks or building societies\nThe money people pay to government\nThe money you get when you retire from working\nThe amount you have in your bank account\n\n\n\nDON'T KNOW","Y","N",{"$f":"Questions!D188","v":186}]
[null,"Understanding financial products and concepts","CYP understand financial products, concepts and language","Children understand that you can pay for things in different ways (eg. cash, debit card, mobile, etc.) (5-7)","Have you seen your parents pay for things with? \nMC\n1. Money – (i.e. notes or coins)\n2. Debit card\n3. Online account (e.g. Paypal)\n4. Mobile phone\n5. Credit card\n6. None of the above [SC]\n7. Don’t know [SC]\n","Y","N",{"$f":"Questions!D189","v":187}]
[null,"Understanding financial products and concepts","CYP understand how to choose financial products that meet their needs","Children are beginning to understand the basic things they need to think about when choosing between different accounts (eg. interest rates, how quickly and easily they can access the money, different account features etc.)","Which of these things should you think about when choosing a bank account?\nTick all that apply\n\n1. Having a bank card\n2. Picture on bank card\n3. How easy it is to get to the bank\n4. Whether my friends use the same bank\n5. Whether my parents use the same bank\n6. Whether you can take money out straightaway or you have to wait\n7. Special offers (e.g. free tickets/toy/piggy bank)\n8. Other (please write in)",0,"N",{"$f":"Questions!D190","v":188}]
[null,"Understanding money management","CYP understand the value of money","Children understand that money is limited, and that they might not be able to have everything they want or need (5-7)","I don't spend money on things if I think I might need the money for something else (agree or disagree).\n\n\n\nFamilies have different things to spend their money on.   Which of the following do you think are essential and which are nice to have but only if you or family can afford it.  \n                                                \nHeating\nFood\nSweets\nTelevision\nSchool shoes\nElectricity\nExpensive trainers\nWinter coat\nTrip to the cinema\nGames console (e.g. Wii, xbox)\n\nEssential\nNice to have if can afford it",0,"N",{"$f":"Questions!D192","v":190}]
[null,"Understanding money management","CYP understand the value of money","Children can make spending decisions appropriate to their age based on their needs and priorities","When you have money, who usually decides what you spend it on?\nSINGLE\n\nMy parents or carers decide\nI decide\nWe both decide\nDon't know\n\nASK ALL WITH MONEY (CODES 2-6 at first question):  \nWhen you get money,  how often do you save at least some of it, [say by putting it in a piggy bank or cash box or into your bank account]?\nSELECT ONE ONLY\n1. Every time I get money\n2. Most times I get money\n3. Sometimes\n4. Never\n5. Don’t know \n\nWhen you want to buy something for yourself, how often do you...\nNever\nRarely\nSometimes\nOften\nDon't know\n... look in different places or stores to compare prices?\n …  think about whether your friends would approve of the item?\n ...  think about whether the item is good value for money?","Y","N",{"$f":"Questions!D193","v":191}]
[null,"Understanding money management","CYP understand the value of money","Children understand that services like electricity, phones and the internet cost money","Which of the following cost your parents money?  (please select all that apply)\n1. Going to the park             Yes   No   Don’t know\n2. Electricity  in your home  Yes   No   Don’t know\n3. Going to an NHS doctor  Yes   No   Don’t know\n4. Going to a library              Yes   No   Don’t know\n5. Making phone calls          Yes   No   Don’t know\n6. Water that comes out of taps in your home   Yes   No   Don’t know\n","Y (modified form)","N",{"$f":"Questions!D194","v":192}]
[null,"Understanding money management","CYP understand the value of money","Children understand that there is a difference between 'price' and 'value' and that some things are better value than others","A packet of chocolate biscuits costs £1 in one shop.  In another shop they have five packets of the same chocolate biscuits on sale for £3.  \n\nWhich shop sells the biscuits at the best value?\nFirst\nSecond\nDon't know\n\n",0,"N",{"$f":"Questions!D195","v":193}]
[null,"Understanding money management","CYP understand the value of money","Children understand how to shop around to get the best value for money, and why this is important","Imagine you want a bike and your mum or dad offers to buy you a new one.  What do you think your mum or dad should do?\n\n - Go to your local bike shop and buy the one which you like the best\n - Go to two or three different bike shops and look at the prices of different bicycles, before deciding which one to buy\n",0,"N",{"$f":"Questions!D196","v":194}]
[null,"Understanding money management","CYP know how to keep track of their money, and set and stick to a budget","Children know roughly how much money they have and can keep track of their money & spending using simple financial records (e.g. counting the money in a money box and writing down what they have and spend, checking their bank statements, etc.)","ASK ALL WITH A BANK ACCOUNT:\nWhich of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)\n\nASK ALL WITH MONEY (CODES 2-6 at first question): \nDo you know how much money you have in total? (IF HAVE BANK ACCOUNT INSERT [“including in your bank”])\nSC\n1. No \n2. Yes, roughly\n3. Yes exactly","Y","N",{"$f":"Questions!D197","v":195}]
[null,"Understanding money management","CYP know how to keep track of their money, and set and stick to a budget","Children know roughly how much money they have and can keep track of their money & spending using simple financial records (e.g. counting the money in a money box and writing down what they have and spend, checking their bank statements, etc.)","When you buy things using your money, do you keep track of how much you spend and how much you have left? \n\n1. I do this a lot\n2. I do this sometimes\n3. I rarely do this\n4. I never do this\n5. I do not have my own money to spend\n6.  Don’t Know\n",0,"N",{"$f":"Questions!D198","v":196}]
[null,"Understanding money management","CYP know how to keep track of their money, and set and stick to a budget","Children know how to check a bank balance and read a bank statement","BSQ: Looking at this example of a bank statement, how much money was in the account at the end of February?\n\nDon't know","Y","Y-BSQ",{"$f":"Questions!D199","v":197}]
[null,"Understanding money management","CYP know how to keep track of their money, and set and stick to a budget","Children know they need to keep information about their accounts safe","Alfie and Helen both decide to put their money in a bank account.  They are both given a bank book with information about their account.\n\nAlfie keeps his bank book in his school bag so he can find it easily.  Helenkeeps hers in safe place at home.  Who do you agree with most, Alfie or Helen?\n\nAlfie\nHelen\nNeither/don't know\n",0,"N",{"$f":"Questions!D200","v":198}]
[null,"Understanding money management","CYP know how to save up for things they want and why it is good to save","Children know how to make deposits into an account","ASK ALL WITH A BANK ACCOUNT:\nWhich of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)","Y","N",{"$f":"Questions!D201","v":199}]
[null,"Understanding money management","CYP know how to save up for things they want and why it is good to save","Children understand why saving money for something you want to buy is important ","A. Do you save money, for example at home in a money box or in a savings account? Please choose one answer.\na) Yes I save regularly\nb) Yes, but only occasionally\nc) No\n\n\nASK IF ANSWERED a or b for A\nPeople save for different reasons. Which of these statements best describes why you save? Please choose one answer.\na) I’m saving because my parents or guardians say it’s a good idea\nb) I’m saving up for a specific thing I want to buy\nc) I’m saving because I want to but not towards anything in particular\nd) I’m only saving because my parents or guardians make me\n",0,"N",{"$f":"Questions!D202","v":200}]
[null,"Understanding money management","CYP know how to save up for things they want and why it is good to save","Children know how to put money aside for the future (5-7)","Where can you save your money?\nMC\n1. Purse or wallet\n2. Piggy bank or cash box at home\n3. My parent/carer looks after it for me\n4. Bank account (or building society or credit union account)\n5. Somewhere else\n6. Don’t know (SC)",0,"N",{"$f":"Questions!D203","v":201}]
[null,"Understanding money management","CYP can apply their numeracy skills to financial issues","Children can calculate what interest they would be paid or would owe if they saved or borrowed money","Suppose you put £100 into a savings account with a guaranteed interest rate of 2% per year. You don’t make any further payments into this account and you don’t withdraw any money.\nHow much would be in the account at the end of the first year, once the interest payment is made?   \nENTER AMOUNT\n Don’t know",0,"N",{"$f":"Questions!D204","v":202}]
[null,"Understanding money management","CYP can apply their numeracy skills to financial issues","Children can work out how long they will need to save for to be able to buy something if they are saving a set amount a week","Greg gets £5 a week pocket money. How long would it take Greg to save up his pocket money to buy a book that costs £25?\n",0,"N",{"$f":"Questions!D205","v":203}]
[null,"Understanding the role of money in society","CYP understand the different sources of money","Children understand the different sources that people get their money from in adulthood","How do you think adults get the money they spend? \n\nEarn money by going to work\nFrom the pocket money they saved up\nFrom the Government/from benfits\nFrom going to the shops",0,"N",{"$f":"Questions!D206","v":204}]
[null,"Understanding the role of money in society","CYP understand the different sources of money","Children understand that there are a range of jobs and that different jobs pay different amounts (including some that are unpaid)","Please say whether you think this is true or not true.\n\n\nThe amount of money adults get from working is the same for all jobs\n1. True\n2. Not true\n",0,"N",{"$f":"Questions!D207","v":205}]
[null,"Understanding the role of money in society","CYP understand the different sources of money","Children understand that the choices they make around school and work will affect the amount of money they have when they're older","Which of these statements is true?\n                                                                                                   \n1. Children who do well at school will find it easier to get well-paid jobs when they grow up\n2. It doesn't matter how well you do at school, you will find a well-paid job if you look hard",0,"N",{"$f":"Questions!D208","v":206}]
[null,"Understanding the role of money in society","CYP understand that companies exist to make money","Children understand that adverts (e.g. in shops, online and on TV) are designed to make people buy things","What are adverts for?\n\nTo tell you about things you need\nTo make you buy things\nTo entertain you\nTo teach you new songs\nTo give you a break from watching something\n",0,"N",{"$f":"Questions!D209","v":207}]
[null,"Understanding the role of money in society","CYP understand that companies exist to make money","Children understand that companies exist to make money","Which of the following things do you think are most important to companies like shops?\n\nTo sell things\nTo help people\nTo make money/to make  profit\nTo make sure people don't spend too much money\nTo be easy to get to\nTo be open seven days a week",0,"N",{"$f":"Questions!D210","v":208}]
[null,"Understanding the role of money in society","CYP understand that taxes are collected and what they are used for","Children understand that the Government takes money taken from people's earnings to pay for things we all need (e.g. schools, hospitals and rubbish collection)","Can you pick the description that best fits these words?\n\nInterest\nTax\n\nThe money that is added to savings by banks or building societies\nThe money people pay to government\nThe money you get when you retire from working\nThe amount you have in your bank account\n\nDON'T KNOW\n\n\nTax is money that the Government takes from the money that people earn. What is tax for?\n\nTo pay for things like hospitals and roads\nTo make sure people don't earn too much\nTo pay for lottery prizes\nTo pay for police and schools\nTo pay for supermarkets","Y","N",{"$f":"Questions!D211","v":209}]
[null,"Basic skills","CYP have good literacy skills","Children perform at age appropriate levels in standardised literacy tests","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)",0,"N",{"$f":"Questions!D214","v":212}]
[null,"Basic skills","CYP have good numeracy skills","Children perform at age appropriate levels in standardised numeracy tests","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)",0,"N",{"$f":"Questions!D215","v":213}]
[null,"Basic skills","CYP have good problem solving skills","Children can identify and understand a problem","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)",0,"N",{"$f":"Questions!D216","v":214}]
[null,"Basic skills","CYP have good problem solving skills","Children can plan ways to solve a problem","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)",0,"N",{"$f":"Questions!D217","v":215}]
[null,"Basic skills","CYP have good problem solving skills","Children can monitor progress in tackling a problem","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)",0,"N",{"$f":"Questions!D218","v":216}]
[null,"Basic skills","CYP have good problem solving skills","Children can review solutions to problems and modify them if necessary","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)",0,"N",{"$f":"Questions!D219","v":217}]

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[]
[]
[]
[null,"Children, young people and parents Outcome Framework"]
[null,"11-14 yrs"]
[null,"Please select the first question for each indicator"]
[]
[null,"Higher level outcome","Lower level outcome","Indicator","Question",{"$f":"'3'!F8","v":"CYP \nFinCap"},"Picture \nQuestion","Question"]
[null,null,"CYP have their own regular source of money","Young people receive a set amount of pocket money or allowance on a regular basis (5-7, 7-11)","Where do you get your money from? \nMULTICODE OK. RANDOMISE CODES 1-6\n1. I do not get any money from my parents or other people – SC\n2. Pocket money or allowance from my parents or carers\n3. From my parents or carers as a reward for doing something\n4. Pocket money from other members of my family \n5. Birthdays, Christmas or special occasions\n6. Other (Please write in)\n\nASK ALL WITH POCKET MONEY (CODES 2 and 4 above): \nDo you receive the same amount of pocket money/allowance each week/month? \n1. Yes, the same\n2. No, it varies\n3. Don’t know","Y","N",{"$f":"Questions!D220","v":218}]
[null,"Managing your money well day-to-day",null,"Young people keep their money in a safe place and keep information about their current and savings accounts safe (7-11)","A bank account is somewhere people can keep their money rather than keeping it at home. Credit union and building society accounts are like bank accounts, if you have a credit union or building society account you should answer yes to this question. Do you have a bank account of your own?\n\nSC\n1. Yes\n2. No\n3. I don’t know if I have one\n\n\nASK ALL WITH MONEY (CODES 2-6 at first question): \n(IF HAVE BANK ACCOUNT INSERT [“Apart from in your bank account(s)”] Where do you keep your money?\nMC\n1. Purse or wallet\n2. Piggy bank or cash box at home\n3. My parent/carer looks after it for me\n4. Nowhere in particular (SC)\n5. Somewhere else\n6. Don’t know (SC)\n\nIF HAVE BANK ACCOUNT\nB,.Do you have any of the following wth your bank account? Pick all that apply\nPlastic card\nPIN (number)\nBank book\nAbility to access your account online\nNone of these\n\nIF HAVE A BANK BOOK OR CARD\nC.Where do you keep your bank card or bank book? You can pick more than one answer.\nIn my purse/wallet\nMy parents keep it\nIn a safe place at home\nSomewhere else\nI don't have a special place where I keep this/these items\n\nIF HAVE A PIN NUMBER\nD.Do you keep your PIN number written down so you remember it?  You can pick all that apply\nYes, in my purse/wallet\nYes, at home\nYes, stored on a computer, tablet or phone\nNo, I just remember it in my head \nI don't use my PIN number/I have forgotten it\n\nIF HAVE AN ONLINE ACCOUNT\nE. Do you keep your online bank account login details written down so you remember them? You can pick all that apply\nYes, in my purse/wallet\nYes, at home\nYes, stored on a computer, tablet or phone\nNo, I just remember it in my head \nI don't use my online bank account/I have forgotten how to log in\n","Y (first Q; second Q)","N",{"$f":"Questions!D221","v":219}]
[null,"Managing your money well day-to-day",null,"Young people have money saved up (5-7, 7-11)","ASK ALL WITH MONEY (CODES 2-6 at first question): \nDo you know how much money you have in total? (IF HAVE BANK ACCOUNT INSERT [“including in your bank”])\nSC\n1. No \n2. Yes, roughly\n3. Yes exactly\n\n\nASK ALL WITH MONEY (CODES 1-6 at first question):  \nWhen you get money, how often do you save at least some of it, [say by putting it in a piggy bank or cash box or into your bank account]?\nSELECT ONE ONLY\n1. Every time I get money\n2. Most times I get money\n3. Sometimes\n4. Never\n5. Don’t know","Y","N",{"$f":"Questions!D222","v":220}]
[null,"Managing your money well day-to-day",null,"Young people know how much money they have (Including savings) and keep track of their spending, including by checking bank statements / online banking","ASK ALL WITH A BANK ACCOUNT:\nWhich of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)\n\nASK ALL WITH MONEY (CODES 2-6 at first question): \nDo you know how much money you have in total? (IF HAVE BANK ACCOUNT, including in your bank)\n1. No \n2. Yes, roughly\n3. Yes exactly\n\nHow do you keep track of the money you get and the money you spend?\nMULTI\n\nOnline budgeting tool\nOnline bank account\nSpreadsheet\nPiece of paper\nIn my head (mentally)\nChecking my bank balance at a cash machine\nReviewing my bank statements\nOn a mobile app\nI don't keep track\nDon't know","Y","N",{"$f":"Questions!D223","v":221}]
[null,"Managing your money well day-to-day",null,"Young people set themselves a budget that's appropriate and realistic for their circumstances and stick to it","\nDo you ever make a plan on how you will spend and save your money? For example by setting yourself a budget.\nCHOOSE ONE ONLY\n1. Yes\n2. No\n\n{If yes}\nAnd, how often do you keep to your plan or budget?\nCHOOSE ONE ONLY\nNever\nRarely\nSometimes\nOften\nDon't know",0,"N",{"$f":"Questions!D224","v":222}]
[null,"Managing your money well day-to-day",null,"Young people make choices about how to spend their money that are based on their needs and on value for money","When you want to buy something for yourself, how often... \n\nNever\nRarely\nSometimes\nOften\nDon't know\n\n...  do you think about whether your friends would approve of the item?\n...  do think about how much money you will have left to spend on other things?\n...  do think about how attractive or cool the item is?\n...  do think about how long the item will last?\n...  do think about whether the item is good value for money?\n... do you think about whether you should save your money for another day?","Y (some options)","N",{"$f":"Questions!D225","v":223}]
[null,"Managing your money well day-to-day",null,"Young people shop around to get the best deal (7-11)","When you want to buy something for yourself, how often... do  you look in different places or stores to compare prices?\nNever\nRarely\nSometimes\nOften\nDon't know","Y (some options)","N",{"$f":"Questions!D226","v":224}]
[null,"Managing your money well day-to-day",null,"Young people save up for things they want to buy and can save over a longer time period (at least 6 months)","What is the longest time you have saved up for? (for example to buy something you wanted)\nSC\n1. I haven’t saved up money before\n2. Less than a week\n3. More than a week but less than month\n4. More than a month but less than a year\n5. More than a year\n6. Don’t know","Y","N",{"$f":"Questions!D227","v":225}]
[null,"Managing your money well day-to-day",null,"Young people talk about money with friends and family openly (5-7, 7-11)","Do you talk about your money with any of the following people?\n\nMULTI\n\nI never talk about money (SC)\nFriends\nParents or carers\nTeachers\nMy brothers and sisters\nGrandparents or other family members\nDon't know (SC)","Y","N",{"$f":"Questions!D228","v":226}]
[null,"Access to and use of financial products and advice","CYP have access to their own financial products from a young age","Young people have access to their own current account (at a bank, building society, credit union, etc.)","A bank account is somewhere people can keep their money rather than keeping it at home. Credit union and building society accounts are like bank accounts, if you have a credit union or building society account you should answer yes to this question. Do you have a bank account of your own?\n\nSC\n1. Yes\n2. No\n3. I don’t know if I have one\n\nASK ALL WITH A BANK/BS ACCOUNT (CODE 1 at question above): \nDo you know what type of bank account you have? Is it a….\nSINGLE CODE\n1. Current account\n2. Savings account\n3. I have both a current and a savings account\n4. I don’t know what type of bank account I have","Y","N",{"$f":"Questions!D229","v":227}]
[null,"Access to and use of financial products and advice","CYP have access to their own financial products from a young age","Young people have access to and use a debit card linked to their current account","ASK ALL WITH A BANK ACCOUNT:\nWhich of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)","Y","N",{"$f":"Questions!D230","v":228}]
[null,"Access to and use of financial products and advice","CYP have access to their own financial products from a young age","Young people have access to their own savings account (at a bank, building society, credit union, etc.)","A bank account is somewhere people can keep their money rather than keeping it at home. Credit union and building society accounts are like bank accounts, if you have a credit union or building society account you should answer yes to this question. Do you have a bank account of your own?\n\nSC\n1. Yes\n2. No\n3. I don’t know if I have one\n\nASK ALL WITH A BANK/BS ACCOUNT: \nYP2 Do you know what type of bank account you have? Is it a….\nSINGLE CODE\n1. Current account\n2. Savings account\n3. I have both a current and a savings account\n4. I don’t know what type of bank account I have","Y","N",{"$f":"Questions!D231","v":229}]
[null,"Access to and use of financial products and advice","CYP have access to their own financial products from a young age","Young people have experience of managing their bank accounts online where this is available","ASK ALL WITH A BANK ACCOUNT:\nWhich of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)","Y","N",{"$f":"Questions!D232","v":230}]
[null,"Access to and use of financial products and advice","CYP are given experience of choosing their own financial products","Young people are involved in the process of choosing and setting up their own current or savings accounts (7-11)","How involved are you in the following decisions about your money? \n(Fully involved / Partly involved / Not at all involved)\n\nChoosing my bank or savings account",0,"N",{"$f":"Questions!D233","v":231}]
[null,"Access to and use of financial products and advice","CYP are given experience of choosing their own financial products","Young people are involved in the process of choosing and setting up their own mobile phone provider and package (if they own a mobile phone)","Do you get to have a choice in?\n \nThe cost of your mobile phone call and data package \n\n1. Yes\n2. No\n3. Don't know\n4. I don’t have a mobile phone",0,"N",{"$f":"Questions!D234","v":232}]
[null,"Access to and use of financial products and advice","CYP recieve advice and guidance about money as well as wider life goals","Young people receive money advice and guidance from their family, teachers and other appropriate sources around money (3-5, 5-7, 7-11)","How often do your parents or carers teach you about  money and spending?\nNever\nRarely\nSometimes\nOften\nDon't know\n\nHow often do your teachers teach you about  money and spending?\nNever\nRarely\nSometimes\nOften\nDon't know",0,"N",{"$f":"Questions!D235","v":233}]
[null,"Access to and use of financial products and advice","CYP recieve advice and guidance about money as well as wider life goals","Young people receive money advice and guidance from their family, teachers and other appropriate sources around money (3-5, 5-7, 7-11)","If you needed advice about money, who would you ask?\n\nPlease select all that apply.\nMULTICODE ALLOWED\n\nMy parents\nMy friends\nMy teachers\nOther family members (write in)\nInternet site (write in)\nA bank, building society or other financial organisation\nTV programmes (write in)\nOther (write in)\nI do not ask for advice about money\n\nHave you learnt about how to manage your money in school or college?\n(SINGLE)\nYes\nNo\nNot sure or don't remember\n\nWhich subjects did you learn how to manage your money in?\nMULTI\n\nMaths\nPSHE\nCitizenship\nBusiness & Finance\nEnterprise\nOther (please specify)\nDon't know","Y","N",{"$f":"Questions!D236","v":234}]
[null,"Access to and use of financial products and advice","CYP recieve advice and guidance about money as well as wider life goals","Young people receive advice and guidance from their family, teachers and other appropriate sources on their education and career options","How confident are you that you know who to turn to for advice about education and careers?\n1. Very confident\n2. Fairly confident\n3. Not very confident\n4. Not at all confident\n\n\nWhich of the following people have given you advice about your education and career options. Select all that apply:\n1. Parents\n2. Siblings\n3. Other family members\n4. Friends\n5. A careers adviser or careers teacher at school\n6. Other teachers at school\n7. A Connexions personal adviser\n8. Someone else at Connexions\n9. Someone else (Please specify______)",0,"N",{"$f":"Questions!D237","v":235}]
[null,"Exposure to family finances","CYP witness financial transactions and processes","Young people regularly see adults checking the balance on their current and savings accounts, and checking transactions (5-7, 7-11) ","How often do your parents do the following in things when you are with them?\n                                        \n- Check their bank balance                           \n- Use their online banking                  \n- Check their debit or credit card statements\n- Check they were given the correct change\n\nNever\nRarely\nSometimes\nOften\nDon't know",0,"N",{"$f":"Questions!D238","v":236}]
[null,"Exposure to family finances","CYP are involved in discussions and decisions about household spending","Young people are involved when everyday household spending decisions are being taken (e.g. about the weekly shop) and trade-offs are being made (5-7, 7-11)","Do you get to have a choice in?\n \n1. Family days out or holidays \n2. What to buy in the family food shop\n\n1. Yes\n2. No\n3. Don't know\n\n\n","Y","N",{"$f":"Questions!D239","v":237}]
[null,"Exposure to family finances","CYP are involved in discussions and decisions about household spending","Young people are involved when everyday household spending decisions are being taken (e.g. about the weekly shop) and trade-offs are being made (5-7, 7-11)","Here are some things that people your age have said about money. How strongly do you agree or disagree with them\nROTATE STATEMENTS\nSelect one for each row\nMy parents or carers discuss with me what we can and can’t afford to buy (11-17 only)\nI don't like it when my parents or carers say I cannot have things I see in shops\nI don’t like it when friends have things I don’t have\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know \n","Y","N",{"$f":"Questions!D240","v":238}]
[null,"Experience of managing your own money (and the risks that come with it)","CYP have their own regular source of money","Young people receive a set amount of pocket money or allowance on a regular basis (5-7, 7-11)","Where do you get your money from? \nMULTICODE OK. RANDOMISE CODES 1-6\n1. I do not get any money from my parents or other people – SC\n2. Pocket money or allowance from my parents or carers\n3. From my parents or carers as a reward for doing something\n4. Pocket money from other members of my family \n5. Birthdays, Christmas or special occasions\n6. Other (Please write in)\n\nASK ALL 7-17 YEAR OLDS WITH POCKET MONEY (CODES 1 at CYP2): \nCYP3 Do you receive the same amount of pocket money/allowance each week/month? \n1. Yes, the same\n2. No, it varies\n3. Don’t know\n\n\n","Y","N",{"$f":"Questions!D241","v":239}]
[null,"Experience of managing your own money (and the risks that come with it)","CYP have responsibility for managing their own money","Young people look after their money themselves","IF HAVE BANK ACCOUNT:\nA: Can you take money out of your bank account without your parents' permission? Y/N\n\nB: Do your parents control the amount of money you take out of your bank account? Y/N\n\nIF DO NOT HAVE BANK ACCOUNT\nC: Can you spend your own money without your parents' permission? Y/N\n\nD: Do your parents control the amount of money you spend? Y/N",0,"N",{"$f":"Questions!D242","v":240}]
[null,"Experience of managing your own money (and the risks that come with it)","CYP have responsibility for managing their own money","Young people make their own decisions about how to spend or save their money","When you have money, who usually decides whether you save any of it? \nSC\n\nMy parents or carers decide \nI decide\nWe both decide\nDon’t know\n\nWhen you have money, who usually decides what you spend it on?\nSC\n \nMy parents or carers decide\nI decide\nWe both decide\nDon’t know","Y","N",{"$f":"Questions!D243","v":241}]
[null,"Experience of managing your own money (and the risks that come with it)","CYP have responsibility for managing their own money","Young people are given responsibility for paying for some of the things they need out of their pocket money or allowance, e.g. mobile phone, travel or toiletries","Do you have to pay for any of the following things out of your pocket money or allowance?\n\nNon-school clothes & shoes\nToiletries & cosmetics\nSnacks or sweets\nPresents for other people\nToys or games or gadgets\nGoing out with your friends\n\nNo - my parents pay for this for me\nYes - I sometimes pay for this from my own money\nYes - I mainly pay for this from my own money","Y (amended version)","N",{"$f":"Questions!D244","v":242}]
[null,"Experience of managing your own money (and the risks that come with it)","CYP have experience of paying for goods and activities","Young people pay for things online (where able to) with their own money (such as apps, games or music) without supervision","Have you ever bought something online by yourself?\n\nYes\nNo\nDon't know\n\nWhich of the following methods have you used to pay for things online?\n\nCash\nDebit card\nCredit card\nVoucher for an online shop\nOnline account (e.g. Paypal)\nOther (specify)\nI don't know how I paid for things online\nI don't pay for things online",0,"N",{"$f":"Questions!D245","v":243}]
[null,"Attitudes to money management (including spending, saving and borrowing)","CYP believe it's important to manage your money well and think carefully about how you spend it","Young people believe it is important to keep track of their money (7-11)","How important is it to check how much money you have?\n\nVery important\nQuite important\nNot very important\nNot at all important",0,"N",{"$f":"Questions!D246","v":244}]
[null,"Attitudes to money management (including spending, saving and borrowing)","CYP believe it's important to manage your money well and think carefully about how you spend it","Young people believe it is important to think carefully about what they spend their money on (7-11)","Imagine you were given £5 to spend on a school trip. Would you plan how to spend the money and then stick to that plan? For example, would you work out how much you want to spend on different things like sweets or presents.\n1. Yes, I would make a plan and stick to it\n2. Yes, I would make a plan but would be unlikely to stick to it\n3. No, I wouldn’t make a plan\n4. Don’t know","Y","N",{"$f":"Questions!D247","v":245}]
[null,"Attitudes to money management (including spending, saving and borrowing)","CYP believe it's important to manage your money well and think carefully about how you spend it","Young people think it's important to shop around for things that they need  and look for the best deals in order to make their money go further (7-11)","\nImagine you need to buy a present. What do you do?\n\nGo to the nearest shop and buy the thing you want\nLook around a few different shops to see where it is cheapest\nLook online to find the cheapest price\nSomething else\nDon't know",0,"N",{"$f":"Questions!D248","v":246}]
[null,"Attitudes to money management (including spending, saving and borrowing)","CYP think it's good to plan for the future and save up for things","Young people think that saving money for larger purchases is an important thing to do","Imagine you want to buy something expensive. How would you get the money?\n\nI would save some money every week or month for it\nI would borrow money from my friends or family\nMy parents or guardian would pay for it\nSomeone else in my family would pay for it\nI would just not buy it\nOther\nDon't know",0,"N",{"$f":"Questions!D249","v":247}]
[null,"Attitudes to money management (including spending, saving and borrowing)","CYP think it's good to plan for the future and save up for things","Young people think it's important for them to save for the future","How important do you think it is for you to save-up your money for the future in general?\n1. Very important\n2. Quite important\n3. Not that important \n4. Not important at all \n\nOR\n\n1. Very important\n2. Fairly important\n3. Neither important not unimportant\n4. Fairly unimportant\n5. Very unimportant",0,"N",{"$f":"Questions!D250","v":248}]
[null,"Attitudes to money management (including spending, saving and borrowing)","CYP think it's good to plan for the future and save up for things","Young people think it's important for them to save for the future","Imagine someone gives you £10. How much would you spend and how much would you save for later?   \n(if online) SLIDER SCALE – Save £10 to Spend £10 – use £1 increments\n(if on paper) Spend all of it; Spend more than half; Spend about half; Spend less than half; Save all of it","Y","N",{"$f":"Questions!D251","v":249}]
[null,"Attitudes to money management (including spending, saving and borrowing)","CYP have a cautious attitude to borrowing and debt","Young people believe they should not borrow money from friends or family if they cannot pay it back (7-11)","Below are some things people your age have said about borrowing money. Which one best describes how you feel about borrowing money?\n\nSINGLE\n\nI'd rather not borrow money\nBorrowing money is OK, but only if I can pay it back\nBorrowing money does not bother me at all, even if I can't afford to pay it back\nI don't know","Y","N",{"$f":"Questions!D252","v":250}]
[null,"Attitudes to money management (including spending, saving and borrowing)","CYP accept that they cannot have everything they want and that everyone has to make trade-offs with their money","Young people don't get angry or upset when they can't have something they want but don't need (5-7, 7-11)","Here are some things that people your age have said about money. How strongly do you agree or disagree with them\nROTATE STATEMENTS\nSelect one for each row\nMy parents discuss with me what we can and can’t afford to buy (11-17 only)\nI don't like it when my parents or carers say I cannot have things I see in shops\nI don’t like it when friends have things I don’t have\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know\n","Y","N",{"$f":"Questions!D253","v":251}]
[null,"Attitudes to money management (including spending, saving and borrowing)","CYP accept that they cannot have everything they want and that everyone has to make trade-offs with their money","Young people don't continue to ask for things after they've been told they can't have them, or that they will have to wait for them","Imagine you want something that is expensive.  You ask your parents to buy it for you but they say \"No\".  Here are some things other young people have said they would do.  Which would you most likely do? \n\nKeep asking and hope that they will eventually say yes\nWait until a special occasion (e.g. birthday or Christmas)\nWait until I have enough money to buy it myself\nNothing, accept that I can't have it",0,"N",{"$f":"Questions!D254","v":252}]
[null,"Attitudes to money management (including spending, saving and borrowing)","CYP feel confident and in control of their financial situation","Young people feel confident to manage their own money (7-11)","How confident do you feel 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'","Y","N",{"$f":"Questions!D255","v":253}]
[null,"Attitudes to money management (including spending, saving and borrowing)","CYP feel confident and in control of their financial situation","Young people believe that they can influence and improve their own financial situation through the choices they make","To what extent do you agree or disagree with the following\n\nNothing I do will make much difference to my money situation (11+)\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know","Y","N",{"$f":"Questions!D256","v":254}]
[null,"Money and values","CYP do not value themelves or others by their material possessions","When making friends, material possessions are not the most important factor for young people (7-11)","Which of the following things would you look for in a new friend?:\n1. Whether they are clever\n2. Whether they are cool or attractive\n3. Whether they own cool things\n4. Whether they are funny\n5. Whether they have the same hobbies as you\n6. Whether they are rich\n7. None of the above\n ",0,"N",{"$f":"Questions!D257","v":255}]
[null,"Money and values","CYP do not value themelves or others by their material possessions","Young people do not think that their possessions are the most important thing about them (7-11)","How important are each of the following to you (use importance scale listed above):\n1. Being popular at school\n2. Doing well in your school work\n3. Being viewed as cool or attractive\n4. Owning cool things\n5. Getting on well with your friends\n6. Getting on well with you family\n7. Being good at managing your money",0,"N",{"$f":"Questions!D258","v":256}]
[null,"Money and values","CYP feel comfortable talking openly about money with friends and family","Young people feel comfortable talking openly about money with friends and family (5-7, 7-11)","Do you talk about your money with any of the following people?\n\nMULTI\n\nI never talk about money (SC)\nFriends\nParents or carers\nTeachers\nMy brothers and sisters\nGrandparents or other family members\nDon't know (SC)","Y","N",{"$f":"Questions!D260","v":258}]
[null,"Aspirations and goals","CYP aspire to be good at managing their money","Young people want to be good at managing their money (5-7, 7-11)","How important are each of the following to you (use importance scale listed above):\n1. Being popular at school\n2. Doing well in your school work\n3. Being viewed as cool or attractive\n4. Owning cool things\n5. Getting on well with your friends\n6. Getting on well with you family\n7. Being good at managing your money",0,"N",{"$f":"Questions!D261","v":259}]
[null,"Aspirations and goals","CYP have educational and career goals","Young people have goals around the education and qualifications they want to achieve ","Which, if any, of the following goals would you like to achieve in the next 5 years?\n\nMULTICODE\n\nNothing, I have no goals for the next 5 years (SC)\nGet into university\nGo travelling\nGet a secure job when I leave education\nMove out of parents' home\nGet my own car\nNot rely on my parents for money\nGo on holiday with my friends\nStay in education past the age of 16 (11-15)\nGet good grades in my homework\nMake it into a sports team or music group or drama production\nStay in education (11-14)\nI have other goals I would like to achieve","Y","N",{"$f":"Questions!D262","v":260}]
[null,"Aspirations and goals","CYP have educational and career goals","Young people are starting to have goals around the job they want to do when they're older","Do you have any idea what job you would like to have when you are older? \n1. Yes- I know exactly what I want to be\n2. I have some ideas but I am not 100% decided\n3. No- I don't know what job I would like\n\n{If 1 or 2 above} How likely are you to get the type of job you would like in the future?\n1. Very likely\n2. Somewhat likely\n3. Not very likely\n4. Not at all likely",0,"N",{"$f":"Questions!D263","v":261}]
[null,"Aspirations and goals","CYP have financial goals","Young people aspire to earn their own money rather than rely on others for money","Do you agree or disagree with the following statements?\n                                                       Agree                    Disagree\n\n1. It's important to earn your own money\n2. I would like to be able to pay my own way as soon as I'm old enough\n3. It's fine to not earn money because others will make sure you have enough to get by\n4. I'm looking forward to having a job and my own money\n5. It's a good idea to get a part-time job when you are old enough to earn money rather than relying on your parents",0,"N",{"$f":"Questions!D264","v":262}]
[null,"Aspirations and goals","CYP have financial goals","Young people have a plan for saving up a certain amount of money so that they can pay for something that they want themselves (they have a savings goal) (5-7, 7-11)","Do you save money, for example at home in a money box or in a savings account? Please choose one answer.\na) Yes I save regularly\nb) Yes, but only occasionally\nc) No\n\n\nASK IF ANSWERED a or b for question above:\nPeople save for different reasons. Which of these statements best describes why you save? Please choose one answer.\na) I’m saving because my parents or guardians say it’s a good idea\nb) I’m saving up for a specific thing I want to buy\nc) I’m saving because I want to but not towards anything in particular\nd) I’m only saving because my parents or guardians make me",0,"N",{"$f":"Questions!D265","v":263}]
[null,"General mindset","CYP have self-esteem","Young people have a sense of their own value or worth","Do you think that your parents usually like to hear about your ideas? (Yes/No/Don't know)\n\nWhen you have to say things in front of teachers, do you usually feel shy? (Yes/No/Don't know)\n\nAre there lots of things about yourself you would like to change? (Yes/No/Don't know)\n\nI have high self-esteem (7 point scale from Not very true of me to Very true of me)","Y (second Q; third Q; fourth Q)","N",{"$f":"Questions!D266","v":264}]
[null,"General mindset","CYP display self-control/self-regulation","Children show appropriate behaviour","I often fight with other people\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n\nI get angry quickly\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n\nI sometimes take things belonging to other people\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n\nI am generally willing to do what is asked of me (e.g. by teachers or parents)\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n\nOther people say I tell lies\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all","Y (second Q; fourth Q)","N",{"$f":"Questions!D270","v":268}]
[null,"General mindset","CYP display self-control/self-regulation","Children show appropriate behaviour","Parent-report items\n\nPlease say how true or untrue the following statements are of your child:\n{Child} Frequently fights with others \n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Is irritable or quick to get angry\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Sometimes takes/steals things from others\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Is often disobedient\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Often tells lies\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n","Y (second Q; fourth Q)","N",{"$f":"Questions!D271","v":269}]
[null,"General mindset","CYP display self-control/self-regulation","Children show perseverance","Setbacks don’t discourage me. \nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all \n\nI finish whatever I begin. \nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all \n\nI persist (carry on) with work whether it is difficult or not. \nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n","Y (third Q)","N",{"$f":"Questions!D272","v":270}]
[null,"General mindset","CYP have self-efficacy","Young people believe they can improve their abilities through personal effort","Do you usually feel that it's almost useless to try in school because most students are cleverer than you? (Yes/No/Don't know)\n\nWhen someone is very angry with you is it impossible to make him your friend again? (Yes/No/Don't know)\n\nWhen bad things happen to you it is usually someone else's fault? (Yes/No/Don't know)\n\nWhen nice things happen to you is it only good luck? (Yes/No/Don't know)","Y (fourth Q)","N",{"$f":"Questions!D273","v":271}]
[null,"Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people know what bank accounts are, how they work and the benefits of having them","Do you know what a bank account is? (7-11)\n1. Yes\n2. No\n\n\nA bank account is somewhere people can keep their money rather than keeping it at home. Credit union and building society accounts are like bank accounts, if you have a credit union or building society account you should answer yes to this question. Do you have a bank account of your own?\n\nSC\n1. Yes\n2. No\n3. I don’t know if I have one\n\nASK ALL WITH A BANK ACCOUNT:\nWhich of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)","Y","N",{"$f":"Questions!D274","v":272}]
[null,"Understanding financial products and concepts","CYP understand financial products, concepts and language",0,"ASK ALL WITH A BANK/BS ACCOUNT: \nDo you know what type of bank account you have? Is it a….\nSINGLE CODE\n1. Current account\n2. Savings account\n3. I have both a current and a savings account\n4. I don’t know what type of bank account I have","Y","N",{"$f":"Questions!D275","v":273}]
[null,"Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people are aware of the different types of savings products available (eg. savings accounts, junior ISAs, child trust funds, etc.)","Before today, which of the following financial products had you heard of?\nCurrent account\nSavings account\nISAs\nChild trust funds or Junior ISAs\n\n\nWhich of the following do you have in your own name?\nCurrent account\nSavings account\nISAs\nChild trust funds or Junior ISAs",0,"N",{"$f":"Questions!D276","v":274}]
[null,"Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people understand how to set up a current or savings account (7-11)","Which of these statements is true?\n                                                                                                   \n1. You are automatically gi ven a bank account when you are born\n2. You or your parents have to choose and set up your own bank account\n\nTo set up a bank account which of these things do you think you would need?\n1. Name and address\n2. Date of birth\n3. Birth certificate\n4. Passport\n5. Note from your school\n6. Parents' personal details\n7. A computer/laptop/tablet\n8. A credit card\n9. Some money",0,"N",{"$f":"Questions!D277","v":275}]
[null,"Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people understand that borrowing money and not being able to pay it back can have negative consequences","Do you agree or disagree with the following statements?                      \n  \n1. Borrowing money is OK as long as you pay bits back regularly\n2. I could get into trouble if I borrowed lots of money\n3. If you borrow money and do not pay it back nothing will happen\n4. Borrowing money and not paying it back means people might not trust you in the future\n\nAgree\nDisagree\n\n","Y","N",{"$f":"Questions!D278","v":276}]
[null,"Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people understand what interest is, and how it can be added to money that people save or borrow (7-11)","Can you pick the word that best fits the description?\n\nThe amount the price of things in shops goes up by\nThe money that is added to savings by banks or building soceties\nThe money people pay to  government\nThe amount you get when you retire from working\nThe amount of money you have in your bank account\n\nInterest\nPension\nInflation\nBalance\nTax\nBenefit\nCredit\nDebit\nDon't know","Y","N",{"$f":"Questions!D279","v":277}]
[null,"Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people understand that money can grow at different rates in different places","Which of the following statements is true and which is false:\n\nIt doesn't matter what kind of savings account you have, the interest rate is the same at all banks\nThere are some accounts which will give you a higher interest rate\nIf you negotiate with the bank, you can get a higher interest rate on your savings\nAll the savings accounts within the same bank offer the same interest rate",0,"N",{"$f":"Questions!D280","v":278}]
[null,"Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people understand that you can pay for things in different ways (eg. cash, direct debit from a bank account, debit card etc) and the reasons for chosing one method over another (7-11)","Have you seen your parents pay for things with…?\nMULTI\n\nMoney (notes or coins)\nDebit card\nOnline account (like Paypal)\nMobile phone\nCredit card\nNone of these (SC)\nDon't know (SC)\n\nIs this true or false?\n\nA debit card takes money directly from your bank account, a credit card lets you borrow money and pay it back later\n\nDirect debits can take money from your bank account each month for regular bills\n\nTrue\nFalse","Y","N",{"$f":"Questions!D281","v":279}]
[null,"Understanding financial products and concepts","CYP understand how to choose financial products that meet their needs","Young people understand the things they need to think about when choosing between different current or savings accounts (e.g. interest rates, how quickly and easily they can access the money, different account features etc.)","Which of these features should you think about when choosing a bank account?\nTick all that apply\n\n1. Having a bank card\n2. Picture on bank card\n3. How easy it is to get to the bank\n4. Whether my friends use the same bank\n5. Whether my parents use the same bank\n6. Whether you can bank online or through an app\n7. Interest rate on the money in the bank account\n8. Whether you can take money out straightaway or you have to wait\n9. How much money you can take out per day\n10. Special offers (e.g. free tickets/toy/piggy bank)\n11. Other (please write in)\n",0,"N",{"$f":"Questions!D282","v":280}]
[null,"Understanding money management","CYP understand the value of money","Young people can make spending decisions appropriate to their age based on their needs and priorities","When you have money, who usually decides what you spend it on?\nSINGLE\n\nMy parents or carers decide\nI decide\nWe both decide\nDon't know\n\nASK ALL WITH MONEY (CODES 2-6 at first question):  \nWhen you get money,  how often do you save at least some of it, [say by putting it in a piggy bank or cash box or into your bank account]?\nSELECT ONE ONLY\n1. Every time I get money\n2. Most times I get money\n3. Sometimes\n4. Never\n5. Don’t know","Y","N",{"$f":"Questions!D283","v":281}]
[null,"Understanding money management","CYP understand the value of money","Young people can make spending decisions appropriate to their age based on their needs and priorities","When you want to buy something for yourself, how often do you...\nNever\nRarely\nSometimes\nOften\nDon't know\n... look in different places or stores to compare prices?\n …  think about whether your friends would approve of the item?\n ...  think about whether the item is good value for money?","Y","N",{"$f":"Questions!D284","v":282}]
[null,"Understanding money management","CYP understand the value of money","Young people understand the difference between 'price' and 'value' and that some things are better value than others","You are thinking of buying some new trainers.  Which of these comes closest to your view?\n\n1. It's best to buy a well-known, expensive, brand\n2. It is worth considering a less expensive brand if it offers the same quality\n3. It is best to choose the cheapest ones you can get even if they won't last quite as long",0,"N",{"$f":"Questions!D285","v":283}]
[null,"Understanding money management","CYP understand the value of money","Young people understand that services like electricity, phones and the internet cost money (7-11)","Which of the following cost your parents money?  (please select all that apply)\n1. Going to the park             Yes   No   Don’t know\n2. Electricity  in your home  Yes   No   Don’t know\n3. Going to an NHS doctor  Yes   No   Don’t know\n4. Going to a library              Yes   No   Don’t know\n5. Making phone calls          Yes   No   Don’t know\n6. Water that comes out of taps in your home   Yes   No   Don’t know\n","Y (modified form)","N",{"$f":"Questions!D286","v":284}]
[null,"Understanding money management","CYP understand the value of money","Young people understand how to shop around for things that they need to get the best value for money, and why this is important (7-11)","Why is it a good idea to shop around when picking where to buy something?\n\n1. You can find the same thing for different prices in different shops (1 point)\n2. It is fun to shop around (0 point)\n3. Some shops sell better quality items compared to others(1 point)\n4. Shopping around can save you money (1 point)\n5. Don’t know (0 points)\n\n\n\nHow can you make sure you get a good deal when buying something?\n1. Buy the first thing you see\n2. Compare prices in different shops or online (1 point)\n3. Buy second hand (1 point)\n4. Buy non-branded goods (1 point)\n5. Only buy the things you really need (1 point)\n6. Wait for things you want to go on sale (1 point)\n7. Get someone else to buy it for you\n8. Don't know (0 points)",0,"N",{"$f":"Questions!D287","v":285}]
[null,"Understanding money management","CYP know how to keep track of their money, and set and stick to a budget","Young people know how to set a budget and accurately track their spending against it","Do you know how much money you have in total? (IF HAVE BANK ACCOUNT INSERT [“including in your bank”])\nSC\n1. No \n2. Yes, roughly\n3. Yes exactly\n\n\nHow do you keep track of the money you get and the money you spend?\nMULTI\n\nOnline budgeting tool\nOnline bank account\nSpreadsheet\nPiece of paper\nIn my head (mentally)\nChecking my bank balance at a cash machine\nReviewing my bank statements\nOn a mobile app\nI don't keep track\nDon't know","Y","N",{"$f":"Questions!D288","v":286}]
[null,"Understanding money management","CYP know how to keep track of their money, and set and stick to a budget",null,"Some people set a plan for how they will spend their money and others do not. Which of these comes closest to how you feel about money planning?\n\n1. It's best to record the money you have and everything you spend to make sure you don't run out of money\n2. It is a good idea to keep an eye on your spending but it's not worth worrying about a pound here and there\n3. It's too much effort to keep track of spending; if you run out of money you'll just have to wait until you get more",0,"N",{"$f":"Questions!D289","v":287}]
[null,"Understanding money management","CYP know how to keep track of their money, and set and stick to a budget","Young people know how to use budgeting tools to help them budget","How do you keep track of the money you get and the money you spend?\nMULTI\n\nOnline budgeting tool\nOnline bank account\nSpreadsheet\nPiece of paper\nIn my head (mentally)\nChecking my bank balance at a cash machine\nReviewing my bank statements\nOn a mobile app\nI don't keep track\nDon't know","Y","N",{"$f":"Questions!D290","v":288}]
[null,"Understanding money management","CYP know how to keep track of their money, and set and stick to a budget","Young people know how to check a bank balance and read a bank statement (7-11)","BSQ: Looking at this example of a bank statement, how much money was in the account at the end of February?\n\nDon't know","Y","Y-BSQ",{"$f":"Questions!D291","v":289}]
[null,"Understanding money management","CYP know how to keep track of their money, and set and stick to a budget","Young people know they need to keep information about their current and savings accounts safe (7-11)","If have a bank account:\n\nDoes your bank account come with a card you can use to get cash from a cash point?\nYes \nNo\nDon't know\n\n{If yes} Who looks after your bank card?\n1. You\n2. Someone else (e.g. your parents or other)\n\n{if you} Which of the following should you do to keep your bank card PIN safe? Please select all the answers you think are correct\n1. Write down your PIN and keep it in your wallet in case you forget it\n2. Tell your best friend your PIN in case you forget it\n3. Keep your PIN secret from everyone\n4. Hide the keypad when you are entering your PIN at a cash point or shop\n5. Change your PIN if you think someone may have seen it\n\n Please say true or false to each statement (True/False/ Don’t know)\n1. It is important to keep your bank details, PIN and passwords secret.\n2. Your bank may email you sometimes to ask for your PIN. \n3. Criminals often pretend to be banks or other organisations to scam people\n4. Official people, like banks and police officers,  never ask for bank details (like your PIN) by phone or email\n5. Criminals can copy bank cards by using machines that look like ATMs or card payment machines\n6. It is always safe to use a cash machine, even if it looks damaged or unusual",0,"N",{"$f":"Questions!D292","v":290}]
[null,"Understanding money management","CYP know how to save up for things they want and why it is good to save","Young people know how to make deposits into a bank account (7-11)","ASK ALL WITH A BANK ACCOUNT:\nWhich of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)\n\nASK ALL WITH MONEY (CODES 2-6 at first question):  \nWhen you get money,  how often do you save at least some of it, [say by putting it in a piggy bank or cash box or into your bank account]?\nSELECT ONE ONLY\n1. Every time I get money\n2. Most times I get money\n3. Sometimes\n4. Never\n5. Don’t know ","Y","N",{"$f":"Questions!D293","v":291}]
[null,"Understanding money management",0,"Young people understand why saving money for something you want to buy is important (5-7, 7-11)","Why is it good to save up for something you want to buy?\n1. Saving up for things yourself will help you learn money management for when you are older (2 points)\n2.  Other people may not have money to spare/ they may get irritated if you ask them for money (1 point)\n3. Saving up for something will mean you are less likely to make 'impulse buys'/ makes you more likely to buy thing you really want or need (1 point)\n4. You can spend the money you have saved on something else if youwant to\n4. To stop you getting into debt  (2 point)",0,"N",{"$f":"Questions!D294","v":292}]
[null,"Understanding money management","CYP are aware of scams and fraud and know how to protect themselves from it","Young people understand about the different types of scams and identity theft, and know how to protect themselves from it","Please say true or false to each statement (True/False/ Don’t know)\n1. It is important to keep your bank details, PIN and passwords secret.\n2. Your bank may email you sometimes to ask for your PIN. \n3. Criminals often pretend to be banks or other organisations to scam people\n4. Official people, like banks and police officers,  never ask for bank details (like your PIN) by phone or email\n5. Criminals can copy bank cards by using machines that look like ATMs or card payment machines\n6. It is always safe to use a cash machine, even if it looks damaged or unusual\n\n\n\nTo what extent do you agree or disagree with each of these statements?\n\n- I never open attachments from unknown email senders \n- I always lock my phone/ tablet/ laptop when I am not using it\n- I pick passwords  that will be difficult to break (long ones with both numbers and letters)\n– I never tell other people what my passwords are\n- I have anti-virus software  on my computer\n- I am careful about what information I publish about myself online and on social media\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know ",0,"N",{"$f":"Questions!D295","v":293}]
[null,"Understanding money management","CYP can apply their numeracy skills to financial issues","Young people can calculate what interest they would be paid or would owe if their saved or borrowed money (7-11)","Suppose you put £100 into a savings account with a guaranteed interest rate of 2% per year. You don’t make any further payments into this account and you don’t withdraw any money.How much would be in the account at the end of the first year, once the interest payment is made? (11+)\n\nDon't know","Y","N",{"$f":"Questions!D296","v":294}]
[null,"Understanding money management","CYP can apply their numeracy skills to financial issues","Young people can work out how long they will need to save for to be able to buy something if they are saving a set amount a week (7-11)","Greg gets £6.00 a week pocket money. How many weeks would it take Greg to save up his pocket money to buy something that costs £26?\n",0,"N",{"$f":"Questions!D297","v":295}]
[null,"Understanding money management","CYP know where to get good advice and information on money management","Young people know how and where to seek advice about their money when they need to","If you needed advice about money, who would you ask?\n\nMULTI\n\nI do not ask for advice about money (SC)\nMy parents or carers\nMy friends\nMy teachers\nOther family members\nOther adults\nOnline (for example - Youtube, Money Saving Expert)\nA bank, building society or other financial organisation\nTV programmes\nDon't know (SC)","Y","N",{"$f":"Questions!D298","v":296}]
[null,"Understanding money management","CYP know where to get good advice and information on money management","Young people know how and where to seek advice about their money when they need to","And who would be the most useful?\n\nSINGLE\n\nMy parents or carers\nMy friends\nMy teachers\nOther family members\nOther adults\nOnline (for example - Youtube, Money Saving Expert)\nA bank, building society or other financial organisation\nTV programmes\nDon't know\nNone of them would give useful advice","Y","N",{"$f":"Questions!D299","v":297}]
[null,"Understanding the role of money in society","CYP understand the different sources of money","Young people understand that being financially independent and having their own source of income is an important part of being an adult","How important is it to you ... \n\n… to get a job when you are a grown-up?  \n… to not need  your parents' money when you are grown up (to be independant)? \n\n1. Very important\n2. Fairly important \n3. Not really important\n4. Not at all important ",0,"N",{"$f":"Questions!D300","v":298}]
[null,"Understanding the role of money in society","CYP understand the different sources of money","Young people understand that the choices they make around education and work will affect the amount of money they have in adulthood (7-11)","Which of these statements is true?\n                                                                                                   \n1. Young people who do well at school will find it easier to get well-paid jobs when they grow up\n2. It doesn't matter how well you do at school, you will find a well-paid job if you look hard\n\n",0,"N",{"$f":"Questions!D301","v":299}]
[null,"Understanding the role of money in society","CYP understand the different sources of money","Young people understand that different education & training options (eg. going to university or doing an apprenticeship) have different financial implications in both the short and longer term","Which of these statements is true?\n                                                                                                   \n1. Young people who do well at school will find it easier to get well-paid jobs when they grow up\n2. It doesn't matter how well you do at school, you will find a well-paid job if you look hard\n\n",0,"N",{"$f":"Questions!D302","v":300}]
[null,"Understanding the role of money in society","CYP understand that companies exist to make money","Young people understand the different ways that companies try to influence their spending, including through advertising, marketing, product placement and celebrity endorsements","Now a little quiz:\nCompanies use lots of different ways to get people to spend money on their goods and services. Can you match some of these ways to their names? \n\n1. Advertising\n2. Marketing\n3. Product placement\n4. Celebrity endorsements\n\n\n- Placing images and examples of a product where lots of people can see it (e.g. on TV, in magazines or on social media)\n- The process of transferring goods and services from the seller to the buyer\n- Promoting goods and services through films, television or social media (e.g. someone using a certain type of smart phone in a film)\n- Paying someone famous to put their name and face to goods and services and help to sell them\n\n(if online) Drag & drop\n(if on paper) Draw a line between description and name",0,"N",{"$f":"Questions!D303","v":301}]
[null,"Understanding the role of money in society","CYP understand how taxes are collected and what they are used for","Young people understand that the Government takes money taken from people's earnings to pay for things we all need (eg. schools, hospitals and rubbish collection)","Can you pick the description that best fits these words?\n\nInterest\nTax\n\nThe money that is added to savings by banks or building societies\nThe money people pay to government\nThe money you get when you retire from working\nThe amount you have in your bank account\n\nDON'T KNOW\n\n\nTax is money that the Government takes from the money that people earn. What is tax for?\n\nTo pay for things like hospitals and roads\nTo make sure people don't earn too much\nTo pay for lottery prizes\nTo pay for police and schools\nTo pay for supermarkets","Y","N",{"$f":"Questions!D304","v":302}]
[null,"Basic skills","CYP have good literacy skills","Young people perform at age appropriate levels in standardised literacy tests","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)",0,"N",{"$f":"Questions!D307","v":305}]
[null,"Basic skills","CYP have good numeracy skills","Young people perform at age appropriate levels in standardised numeracy tests","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)",0,"N",{"$f":"Questions!D308","v":306}]
[null,"Basic skills","CYP have good problem solving skills","Young people can identify and understand a problem","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)",0,"N",{"$f":"Questions!D309","v":307}]
[null,"Basic skills","CYP have good problem solving skills","Young people can plan ways to solve a problem","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)",0,"N",{"$f":"Questions!D310","v":308}]
[null,"Basic skills","CYP have good problem solving skills","Young people can monitor progress in tackling a problem","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)",0,"N",{"$f":"Questions!D311","v":309}]
[null,"Basic skills","CYP have good problem solving skills","Young people can review solutions to problems and modify them if necessary","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)",0,"N",{"$f":"Questions!D312","v":310}]
[null,"Other","Wellbeing",null,"To what extent do you agree with the following\n\nThinking about money makes me anxious\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know","Y","N",{"$f":"Questions!D313","v":311}]

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[]
[]
[]
[null,"Children, young people and parents Outcome Framework"]
[null,"14-16 yrs"]
[null,"Please select the first question for each indicator"]
[]
[null,"Higher level outcome","Lower level outcome","Indicator","Question",{"$f":"'4'!F8","v":"CYP \nFinCap"},"Picture \nQuestion","Question"]
[null,null,"CYP have their own regular source of money","Young people receive a regular income (eg. an allowance from their family or from a job)","Where do you get your money from? \nMULTI\n1. I do not get any money from my parents or other people – SC\n2. Pocket money or allowance from my parents or carers\n3. From my parents or carers as a reward for doing something\n4. Pocket money from other members of my family \n5. Birthdays, Christmas or special occasions\n6. From work or a part-time job such as delivering papers\n7. Through selling things online or somewhere else\n8. Other (Please write in)\n\nASK ALL WITH POCKET MONEY (CODES 2 and 4 at first question: \nDo you receive the same amount of pocket money/allowance each week/month? \n1. Yes, the same\n2. No, it varies\n3. Don’t know\n","Y","N",{"$f":"Questions!D314","v":312}]
[null,"Managing your money well day-to-day",null,"Young people keep their money in a safe place and keep information about their current and savings accounts safe (7-11)","A bank account is somewhere people can keep their money rather than keeping it at home. Credit union and building society accounts are like bank accounts, if you have a credit union or building society account you should answer yes to this question. Do you have a bank account of your own?\n\nSC\n1. Yes\n2. No\n3. I don’t know if I have one\n\n\nASK ALL WITH MONEY (CODES 2-6 at first question): \n(IF HAVE BANK ACCOUNT INSERT [“Apart from in your bank account(s)”] Where do you keep your money?\nMC\n1. Purse or wallet\n2. Piggy bank or cash box at home\n3. My parent/carer looks after it for me\n4. Nowhere in particular (SC)\n5. Somewhere else\n6. Don’t know (SC)\n\nIF HAVE BANK ACCOUNT\nDo you have any of the following wth your bank account? Pick all that apply\nPlastic card\nPIN (number)\nBank book\nAbility to access your account online\nNone of these\n\nIF HAVE A BANK BOOK OR CARD\nWhere do you keep your bank card or bank book? You can pick more than one answer.\nIn my purse/wallet\nMy parents keep it\nIn a safe place at home\nSomewhere else\nI don't have a special place where I keep this/these items\n\nIF HAVE A PIN NUMBER\nDo you keep your PIN number written down so you remember it?  You can pick all that apply\nYes, in my purse/wallet\nYes, at home\nYes, stored on a computer, tablet or phone\nNo, I just remember it in my head \nI don't use my PIN number/I have forgotten it\n\nIF HAVE AN ONLINE ACCOUNT\nDo you keep your online bank account login details written down so you remember them? You can pick all that apply\nYes, in my purse/wallet\nYes, at home\nYes, stored on a computer, tablet or phone\nNo, I just remember it in my head \nI don't use my online bank account/I have forgotten how to log in","Y (first Q; second Q)","N",{"$f":"Questions!D315","v":313}]
[null,"Managing your money well day-to-day",null,"Young people know how much money they have and keep track of their spending, including by checking bank statements / online banking (11-14)","ASK ALL WITH A BANK ACCOUNT:\nWhich of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)\n\nASK ALL WITH MONEY (CODES 2-6 at first question): \nDo you know how much money you have in total? (IF HAVE BANK ACCOUNT, including in your bank)\n1. No \n2. Yes, roughly\n3. Yes exactly\n\nHow do you keep track of the money you get and the money you spend?\nMULTI\n\nOnline budgeting tool\nOnline bank account\nSpreadsheet\nPiece of paper\nIn my head (mentally)\nChecking my bank balance at a cash machine\nReviewing my bank statements\nOn a mobile app\nI don't keep track\nDon't know","Y","N",{"$f":"Questions!D316","v":314}]
[null,"Managing your money well day-to-day",null,"Young people have money saved up (5-7, 7-11, 11-14)","ASK ALL WITH MONEY (CODES 2-6 at first question): \nDo you know how much money you have in total? (IF HAVE BANK ACCOUNT INSERT [“including in your bank”])\nSC\n1. No \n2. Yes, roughly\n3. Yes exactly\n\n\nASK ALL WITH MONEY (CODES 2-6 at first question):  \nWhen you get money, how often do you save at least some of it, [say by putting it in a cash box or into your bank account]?\nSELECT ONE ONLY\n1. Every time I get money\n2. Most times I get money\n3. Sometimes\n4. Never\n5. Don’t know","Y","N",{"$f":"Questions!D317","v":315}]
[null,"Managing your money well day-to-day",null,"Young people set themselves a budget that's appropriate and realistic for their circumstances and stick to it (11-14)","Do you ever make a plan on how you will spend and save your money? For example by setting yourself a budget.\nCHOOSE ONE ONLY\n1. Yes\n2. No\n\n{If yes}\nAnd, how often do you keep to your plan or budget?\nCHOOSE ONE ONLY\nNever\nRarely\nSometimes\nOften\nDon't know",0,"N",{"$f":"Questions!D318","v":316}]
[null,"Managing your money well day-to-day",null,"Young people make more complex choices about how to spend their money that are based on their needs and on value for money (11-14)","When you want to buy something for yourself, how often... \nNever\nRarely\nSometimes\nOften\nDon't know\n\n...  do you think about whether your friends would approve of the item?\n...  do think about how much money you will have left to spend on other things?\n...  do think about how attractive or cool the item is?\n...  do think about how long the item will last?\n...  do think about whether the item is good value for money?\n... do you think about whether you should save your money for another day?","Y (some options)","N",{"$f":"Questions!D319","v":317}]
[null,"Managing your money well day-to-day",null,"Young people shop around to get the best deal (7-11, 11-14)","When you want to buy something for yourself, how often... do  you look in different places or stores to compare prices?\nNever\nRarely\nSometimes\nOften\nDon't know","Y (some options)","N",{"$f":"Questions!D320","v":318}]
[null,"Managing your money well day-to-day",null,"Young people save up for bigger things they want to buy (eg a holiday or a car) and can save over a longer time period (at least a year)","What is the longest time you have saved up for? (for example to buy something you wanted)\nSC\n1. I haven’t saved up money before\n2. Less than a week\n3. More than a week but less than month\n4. More than a month but less than a year\n5. More than a year\n6. Don’t know","Y","N",{"$f":"Questions!D321","v":319}]
[null,"Managing your money well day-to-day",null,"Young people talk about money with friends and family openly (5-7, 7-11, 11-14)","Do you talk about your money with any of the following people?\n\nMULTI\n\nI never talk about money (SC)\nFriends\nParents or carers\nTeachers\nMy brothers and sisters\nGrandparents or other family members\nDon't know (SC)","Y","N",{"$f":"Questions!D322","v":320}]
[null,"Access to and use of financial products and advice","CYP have access to their own financial products from a young age","Young people have access to their own current account (at a bank, building society, credit union, etc.) (7-11, 11-14)","A bank account is somewhere people can keep their money rather than keeping it at home. Credit union and building society accounts are like bank accounts, if you have a credit union or building society account you should answer yes to this question. Do you have a bank account of your own?\n\nSC\n1. Yes\n2. No\n3. I don’t know if I have one\n\nASK ALL WITH A BANK/BS ACCOUNT (CODE 1 above): \nDo you know what type of bank account you have? Is it a….\nSINGLE CODE\n1. Current account\n2. Savings account\n3. I have both a current and a savings account\n4. I don’t know what type of bank account I have","Y","N",{"$f":"Questions!D323","v":321}]
[null,"Access to and use of financial products and advice","CYP have access to their own financial products from a young age","Young people have access to and use a debit card linked to their current account (11-14)","ASK ALL  WITH A BANK/B.S. ACCOUNT:\nWhich of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)","Y","N",{"$f":"Questions!D324","v":322}]
[null,"Access to and use of financial products and advice","CYP have access to their own financial products from a young age","Young people have access to and manage their own savings account (at a bank, building society, credit union etc) (7-11, 11-14)","A bank account is somewhere people can keep their money rather than keeping it at home. Credit union and building society accounts are like bank accounts, if you have a credit union or building society account you should answer yes to this question. Do you have a bank account of your own?\n\nSC\n1. Yes\n2. No\n3. I don’t know if I have one\n\nASK ALL WITH A BANK/BS ACCOUNT (CODE 1 above): \nDo you know what type of bank account you have? Is it a….\nSINGLE CODE\n1. Current account\n2. Savings account\n3. I have both a current and a savings account\n4. I don’t know what type of bank account I have","Y","N",{"$f":"Questions!D325","v":323}]
[null,"Access to and use of financial products and advice","CYP have access to their own financial products from a young age","Young people have experience of managing their bank accounts online where this is available","How do you keep track of the money you get and the money you spend?\nMULTI\n\nOnline budgeting tool\nOnline bank account\nSpreadsheet\nPiece of paper\nIn my head (mentally)\nChecking my bank balance at a cash machine\nReviewing my bank statements\nOn a mobile app\nI don't keep track\nDon't know","Y","N",{"$f":"Questions!D326","v":324}]
[null,"Access to and use of financial products and advice","CYP are given experience of choosing their own financial products","Young people are involved in the process of choosing and setting up their own current and savings accounts or have been involved in the decision-making","How involved are you in the following decisions about your money? \n(Fully involved / Partly involved / Not at all involved)\n\nChoosing my bank or savings account",0,"N",{"$f":"Questions!D327","v":325}]
[null,"Access to and use of financial products and advice","CYP are given experience of choosing their own financial products","Young people are involved in the process of choosing and setting up their own mobile phone provider and package, and have a key say in which ones are selected (if they own a mobile phone)","Do you get to have a choice in?\n \nThe cost of your mobile phone call and data package \n\n1. Yes\n2. No\n3. Don't know\n4. I don’t have a mobile phone","Y","N",{"$f":"Questions!D328","v":326}]
[null,"Access to and use of financial products and advice","CYP recieve advice and guidance about money as well as wider life goals","Young people receive money advice and guidance from their family, teachers and other appropriate sources around money (3-5, 5-7, 7-11, 11-14)","How often do your parents or carers teach you about  money and spending?\nNever\nRarely\nSometimes\nOften\nDon't know\n\nHow often do your teachers teach you about  money and spending?\nNever\nRarely\nSometimes\nOften\nDon't know",0,"N",{"$f":"Questions!D329","v":327}]
[null,"Access to and use of financial products and advice","CYP recieve advice and guidance about money as well as wider life goals","Young people receive money advice and guidance from their family, teachers and other appropriate sources around money (3-5, 5-7, 7-11, 11-14)","If you needed advice about money, who would you ask?\n\nPlease select all that apply.\n\nMULTICODE ALLOWED\n\nMy parents\nMy friends\nMy teachers\nOther family members (write in)\nInternet site (write in)\nA bank, building society or other financial organisation\nTV programmes (write in)\nOther (write in)\nI do not ask for advice about money\n\n\nHave you learnt about how to manage your money in school or college?\n(SINGLE)\n\nYes\nNo\nNot sure or don't remember\n\nWhich subjects did you learn how to manage your money in?\nMULTI\n\nMaths\nPSHE\nCitizenship\nBusiness & Finance\nEnterprise\nOther (please specify)\nDon't know","Y","N",{"$f":"Questions!D330","v":328}]
[null,"Access to and use of financial products and advice","CYP recieve advice and guidance about money as well as wider life goals","Young people receive advice and guidance from their family, teachers and other appropriate sources on their education and career options (11-14)","How confident are you that you know who to turn to for advice about education and careers?\n1. Very confident\n2. Fairly confident\n3. Not very confident\n4. Not at all confident\n\n\nWhich of the following people have given you advice about your education and career options. Select all that apply:\n1. Parents\n2. Siblings\n3. Other family members\n4. Friends\n5. A careers adviser or careers teacher at school\n6. Other teachers at school\n7. A Connexions personal adviser\n8. Someone else at Connexions\n9. Someone else (Please specify______)",0,"N",{"$f":"Questions!D331","v":329}]
[null,"Access to and use of financial products and advice","CYP recieve advice and guidance about money as well as wider life goals","Young people know where to go for advice and guidance on finance options to fund further education","If you needed advice or information about the different options for paying for education in the future where would you go?\nPlease select all that apply.\n\n1. My parents\n2. My friends\n3. Other family members (write in)\n4. My teachers/my school or college\n5. Internet site (write in)\n6. A bank, building society or other financial organisation\n7. TV programmes (write in)\n8. Other (write in)\n9. I haven't thought about this yet\n10. I don't need this kind of advice or information",0,"N",{"$f":"Questions!D332","v":330}]
[null,"Exposure to family finances","CYP witness financial transactions and processes","Young people are aware of the range of regular household bills to be paid (e.g. rent/mortgage, gas, electricity, council tax)","Which of the following things do most adults pay for, and which do most adults get for free?\n\nRent or mortgage\nElectricity or gas at home\nWater at home\nVisits to a GP or hospital\nCouncil tax\nInternet at home\nBorrowing a library book\n\nPay for\nGet for free\nDon't know","Y","N",{"$f":"Questions!D333","v":331}]
[null,"Exposure to family finances","CYP are involved in discussions and decisions about household spending","Young people are involved when everyday household spending decisions are being taken (e.g. about the weekly shop) and trade-offs are being made (5-7, 7-11, 11-14)","Do you get to have a choice in?\n \nFamily days out or holidays \nWhat to buy in the family food shop\n\nYes\nNo \nDon't know\n\n\n","Y","N",{"$f":"Questions!D334","v":332}]
[null,"Exposure to family finances","CYP are involved in discussions and decisions about household spending","Young people are involved when everyday household spending decisions are being taken (e.g. about the weekly shop) and trade-offs are being made (5-7, 7-11, 11-14)","Here are some things that people your age have said about money. How strongly do you agree or disagree with them\nROTATE STATEMENTS\nSelect one for each row\nMy parents or carers discuss with me what we can and can’t afford to buy\nI don't like it when my parents or carers say I cannot have things I see in shops\nI don’t like it when friends have things I don’t have\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know \n","Y","N",{"$f":"Questions!D335","v":333}]
[null,"Experience of managing your own money (and the risks that come with it)","CYP have their own regular source of money","Young people receive a regular income (eg. an allowance from their family or from a job)","Where do you get your money from? \nMULTI\n1. I do not get any money from my parents or other people – SC\n2. Pocket money or allowance from my parents or carers\n3. From my parents or carers as a reward for doing something\n4. Pocket money from other members of my family \n5. Birthdays, Christmas or special occasions\n6. From work or a part-time job such as delivering papers\n7. Through selling things online or somewhere else\n8. Other (Please write in)\n\nASK ALL WITH POCKET MONEY (CODES 2 and 4 at first question): \nDo you receive the same amount of pocket money/allowance each week/month? \n1. Yes, the same\n2. No, it varies\n3. Don’t know","Y","N",{"$f":"Questions!D336","v":334}]
[null,"Experience of managing your own money (and the risks that come with it)","CYP have responsibility for managing their own money","Young people look after their money themselves (11-14)","IF HAVE BANK ACCOUNT:\nCan you take money out of your bank account without your parents' permission? Y/N\n\nDo your parents control the amount of money you take out of your bank account? Y/N\n\nIF DO NOT HAVE BANK ACCOUNT\nCan you spend your own money without your parents' permission? Y/N\n\nDo your parents control the amount of money you spend? Y/N",0,"N",{"$f":"Questions!D337","v":335}]
[null,"Experience of managing your own money (and the risks that come with it)","CYP have responsibility for managing their own money","Young people make their own decisions about how to spend or save their money (11-14)","ASK ALL WITH MONEY:\nWhen you have money, who usually decides whether you save any of it? \nSC\n\nMy parents or carers decide \nI decide\nWe both decide\nDon’t know\n\nWhen you have money, who usually decides what you spend it on?\nSC\n \nMy parents or carers decide\nI decide\nWe both decide\nDon’t know","Y","N",{"$f":"Questions!D338","v":336}]
[null,"Experience of managing your own money (and the risks that come with it)","CYP have responsibility for managing their own money","Young people are given responsibility for paying for things they need out of their own money eg. mobile phone, travel or toiletries (11-14)","Do you have to pay for any of the following things you need out of your money? \nSINGLE PER ROW\n1. Non-school clothes and shoes\n3. Toiletries & cosmetics\n4. Snacks or sweets\n5. Presents for other people \n6. Toys or games or gadgets\n7. Going  out with your friends\n\nNo - my parents pay for this for me\nYes - I sometimes pay for this from my own money\nYes - I mainly pay for this from my own money","Y (amended version)","N",{"$f":"Questions!D339","v":337}]
[null,"Experience of managing your own money (and the risks that come with it)","CYP have experience of paying for goods and activities","Young people pay for things online (where able to) with their own money (such as apps, games or music) without supervision","Have you ever bought something online by yourself?\n\nYes\nNo\nDon't know\n\nWhich of the following methods have you used to pay for things online?\n\nCash\nDebit card\nCredit card\nVoucher for an online shop\nOnline account (e.g. Paypal)\nOther (specify)\nI don't know how I paid for things online\nI don't pay for things online",0,"N",{"$f":"Questions!D340","v":338}]
[null,"Attitudes to money management (including spending, saving and borrowing)","CYP believe it's important to manage your money well and think carefully about how you spend it","Young people believe that it is important to keep track of their money (7-11, 11-14)","How important is it to check how much money you have?\n\nVery important\nQuite important\nNot very important\nNot at all important",0,"N",{"$f":"Questions!D341","v":339}]
[null,"Attitudes to money management (including spending, saving and borrowing)","CYP believe it's important to manage your money well and think carefully about how you spend it","Young people believe it is important to think carefully about what they spend their money on (7-11, 11-14)","Imagine you were given £5 to spend on a school trip. Would you plan how to spend the money and then stick to that plan? For example, would you work out how much you want to spend on different things like sweets or presents.\n1. Yes, I would make a plan and stick to it\n2. Yes, I would make a plan but would be unlikely to stick to it\n3. No, I wouldn’t make a plan\n4. Don’t know\n","Y","N",{"$f":"Questions!D342","v":340}]
[null,"Attitudes to money management (including spending, saving and borrowing)","CYP believe it's important to manage your money well and think carefully about how you spend it","Young people think it's important to shop around for things that they need and look for the best deals in order to make their money go further (7-11, 11-14)","Imagine you need to buy a present. What do you do?\n\nGo to the nearest shop and buy the thing you want\nLook around a few different shops to see where it is cheapest\nLook online to find the cheapest price\nSomething else\nDon't know\n",0,"N",{"$f":"Questions!D343","v":341}]
[null,"Attitudes to money management (including spending, saving and borrowing)","CYP think it's good to plan for the future and save up for things","Young people prefer to plan for the future rather than live for the day when it comes to their money","When it comes to money I prefer to live for today rather than plan for tomorrow' \n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know \n",0,"N",{"$f":"Questions!D344","v":342}]
[null,"Attitudes to money management (including spending, saving and borrowing)","CYP think it's good to plan for the future and save up for things","Young people think that saving money for larger purchases is important for them to do (11-14)","Imagine you want to buy something expensive. How would you get the money?\n\nI would save some money every week or month for it\n\nI would borrow money from my friends or family\n\nMy parents or guardian would pay for it\n\nSomeone else in my family would pay for it\n\nI would just not buy it\n\nOther\n\nDon't know",0,"N",{"$f":"Questions!D345","v":343}]
[null,"Attitudes to money management (including spending, saving and borrowing)","CYP think it's good to plan for the future and save up for things","Young people think it's important for them to save for the future","How important do you think it is for you to save-up your money for the future in general?\n\n\n1. Very important\n2. Fairly important\n3. Neither important not unimportant\n4. Fairly unimportant\n5. Very unimportant",0,"N",{"$f":"Questions!D346","v":344}]
[null,"Attitudes to money management (including spending, saving and borrowing)","CYP think it's good to plan for the future and save up for things","Young people think it's important for them to save for the future","Imagine someone gives you £10. How much would you spend and how much would you save for later?   \n(if online) SLIDER SCALE – Save £10 to Spend £10 – use £1 increments\n(if on paper) Spend all of it; Spend more than half; Spend about half; Spend less than half; Save all of it\n\nImagine someone gives you £100. How much would you spend and how much would you save for later?   \n(if online) SLIDER SCALE – Save £100 to Spend £100 – use £1 increments\n(if on paper) Spend all of it; Spend more than half; Spend about half; Spend less than half; Save all of it","Y","N",{"$f":"Questions!D347","v":345}]
[null,"Attitudes to money management (including spending, saving and borrowing)","CYP have a cautious attitude to borrowing and debt","Young people believe it is important to think about the potential consequences of borrowing money including the impact if they can't pay it back","Below are some things people your age have said about borrowing money. Which one best describes how you feel about borrowing money? (12+)\n\nSINGLE\n\nI'd rather not borrow money\nBorrowing money is OK, but only if I can pay it back\nBorrowing money does not bother me at all, even if I can't afford to pay it back\nI don't know","Y","N",{"$f":"Questions!D348","v":346}]
[null,"Attitudes to money management (including spending, saving and borrowing)","CYP have a cautious attitude to borrowing and debt","Young people believe it is important to think about the potential consequences of borrowing money including the impact if they can't pay it back","Steve is 18 and is studying at college. One night his home is burgled and his laptop to stolen. He does not have insurance.\nSteve needs a laptop as soon as possible so he can do his course and his friends and family cannot help him buy a replacement. He has enough money in his savings account to pay for a cheap laptop. However, if he spends his savings on a laptop he won’t be able to go on holiday with his friends like he had planned. What should Steve do?\n1. Use the savings to buy a laptop\n2. Apply for a credit card and use this to buy a laptop\n3. Get an instant pay day loan and use this to buy a laptop\n4. Drop out of college\n\nWhat would you do if you were in this situation? [options as above]\n",0,"N",{"$f":"Questions!D349","v":347}]
[null,"Attitudes to money management (including spending, saving and borrowing)","CYP accept that they cannot have everything they want and that everyone has to make trade-offs with their money","Young people don't get angry or upset when they can't have something they want but don't need (5-7, 7-11, 11-14)","Here are some things that people your age have said about money. How strongly do you agree or disagree with them\nROTATE STATEMENTS\nSelect one for each row\nMy parents discuss with me what we can and can’t afford to buy (11-17 only)\nI don't like it when my parents or carers say I cannot have things I see in shops\nI don’t like it when friends have things I don’t have\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know","Y","N",{"$f":"Questions!D350","v":348}]
[null,"Attitudes to money management (including spending, saving and borrowing)","CYP accept that they cannot have everything they want and that everyone has to make trade-offs with their money","Young people don't regularly ask other people for things they want but cannot afford to buy with their own money","How often do you ask your parents to buy you things you want but don’t really need (such as new games or fashionable clothes)?\n1. I do this a lot\n2. I do this sometimes\n3. I rarely do this\n4. I never do this\n5. Don’t know",0,"N",{"$f":"Questions!D351","v":349}]
[null,"Attitudes to money management (including spending, saving and borrowing)","CYP accept that they cannot have everything they want and that everyone has to make trade-offs with their money","Young people don't regularly ask other people for things they want but cannot afford to buy with their own money","How much do you agree or disagree with the following statement \"I often feel annoyed with my parents if they won't buy me things I ask for\"\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know ",0,"N",{"$f":"Questions!D352","v":350}]
[null,"Attitudes to money management (including spending, saving and borrowing)","CYP feel confident and in control of their financial situation","Young people feel confident to manage their own money (7-11, 11-14)","How confident do you feel 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'","Y","N",{"$f":"Questions!D353","v":351}]
[null,"Attitudes to money management (including spending, saving and borrowing)","CYP feel confident and in control of their financial situation","Young people believe that they can influence and improve their own financial situation (now and in adulthood) through the choices they make (11-14)","To what extent do you agree or disagree with the following\n\nNothing I do will make much difference to my money situation (11+)\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know","Y","N",{"$f":"Questions!D354","v":352}]
[null,"Money and values","CYP do not value themelves or others by their material possessions","When making friends, material possessions are not the most important factor for young people (7-11, 11-14)","Which of the following things would you look for in a new friend?:\n1. Whether they are clever\n2. Whether they are cool or attractive\n3. Whether they own cool things\n4. Whether they are funny\n5. Whether they have the same hobbies as you\n6. Whether they are rich\n7. None of the above",0,"N",{"$f":"Questions!D355","v":353}]
[null,"Money and values","CYP do not value themelves or others by their material possessions","Young people do not think that their possessions are the most important thing about them (7-11, 11-14)","How important are each of the following to you:\n1. Being popular at school\n2. Doing well in your school work\n3. Being viewed as cool or attractive\n4. Owning cool things\n5. Getting on well with your friends\n6. Getting on well with you family\n7. Being good at managing your money\n\n\n1. Very important\n2. Fairly important\n3. Neither important not unimportant\n4. Fairly unimportant\n5. Very unimportant",0,"N",{"$f":"Questions!D356","v":354}]
[null,"Money and values","CYP feel comfortable talking openly about money with friends and family","Young people feel comfortable talking openly about money with friends and family (5-7, 7-11, 11-14)","Do you talk about your money with any of the following people?\n\nMULTI\n\nI never talk about money (SC)\nFriends\nParents or carers\nTeachers\nMy brothers and sisters\nGrandparents or other family members\nDon't know (SC)","Y","N",{"$f":"Questions!D358","v":356}]
[null,"Aspirations and goals","CYP aspire to be good at managing their money","Young people want to be good at managing their money (5-7, 7-11, 11-14)","How important are each of the following to you (use importance scale listed above):\n1. Being popular at school\n2. Doing well in your school work\n3. Being viewed as cool or attractive\n4. Owning cool things\n5. Getting on well with your friends\n6. Getting on well with you family\n7. Being good at managing your money",0,"N",{"$f":"Questions!D359","v":357}]
[null,"Aspirations and goals","CYP have educational and career goals","Young people have goals around the education and qualifications they want to achieve (11-14) ","Which, if any, of the following goals would you like to achieve in the next 5 years?\n\nMULTICODE\n\nNothing, I have no goals for the next 5 years (SC)\nGet into university\nGo travelling\nGet a secure job when I leave education\nMove out of parents' home\nGet my own car\nNot rely on my parents for money\nGo on holiday with my friends\nStay in education past the age of 16\nGet good grades in my homework\nMake it into a sports team or music group or drama production\nStay in education\nI have other goals I would like to achieve","Y","N",{"$f":"Questions!D360","v":358}]
[null,"Aspirations and goals","CYP have educational and career goals","Young people have goals around the job they want to do when they leave education (11-14)","How important to you is it that…\n...you  get a job when you finish education?\n...you are rich when you are a grown-up?\n\n\n1. Very important\n2. Fairly important\n3. Neither important not unimportant\n4. Fairly unimportant\n5. Very unimportant\n\n\nDo you have any idea what job you would like to have when you are older? \n1. Yes- I know exactly what I want to be\n2. I have some ideas but I am not 100% decided\n3. No- I don't know what job I would like\n\n",0,"N",{"$f":"Questions!D361","v":359}]
[null,"Aspirations and goals","CYP have educational and career goals","Young people have goals around the job they want to do when they leave education (11-14)","{If 1 or 2 above} How likely are you to get the type of job you would like in the future?\n1. Very likely\n2. Somewhat likely\n3. Not very likely\n4. Not at all likely",0,"N",{"$f":"Questions!D362","v":360}]
[null,"Aspirations and goals","CYP have financial goals","Young people aspire to earn their own money as adults rather than rely on others for money (11-14)","Do you agree or disagree with the following statements?\n                                                       Agree                    Disagree\n\n1. It's important to earn your own money\n2. I would like to be able to pay my own way as soon as I'm old enough\n3. It's fine to not earn money because others will make sure you have enough to get by\n4. I'm looking forward to having a job and my own money\n5. It's a good idea to get a part-time job when you are old enough to earn money rather than relying on your parents",0,"N",{"$f":"Questions!D363","v":361}]
[null,"Aspirations and goals","CYP have financial goals","Young people have a plan for saving up a certain amount of money so that they can pay for something that they want themselves (they have a savings goal) (5-7, 7-11, 11-14)","Do you save money, for example at home in a money box or in a savings account? Please choose one answer.\na) Yes I save regularly\nb) Yes, but only occasionally\nc) No\n\n\nASK IF ANSWERED a or b for question above\nPeople save for different reasons. Which of these statements best describes why you save? Please choose one answer.\na) I’m saving because my parents or guardians say it’s a good idea\nb) I’m saving up for a specific thing I want to buy\nc) I’m saving because I want to but not towards anything in particular\nd) I’m only saving because my parents or guardians make me",0,"N",{"$f":"Questions!D364","v":362}]
[null,"General mindset","CYP have self-esteem","Young people have a sense of their own value or worth","Do you think that your parents usually like to hear about your ideas? (Yes/No/Don't know)\n\nWhen you have to say things in front of teachers, do you usually feel shy? (Yes/No/Don't know)\n\nAre there lots of things about yourself you would like to change? (Yes/No/Don't know)\n\nI have high self-esteem (7 point scale from Not very true of me to Very true of me)","Y (second Q; third Q; fourth Q)","N",{"$f":"Questions!D365","v":363}]
[null,"General mindset","CYP have self-esteem","Young people have a sense of their own value or worth","Do you think that your parents usually like to hear about your ideas? (Yes/No/Don't know)\n\nWhen you have to say things in front of teachers, do you usually feel shy? (Yes/No/Don't know)\n\nAre there lots of things about yourself you would like to change? (Yes/No/Don't know)\n\nI have high self-esteem (7 point scale from Not very true of me to Very true of me)",0,"N",{"$f":"Questions!D366","v":364}]
[null,"General mindset","CYP have self-esteem","Young people have a sense of their own value or worth","Do you think that your parents usually like to hear about your ideas? (Yes/No/Don't know)\n\nWhen you have to say things in front of teachers, do you usually feel shy? (Yes/No/Don't know)\n\nAre there lots of things about yourself you would like to change? (Yes/No/Don't know)\n\nI have high self-esteem (7 point scale from Not very true of me to Very true of me)",0,"N",{"$f":"Questions!D367","v":365}]
[null,"General mindset","CYP have self-esteem","Young people have a sense of their own value or worth","Do you think that your parents usually like to hear about your ideas? (Yes/No/Don't know)\n\nWhen you have to say things in front of teachers, do you usually feel shy? (Yes/No/Don't know)\n\nAre there lots of things about yourself you would like to change? (Yes/No/Don't know)\n\nI have high self-esteem (7 point scale from Not very true of me to Very true of me)",0,"N",{"$f":"Questions!D368","v":366}]
[null,"General mindset","CYP display self-control/self-regulation","Children show appropriate behaviour","I often fight with other people\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n\nI get angry quickly\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n\nI sometimes take things belonging to other people\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n\nI am generally willing to do what is asked of me (e.g. by teachers or parents)\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n\nOther people say I tell lies\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all","Y (second Q; fourth Q)","N",{"$f":"Questions!D369","v":367}]
[null,"General mindset","CYP display self-control/self-regulation","Children show perseverance","Setbacks don’t discourage me. \nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all \n\nI finish whatever I begin. \nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all \n\nI persist (carry on) with work whether it is difficult or not. \nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n","Y (third Q)","N",{"$f":"Questions!D370","v":368}]
[null,"General mindset","CYP have self-efficacy","Young people believe they can improve their abilities through personal effort","Do you usually feel that it's almost useless to try in school because most students are cleverer than you? (Yes/No/Don't know)\n\nWhen someone is very angry with you is it impossible to make him your friend again? (Yes/No/Don't know)\n\nWhen bad things happen to you it is usually someone else's fault? (Yes/No/Don't know)\n\nWhen nice things happen to you is it only good luck? (Yes/No/Don't know)","Y (fourth Q)","N",{"$f":"Questions!D371","v":369}]
[null,"Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people know what bank accounts are, how they work and the benefits of having them (11-14)","Do you know what a bank account is? (7-11)\n1. Yes\n2. No\n\n\nA bank account is somewhere people can keep their money rather than keeping it at home. Credit union and building society accounts are like bank accounts, if you have a credit union or building society account you should answer yes to this question. Do you have a bank account of your own?\n\nSC\n1. Yes\n2. No\n3. I don’t know if I have one\n\nASK ALL WITH A BANK/B.S. ACCOUNT:\nWhich of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)","Y","N",{"$f":"Questions!D372","v":370}]
[null,"Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people are aware of the different types of savings products available (eg. savings accounts, junior ISAs, child trust funds, etc.) and are aware of the pros and cons of each (11-14)","Before today, which of the following financial products have you heard of?\nCurrent account\nSavings account\nISAs\nChild trust funds or Junior ISAs\n\n\nWhich of the following do you have in your own name?\nCurrent account\nSavings account\nISAs\nChild trust funds or Junior ISAs",0,"N",{"$f":"Questions!D373","v":371}]
[null,"Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people understand how to set up a current or savings account (7-11, 11-14)","To set up a bank account which of these things do you think you would need?\n1. Name and address\n2. Date of birth\n3. Birth certificate\n4. Passport\n5. Note from your school\n6. Parents' personal details\n7. A computer/laptop/tablet\n8. A credit card\n9. Some money",0,"N",{"$f":"Questions!D374","v":372}]
[null,"Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people understand the role of student loans and the way in which they work","Student  loans are a cheap way to borrow money.\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know \n\nPlease indicate whether you think the following statements are True or False:\n1. Student loans need to be paid immediately after graduation\n2. You must start to repay a student loan if you earn above a certain amount\n3. Student loans are cleared after 25 years \n4. One does not need to pay the student loans if s/he is self-employed\n5. Student loans repayments are calculated each month based on one's salary",0,"N",{"$f":"Questions!D375","v":373}]
[null,"Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people understand what insurance is for and where to go to access it","Why  would someone buy insurance? Please choose all that apply:\n1. To cover the cost if they lose something\n2. To cover the cost if something they owned broke\n3. To cover the costs if something they owned got stolen\n4. To replace an older object (such as a mobile) with a new one\n\n\nPlease indicate whether you think the following statements are True or False (True/False/Don't Know)\n1. You can get better deals on insurance if you shop around\n2. If you own a car you must have car insurance to drive it\n3. If you own a mobile phone you are legally obliged to insure it\n4. All insurance policies have the same terms and conditions\n5. Insurers can refuse to pay for things depenfing on the terms and conditions",0,"N",{"$f":"Questions!D376","v":374}]
[null,"Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people understand what insurance is for and where to go to access it","Which of the following can people buy insurance for? Choose all that apply\n1.  Mobile phone \n2. Home contents\n3. Car\n4. Pet\n5. Life insurance (to provide a cash pay-out if they die)\n6. Dental and medical (to provide private care if they get sick)\n7. Travel insurance (to cover holidays)\n",0,"N",{"$f":"Questions!D377","v":375}]
[null,"Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people understand that borrowing money and not being able to pay it back can have negative consequences (11-14)","Do you agree or disagree with the following statements?                      \n  \n1. Borrowing money is OK as long as you pay bits back regularly\n2. Borrowing money for a long time means you may have to pay back a lot more than you borrowed\n3. If you borrow money and do not pay it back nothing will happen\n4. Getting into debt means it is harder to get loans, credit cards and mobile phone contracts in the future\n\nAgree\nDisagree\n\n","Y","N",{"$f":"Questions!D378","v":376}]
[null,"Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people understand what interest is, and how it can be added to money that people save or borrow (7-11, 11-14, 14-16)","Can you pick the word that best fits the description?\n\nThe amount the price of things in shops goes up by\n\nThe money that is added to savings by banks or building soceties\n\nThe money people pay to  government\n\nThe amount you get when you retire from working\n\nThe amount of money you have in your bank account\n\nInterest\nPension\nInflation\nBalance\nTax\nBenefit\nCredit\nDebit\nDon't know","Y","N",{"$f":"Questions!D379","v":377}]
[null,"Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people understand that you can pay for things in different ways (eg. cash, direct debit from a bank account, debit card etc) and the reasons for chosing one method over another (7-11, 11-14)"," Which of the following methods do you use to pay for things you want to buy? SELECT ALL THAT APPLY\n1. Cash - notes or coins\n2. Debit card\n3. Pre-paid card\n4. Online account (e.g. Paypal)\n5. Mobile phone\n6. Something else (specify for pilot)\n7.  Other people buy things for me\n8. Don’t know\n\nAnd which of the following ways do you see your parents pay for things? SELECT ALL THAT APPLY\n1. Cash – notes or coins\n2. Debit card\n3. Pre-paid card\n4. Online account (e.g. Paypal)\n5. Mobile phone\n6. Credit card\n7. Direct debit\n8. None of the above\n9. Don’t know\n\nIs this true or false?\n\nA debit card takes money directly from your bank account, a credit card lets you borrow money and pay it back later\n\nDirect debits can take money from your bank account each month for regular bills\n\nTrue\nFalse",0,"N",{"$f":"Questions!D380","v":378}]
[null,"Understanding financial products and concepts","CYP understand how to choose financial products that meet their needs","Young people understand the things they need to think about when choosing between different current or savings accounts (eg. interest rates, how quickly and easily they can access the money, different account features, etc.) (11-14)","Which of these features should you think about when choosing a bank account?\nTick all that apply\n\n1. Having a cash card or debit card\n2. Ease of getting to the bank\n3. Whether my friends use the same bank\n4. Whether my parents use the same bank\n5. Whether you can bank online or through an app\n6. Interest rate on the money in the bank account\n7. Whether you can access your money straightaway\n8. How much money you can take out per day\n9. Overdraft facility and how much it is\n10. Introductory offers (e.g. free tickets/travel card)\n11. Monthly fee and how much it is\n12. Special features (e.g. mobile phone insurance)\n13. Other (please write in)",0,"N",{"$f":"Questions!D381","v":379}]
[null,"Understanding financial products and concepts","CYP understand how to choose financial products that meet their needs","Young people know useful strategies when selecting financial products such as comparing deals, reading the small print, switching providers and seeking advice","The  next questions look at the sort of things people do when choosing financial products such as  bank account accounts or mobile phone tariffs. Please indicate whether you think the following statements are true or false (True/False/Don't Know)\n\n...You can get better deals on financial products if you shop around\n...It is important to read the terms and conditions before picking a  financial product. \n... Banks are legally obliged to tell me if my money could be doing better in another account\n... Mobile phone providers are legally obliged to tell me which tariff is best  for me\n ...You can often get better deals on financial products if you change provider regularly\n...Free neutral advice on choosing financial products is available, you just need to know where to find it",0,"N",{"$f":"Questions!D382","v":380}]
[null,"Understanding financial products and concepts","CYP understand how to choose financial products that meet their needs","Young people are aware that some saving products have higher interest than others","Which of the following statements is true and which is false:\n\nIt doesn't matter what kind of savings account you have, the interest rate is the same at all banks\nThere are some financial products which will give you a higher interest rate\nIf you negotiate with the bank, you can get a higher interest rate on your savings\nAll the saving products within the same bank offer the same interest rate",0,"N",{"$f":"Questions!D383","v":381}]
[null,"Understanding money management","CYP understand the value of money","Young people can make spending decisions appropriate to their age based on their needs and priorities","When you get money,  how often do you save at least some of it, [say by putting it in a piggy bank or cash box or into your bank account]?\nSELECT ONE ONLY\n1. Every time I get money\n2. Most times I get money\n3. Sometimes\n4. Never\n5. Don’t know \n\n[You said that you save some money every time/most times/some of the time you get money.] How often do you spend that money on things you want?\nSC\n\nEvery time I get money\nMost times I get money\nSometimes\nNever\nDon't know",0,"N",{"$f":"Questions!D384","v":382}]
[null,"Understanding money management","CYP understand the value of money","Young people understand the difference between 'price' and 'value' and that some things are better value than others (7-11)","You are thinking of buying some new trainers.  Which of these comes closest to your view?\n\n1. It's best to buy a well-known, expensive, brand\n2. It is worth considering a less expensive brand if it offers the same quality\n3. It is best to choose the cheapest ones you can get even if they won't last quite as long",0,"N",{"$f":"Questions!D385","v":383}]
[null,"Understanding money management","CYP understand the value of money","Young people understand how to shop around to get the best value for money and why this is important (7-11, 11-14)","How can you make sure you get a good deal when buying something?\n1. Buy the first thing you see\n2. Compare prices in different shops or online (1 point)\n3. Buy second hand (1 point)\n4. Buy non-branded goods (1 point)\n5. Only buy the things you really need (1 point)\n6. Wait for things you want to go on sale (1 point)\n7. Get someone else to buy it for you\n8. Don't know (0 points)\n\nWhy is it a good idea to shop around when picking where to buy something?\n\n1.  You can find the same thing for different prices in different shops (1 point)\n2. It is fun to shop around (0 point)\n3. Some shops sell better quality items compared to others(1 point)\n4. Shopping around can save you money (1 point)\n5. Don’t know (0 points)\n\n\n\n\n",0,"N",{"$f":"Questions!D386","v":384}]
[null,"Understanding money management","CYP know how to keep track of their money, and set and stick to a budget","Young people know how to set a budget appropriate to their age and accurately track their spending against it (11-14)","Do you know how much money you have in total? (IF HAVE BANK ACCOUNT INSERT [“including in your bank”])\nSC\n1. No \n2. Yes, roughly\n3. Yes exactly\n\n\nHow do you keep track of the money you get and the money you spend?\nMULTI\n\nOnline budgeting tool\nOnline bank account\nSpreadsheet\nPiece of paper\nIn my head (mentally)\nChecking my bank balance at a cash machine\nReviewing my bank statements\nOn a mobile app\nI don't keep track\nDon't know","Y","N",{"$f":"Questions!D387","v":385}]
[null,"Understanding money management","CYP know how to keep track of their money, and set and stick to a budget",null,"Some people set a plan for how they will spend their money and others do not. Which of these comes closest to how you feel about money planning?\n\n1. It's best to record the money you have and everything you spend to make sure you don't run out of money\n2. It is a good idea to keep an eye on your spending but it's not worth worrying about a pound here and there\n3. It's too much effort to keep track of spending; if you run out of money you'll just have to wait until you get more\n",0,"N",{"$f":"Questions!D388","v":386}]
[null,"Understanding money management","CYP know how to keep track of their money, and set and stick to a budget","Young people know how to use tools to help them budget (11-14)","ASK ALL WITH A BANK/B.S. ACCOUNT:\nWhich of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)\n\nASK ALL WITH MONEY (CODES 2-6 at first question): \nDo you know how much money you have in total? (IF HAVE BANK ACCOUNT INSERT [“including in your bank”])\nSC\n1. No \n2. Yes, roughly\n3. Yes exactly\n\n\nHow do you keep track of the money you get and the money you spend?\nMULTI\n\nOnline budgeting tool\nOnline bank account\nSpreadsheet\nPiece of paper\nIn my head (mentally)\nChecking my bank balance at a cash machine\nReviewing my bank statements\nOn a mobile app\nI don't keep track\nDon't know","Y","N",{"$f":"Questions!D389","v":387}]
[null,"Understanding money management","CYP know how to keep track of their money, and set and stick to a budget","Young people know how to check a bank balance and read a bank statement (7-11, 11-14)","BSQ: Looking at this example of a bank statement, how much money was in the account at the end of February? \nPlease type in your answer to nearest pound__________________\n\n","Y","Y-BSQ",{"$f":"Questions!D390","v":388}]
[null,"Understanding money management","CYP know how to keep track of their money, and set and stick to a budget","Young people know they need to keep information about their current and savings accounts safe (7-11, 11-14)","If have a bank account:\n\nDoes your bank account come with a card you can use to get cash from a cash point?\nYes \nNo\nDon't know\n\n{If yes} Who looks after your bank card?\n1. You\n2. Someone else (e.g. your parents or other)\n\n{if you} Which of the following should you do to keep your bank card PIN safe? Please select all the answers you think are correct\n1. Write down your PIN and keep it in your wallet in case you forget it\n2. Tell your best friend your PIN in case you forget it\n3. Keep your PIN secret from everyone\n4. Hide the keypad when you are entering your PIN at a cash point or shop\n5. Change your PIN if you think someone may have seen it\n\n Please say true or false to each statement (True/False/ Don’t know)\n1. It is important to keep your bank details, PIN and passwords secret.\n2. Your bank may email you sometimes to ask for your PIN. \n3. Criminals often pretend to be banks or other organisations to scam people\n4. Official people, like banks and police officers,  never ask for bank details (like your PIN) by phone or email\n5. Criminals can copy bank cards by using machines that look like ATMs or card payment machines\n6. It is always safe to use a cash machine, even if it looks damaged or unusual",0,"N",{"$f":"Questions!D391","v":389}]
[null,"Understanding money management","CYP know how to save up for things they want and why it is good to save","Young people know how to make deposits into a bank account (7-11, 11-14)","Which of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)\n\nASK ALL WITH MONEY (CODES 2-6 at first question):  \nWhen you get money,  how often do you save at least some of it, [say by putting it in a piggy bank or cash box or into your bank account]?\nSELECT ONE ONLY\n1. Every time I get money\n2. Most times I get money\n3. Sometimes\n4. Never\n5. Don’t know ","Y (first Q)","N",{"$f":"Questions!D392","v":390}]
[null,"Understanding money management","CYP know how to save up for things they want and why it is good to save","Young people understand why saving money for something you want to buy is important (7-11, 11-14)","Why is it good to save up for something you want to buy?\n1. Saving up for things yourself will help you learn money management for when you are older (2 points)\n2.  Other people may not have money to spare/ they may get irritated if you ask them for money (1 point)\n3. Saving up for something will mean you are less likely to make 'impulse buys'/ makes you more likely to buy thing you really want or need (1 point)\n4. You can spend the money you have saved on something else if youwant to\n4. To stop you getting into debt  (2 point)\n",0,"N",{"$f":"Questions!D393","v":391}]
[null,"Understanding money management","CYP know how to save up for things they want and why it is good to save","Young people understand why saving money for something you want to buy is important (7-11, 11-14)","Tristan  goes to a shop with his parents. He sees a cap he would really like to buy. The cap costs £15.  Tristan only has £10 right now, but next week he will get his pocket money.  Should Tristan:\n1. Ask his parents for more money so he can buy the cap now, or\n2. Buy the cap next week when he gets his pocket money\n\nWhat would you do in Tristan's situation?\n1. Ask your parents for the money so you can buy the cap straight away\n2. Buy the cap in a weeks time when you have more money\n",0,"N",{"$f":"Questions!D394","v":392}]
[null,"Understanding money management","CYP know how to save up for things they want and why it is good to save","Young people understand the value of saving for the future","How important do you think it is for you to save-up your money for the future in general?\n1. Very important\n2. Quite important\n3. Not that important \n4. Not important at all \n\nOR\n\n1. Very important\n2. Fairly important\n3. Neither important not unimportant\n4. Fairly unimportant\n5. Very unimportant",0,"N",{"$f":"Questions!D395","v":393}]
[null,"Understanding money management","CYP are aware of scams and fraud and know how to protect themselves from it","Young people understand about the different types of scams and identity theft, and know how to protect themselves from it (11-14)","Please say true or false to each statement (True/False/ Don’t know)\n1. It is important to keep your bank details, PIN and passwords secret.\n2. Your bank may email you sometimes to ask for your PIN. \n3. Criminals often pretend to be banks or other organisations to scam people\n4. Official people, like banks and police officers,  never ask for bank details (like your PIN) by phone or email\n5. Criminals can copy bank cards by using machines that look like ATMs or card payment machines\n6. It is always safe to use a cash machine, even if it looks damaged or unusual\n\n\nTo what extent do you agree or disagree with each of these statements? \n\n- I never open attachments from unknown email senders \n- I always lock my phone/ tablet/ laptop when I am not using it\n- I pick passwords  that will be difficult to break (long ones with both numbers and letters)\n– I never tell other people what my passwords are\n- I have anti-virus software  on my computer\n- I am careful about what information I publish about myself online and on social media\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know ",0,"N",{"$f":"Questions!D396","v":394}]
[null,"Understanding money management","CYP can apply their numeracy skills to financial issues","Young people can calculate what interest they would be paid or would owe if their saved or borrowed money (7-11, 11-14)","Suppose you put £100 into a savings account with a guaranteed interest rate of 2% per year. You don’t make any further payments into this account and you don’t withdraw any money.\nHow much would be in the account at the end of the first year, once the interest payment is made?   \nENTER AMOUNT\n Don’t know\n","Y","N",{"$f":"Questions!D397","v":395}]
[null,"Understanding money management","CYP can apply their numeracy skills to financial issues","Young people can calculate the impact of inflation and depreciation on their money","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?\n(SC)\n\n1. More\n2. The same\n3. Less\n4. Don’t know","Y","N",{"$f":"Questions!D398","v":396}]
[null,"Understanding money management","CYP can apply their numeracy skills to financial issues","Young people can work out how long they will need to save for to be able to buy something if they are saving a set amount a week (7-11, 11-14)","Greg gets £6.00 a week pocket money. How long would it take Greg to save up his pocket money to buy something that costs £26?\n\n",0,"N",{"$f":"Questions!D399","v":397}]
[null,"Understanding money management","CYP know where to get good advice and information on money management","Young people know how, where and when to seek advice about their current and future financial circumstances (11-14)","If you needed advice about money, who would you ask?\n\nMULTI\n\nI do not ask for advice about money (SC)\nMy parents or carers\nMy friends\nMy teachers\nOther family members\nOther adults\nOnline (for example - Youtube, Money Saving Expert)\nA bank, building society or other financial organisation\nTV programmes\nDon't know (SC)","Y","N",{"$f":"Questions!D400","v":398}]
[null,"Understanding money management","CYP know where to get good advice and information on money management","Young people know how, where and when to seek advice about their current and future financial circumstances (11-14)","And who would be the most useful?\n\nSINGLE\n\nMy parents or carers\nMy friends\nMy teachers\nOther family members\nOther adults\nOnline (for example - Youtube, Money Saving Expert)\nA bank, building society or other financial organisation\nTV programmes\nDon't know\nNone of them would give useful advice","Y","N",{"$f":"Questions!D401","v":399}]
[null,"Understanding the role of money in society","CYP understand the different sources of money","Young people understand that being financially independent and having their own source of income is an important part of being an adult (7-11, 11-14)","How important is it to you ... \n\n… to get a job when you finish education? \n… to not need  your parents' money when you are an adult (to be independant)? \n\n1. Very important\n2. Fairly important \n3. Not really important\n4. Not at all important \n",0,"N",{"$f":"Questions!D402","v":400}]
[null,"Understanding the role of money in society","CYP understand the different sources of money","Young people understand that the choices they make around education and work will affect the amount of money they have in adulthood (7-11, 11-14)","Which of these statements is true?\n                                                                                                   \n1. Young people who do well at school will find it easier to get well-paid jobs when they grow up\n2. It doesn't matter how well you do at school, you will find a well-paid job if you look hard",0,"N",{"$f":"Questions!D403","v":401}]
[null,"Understanding the role of money in society","CYP understand the different sources of money","Young people understand that different education & training options (eg. going to university or doing an apprenticeship) have different financial implications in both the short and longer term (11-14)","Which of these statements is true?\n                                                                                                   \n1. Young people who do well at school will find it easier to get well-paid jobs when they grow up\n2. It doesn't matter how well you do at school, you will find a well-paid job if you look hard",0,"N",{"$f":"Questions!D404","v":402}]
[null,"Understanding the role of money in society","CYP understand the different sources of money","Young people understand the role of the welfare system, including that benefit payments exist for people when they are unwell or unemployed and looking for work","Please indicate whether the following statements are true or false?\n\n\n1. The welfare system exists to support everyone in society\n2.  It's possible to receive money from the government if you choose not to work\n3. The welfare system only supports children and older people\n4. People who are unemployed and looking for work are entitled to benefit payments\n5. You can only receive benefit payments if you've paid taxes in the past\n6. The welfare system will give you money whenever you feel ill\n7. People can claim benefits payments if they are too unwell to work\n\nTrue\nFalse\nDon't know",0,"N",{"$f":"Questions!D405","v":403}]
[null,"Understanding the role of money in society","CYP understand that companies exist to make money","Young people understand the different ways that companies try to influence their spending, including through advertising, marketing, product placement and celebrity endorsements (11-14)","Now a little quiz:\nCompanies use lots of different ways to get people to spend money on their goods and services. Can you match some of these ways to their names? \n\n1. Advertising\n2. Marketing\n3. Product placement\n4. Celebrity endorsements\n\n\n- Placing images and examples of a product where lots of people can see it (e.g. on TV, in magazines or on social media)\n- The process of transferring goods and services from the seller to the buyer\n- Promoting goods and services through films, television or social media (e.g. someone using a certain type of smart phone in a film)\n- Paying someone famous to put their name and face to goods and services and help to sell them\n\n(if online) Drag & drop\n(if on paper) Draw a line between description and name",0,"N",{"$f":"Questions!D406","v":404}]
[null,"Understanding the role of money in society","CYP understand how taxes are collected and what they are used for","Young people understand that National Insurance and Income Tax is deducted from the money people earn to pay for public services (11-14)","Tax is money that the Government takes from the money that people earn. What is tax for?\n\nTo pay for things like hospitals and roads\nTo make sure people don't earn too much\nTo pay for lottery prizes\nTo pay for police and schools\nTo pay for supermarkets\n",0,"N",{"$f":"Questions!D407","v":405}]
[null,"Understanding the role of money in society","CYP understand how taxes are collected and what they are used for","Young people understand that National Insurance and Income Tax is deducted from the money people earn to pay for public services (11-14)","The amount of money people take home from their job is less  than they actually earn. Which of the following best describes why this is?\n\n1.  National insurance and income tax\n2.  Income tax, property tax and private medical insurance contributions\n3.  National insurance, share options in a business, VAT (value added tax )\n4. National insurance, income tax and student loan repayments",0,"N",{"$f":"Questions!D408","v":406}]
[null,"Understanding the role of money in society","CYP understand how taxes are collected and what they are used for","Young people understand that people have a tax free allowance and don't pay Income Tax on a portion of what they earn (11-14)","Do adults always have to pay tax on the income they earn?\n1. Yes\n2. No\n3. Don’t know\n\n\nThe first part of the money your earn is tax free. \n1. True \n2. False \n\nIf the income you make from all sources is under £11, 000 do you have to pay Income Tax on it?\n1. Yes\n2. No\n3. Don’t know\n",0,"N",{"$f":"Questions!D409","v":407}]
[null,"Understanding the role of money in society","CYP understand how taxes are collected and what they are used for","Young people understand that people have a tax free allowance and don't pay Income Tax on a portion of what they earn (11-14)","Here are some examples of sources on income. On which ones do people have to pay tax? Select all that apply\n1. Wages/salary from work\n2. Tips or bonuses from work\n3. Interest on savings in an ISA\n4. All of these\n5. Don’t know",0,"N",{"$f":"Questions!D410","v":408}]
[null,"Basic skills","CYP have good literacy skills","Young people perform at age appropriate levels in standardised literacy tests","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)",0,"N",{"$f":"Questions!D412","v":410}]
[null,"Basic skills","CYP have good numeracy skills","Young people perform at age appropriate levels in standardised numeracy tests","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)",0,"N",{"$f":"Questions!D413","v":411}]
[null,"Basic skills","CYP have good problem solving skills","Young people can identify and understand a problem","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)",0,"N",{"$f":"Questions!D414","v":412}]
[null,"Basic skills","CYP have good problem solving skills","Young people can plan ways to solve a problem","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)",0,"N",{"$f":"Questions!D415","v":413}]
[null,"Basic skills","CYP have good problem solving skills","Young people can monitor progress in tackling a problem","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)",0,"N",{"$f":"Questions!D416","v":414}]
[null,"Basic skills","CYP have good problem solving skills","Young people can review solutions to problems and modify them if necessary","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)",0,"N",{"$f":"Questions!D417","v":415}]
[null,"Other","Wellbeing",null,"To what extent do you agree with the following\n\nThinking about money makes me anxious\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know","Y","N",{"$f":"Questions!D418","v":416}]

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[]
[]
[]
[null,"Children, young people and parents Outcome Framework"]
[null,"16-18 yrs"]
[null,"Please select the first question for each indicator"]
[]
[null,"Higher level outcome","Lower level outcome","Indicator","Question",{"$f":"'5'!F8","v":"CYP \nFinCap"},"Picture \nQuestion","Question"]
[null,null,"CYP have their own regular source of money","Young people receive a regular income (eg. an allowance from their family or from a job) (14-16)","Where do you get your money from? \nMULTI\n1. I do not get any money from my parents or other people – SC\n2. Pocket money or allowance from my parents or carers\n3. From my parents or carers as a reward for doing something\n4. Pocket money from other members of my family \n5. Birthdays, Christmas or special occasions\n6. From work or a part-time job such as delivering papers\n7. Through selling things online or somewhere else\n8. Benefits payments\n9. Other (Please write in)\n\nASK ALL WITH POCKET MONEY (CODES 2 and 4 above): \nDo you receive the same amount of pocket money/allowance each week/month? \n1. Yes, the same\n2. No, it varies\n3. Don’t know","Y","N",{"$f":"Questions!D419","v":417}]
[null,"Managing your money well day-to-day",null,"Young people keep information about their current and savings accounts safe (7-11, 11-14, 14-16)","A bank account is somewhere people can keep their money rather than keeping it at home. Credit union and building society accounts are like bank accounts, if you have a credit union or building society account you should answer yes to this question. Do you have a bank account of your own?\n\nSC\n1. Yes\n2. No\n3. I don’t know if I have one\n\nIF HAVE A BANK ACCOUNT:\nDo you have any of the following wth your bank account? Pick all that apply\nPlastic card\nPIN (number)\nBank book\nAbility to access your account online\nNone of these\n\nIF HAVE A BANK BOOK OR CARD\nWhere do you keep your bank card or bank book? You can pick more than one answer.\nIn my purse/wallet\nMy parents keep it\nIn a safe place at home\nSomewhere else\nI don't have a special place where I keep this/these items\n\nIF HAVE A PIN NUMBER\nDo you keep your PIN number written down so you remember it?  You can pick all that apply\nYes, in my purse/wallet\nYes, at home\nYes, stored on a computer, tablet or phone\nNo, I just remember it in my head \nI don't use my PIN number/I have forgotten it\n\nIF HAVE AN ONLINE ACCOUNT\nDo you keep your online bank account login details written down so you remember them? You can pick all that apply\nYes, in my purse/wallet\nYes, at home\nYes, stored on a computer, tablet or phone\nNo, I just remember it in my head \nI don't use my online bank account/I have forgotten how to log in","Y (first Q)","N",{"$f":"Questions!D420","v":418}]
[null,"Managing your money well day-to-day",null,"Young people have money saved up (5-7, 7-11, 11-14)","Do you know how much money you have in total? (IF HAVE BANK ACCOUNT INSERT [“including in your bank”])\nSC\n1. No \n2. Yes, roughly\n3. Yes exactly\n\n\nASK ALL WITH MONEY (CODES 2-6 at frist question):  \nWhen you get money, how often do you save at least some of it, [say by putting it in a cash box or into your bank account]?\nSELECT ONE ONLY\n1. Every time I get money\n2. Most times I get money\n3. Sometimes\n4. Never\n5. Don’t know","Y","N",{"$f":"Questions!D421","v":419}]
[null,"Managing your money well day-to-day",null,"Young people know how much money they have (inluding savings) and keep track of their spending, including by checking bank statements / online banking  (7-11, 11-14, 14-16)","ASK ALL WITH MONEY (CODES 2-6 at first question): \nDo you know how much money you have in total? (IF HAVE BANK ACCOUNT, including in your bank)\n1. No \n2. Yes, roughly\n3. Yes exactly\n\nWhich of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)\n\n\n\nHow do you keep track of the money you get and the money you spend?\nMULTI\n\nOnline budgeting tool\nOnline bank account\nSpreadsheet\nPiece of paper\nIn my head (mentally)\nChecking my bank balance at a cash machine\nReviewing my bank statements\nOn a mobile app\nI don't keep track\nDon't know","Y","N",{"$f":"Questions!D422","v":420}]
[null,"Managing your money well day-to-day",null,"Young people set themselves a budget that's appropriate and realistic for their circumstances and stick to it","Do you ever make a plan on how you will spend and save your money? For example by setting yourself a budget.\nCHOOSE ONE ONLY\n1. Yes\n2. No\n\n{If yes}\nAnd, how often do you keep to your plan or budget?\nCHOOSE ONE ONLY\nNever\nRarely\nSometimes\nOften\nDon't know",0,"N",{"$f":"Questions!D423","v":421}]
[null,"Managing your money well day-to-day",null,"Young people make complex choices about how to spend their money that are based on their needs and on value for money (11-14, 14-16)","When you want to buy something for yourself, how often... \nNever\nRarely\nSometimes\nOften\nDon't know\n\n...  do you think about whether your friends would approve of the item?\n...  do think about how much money you will have left to spend on other things?\n...  do think about how attractive or cool the item is?\n...  do think about how long the item will last?\n...  do think about whether the item is good value for money?\n... do you think about whether you should save your money for another day?","Y (some options)","N",{"$f":"Questions!D424","v":422}]
[null,"Managing your money well day-to-day",null,"Young people shop around to get the best deal for things that they need (7-11, 11-14, 14-16)","When you want to buy something for yourself, how often... do  you look in different places or stores to compare prices?\nNever\nRarely\nSometimes\nOften\nDon't know","Y","N",{"$f":"Questions!D425","v":423}]
[null,"Managing your money well day-to-day",null,"Young people save up for bigger things they want to buy (eg a holiday or a car) and can save over a longer time period (at least a year) (14-16)","What is the longest time you have saved up for? (for example to buy something you wanted)\nSC\n1. I haven’t saved up money before\n2. Less than a week\n3. More than a week but less than month\n4. More than a month but less than a year\n5. More than a year\n6. Don’t know\n","Y","N",{"$f":"Questions!D426","v":424}]
[null,"Managing your money well day-to-day",null,"Young people talk about money with friends and family openly (5-7, 7-11, 11-14, 14-16)","Do you talk about your money with any of the following people?\n\nMULTI\n\nI never talk about money (SC)\nFriends\nParents or carers\nTeachers\nMy brothers and sisters\nGrandparents or other family members\nDon't know (SC)","Y","N",{"$f":"Questions!D427","v":425}]
[null,"Managing your money well day-to-day",null,"Young people claim any benefits to which they are entitled","When did you last do each of the following things?:\n- Checked whether you are receiving all the benefits, tax credits or pension that you are entitled to\n- Applied for new or additional benefits that you are entitled to\n- Increased or tried to increase your income in some other way (e.g. applied for a job, claimed grants)\nCHOOSE ONE FOR EACH\n1. Within the last month\n2. Between one and three months ago\n3. Between three and six months ago\n4. Between six and one year ago\n5. Between one and five years ago\n6. More than five years ago\n7. Never (SINGLE CODE ONLY)\n8. Not applicable - don't have or need this (SINGLE CODE ONLY)",0,"N",{"$f":"Questions!D428","v":426}]
[null,"Preparing for and managing life events",null,"Young people have appropriate insurance","Which, if any, of the following types of insurance do you have? \nCHOOSE ALL THAT APPLY\n1.  Home insurance (covering contents and/or the building)\n2. Insurance for specific items (e.g. mobile phone)\n3. Anther type of insurance\n4. None of these (SINGLE CODE ONLY)",0,"N",{"$f":"Questions!D429","v":427}]
[null,"Access to and use of financial products and advice","CYP have access to their own financial products from a young age","Young people have access to their own current account (at a bank, building society, credit union, etc.) (7-11, 11-14, 14-16)","A bank account is somewhere people can keep their money rather than keeping it at home. Credit union and building society accounts are like bank accounts, if you have a credit union or building society account you should answer yes to this question. Do you have a bank account of your own?\n\nSC\n1. Yes\n2. No\n3. I don’t know if I have one\n\nASK ALL WITH A BANK/BS ACCOUNT (CODE 1 above): \nDo you know what type of bank account you have? Is it a….\nSINGLE CODE\n1. Current account\n2. Savings account\n3. I have both a current and a savings account\n4. I don’t know what type of bank account I have","Y","N",{"$f":"Questions!D430","v":428}]
[null,"Access to and use of financial products and advice","CYP have access to their own financial products from a young age","Young people have access to and use a debit card linked to their current account (11-14, 14-16)","ASK ALL WITH A BANK ACCOUNT:\nWhich of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)\n","Y","N",{"$f":"Questions!D431","v":429}]
[null,"Access to and use of financial products and advice","CYP have access to their own financial products from a young age","Young people have access to and manage their own savings account (at a bank, building society, credit union etc) (7-11, 11-14, 14-16)","A bank account is somewhere people can keep their money rather than keeping it at home. Credit union and building society accounts are like bank accounts, if you have a credit union or building society account you should answer yes to this question. Do you have a bank account of your own?\n\nSC\n1. Yes\n2. No\n3. I don’t know if I have one\n\nASK ALL WITH A BANK/BS ACCOUNT (CODE 1 above): \nDo you know what type of bank account you have? Is it a….\nSINGLE CODE\n1. Current account\n2. Savings account\n3. I have both a current and a savings account\n4. I don’t know what type of bank account I have","Y","N",{"$f":"Questions!D432","v":430}]
[null,"Access to and use of financial products and advice","CYP have access to their own financial products from a young age","Young people have the physical ability to access appropriate financial products which meet their needs via appropriate channels","How easy or difficult is it for you to do each of the folllowing things?\nCHOOSE ONE ONLY FOR EACH\n- Get to a Post Office using your normal forms of transport\n- Get to a Cash point using your normal forms of transport\n- Get to a Bank, building society or credit union using your normal forms of transport\n- Receive confidential financial documents by post, such as a payment card or chequebook\n\n1.Very easy\n2.Quite easy\n3.Quite difficult\n4.Very difficult\n5.Unable to go\n6.Do not wish to go",0,"N",{"$f":"Questions!D433","v":431}]
[null,"Access to and use of financial products and advice","CYP have access to their own financial products from a young age","Young people have the technical ability to access appropriate financial products which meet their needs via appropriate channels","In which of the following ways, if any, can or do you use the internet when you need to access information about money or your finances?\nCHOOSE ALL THAT APPLY\n1. At home, using a computer or laptop\n2. At home, using a mobile phone, tablet or internet-enabled TV\n3. At work, college or at a friend or relative's home\n4. In a library, community centre or other public setting\n5. Somewhere else\n6. Do not use the internet",0,"N",{"$f":"Questions!D434","v":432}]
[null,"Access to and use of financial products and advice","CYP are given experience of choosing their own financial products","Young people choose and set up their own current and savings accounts or have been involved in the decision-making","How involved are you in the following decisions about your money? \n(Fully involved / Partly involved / Not at all involved)\n\nChoosing my bank or savings account",0,"N",{"$f":"Questions!D435","v":433}]
[null,"Access to and use of financial products and advice","CYP are given experience of choosing their own financial products","Young people choose and set up their own mobile phone provider and package (if they own a mobile phone)","Do you get to have a choice in?\n \nThe cost of your mobile phone call and data package \n\n1. Yes\n2. No\n3. Don't know\n4. I don’t have a mobile phone\n\n\n","Y","N",{"$f":"Questions!D436","v":434}]
[null,"Access to and use of financial products and advice","CYP receive advice and guidance about money as well as wider life goals","Young people receive money advice and guidance from their family, teachers and other appropriate sources around money (11-14, 14-16)","How often do your parents or carers teach you about  money and spending?\nNever\nRarely\nSometimes\nOften\nDon't know\n\nHow often do your teachers teach you about  money and spending?\nNever\nRarely\nSometimes\nOften\nDon't know",0,"N",{"$f":"Questions!D437","v":435}]
[null,"Access to and use of financial products and advice","CYP receive advice and guidance about money as well as wider life goals","Young people receive money advice and guidance from their family, teachers and other appropriate sources around money (11-14, 14-16)","If you needed advice about money, who would you ask?\n\nPlease select all that apply.\n\nMULTICODE ALLOWED\n\nMy parents\nMy friends\nMy teachers\nOther family members (write in)\nInternet site (write in)\nA bank, building society or other financial organisation\nTV programmes (write in)\nOther (write in)\nI do not ask for advice about money\n\nHave you learnt about how to manage your money in school or college?\n(SINGLE)\n\nYes\nNo\nNot sure or don't remember\n\nWhich subjects did you learn how to manage your money in?\nMULTI\n\nMaths\nPSHE\nCitizenship\nBusiness & Finance\nEnterprise\nOther (please specify)\nDon't know","Y","N",{"$f":"Questions!D438","v":436}]
[null,"Access to and use of financial products and advice","CYP receive advice and guidance about money as well as wider life goals","Young people receive advice and guidance from their family, teachers and other appropriate sources on their education and career options (11-14, 14-16)","How confident are you that you know who to turn to for advice about education and careers?\n1. Very confident\n2. Fairly confident\n3. Not very confident\n4. Not at all confident\n\n\nWhich of the following people have given you advice about your education and career options. Select all that apply:\n1. Parents\n2. Siblings\n3. Other family members\n4. Friends\n5. A careers adviser or careers teacher at school\n6. Other teachers at school\n7. A Connexions personal adviser\n8. Someone else at Connexions\n9. Someone else (Please specify______)",0,"N",{"$f":"Questions!D439","v":437}]
[null,"Access to and use of financial products and advice","CYP receive advice and guidance about money as well as wider life goals","Young people know where to go for advice and guidance on finance options to fund further education (14-16)","If you needed advice and information about the different options for paying for education in the future where would you go?\nPlease select all that apply.\n\n1. My parents\n2. My friends\n3. Other family members (write in)\n4. My teachers/my school or college\n5. Internet site (write in)\n6. A bank, building society or other financial organisation\n7. TV programmes (write in)\n8. Other (write in)\n9. I haven't thought about this yet\n10. I don't need this kind of advice or information",0,"N",{"$f":"Questions!D440","v":438}]
[null,"Access to and use of financial products and advice","CYP receive advice and guidance about money as well as wider life goals","Young people have the physical ability to access financial advice, guidance and tools which meet their needs in a form and language they can understand, and channel they can use effectively","How easy or difficult is it for you to do each of the following things?\nCHOOSE ONE ONLY FOR EACH\n-Get to a Citizens Advice Bureau or other advice agency using your normal forms of transport\n-Get to a Jobcentre Plus or local benefit office using your normal forms of transport\n-Use a telephone in private to discuss financial matters\n-Receive confidential financial information by post\n\n1.Very easy\n2.Quite easy\n3.Quite difficult\n4.Very difficult\n5.Unable to go\n6.Do not wish to go",0,"N",{"$f":"Questions!D441","v":439}]
[null,"Access to and use of financial products and advice","CYP receive advice and guidance about money as well as wider life goals","Young people have the technical ability to access financial advice, guidance and tools which meet their needs in a form and language they can understand, and channel they can use effectively","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",0,"N",{"$f":"Questions!D442","v":440}]
[null,"Exposure to family finances","CYP witness financial transactions and processes","Young people are aware of the range of regular household bills to be paid (e.g. rent/mortgage, gas, electricity, council tax) (14-16)","Which of the following things do most adults pay for, and which do most adults get for free?\n\nRent or mortgage\nElectricity or gas at home\nWater at home\nVisits to a GP or hospital\nCouncil tax\nInternet at home\nBorrowing a library book\n\nPay for\nGet for free\nDon't know","Y","N",{"$f":"Questions!D443","v":441}]
[null,"Exposure to family finances","CYP are involved in discussions and decisions about household spending","Young people are involved when everyday household spending decisions are being taken (eg. about the weekly shop) and trade-offs are being made (5-7, 7-11, 11-14, 14-16)","Do you get to have a choice in?\n \nFamily days out or holidays \nWhat to buy in the family food shop\n\n1. Yes\n2. No\n3. Don't know\n\n\n","Y","N",{"$f":"Questions!D444","v":442}]
[null,"Exposure to family finances","CYP are involved in discussions and decisions about household spending","Young people are involved when everyday household spending decisions are being taken (eg. about the weekly shop) and trade-offs are being made (5-7, 7-11, 11-14, 14-16)","\nHere are some things that people your age have said about money. How strongly do you agree or disagree with them\nROTATE STATEMENTS\nSelect one for each row\nMy parents or carers discuss with me what we can and can’t afford to buy\nI don't like it when my parents or carers say I cannot have things I see in shops\nI don’t like it when friends have things I don’t have\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know \n","Y","N",{"$f":"Questions!D445","v":443}]
[null,"Experience of managing your own money (and the risks that come with it)","CYP have their own regular source of money","Young people receive a regular income (eg. an allowance from their family or from a job) (14-16)","Where do you get your money from? \nMULTI\n1. I do not get any money from my parents or other people – SC\n2. Pocket money or allowance from my parents or carers\n3. From my parents or carers as a reward for doing something\n4. Pocket money from other members of my family \n5. Birthdays, Christmas or special occasions\n6. From work or a part-time job such as delivering papers\n7. Through selling things online or somewhere else\n8. Benefits payments\n9. Other (Please write in)\n\nASK ALL WITH POCKET MONEY (CODES 2 and 4 above): \nDo you receive the same amount of pocket money/allowance each week/month? \n1. Yes, the same\n2. No, it varies\n3. Don’t know","Y","N",{"$f":"Questions!D446","v":444}]
[null,"Experience of managing your own money (and the risks that come with it)","CYP have responsibility for managing their own money","Young people look after their money themselves (11-14, 14-16)","IF HAVE BANK ACCOUNT:\nCan you take money out of your bank account without your parents' permission? Y/N\n\nDo your parents control the amount of money you take out of your bank account? Y/N\n\nIF DO NOT HAVE BANK ACCOUNT\nCan you spend your own money without your parents' permission? Y/N\n\nDo your parents control the amount of money you spend? Y/N",0,"N",{"$f":"Questions!D447","v":445}]
[null,"Experience of managing your own money (and the risks that come with it)","CYP have responsibility for managing their own money","Young people make their own decisions about  how to spend or save their money  (5-7, 7-11, 11-14, 14-16)","When you have money, who usually decides whether you save any of it? \nSC\n\nMy parents or carers decide \nI decide\nWe both decide\nDon’t know\n\nWhen you have money, who usually decides what you spend it on?\nSC\n \nMy parents or carers decide\nI decide\nWe both decide\nDon’t know","Y","N",{"$f":"Questions!D448","v":446}]
[null,"Experience of managing your own money (and the risks that come with it)","CYP have responsibility for managing their own money","Young people are given responsibility for paying for things they need out of their own money eg. mobile phone, travel or toiletries (11-14, 14-16)","Do you have to pay for any of the following things you need out of your money? \nSINGLE PER ROW\n1. Non-school clothes and shoes\n3. Toiletries & cosmetics\n4. Snacks or sweets\n5. Presents for other people \n6. Toys or games or gadgets\n7. Going  out with your friends\n\nNo - my parents pay for this for me\nYes - I sometimes pay for this from my own money\nYes - I mainly pay for this from my own money","Y (amended version)","N",{"$f":"Questions!D449","v":447}]
[null,"Experience of managing your own money (and the risks that come with it)","CYP have experience of paying for goods and activities","Young people pay for things online (where able to) with their own money (such as apps, games or music) without supervision (14-16)","Have you ever bought something online by yourself?\n\nYes\nNo\nDon't know\n\nWhich of the following methods have you used to pay for things online?\n\nCash\nDebit card\nCredit card\nVoucher for an online shop\nOnline account (e.g. Paypal)\nOther (specify)\nI don't know how I paid for things online\nI don't pay for things online",0,"N",{"$f":"Questions!D450","v":448}]
[null,"Attitudes to money management (including spending, saving and borrowing)","CYP believe it's important to manage your money well and think carefully about how you spend it","Young people believe it is important to keep track of their money (7-11, 11-14, 14-16)","How important is it to check how much money you have?\n\nVery important\nQuite important\nNot very important\nNot at all important",0,"N",{"$f":"Questions!D451","v":449}]
[null,"Attitudes to money management (including spending, saving and borrowing)","CYP believe it's important to manage your money well and think carefully about how you spend it","Young people believe it is important to think carefully about what they spend their money on  (7-11, 11-14, 14-16)","Imagine you were given £5 to spend on a school trip. Would you plan how to spend the money and then stick to that plan? For example, would you work out how much you want to spend on different things like sweets or presents.\n1. Yes, I would make a plan and stick to it\n2. Yes, I would make a plan but would be unlikely to stick to it\n3. No, I wouldn’t make a plan\n4. Don’t know","Y","N",{"$f":"Questions!D452","v":450}]
[null,"Attitudes to money management (including spending, saving and borrowing)","CYP believe it's important to manage your money well and think carefully about how you spend it","Young people think it's important to shop around for things that they need and look for the best deals in order to make their money go further (7-11, 11-14, 14-16)","Imagine you need to buy a present. What do you do?\n\nGo to the nearest shop and buy the thing you want\nLook around a few different shops to see where it is cheapest\nLook online to find the cheapest price\nSomething else\nDon't know\n",0,"N",{"$f":"Questions!D453","v":451}]
[null,"Attitudes to money management (including spending, saving and borrowing)","CYP think it's good to plan for the future and save up for things","Young people prefer to plan for the future rather than live for the day when it comes to their money (14-16)","When it comes to money I prefer to live for today rather than plan for tomorrow' \n\nStrongly agree \nSlightly agree \nNeither agree nor disagree\nSlightly disagree \nStrongly disagree\nDon't know\n",0,"N",{"$f":"Questions!D454","v":452}]
[null,"Attitudes to money management (including spending, saving and borrowing)","CYP think it's good to plan for the future and save up for things","Young people think that saving money for larger purchases is important for them to do (11-14, 14-16)","Imagine you want to buy something expensive. How would you get the money?\n\nI would save some money every week or month for it\n\nI would borrow money from my friends or family\n\nMy parents or guardian would pay for it\n\nSomeone else in my family would pay for it\n\nI would just not buy it\n\nOther\n\nDon't know",0,"N",{"$f":"Questions!D455","v":453}]
[null,"Attitudes to money management (including spending, saving and borrowing)","CYP think it's good to plan for the future and save up for things","Young people think it's important for them to save for the future (14-16)","How important do you think it is for you to save-up your money for the future in general?\n\n\n1. Very important\n2. Fairly important\n3. Neither important not unimportant\n4. Fairly unimportant\n5. Very unimportant",0,"N",{"$f":"Questions!D456","v":454}]
[null,"Attitudes to money management (including spending, saving and borrowing)","CYP think it's good to plan for the future and save up for things","Young people think it's important for them to save for the future (14-16)","Imagine someone gives you £10. How much would you spend and how much would you save for later?   \n(if online) SLIDER SCALE – Save £10 to Spend £10 – use £1 increments\n(if on paper) Spend all of it; Spend more than half; Spend about half; Spend less than half; Save all of it\n\nImagine someone gives you £100. How much would you spend and how much would you save for later?   \n(if online) SLIDER SCALE – Save £100 to Spend £100 – use £1 increments\n(if on paper) Spend all of it; Spend more than half; Spend about half; Spend less than half; Save all of it\n","Y","N",{"$f":"Questions!D457","v":455}]
[null,"Attitudes to money management (including spending, saving and borrowing)","CYP have a cautious attitude to borrowing and debt","Young people believe it is important to think about the potential consequences of borrowing money including the impact if they can't pay it back (14-16)","Below are some things people your age have said about borrowing money. Which one best describes how you feel about borrowing money?\n\nSINGLE\n\nI'd rather not borrow money\nBorrowing money is OK, but only if I can pay it back\nBorrowing money does not bother me at all, even if I can't afford to pay it back\nI don't know","Y","N",{"$f":"Questions!D458","v":456}]
[null,"Attitudes to money management (including spending, saving and borrowing)","CYP have a cautious attitude to borrowing and debt","Young people believe it is important to think about the potential consequences of borrowing money including the impact if they can't pay it back (14-16)","Steve is 18 and is studying at college. One night his home is burgled and his laptop to stolen. He does not have insurance.\nSteve needs a laptop as soon as possible so he can do his course and his friends and family cannot help him buy a replacement. He has enough money in his savings account to pay for a cheap laptop. However, if he spends his savings on a laptop he won’t be able to go on holiday with his friends like he had planned. What should Steve do?\n1. Use the savings to buy a laptop\n2. Apply for a credit card and use this to buy a laptop\n3. Get an instant pay day loan and use this to buy a laptop\n4. Drop out of college\n\nWhat would you do if you were in this situation? [options as above]",0,"N",{"$f":"Questions!D459","v":457}]
[null,"Attitudes to money management (including spending, saving and borrowing)","CYP accept that they cannot have everything they want and that everyone has to make trade-offs with their money","Young people are able to abstain from/delay spending in order to live within their means and save for the future","How much do you agree or disagree with each of the following statements?  \n \n- I tend to buy things even when I can’t really afford them\n - I tend to live for today and let tomorrow take care of itself  \n - I find it more satisfying to spend money than to save it for the long term \n\n1. Strongly agree\n2. Slightly agree\n3. Neither agree nor disagree\n4. Slightly disagree\n5. Strongly disagree\n6. Don’t know",0,"N",{"$f":"Questions!D460","v":458}]
[null,"Attitudes to money management (including spending, saving and borrowing)","CYP accept that they cannot have everything they want and that everyone has to make trade-offs with their money","Young people don't regularly ask other people for things they want but cannot afford to buy with their own money (14-16)","How often do you ask your parents to buy you things you want but don’t really need (such as new games or fashionable clothes)?\n1. I do this a lot\n2. I do this sometimes\n3. I rarely do this\n4. I never do this\n5. Don’t know\n\nHow much do you agree or disagree with the following statement \"I often feel annoyed with my parents if they won't buy me things I ask for\"\nStrongly agree\nSlightly agree\nNeither agree nor disagree\nSlightly disagree \nStrongly disagree\nDon't know",0,"N",{"$f":"Questions!D461","v":459}]
[null,"Attitudes to money management (including spending, saving and borrowing)","CYP feel confident and in control of their financial situation","Young people feel confident to manage their own money (7-11, 11-14, 14-16)","How confident do you feel 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'","Y","N",{"$f":"Questions!D462","v":460}]
[null,"Attitudes to money management (including spending, saving and borrowing)","CYP feel confident and in control of their financial situation","Young people believe that they can influence and improve their own financial situation (now and in adulthood) through the choices they make (11-14, 14-16)","To what extent do you agree or disagree with the following\n\nNothing I do will make much difference to my money situation\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know","Y","N",{"$f":"Questions!D463","v":461}]
[null,"Attitudes to money management (including spending, saving and borrowing)","Attitudes to receiving money advice and guidance","Young people understand the value of financial advice and believe it can help them","How much do you agree or disagree with each of the following statements?  \n\n - Seeking financial advice seems too daunting \n - I think I would make better financial decisions with the help of advice\n -  I would feel too embarrassed to seek professional advice about money problems \n - When it comes to financial advice I don't know where to start. \n -  I can sort out my own money issues, without seeking advice \n - When it comes to choosing financial products (like savings accounts, insurance), I find there is not enough information out there that I can trust \n\n1. Strongly agree\n2. Slightly agree\n3. Neither agree nor disagree\n4. Slightly disagree\n5. Strongly disagree\n6. Don’t know\n",0,"N",{"$f":"Questions!D464","v":462}]
[null,"Money and values","CYP do not value themelves or others by their material possessions","When making friends, material possessions are not the most important factor for young people (7-11,11-14, 14-16)","Which of the following things would you look for in a new friend?:\n1. Whether they are clever\n2. Whether they are cool or attractive\n3. Whether they own cool things\n4. Whether they are funny\n5. Whether they have the same hobbies as you\n6. Whether they are rich\n7. None of the above",0,"N",{"$f":"Questions!D465","v":463}]
[null,"Money and values","CYP do not value themelves or others by their material possessions","Young people do not think that their possessions are the most important thing about them (7-11, 11-14, 14-16)","How important are each of the following to you (use importance scale listed above):\n1. Being popular at school\n2. Doing well in your school work\n3. Being viewed as cool or attractive\n4. Owning cool things\n5. Getting on well with your friends\n6. Getting on well with you family\n7. Being good at managing your money",0,"N",{"$f":"Questions!D466","v":464}]
[null,"Money and values","CYP feel comfortable talking openly about money with friends and family","Young people feel comfortable talking openly about money with friends and family (5-7, 7-11, 11-14, 14-16)","Do you talk about your money with any of the following people?\n\nMULTI\n\nI never talk about money (SC)\nFriends\nParents or carers\nTeachers\nMy brothers and sisters\nGrandparents or other family members\nDon't know (SC)","Y","N",{"$f":"Questions!D468","v":466}]
[null,"Aspirations and goals","CYP aspire to be good at managing their money","Young people want to be good at managing their money (5-7, 7-11, 11-14, 14-16)","How important are each of the following to you\n1. Being popular at school\n2. Doing well in your school work\n3. Being viewed as cool or attractive\n4. Owning cool things\n5. Getting on well with your friends\n6. Getting on well with you family\n7. Being good at managing your money \n\n1. Very important\n2. Fairly important\n3. Neither important not unimportant\n4. Fairly unimportant\n5. Very unimportant",0,"N",{"$f":"Questions!D469","v":467}]
[null,"Aspirations and goals","CYP have educational and career goals","Young people have goals around the education and qualifications they want to achieve (11-14, 14-16)","Which, if any, of the following goals would you like to achieve in the next 5 years?\n\nMULTICODE\n\nNothing, I have no goals for the next 5 years (SC)\nGet into university\nGo travelling\nGet a secure job when I leave education\nMove out of parents' home\nGet my own car\nNot rely on my parents for money\nGo on holiday with my friends\nStay in education past the age of 16 (11-15)\nGet good grades in my homework\nMake it into a sports team or music group or drama production\nStay in education\nI have other goals I would like to achieve","Y","N",{"$f":"Questions!D470","v":468}]
[null,"Aspirations and goals","CYP have educational and career goals","Young people have goals around the job they want to do when they leave education (11-14, 14-16)","How important to you is it that…\n...you  get a job when you finish education?\n...you are rich when you are a grown-up?\n\n\n1. Very important\n2. Fairly important\n3. Neither important not unimportant\n4. Fairly unimportant\n5. Very unimportant\n\nDo you have any idea what job you would like to have when you are older? \n1. Yes- I know exactly what I want to be\n2. I have some ideas but I am not 100% decided\n3. No- I don't know what job I would like",0,"N",{"$f":"Questions!D471","v":469}]
[null,"Aspirations and goals","CYP have educational and career goals","Young people have goals around the job they want to do when they leave education (11-14, 14-16)","{If 1 or 2 above} How likely are you to get the type of job you would like in the future?\n1. Very likely\n2. Somewhat likely\n3. Not very likely\n4. Not at all likely",0,"N",{"$f":"Questions!D472","v":470}]
[null,"Aspirations and goals","CYP have financial goals","Young people aspire to earn their own money as adults rather than rely on others for money (11-14, 14-16)","Do you agree or disagree with the following statements?\n                                                       Agree                    Disagree\n\n1. It's important to earn your own money\n2. I would like to be able to pay my own way as soon as I'm old enough\n3. It's fine to not earn money because others will make sure you have enough to get by\n4. I'm looking forward to having a job and my own money\n5. It's a good idea to get a part-time job when you are old enough to earn money rather than relying on your parents",0,"N",{"$f":"Questions!D473","v":471}]
[null,"Aspirations and goals","CYP have financial goals","Young people aspire to earn their own money as adults rather than rely on others for money (11-14, 14-16)","To what extent do you agree or disagree with the following\n\nHaving a job is the best way to be an independent person\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know","Y","N",{"$f":"Questions!D474","v":472}]
[null,"Aspirations and goals","CYP have financial goals","Young people aspire to earn their own money as adults rather than rely on others for money (11-14, 14-16)","At what age would you like to pay for your  home and bills rather than relying on your parents?\nWhen I am 16\nWhen I am 18\nWhen I am 21\nWhen I am 25\nWhen I am 30\nNever",0,"N",{"$f":"Questions!D475","v":473}]
[null,"Aspirations and goals","CYP have financial goals","Young people have a plan for saving up a certain amount of money so that they can pay for something that they want themselves (they have a savings goal) (5-7, 7-11, 11-14, 14-16)","Do you save money, for example at home in a money box or in a savings account? Please choose one answer.\na) Yes I save regularly\nb) Yes, but only occasionally\nc) No\n\n\nASK IF ANSWERED a or b for question above:\nPeople save for different reasons. Which of these statements best describes why you save? Please choose one answer.\na) I’m saving because my parents or guardians say it’s a good idea\nb) I’m saving up for a specific thing I want to buy\nc) I’m saving because I want to but not towards anything in particular\nd) I’m only saving because my parents or guardians make me\n",0,"N",{"$f":"Questions!D476","v":474}]
[null,"General mindset","CYP have self-esteem","Young people have a sense of their own value or worth","Do you think that your parents usually like to hear about your ideas? (Yes/No/Don't know)\n\nWhen you have to say things in front of teachers, do you usually feel shy? (Yes/No/Don't know)\n\nAre there lots of things about yourself you would like to change? (Yes/No/Don't know)\n\nI have high self-esteem (7 point scale from Not very true of me to Very true of me)","Y (second Q; third Q; fourth Q)","N",{"$f":"Questions!D477","v":475}]
[null,"General mindset","CYP have self-esteem","Young people have a sense of their own value or worth","Do you think that your parents usually like to hear about your ideas? (Yes/No/Don't know)\n\nWhen you have to say things in front of teachers, do you usually feel shy? (Yes/No/Don't know)\n\nAre there lots of things about yourself you would like to change? (Yes/No/Don't know)\n\nI have high self-esteem (7 point scale from Not very true of me to Very true of me)",0,"N",{"$f":"Questions!D478","v":476}]
[null,"General mindset","CYP have self-esteem","Young people have a sense of their own value or worth","Do you think that your parents usually like to hear about your ideas? (Yes/No/Don't know)\n\nWhen you have to say things in front of teachers, do you usually feel shy? (Yes/No/Don't know)\n\nAre there lots of things about yourself you would like to change? (Yes/No/Don't know)\n\nI have high self-esteem (7 point scale from Not very true of me to Very true of me)",0,"N",{"$f":"Questions!D479","v":477}]
[null,"General mindset","CYP have self-esteem","Young people have a sense of their own value or worth","Do you think that your parents usually like to hear about your ideas? (Yes/No/Don't know)\n\nWhen you have to say things in front of teachers, do you usually feel shy? (Yes/No/Don't know)\n\nAre there lots of things about yourself you would like to change? (Yes/No/Don't know)\n\nI have high self-esteem (7 point scale from Not very true of me to Very true of me)",0,"N",{"$f":"Questions!D480","v":478}]
[null,"General mindset","CYP display self-control/self-regulation","Children show appropriate behaviour","I often fight with other people\nVery much like me / Mostly like me / Somewhat like me / Not much like me / Not like me at all\n\nI get angry quickly\nVery much like me / Mostly like me / Somewhat like me / Not much like me / Not like me at all\n\nI sometimes take things belonging to other people\nVery much like me / Mostly like me / Somewhat like me / Not much like me / Not like me at all\n\nI am generally willing to do what is asked of me (e.g. by teachers or parents)\nVery much like me / Mostly like me / Somewhat like me / Not much like me / Not like me at all\n\nOther people say I tell lies\nVery much like me / Mostly like me / Somewhat like me / Not much like me / Not like me at all","Y (second Q; fourth Q)","N",{"$f":"Questions!D481","v":479}]
[null,"General mindset","CYP display self-control/self-regulation","Children show perseverance","Setbacks don’t discourage me. \nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all \n\nI finish whatever I begin. \nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all \n\nI persist (carry on) with work whether it is difficult or not. \nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all","Y (third Q)","N",{"$f":"Questions!D482","v":480}]
[null,"General mindset","CYP have self-efficacy","Young people believe they can improve their abilities through personal effort","Do you usually feel that it's almost useless to try in school/college because most students are cleverer than you? (Yes/No/Don't know)\n\nWhen someone is very angry with you is it impossible to make him your friend again? (Yes/No/Don't know)\n\nWhen bad things happen to you it is usually someone else's fault? (Yes/No/Don't know)\n\nWhen nice things happen to you is it only good luck? (Yes/No/Don't know)","Y (fourth Q)","N",{"$f":"Questions!D483","v":481}]
[null,"Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people know what current accounts are, how they work and the benefits of having them (11-14, 14-16)","Do you know what a bank account is?\n1. Yes\n2. No\n\n\nA bank account is somewhere people can keep their money rather than keeping it at home. Credit union and building society accounts are like bank accounts, if you have a credit union or building society account you should answer yes to this question. Do you have a bank account of your own?\n\nSC\n1. Yes\n2. No\n3. I don’t know if I have one\n\nASK ALL WITH A BANK ACCOUNT:\nWhich of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)","Y","N",{"$f":"Questions!D484","v":482}]
[null,"Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people know what current accounts are, how they work and the benefits of having them (11-14, 14-16)","Why is important to have a current account in your name?\n1. To receive payments for work and/or one off money from friends and family straight into my account\n2. To be able to pay for things myself\n3. To be able to withdraw cash if I need to\n4. To be able to set up Direct Debit for pay different bills (such as, my mobile phone bill)\n5. To be able to check my balance\n6. To be able to transfer money",0,"N",{"$f":"Questions!D485","v":483}]
[null,"Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people understand basic financial concepts and are able to answer basic questions around interest rates, loan types, investment, inflation etc.","Can you pick the word that best fits the description?\n\nThe amount the price of things in shops goes up by\n\nThe money that is added to savings by banks or building soceties\n\nThe money people pay to  government\n\nThe amount you get when you retire from working\n\nThe amount of money you have in your bank account\n\nInterest\nPension\nInflation\nBalance\nTax\nBenefit\nCredit\nDebit\nDon't know","Y","N",{"$f":"Questions!D486","v":484}]
[null,"Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people are aware of the different types of savings products available (eg. savings accounts, junior ISAs, child trust funds, etc.) and are aware of the pros and cons of each (11-14)","Before today, which of the following financial products had you heard of?\nCurrent account\nSavings account\nISAs\nChild trust funds or Junior ISAs\nWhich of the following do you have in your own name?\nCurrent account\nSavings account\nISAs\nChild trust funds or Junior ISAs\n\nPlease indicate whether you think the following statements are true or false (True/False/Don't Know)\nGaining interest on savings is a way of making your money grow\nAll banks have to give you the same level of interest on your savings\nCurrent accounts are usually used for day-to-day banking when you want to get money in and out easily\nSavings accounts usually give you higher rates of interest than current accounts\nYou might get a higher level of interest on a savings account if you  put in money every month\nISAs and junior ISAs are a type of savings account where do not have to pay tax on interest earned\nThere is no limit on the amount of money you can put into an ISA each year\n",0,"N",{"$f":"Questions!D487","v":485}]
[null,"Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people are aware of the various ways to borrow money as an adult and that these are associated with different levels of risk","When you are 18 you may be offered products to help your borrow money, which of these have you heard of?\n1. Credit card\n2. Store cards or store credit\n3. Bank loan\n4. Pay day loan\n5. Student loan\n6. Mortgage\n7. Overdraft\n8. None of the above\n\n{For each item named above}\nHow confident would you feel explaining to a friend what a [NAME OF CREDIT TYPE} is?\n1. Very confident\n2. Fairly confident\n3. Not very confident\n4. Not at all confident\n\nThe following questions are about borrowing money and buying things on credit.  Which of the following statements are true and which are false? (True/ False/ Don't know)\n1.  When you borrow money you will often be charged interest (you will pay back more than you borrow)\n2. All credit card providers charge the same rate of interest \n3. Generally, the quicker you can pay off a debt, the less interest you have to pay\n4. Pay day loans usually have lower interest rates than credit cards\n5.  It is easy to get away with not paying money back\n6. Some types of borrowing are more expensive than others\n7. You may be fined if you don't pay money back on time\n8. You may be fined if you use an overdraft that has not been agreed in advance with your bank",0,"N",{"$f":"Questions!D488","v":486}]
[null,"Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people understand the role of student loans and the way in which they work (14-16)","Student  loans are a cheap way to borrow money.\n\n1. Strongly agree\n2. Agree\n3. Neither agree nor disagree\n4. Disagree\n5. Strongly Disagree\n6. Don't know\n\n\nPlease indicate whether you think the following statements are True or False (True/False/Don't Know):\n1. Student loans are repaid based on what you earn after you graduate\n2.  You might not have to repay the full amount of the loan for example if you do not get a job after university\n3. Repayments are taken automatically from what you earn\n4. Student loans are cleared if they are not repaid within 30 years\n5. Student loans are a very expensive way of borrowing money compared to other loans\n6. Student loan repayments are collected by debt collectors\n7. You must always repay the full amount you borrowed with a student loan",0,"N",{"$f":"Questions!D489","v":487}]
[null,"Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people understand what insurance is for and where to go to access it (14-16)","Why  would someone buy insurance? Please choose all that apply:\n1. To cover the cost if they lose something\n2. To cover the cost if something they owned broke\n3. To cover the costs if something they owned got stolen\n4. To replace an older object (such as a mobile) with a new one\n5. To save for retirement\n\n\n\nPlease indicate whether you think the following statements are true or false (True/False/Don't Know)\n1. You can get better deals on insurance if you shop around\n2. If you own a car you must have car insurance to drive it\n3. If you own a mobile phone you are legally obliged to insure it\n4. All insurance policies have the same terms and conditions\n5. Insurers can refuse to pay for things depenfing on the terms and conditions\n",0,"N",{"$f":"Questions!D490","v":488}]
[null,"Understanding financial products and concepts","CYP understand financial products, concepts and language",null,"Which of the following can people buy insurance for? Choose all that apply\n1.  Mobile phone \n2. Home contents\n3. Car\n4. Pet\n5. Life insurance (to provide a cash pay-out if they die)\n6. Dental and medical (to provide private care if they get sick)\n7. Travel insurance (to cover holidays)",0,"N",{"$f":"Questions!D491","v":489}]
[null,"Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people know how to maintain a good credit record","What is a credit record? Pick the option that is the best description.\n1.  A credit card statement from a bank\n2. A store card bill \n3. A record showing your mobile phone history\n4. A record of all credit you have borrowed from different places (banks, stores, etc.) and whether this has been paid back \n\n\nWhich of the following things are important if you want to have a good credit record? Select all that apply\n\n1. Your education\n2. Whether you are a registered voter\n3. Whether you have a credit card\n4. Whether you pay your credit card on time \n5. Whether you have debts\n6. Whether you are registered with a G.P.",0,"N",{"$f":"Questions!D492","v":490}]
[null,"Understanding financial products and concepts","CYP understand how to choose financial products that meet their needs","Young people understand the things they need to think about when choosing between different current or savings accounts (eg. interest rates, how quickly and easily they can access the money, different account features etc.) (11-14, 14-16)","Which of these features should you think about when choosing a bank account?\nTick all that apply\n\n1. Having a cash card or debit card\n2. Ease of getting to the bank\n3. Whether my friends use the same bank\n4. Whether my parents use the same bank\n5. Whether you can bank online or through an app\n6. Interest rate on the money in the bank account\n7. Whether you can access your money straightaway\n8. How much money you can take out per day\n9. Overdraft facility and how much it is\n10. Introductory offers (e.g. free tickets/gadget)\n11. Monthly fee and how much it is\n12. Special features (e.g. mobile phone insurance)\n13. Other (please write in)",0,"N",{"$f":"Questions!D493","v":491}]
[null,"Understanding financial products and concepts","CYP understand how to choose financial products that meet their needs","Young people know useful strategies when selecting financial products such as comparing deals, reading the small print, switching providers and seeking advice (14-16)","The  next questions look at the sort of things people do when choosing financial products such as  bank account accounts or mobile phone tariffs. Please indicate whether you think the following statements are true or false (True/False/Don't Know)\n\n...You can get better deals on financial products if you shop around\n...It is important to read the terms and conditions before picking a  financial product. \n... Banks are legally obliged to tell me if my money could be doing better in another account\n... Mobile phone providers are legally obliged to tell me which tariff is best  for me\n ...You can often get better deals on financial products if you change provider regularly\n...Free neutral advice on choosing financial products is available, you just need to know where to find it",0,"N",{"$f":"Questions!D494","v":492}]
[null,"Understanding financial products and concepts","CYP understand how to choose financial products that meet their needs","Young people are aware that some saving and borrowing products have higher interest than others","Which of the following statements is true and which is false:\n\nIt doesn't matter what kind of savings account you have, the interest rate is the same at all banks\nThere are some financial products which will give you a higher interest rate\nIf you negotiate with the bank, you can get a higher interest rate on your savings\nAll the saving products within the same bank offer the same interest rate",0,"N",{"$f":"Questions!D495","v":493}]
[null,"Understanding money management","CYP understand the value of money","Young people can make spending decisions appropriate to their age based on their needs and priorities (14-16)","When you get money,  how often do you save at least some of it, [say by putting it in a piggy bank or cash box or into your bank account]?\nSELECT ONE ONLY\n1. Every time I get money\n2. Most times I get money\n3. Sometimes\n4. Never\n5. Don’t know \n\n[You said that you save some money every time/most times/some of the time you get money.] How often do you spend that oney on things you want?\nSC\n\nEvery time I get money\nMost times I get money\nSometimes\nNever\nDon't know","Y","N",{"$f":"Questions!D496","v":494}]
[null,"Understanding money management","CYP understand the value of money","Young people understand the difference between 'price' and 'value' and that some things are better value than others (7-11, 11-14, 14-16)","You are thinking of buying some new trainers.  Which of these comes closest to your view?\n\n1. It's best to buy a well-known, expensive, brand\n2. It is worth considering a less expensive brand if it offers the same quality\n3. It is best to choose the cheapest ones you can get even if they won't last quite as long",0,"N",{"$f":"Questions!D497","v":495}]
[null,"Understanding money management","CYP understand the value of money","Young people understand how to shop around to get the best value for money and why this is important (7-11, 11-14, 14-16)","How can you make sure you get a good deal when buying something?\n1. Buy the first thing you see\n2. Compare prices in different shops or online (1 point)\n3. Buy second hand (1 point)\n4. Buy non-branded goods (1 point)\n5. Only buy the things you really need (1 point)\n6. Wait for things you want to go on sale (1 point)\n7. Get someone else to buy it for you\n8. Don't know (0 points)\n\nWhy is it a good idea to shop around when picking where to buy something?\n\n1.  You can find the same thing for different prices in different shops (1 point)\n2. It is fun to shop around (0 point)\n3. Some shops sell better quality items compared to others(1 point)\n4. Shopping around can save you money (1 point)\n5. Don’t know (0 points)",0,"N",{"$f":"Questions!D498","v":496}]
[null,"Understanding money management","CYP know how to keep track of their money, and set and stick to a budget","Young people understand the principles of budgeting and can develop a budget suited to their needs","How do you keep track of the money you get and the money you spend?\nMULTI\n\nOnline budgeting tool\nOnline bank account\nSpreadsheet\nPiece of paper\nIn my head (mentally)\nChecking my bank balance at a cash machine\nReviewing my bank statements\nOn a mobile app\nI don't keep track\nDon't know","Y","N",{"$f":"Questions!D499","v":497}]
[null,"Understanding money management","CYP know how to keep track of their money, and set and stick to a budget","Young people understand the principles of budgeting and can develop a budget suited to their needs","Some people set a plan for how they will spend their money and others do not. Which of these comes closest to how you feel about money planning?\n\n1. It's best to record the money you have and everything you spend to make sure you don't run out of money\n2. It is a good idea to keep an eye on your spending but it's not worth worrying about a pound here and there\n3. It's too much effort to keep track of spending; if you run out of money you'll just have to wait until you get more",0,"N",{"$f":"Questions!D500","v":498}]
[null,"Understanding money management","CYP know how to keep track of their money, and set and stick to a budget","Young people know how to use tools to help them budget (11-14, 14-16, 16-18)","Which of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)\n\nASK ALL WITH MONEY (CODES 2-6 at first question): \nDo you know how much money you have in total? (IF HAVE BANK ACCOUNT INSERT [“including in your bank”])\nSC\n1. No \n2. Yes, roughly\n3. Yes exactly\n\n\nHow do you keep track of the money you get and the money you spend?\nMULTI\n\nOnline budgeting tool\nOnline bank account\nSpreadsheet\nPiece of paper\nIn my head (mentally)\nChecking my bank balance at a cash machine\nReviewing my bank statements\nOn a mobile app\nI don't keep track\nDon't know","Y","N",{"$f":"Questions!D501","v":499}]
[null,"Understanding money management","CYP know how to keep track of their money, and set and stick to a budget","Young people understand the costs of living independently","Which of the following things do most adults pay for, and which do most adults get for free?\n\nRent or mortgage\nElectricity or gas at home\nWater at home\nVisits to a GP or hospital\nCouncil tax\nInternet at home\nBorrowing a library book\n\nPay for\nGet for free\nDon't know","Y","N",{"$f":"Questions!D502","v":500}]
[null,"Understanding money management","CYP know how to keep track of their money, and set and stick to a budget","Young people know how to check a bank balance and read a bank statement (7-11, 11-14, 14-16)","BSQ: Looking at this example of a bank statement, how much money was in the account at the end of February? \nPlease type in your answer to nearest pound__________________","Y","Y-BSQ",{"$f":"Questions!D503","v":501}]
[null,"Understanding money management","CYP know how to keep track of their money, and set and stick to a budget","Young people know how to read a payslip and understand the tax and NI contributions","PSQ: Please look at this payslip and then answer the questions below. \nHow much has Sally paid towards her retirement so far this year?\n(SC)\n\n£100\n£320\n£2465.20\n£1000\n£200\nDon't know\n\nHow much was Sally paid this month before any tax or deductions were taken?\n(SC)\n\n£1950.88\n£2700\n£2000\n£27000\n£246.52\nDon't know","Y","Y-PSQ",{"$f":"Questions!D504","v":502}]
[null,"Understanding money management","CYP know how to keep track of their money, and set and stick to a budget","Young people know they need to keep information about their current and savings accounts safe (7-11, 11-14, 14-16)","If have a bank account:\n\n{If yes} Does your bank account come with a card you can use to get cash from a cash point?\nYes \nNo\nDon't know\n\n{If yes} Who looks after your bank card?\n1. You\n2. Someone else (e.g. your parents or other)\n\n{if you} Which of the following should you do to keep your bank card PIN number safe? Please select all the answers you think are correct\n1. Write down your PIN and keep it in your wallet in case you forget it\n2. Tell your best friend your PIN in case you forget it\n3. Keep your PIN secret from everyone\n4. Hide the keypad when you are entering your PIN number at a cash point or shop\n5. Change your PIN if you think someone may have seen it",0,"N",{"$f":"Questions!D505","v":503}]
[null,"Understanding money management","CYP know how to save up for things they want and why it is good to save","Young people know how to make deposits into a bank account (11-14, 14-16)","Which of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)\n\nASK ALL WITH MONEY (CODES 2-6 at first question):  \nWhen you get money,  how often do you save at least some of it, [say by putting it in a cash box or into your bank account]?\nSELECT ONE ONLY\n1. Every time I get money\n2. Most times I get money\n3. Sometimes\n4. Never\n5. Don’t know ","Y","N",{"$f":"Questions!D506","v":504}]
[null,"Understanding money management","CYP know how to save up for things they want and why it is good to save","Young people understand why saving money for something you want to buy is important (7-11, 11-14, 14-16)","Why is it good to save up for something you want to buy?\n1. Saving up for things yourself will help you learn money management for when you are older (2 points)\n2.  Other people may not have money to spare/ they may get irritated if you ask them for money (1 point)\n3. Saving up for something will mean you are less likely to make 'impulse buys'/ makes you more likely to buy thing you really want or need (1 point)\n4. You can spend the money you have saved on something else if youwant to\n4. To stop you getting into debt  (2 point)",0,"N",{"$f":"Questions!D507","v":505}]
[null,"Understanding money management","CYP know how to save up for things they want and why it is good to save","Young people understand why saving money for something you want to buy is important (7-11, 11-14, 14-16)","Tristan  goes to a shop with his parents. He sees a cap he would really like to buy. The cap costs £15.  Tristan only has £10 right now, but next week he will get his pocket money.  Should Tristan:\n1. Ask his parents for more money so he can buy the cap now: or\n2. Buy the cap next week when he gets his pocket money\n\nWhat would you do in Tristan's situation?\n1. Ask your parents for the money so you can buy the cap straight away\n2. Buy the cap in a weeks time when you have more money\n",0,"N",{"$f":"Questions!D508","v":506}]
[null,"Understanding money management","CYP know how to save up for things they want and why it is good to save","Young people understand the value of saving for the future (14-16)","How important do you think it is for you to save-up your money for the future in general?\n\n1. Very important\n2. Fairly important\n3. Neither important not unimportant\n4. Fairly unimportant\n5. Very unimportant",0,"N",{"$f":"Questions!D509","v":507}]
[null,"Understanding money management","CYP are aware of scams and fraud and know how to protect themselves from it","Young people understand the main types of financial fraud and how to protect themselves from it","Please say true or false to each statement (True/False/ Don’t know)\n1. It is important to keep your bank details, PIN and passwords secret.\n2. Your bank may email you sometimes to ask for your PIN. \n3. Criminals often pretend to be banks or other organisations to scam people\n4. Official people, like banks and police officers,  never ask for bank details (like your PIN) by phone or email\n5. Criminals can copy bank cards by using machines that look like ATMs or card payment machines\n6. It is always safe to use a cash machine, even if it looks damaged or unusual\n\n\nTo what extent do you agree or disagree with each of these statements? \n\n- I never open attachments from unknown email senders \n- I always lock my phone/ tablet/ laptop when I am not using it\n- I pick passwords  that will be difficult to break (long ones with both numbers and letters)\n– I never tell other people what my passwords are\n- I have anti-virus software  on my computer\n- I am careful about what information I publish about myself online and on social media\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know",0,"N",{"$f":"Questions!D510","v":508}]
[null,"Understanding money management","CYP can apply their numeracy skills to financial issues","Young people can calculate what interest they would be paid or would owe if their saved or borrowed money (7-11, 11-14, 14-16)","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.\nHow much would be in the account at the end of the first year, once the interest payment is made?   \nENTER AMOUNT\n Don’t know\n","Y","N",{"$f":"Questions!D511","v":509}]
[null,"Understanding money management","CYP can apply their numeracy skills to financial issues","Young people can understand the impact of inflation and depreciation on their money (14-16)","If the inflation rate is 5% and the interest rate you get on your savings is 3%, will your savings have more, less or the same amount of buying power in a year’s time?\n(SC)\n\n1. More\n2. The same\n3. Less\n4. Don’t know","Y","N",{"$f":"Questions!D512","v":510}]
[null,"Understanding money management","CYP can apply their numeracy skills to financial issues","Young people can work out how long they will need to save for to be able to buy something if they are saving a set amount a week (7-11, 11-14, 14-16)","Greg gets £6.00 a week pocket money. How long would it take Greg to save up his pocket money to buy something that costs £26?",0,"N",{"$f":"Questions!D513","v":511}]
[null,"Understanding money management","CYP know where to get good advice and information on money management","Young people know where to go for advice, guidance and tools about their financial situation, in person, by phone and using digital resources","If you needed advice about money, who would you ask?\n\nMULTI\n\nI do not ask for advice about money (SC)\nMy parents or carers\nMy friends\nMy teachers\nOther family members\nOther adults\nOnline (for example - Youtube, Money Saving Expert)\nA bank, building society or other financial organisation\nTV programmes\nDon't know (SC)","Y","N",{"$f":"Questions!D514","v":512}]
[null,"Understanding money management","CYP know where to get good advice and information on money management","Young people know where to go for advice, guidance and tools about their financial situation, in person, by phone and using digital resources","And who would be the most useful?\n\nSINGLE\n\nMy parents or carers\nMy friends\nMy teachers\nOther family members\nOther adults\nOnline (for example - Youtube, Money Saving Expert)\nA bank, building society or other financial organisation\nTV programmes\nDon't know\nNone of them would give useful advice","Y","N",{"$f":"Questions!D515","v":513}]
[null,"Understanding the role of money in society","CYP understand the different sources of money","Young people understand that being financially independent and having their own source of income is an important part of being an adult (7-11, 11-14, 14-16)","How important is it to you ... \n\n… to get a job when you finish education? \n… to not need  your parents' money when you are an adult (to be independant)? \n\n1. Very important\n2. Fairly important\n3. Neither important not unimportant\n4. Fairly unimportant\n5. Very unimportant",0,"N",{"$f":"Questions!D516","v":514}]
[null,"Understanding the role of money in society","CYP understand the different sources of money","Young people understand that the choices they make around education and work will affect the amount of money they have (7-11, 11-14, 14-16)","Young people who do well at school find it easier to get good jobs when they grow up\n\n1. Strongly agree\n2. Slightly agree\n3. Neither agree nor disagree\n4. Slightly disagree\n5. Strongly disagree\n6. Don’t know \n\n\nSpending money on education is an investment in my future\n\n1. Strongly agree\n2. Slightly agree\n3. Neither agree nor disagree\n4. Slightly disagree\n5. Strongly disagree\n6. Don’t know \n",0,"N",{"$f":"Questions!D517","v":515}]
[null,"Understanding the role of money in society","CYP understand the different sources of money","Young people understand that different education & training options (eg. going to university or doing an apprenticeship) have different financial implications in both the short and longer term (11-14, 14-16)","Young people who do well at school find it easier to get good jobs when they grow up\n\n1. Strongly agree\n2. Slightly agree\n3. Neither agree nor disagree\n4. Slightly disagree\n5. Strongly disagree\n6. Don’t know \n\n\nSpending money on education is an investment in my future\n\n1. Strongly agree\n2. Slightly agree\n3. Neither agree nor disagree\n4. Slightly disagree\n5. Strongly disagree\n6. Don’t know ",0,"N",{"$f":"Questions!D518","v":516}]
[null,"Understanding the role of money in society","CYP understand the different sources of money","Young people know where to find out information on whether they are entitled to benefits and how to claim them","Which of the following could someone go to if they wanted to find information on whether they are entitled to benefits?\nSelect all that apply:\nParents\nJob Centre\nLocal Council\nStaff at school/college\nInternet\nCitizens Advice Bureau/ local charity",0,"N",{"$f":"Questions!D519","v":517}]
[null,"Understanding the role of money in society","CYP understand the different sources of money","Young people know where to find out information on whether they are entitled to benefits and how to claim them","Do  you think people can claim benefits from the government when they are unemployed and looking for work?\n1. Yes\n2. No\n3. Don’t know\n\nDo you think people can claim benefits from the government when they are unwell and unable to work?\n1. Yes\n2. No\n3. Don’t know\n",0,"N",{"$f":"Questions!D520","v":518}]
[null,"Understanding the role of money in society","CYP understand that companies exist to make money","Young people understand the different ways that companies try to influence their spending, including through advertising, marketing, product placement and celebrity endorsements (5-7, 7-11, 11-14, 14-16)","Now a little quiz:\nCompanies use lots of different ways to get people to spend money on their goods and services. Can you match some of these ways to their names? \n\n1. Advertising\n2. Marketing\n3. Product placement\n4. Celebrity endorsements\n\n\n- Placing images and examples of a product where lots of people can see it (e.g. on TV, in magazines or on social media)\n- The process of transferring goods and services from the seller to the buyer\n- Promoting goods and services through films, television or social media (e.g. someone using a certain type of smart phone in a film)\n- Paying someone famous to put their name and face to goods and services and help to sell them\n\n(if online) Drag & drop\n(if on paper) Draw a line between description and name",0,"N",{"$f":"Questions!D521","v":519}]
[null,"Understanding the role of money in society","CYP understand how taxes are collected and what they are used for","Young people understand that National Insurance and Income Tax is deducted from the money people earn to pay for public services (11-14, 14-16)","Tax is money that the Government takes from the money that people earn. What is tax for?\n\nTo pay for things like hospitals and roads\nTo make sure people don't earn too much\nTo pay for lottery prizes\nTo pay for police and schools\nTo pay for supermarkets",0,"N",{"$f":"Questions!D522","v":520}]
[null,"Understanding the role of money in society","CYP understand how taxes are collected and what they are used for","Young people understand that National Insurance and Income Tax is deducted from the money people earn to pay for public services (11-14, 14-16)","The amount of money people take home from their job is less than they actually earn. Which of the following best describes why this is?\n\n1.  National insurance and income tax*\n2.  Income tax, property tax and private medical insurance contributions\n3.  National insurance, share options in a business, VAT (value added tax )\n4. National insurance, income tax and student loan repayments *",0,"N",{"$f":"Questions!D523","v":521}]
[null,"Understanding the role of money in society","CYP understand how taxes are collected and what they are used for","Young people understand that people have a tax free allowance and don't pay Income Tax on a portion of what they earn (11-14, 14-16)","Do adults always have to pay tax on the income they earn?\n1. Yes\n2. No\n3. Don’t know\n\n\nThe first part of the money your earn is tax free. \n1. True \n2. False \n\nIf the income you make from all sources is under £11, 000 do you have to pay Income Tax on it?\n1. Yes\n2. No\n3. Don’t know",0,"N",{"$f":"Questions!D524","v":522}]
[null,"Basic skills","CYP have good literacy skills","Young people perform at age appropriate levels in standardised literacy tests","Which of the following qualifications do you have?\nMULTI\n\nHND\nHNC\nA-level grade A-E\nAS-level grade A-E\nScottish Highers grade A-C\nGCSE\nSomething else\nI have no qualifications yet\nDon't know\n\nDo you have…?\n\nGCSE English grade A*-C\n\nYes\nNo",0,"N",{"$f":"Questions!D526","v":524}]
[null,"Basic skills","CYP have good numeracy skills","Young people perform at age appropriate levels in standardised numeracy tests","Which of the following qualifications do you have?\nMULTI\n\nHND\nHNC\nA-level grade A-E\nAS-level grade A-E\nScottish Highers grade A-C\nGCSE\nSomething else\nI have no qualifications yet\nDon't know\n\nDo you have…?\n\nGCSE Maths grade A*-C\n\nYes\nNo",0,"N",{"$f":"Questions!D527","v":525}]
[null,"Basic skills","CYP have good problem solving skills","Young people can identify and understand a problem","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)",0,"N",{"$f":"Questions!D528","v":526}]
[null,"Basic skills","CYP have good problem solving skills","Young people can plan ways to solve a problem","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)",0,"N",{"$f":"Questions!D529","v":527}]
[null,"Basic skills","CYP have good problem solving skills","Young people can monitor progress in tackling a problem","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)",0,"N",{"$f":"Questions!D530","v":528}]
[null,"Basic skills","CYP have good problem solving skills","Young people can review solutions to problems and modify them if necessary","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)",0,"N",{"$f":"Questions!D531","v":529}]
[null,"Basic skills","Digital literacy","Young people are able to use financial/money-related online services eg. forms, tools, emails, and online banking","Do you access to the internet at home or elsewhere?\nYes\nNo\nDon't know\n\nIF DO HAVE ACCESS\nI’d like you to think about different commercial transactions people do in their everyday lives like banking or shopping. How easy do you find it to use the internet for the following purposes? \na) Buying a product online\nb) Making travel reservations/bookings\nc) Paying bills\nd) Using your bank’s online services\ne) Comparing products and services\nf) Ordering groceries or food online\ng) Selling things online\nh) Finding the location of a house,  office, store or restaurant \n\n1. Several times a day\n2. Daily\n3. Weekly\n4. Monthly\n5. Less than monthly\n6. Never\n7. Don't know",0,"N",{"$f":"Questions!D532","v":530}]
[null,"Other","Wellbeing",null,"To what extent do you agree with the following\n\nThinking about money makes me anxious\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know","Y","N",{"$f":"Questions!D533","v":531}]

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[]
[]
[]
[null,"Children, young people and parents Outcome Framework"]
[null,"Parents"]
[null,"Please select the first question for each indicator"]
[]
[null,"Higher level outcome","Lower level outcome","Indicator","Question",{"$f":"'6'!F8","v":"CYP \nFinCap"},"Question"]
[null,"Parents believe in the importance of developing their children's financial capability","Parents recognise that money management is an important life skill",null,"Money management skills are…\n1. Very important\n2.  Fairly important\n3.  Neither important nor unimportant\n4.  Fairly unimportant\n5.  Very unimportant\n[6. Don't Know]\n",0,{"$f":"Questions!D534","v":532}]
[null,"Parents believe in the importance of developing their children's financial capability","Parents are aware that they play a vital role in developing their children's financial capability, and that what they do now in relation to money will influence their child's future behaviour","Increased awareness of their role in family's fincap; Increased awareness of childhood as key to adult financial capability (PP)","To what extent do you agree or disagree with the following statements?\nChildren grow up to be like their parents/carers are with their money\n\n(Disagree Strongly / Disagree slightly / Neither agree nor disagree / Agree slightly / Agree strongly)\n\n\nAt what age group do you think parents and carers should start doing the following with their children to help them become good with money when they grow up?\n\nTalk about how money is used in the family, e.g. paying for heating\n\nExplain the difference between price and the value of things\n\nTeach the importance of saving\n\nGive them their own spending money / allowance\n\nInvolve them in basic family spending discussions e.g. the cost of days out\n\nInvolve them in basic family spending decisions e.g. food shopping\n\nLet them manage their own day-to-day money without supervision\n\nGive them responsibility for saving up for something they want\n\nEncourage them to think about what to do with their money\n\n(Under 5 / 5-7 / 8-11 / 12-15 / 16-18 / Parents/carers shouldn't do this / Don't know)","Y (Q1, Q2 amended version)",{"$f":"Questions!D535","v":533}]
[null,"Parents believe in the importance of developing their children's financial capability","Parents are aware that they play a vital role in developing their children's financial capability, and that what they do now in relation to money will influence their child's future behaviour","Increased awareness of their role in family's fincap; Increased awareness of childhood as key to adult financial capability (PP)","To what extent do you agree or disagree with the following statement. How you manage your money now will influence how your child manages their money in the future?\n1. Strongly agree\n2. Agree\n3. Neither agree nor disagree\n4. Disagree\n5. Strongly disagree\n[6. Don't Know]",0,{"$f":"Questions!D536","v":535}]
[null,"Parents believe in the importance of developing their children's financial capability","Parents think it is important that they help their children develop money management skills, including budgeting and saving and avoiding problem debt",0,"How important is it to help your children  learn how to manage their money?\n1. Very important\n2. Fairly important\n3. Neither important nor unimportant\n4. Fairly unimportant\n5. Very unimportant\n[6. Don't know]\n","Y",{"$f":"Questions!D537","v":536}]
[null,"Parents believe in the importance of developing their children's financial capability","Parents think it is important to support the learning their children receive about money outside of the home, e.g. in school",0,"How important is it for parents to  support their children  learn about money through their school work?\n1. Very important\n2. Fairly important\n3. Neither important nor unimportant\n4. Fairly unimportant\n5. Very unimportant\n[6. Don't know]",0,{"$f":"Questions!D538","v":537}]
[null,"Parents have the knowledge and confidence to effectively support the development of their children's financial capability","Parents have absorbed the key messages provided in the intervention",0,"What can parents do to help children develop good money management skills?\n\nOPEN QUESTION:\n\nNOTE ON ADMINISTRATION: A codeable list of acceptable responses should be developed based on the intervention content/ primary aims of the course. This could included points allocated for each of the following (the following list is not exhaustive]:\n- Parents give children their own money\n-Parents give a set amount of moeny to children and stick to it\n- Parents act as role models in how they manage their own money\n-Parents talk to children  about saving, budgeting and the role of money in society\n- Parent praise children for managing money well\n-Parents positively comment on others who are good with money etc\n\nA score system should then be set and applied e.g:\n0- No answer provided/ No course content mentioned\n1- Parent identified 1 thinkg they could do\n2- Parents mentioned 2-3 things they could do\n3- Parents mentioned 4 or more thinngs they could do",0,{"$f":"Questions!D539","v":538}]
[null,"Parents have the knowledge and confidence to effectively support the development of their children's financial capability","Parents know that it is best to start teaching children about money management from a young age (3+)",0," At what age group do you think parents and carers should start doing the following with their children to help them become good with money when they grow up?\nPlease tick one for each row\n\nTalk about how money is used in the family, e.g. paying for heating\n\nExplain the difference between price and the value of things\n\nTeach the importance of saving\n\nGive them their own spending money / allowance\n\nInvolve them in basic family spending discussions e.g. the cost of days out\n\nInvolve them in basic family spending decisions e.g. food shopping\n\nLet them manage their own day-to-day money without supervision\n\nGive them responsibility for saving up for something they want\n\nEncourage them to think about what to do with their money\n\n(Under 5 / 5-7 / 8-11 / 12-15 / 16-18 / Parents / carers shouldn’t do this / Don't know","Y (amended version)",{"$f":"Questions!D540","v":539}]
[null,"Parents have the knowledge and confidence to effectively support the development of their children's financial capability","Parents know that it is best to start teaching children about money management from a young age (3+)",null,"At what age is it best to start to teach children about money management?\n1. From age 3\n2. From age 5\n3. From age 7\n4. From age 9\n5. From age 11\n6. From age 13\n7. From age 15\n[8. Don't know]",0,{"$f":"Questions!D541","v":540}]
[null,"Parents have the knowledge and confidence to effectively support the development of their children's financial capability","Parents know that children develop many financial habits and attitudes between the ages of 3 - 7",null,"At what age do children start to develop habits related to money and spending?\n1. From age 3\n2. From age 5\n3. From age 7\n4. From age 9\n5. From age 11\n6. From age 13\n7. From age 15\n[8. Don't know]","Y (amended version)",{"$f":"Questions!D542","v":541}]
[null,"Parents have the knowledge and confidence to effectively support the development of their children's financial capability","Parents understand the best time to introduce specific financial concepts, products and issues to their children",null,"At what age do you think  children can start  saving their own money?\n\n\nAt what age do you think  children can start learning about how set a budget ?\n\nAt what age do you think it is important for children to start learning about debt and borrowing?\n\n\nAt what age do you think it is important to start talking to children about how to spend money wisely?\n\nANSWER OPTIONS FOR ALL\n1. From age 3\n2. From age 5\n3. From age 7\n4. From age 9\n5. From age 11\n6. From age 13\n7. From age 15\n8. Don’t know\n\n\n",0,{"$f":"Questions!D543","v":542}]
[null,"Parents have the knowledge and confidence to effectively support the development of their children's financial capability",null,null,"At what age group do you think parents and carers should start doing the following with their children to help them become good with money when they grow up?\nPlease tick one for each row\n\nTalk about how money is used in the family, e.g. paying for heating\n\nExplain the difference between price and the value of things\n\nTeach the importance of saving\n\nGive them their own spending money / allowance\n\nInvolve them in basic family spending discussions e.g. the cost of days out\n\nInvolve them in basic family spending decisions e.g. food shopping\n\nLet them manage their own day-to-day money without supervision\n\nGive them responsibility for saving up for something they want\n\nEncourage them to think about what to do with their money\n\n(Under 5 / 5-7 / 8-11 / 12-15 / 16-18 / Parents / carers shouldn’t do this / Don't know","Y (amended version)",{"$f":"Questions!D544","v":543}]
[null,"Parents have the knowledge and confidence to effectively support the development of their children's financial capability","Parents understand the best time to introduce specific financial concepts, products and issues to their children (Continued)",null," At what age do you feel it is appropriate to share the following kinds of financial information with your child or to involve the child in the activity? \nAnswer options: \n1. From age 3\n2. From age 5\n3. From age 7\n4. From age 9\n5. From age 11\n6. From age 13\n7. From age 15\n8. From age 17\n9. From age 18\n10. From age 21\n11. From age 25\n12. Older than this\n13. Never\n14. Don’t know\nReceive an allowance\nHave a current account\nOpen a savings account\nResponsible for clothing budget\nKnow family monthly living costs\nTold family income\nHelp keep records of family income\nDiscuss major financial decisions\nFully responsible for current account\nEarn all own income\nResponsible for own credit card\n",0,{"$f":"Questions!D545","v":544}]
[null,"Parents have the knowledge and confidence to effectively support the development of their children's financial capability","Parents feel confident in helping their children to learn about money and develop money management skills",null,"Here are some statements other parents and carers have said about teaching children about managing money. To what extent do you agree or disagree with these statements?\nPlease tick one for each row\n\nI don’t know how to talk to my child / children about money\n\nI feel comfortable discussing money and spending with my child / children\n\nChildren should be protected from understanding how money works\n\nMy parents never talked to me about money\n\nI am hiding the reality of our family finances from my child / children\n\nI know what age I should start talking to my child / children about how money works\n\n(Disagree strongly / Disagree slightly / Neither agree nor disagree / Agree slightly / Agree strongly ","Y (some options)",{"$f":"Questions!D546","v":545}]
[null,"Parents have the knowledge and confidence to effectively support the development of their children's financial capability","Parents feel confident in helping their children to learn about money and develop money management skills",null,"How confident do you feel in supporting your child to learn how to manage their own money?\n1. Very confident\n2. Fairly confident\n3. Not very confident\n4. Not confident at all\n[5. Don't Know]",0,{"$f":"Questions!D547","v":546}]
[null,"Parents have the knowledge and confidence to effectively support the development of their children's financial capability","Parents feel confident talking to their children about money",null,"Here are some statements other parents and carers have said about teaching children about managing money. To what extent do you agree or disagree with these statements?\nPlease tick one for each row\n\nI don’t know how to talk to my child / children about money\n\nI feel comfortable discussing money and spending with my child / children\n\nChildren should be protected from understanding how money works\n\nMy parents never talked to me about money\n\nI am hiding the reality of our family finances from my child / children\n\nI know what age I should start talking to my child / children about how money works\n\n(Disagree strongly / Disagree slightly / Neither agree nor disagree / Agree slightly / Agree strongly ","Y (some options)",{"$f":"Questions!D548","v":547}]
[null,"Parents have the knowledge and confidence to effectively support the development of their children's financial capability","Parents feel confident talking to their children about money",null,"\n\nHow comfortable do you feel talking to your child about money?\n1. Very comfortable\n2.  Fairly comfortable\n3.  Neither comfortable nor uncomfortable\n4.  Fairly uncomfortable\n5.  Very uncomfortable\n[6. Don't Know]",0,{"$f":"Questions!D549","v":548}]
[null,"Parents role-model and are positive about good money management","Parents believe it is important to act as a good role model for their children around money management",null,"\n\nHow important do you think it is to act as a role model for your child, when it comes to managing money?\n1. Very important\n2. Fairly important\n3. Neither important nor unimportant\n4. Fairly unimportant\n5. Very unimportant\n[6. Don't Know]\n\n",0,{"$f":"Questions!D550","v":549}]
[null,"Parents role-model and are positive about good money management","Parents feel able to act as a good role model for the children around money management",null,"How able do you feel   to demonstrate good money management skills to your child?\n1. Very able\n2. Fairly able\n3. Neither able nor unable\n4. Fairly unable\n5. Very unable\n[6. Don't Know]\n",0,{"$f":"Questions!D551","v":550}]
[null,"Parents role-model and are positive about good money management","Parents role model good money management behaviour","Parents set a budget and stick to it.  Parent talks to child about this.","\nDo you keep track of your personal income and expenditure?  \n1. Yes\n2. No\n3. Don’t know   \n\nIf Yes:\nYou said that you keep track of your personal expenditure.  Do you set a personal budget of how much you can spend? \n1. Yes\n2. No\n3. Don’t know\n_____\n\nHave you ever talked to your child about your budget? \n1. Yes\n2. No\n3. Does not apply ",0,{"$f":"Questions!D552","v":551}]
[null,"Parents role-model and are positive about good money management","Parents role model good money management behaviour","Parents keep track of their spending  in front of CYP and explain what they are doing.","\nDo you keep track of your personal income and expenditure?  \n1. Yes\n2. No\n3. Don’t know   \n\nHow often do you check your bank balance or statements when your child is present?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n\nHave you explained to your child what you are doing when you check your bank balance or statements?\n1. Yes\n2. No\n3. Does not apply \n",0,{"$f":"Questions!D553","v":552}]
[null,"Parents role-model and are positive about good money management","Parents role model good money management behaviour","Parents demonstrate saving in front of their children","\nWhich of these best describes how often you save money?\nPlease tick one only\n\nEvery months\nMost months\nSome months but not others\nRarely / never\nDon't know\nPrefer not to say\n\nHave you explained to your child about why you are putting money aside?\n1. Yes\n2. No\n3. Does not apply \n",0,{"$f":"Questions!D554","v":553}]
[null,"Parents emphasise self-control around money","Parents set clear boundaries around spending for their children and stick to them","Increased number set and stick to money agreements and responsibilities with their child (PP)","Do you have any family agreements about money in place for this child?\n\nYes, lots\nYes, some\nNo\n\nIF YES, please tell us about the types of family agreements you have in place below:\n\nIF YES, how often are you and your family able to stick to these agreements?\nPlease tick one answer\n\nNever /Rarely / Sometimes / Often / All the time / Don't know\n\nIF NO, please share why, for the time being, you do not have any money agreements in place ",0,{"$f":"Questions!D555","v":554}]
[null,"Parents emphasise self-control around money","Parents set clear boundaries around spending for their children and stick to them",null," How often does your child pester you to buy things because they have spent all their own money?\n1. Often\n2. Sometimes\n3 Rarely\n4. Never\n[5.  Don’t know]\n\nWhen your child asks for more money how often do you give this to them?\n1. Often\n2. Sometimes\n3 Rarely\n4. Never\n[5.  Don’t know]\n",0,{"$f":"Questions!D556","v":555}]
[null,"Parents emphasise self-control around money","Parents are able to resist ‘pester power’ ",null,"\nHow confident are you that you can resist ‘pester power’ when your child wants you to buy them something?\n1. Very confident\n2. Fairly confident\n3. Not very confident\n4. Not confident at all\n[5. Don’t know]\n",0,{"$f":"Questions!D557","v":556}]
[null,"Parents emphasise self-control around money","Parents don't feel pressure to spend money on things their children want but don’t need",null,"To what extent would you say the following statement applies to you personally?\n“I feel under pressure to spend money on my children even when I can’t afford it”\nPlease answer on a scale of 0 to 10, where 0 means it doesn’t sound like you at all and 10 means it sounds a lot like you. Please tick one answer.\n(0-10 scale)","Y",{"$f":"Questions!D558","v":557}]
[null,"Parents emphasise self-control around money","Parents don't feel pressure to spend money on things their children want but don’t need",null,"\nHow much pressure,  if any, do you feel to spend money on your child for things they don’t need?\n1. A lot of pressure\n2. Some pressure\n3. No pressure\n[4. Don't Know]",0,{"$f":"Questions!D559","v":558}]
[null,"Parents emphasise self-control around money","Parents praise children when they demonstrate self-control in relation to money.","Parents praise their children when they demonstrate good money management\n","How often do you praise your child for showing self-control when it comes to spending money?\n1. Often\n2. Sometimes\n3 Rarely\n4. Never\n[5.  Don’t know]\n\nHow often do you praise your child for making sensible choices about what to spend their money on?\n1. Often\n2. Sometimes\n3 Rarely\n4. Never\n[5.  Don’t know]",0,{"$f":"Questions!D560","v":559}]
[null,"Parents talk about, explain and involve children in everyday household money management","Parents talk openly about money to their children, and encourage their children to come to them with any questions and concerns about money","Increased discussions about how money is used; Increased money management discussions with children (PP)","Here are some statements other parents and carers have said about teaching children about managing money. To what extent do you agree or disagree with these statements?\nPlease tick one for each row\n\nI don’t know how to talk to my child / children about money\n\nI feel comfortable discussing money and spending with my child / children\n\nChildren should be protected from understanding how money works\n\nMy parents never talked to me about money\n\nI am hiding the reality of our family finances from my child / children\n\nI know what age I should start talking to my child / children about how money works\n\n(Disagree strongly / Disagree slightly / Neither agree nor disagree / Agree slightly / Agree strongly","Y (some options)",{"$f":"Questions!D561","v":560}]
[null,"Parents talk about, explain and involve children in everyday household money management","Parents talk openly about money to their children, and encourage their children to come to them with any questions and concerns about money",null,"How comfortable do you feel talking to your child about money?\n1. Very comfortable\n2.  Fairly comfortable\n3.  Neither comfortable nor uncomfortable\n4.  Fairly uncomfortable\n5.  Very uncomfortable\n[6. Don't Know]\n\n\n",0,{"$f":"Questions!D562","v":561}]
[null,"Parents talk about, explain and involve children in everyday household money management","Parents explain that money is limited and that they have to make trade-offs when spending it","Increased discussions about how money is used; Increased money management discussions with children (PP)","Have you ever explained to your child that  money is limited and that they therefore can’t have everything they want? \n1.  Yes\n2. No\n[3. Don't Know]\n\nHow often do you  explain to your child that money is limited and that they therefore can’t have everything they want?\n\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n[5. Don’t know]\n\nIf your child wanted you to buy them two items would you:\n1. Buy them both\n2. Make them pick one\n[3. Don't Know] \n\nHow often do you talk to your child about how to you decide what to buy and what not to buy?\n1. Often\n2. Sometimes\n3 Rarely\n4. Never\n[5.  Don’t know]",0,{"$f":"Questions!D563","v":562}]
[null,"Parents talk about, explain and involve children in everyday household money management","Parents explain the difference between wants and needs",null,"Have you ever explained to your child that  there is a different between things they 'want' and things they 'need'? \n1.  Yes\n2. No\n[3. Don't Know]",0,{"$f":"Questions!D564","v":563}]
[null,"Parents talk about, explain and involve children in everyday household money management","Parents explain the difference between wants and needs",null,"Is this child able to do any of the following?\nPlease tick one for each row\n\nSave up for a short period of time to buy something they want\n\nUnderstand why you are saying “no” to buying something\n\nManage their own day-to-day money or allowance\n\nExplain the choices they make when they spend their money\n\nFocus on an activity they have been asked to / decided to do\n\nFinish a task they have been asked to / decided to do\n\nAble to recognise the difference between something they want (e.g. sweets), and something they need (e.g. food)\n\n(No / Yes, sometimes / Yes, definitely / Don't know / N/A (my child doesn't have their own money))","Y (some options)",{"$f":"Questions!D565","v":564}]
[null,"Parents talk about, explain and involve children in everyday household money management","Parents talk to their children about the costs of what they want to buy","Increased discussions about how money is used; Increased money management discussions with children (PP)","How often do you talk to your child about the cost of things you or they want to buy?\n1. Often\n2. Sometimes\n3 Rarely\n4. Never\n[5.  Don’t know]\n",0,{"$f":"Questions!D566","v":565}]
[null,"Parents talk about, explain and involve children in everyday household money management","Parents talk to their children about how to spend their money wisely and explain simple money-saving strategies (eg. shopping around/ only buy what you need)","Increased discussions about how money is used; Increased money management discussions with children; Increased number involve children in family conversations around money (PP)","Have you ever explained to your child about the things you might do to save money, such as shopping around or only buying what you need?\n1. Yes\n2. No\n",0,{"$f":"Questions!D567","v":566}]
[null,"Parents talk about, explain and involve children in everyday household money management","Parents involve their children in household spending decisions (e.g. deciding what to buy in weekly shop, or making decisions about a larger purchase such as a holiday)","Increased number involve children in basic family spending decisions (PP)","How often do you involve your child in household spending decisions, for example what you buy in a weekly shop?\n1. Often\n2. Sometimes\n3 Rarely\n4. Never\n[5.  Don’t know]",0,{"$f":"Questions!D568","v":567}]
[null,"Parents talk about, explain and involve children in everyday household money management","Parents involve their children in household spending decisions (e.g. deciding what to buy in weekly shop, or making decisions about a larger purchase such as a holiday)",null,"At what age group do you think parents and carers should start doing the following with their children to help them become good with money when they grow up?\nPlease tick one for each row\n\nTalk about how money is used in the family, e.g. paying for heating\n\nExplain the difference between price and the value of things\n\nTeach the importance of saving\n\nGive them their own spending money / allowance\n\nInvolve them in basic family spending discussions e.g. the cost of days out\n\nInvolve them in basic family spending decisions e.g. food shopping\n\nLet them manage their own day-to-day money without supervision\n\nGive them responsibility for saving up for something they want\n\nEncourage them to think about what to do with their money\n\n(Under 5 / 5-7 / 8-11 / 12-15 / 16-18 / Parents / carers shouldn’t do this / Don't know","Y (amended version)",{"$f":"Questions!D569","v":568}]
[null,"Parents talk about, explain and involve children in everyday household money management","Parents explain how to budget and save, and why they are important",null,"\nHow often do you encourage your child to save up for things they want to purchase?\n1. Often\n2. Sometimes\n3 Rarely\n4. Never\n5. My child does not have their own money\n\n",0,{"$f":"Questions!D570","v":569}]
[null,"Parents talk about, explain and involve children in everyday household money management","Parents understand that it is beneficial to involve children in household spending decisions",null,"How important do you think it is to involve your child in household spending decisions?\n1. Very important\n2. Fairly important\n3. Neither important nor unimportant\n4. Fairly unimportant\n5. Very unimportant\n[6.  Don’t know]\n",0,{"$f":"Questions!D571","v":570}]
[null,"Parents talk about, explain and involve children in everyday household money management","Parents talk to children about the cost of living (eg. electricity, water, mobile phone, transport etc)",null,"\nHave you explained to your child that utilities, for example mobile phones, water and electricity, cost money?\n1. Yes\n2. No\n[3.  Don’t know]",0,{"$f":"Questions!D572","v":571}]
[null,"Parents talk about, explain and involve children in everyday household money management","Parents talk to young people about how to manage household finances and set-up bills (16+)",null,"(16+) Now think about a child you have who is 16 or older. How often do you talk to your child about how to manage household finances?\n1. Often\n2. Sometimes\n3 Rarely\n4. Never\n[5.  Don’t know]\n\n (16+) Have you talked to your child about how to set-up bills  such a phone and electricity bills?\n1. Yes\n2. No\n[3.  Don’t know]",0,{"$f":"Questions!D573","v":572}]
[null,"Parents talk about, explain and involve children in everyday household money management","Parents talk to young people about how and why people get into debt and the negative consequences that can result (11+)",null,"Have you ever spoken to your child about why people get into debt and the problems this can cause?\n1. Yes\n2. No\n[3.  Don’t know]\n",0,{"$f":"Questions!D574","v":573}]
[null,"Parents talk about, explain and involve children in everyday household money management","Parents explain how to work out everyday financial questions involving maths to children, and support them to do so",null,"\nHow often does someone at home help your child solve money questions involving maths? \nFor example how to work out the correct change, how to work out interest, or any other question involving money.\n1. Never\n2. Occasionally or less than once a week\n3. 1 or 2 days per week\n4. 3 or 4 times a week\n5. 5 times a week or more\n6. Don’t know\n\n",0,{"$f":"Questions!D575","v":574}]
[null,"Parents use financial products and make transactions in front of their children, and explain them in a way they can understand","Parents use different methods of payment in front of their children (cash, card, online)",null,"How often do you do the following in front of your child?\n(GRID: Answer options:  Often, Sometimes, Rarely, Never , Don't Know)   \nPay for things using cash       \nPay for things using a debit or credit card      \nPay for things online                                         \nChecked the balance of a bank account                            \nUsed online banking to check a bank account                 \nChecked the balance on a credit card    \nUsed a cash machine to withdraw money                           \n\n{If yes }Do you ever explain to your child what you are doing when you are…\n(GRID Yes/No)\nPay for things using cash       \nPay for things using a debit or credit card      \nPay for things online                                         \nChecked the balance of a bank account                            \nUsed online banking to check a bank account                 \nChecked the balance on a credit card    \nUsed a cash machine to withdraw money         ",0,{"$f":"Questions!D576","v":575}]
[null,"Parents use financial products and make transactions in front of their children, and explain them in a way they can understand","Parents use different financial products in front of their children (eg. check current accounts, pay into savings accounts, use online banking etc)",null,"How often do you do the following in front of your child?\n(GRID: Answer options:  Often, Sometimes, Rarely, Never , Don't Know)   \nPay for things using cash       \nPay for things using a debit or credit card      \nPay for things online                                         \nChecked the balance of a bank account                            \nUsed online banking to check a bank account                 \nChecked the balance on a credit card    \nUsed a cash machine to withdraw money                           \n\n{If yes }Do you ever explain to your child what you are doing when you are…\n(GRID Yes/No)\nPay for things using cash       \nPay for things using a debit or credit card      \nPay for things online                                         \nChecked the balance of a bank account                            \nUsed online banking to check a bank account                 \nChecked the balance on a credit card    \nUsed a cash machine to withdraw money         ",0,{"$f":"Questions!D577","v":576}]
[null,"Parents use financial products and make transactions in front of their children, and explain them in a way they can understand","Parents talk to their children about what they are doing while using financial products and making transactions",null,"How often do you do the following in front of your child?\n(GRID: Answer options:  Often, Sometimes, Rarely, Never , Don't Know)   \nPay for things using cash       \nPay for things using a debit or credit card      \nPay for things online                                         \nChecked the balance of a bank account                            \nUsed online banking to check a bank account                 \nChecked the balance on a credit card    \nUsed a cash machine to withdraw money                           \n\n{If yes }Do you ever explain to your child what you are doing when you are…\n(GRID Yes/No)\nPay for things using cash       \nPay for things using a debit or credit card      \nPay for things online                                         \nChecked the balance of a bank account                            \nUsed online banking to check a bank account                 \nChecked the balance on a credit card    \nUsed a cash machine to withdraw money         ",0,{"$f":"Questions!D578","v":577}]
[null,"Parents use financial products and make transactions in front of their children, and explain them in a way they can understand","Parents talk to young people about how to select the best financial product for them",null,"[The next few questions are whether you have talked to your child about various topics] Have you talked to your child about the kind of things you have to consider when choosing a financial product, for example a bank account or savings account?\n1. Yes\n2. No\n[3.Don’t know]","Y",{"$f":"Questions!D579","v":578}]
[null,"Parents use financial products and make transactions in front of their children, and explain them in a way they can understand","Parents talk to children about borrowing money / sources of credits and the risks associated with this (16+)",null,"[The next few questions are whether you have talked to your child about various topics] How often do you talk to your child about the risks associated with borrowing money, and the impact of getting into debt?\n1. Often\n2.Sometimes\n3 Rarely\n4.Never\n[5.Don’t know]\n",0,{"$f":"Questions!D580","v":579}]
[null,"Parents talk to children about consumer society","Parents talk to children about marketing (eg. adverts are designed to make you want to buy things, promotions (e.g. 3 for 2) are designed to make people spend more etc)",null,"[The next few questions are whether you have talked to your child about various topics] \nHow often do you explain the purpose of adverts and the tactics companies use to sell more products to your child?\n\n1. Often\n2.Sometimes\n3 Rarely\n4.Never\n[5.Don’t know]",0,{"$f":"Questions!D581","v":580}]
[null,"Parents talk to children about consumer society","Parents explain techniques for resisting consumer pressure to children",null,"[The next few questions are whether you have talked to your child about various topics]. Have  you ever talked to your child about how they shouldn’t buy things just to fit in with friends?\n1. Yes\n2. No\n[3.  Don’t know]\n",0,{"$f":"Questions!D582","v":581}]
[null,"Parents talk to children about the link between money and jobs, and encourage aspirations and financial independence","Parents talk to children about where their money comes from",null,"[The next few questions are whether you have talked to your child about various topics] How often have you talked to your child about where your household income comes from?\n1. Often\n2.Sometimes\n3 Rarely\n4.Never\n[5.Don’t know]\n",0,{"$f":"Questions!D583","v":582}]
[null,"Parents talk to children about the link between money and jobs, and encourage aspirations and financial independence","Parents talk to children about work and how different jobs have different salaries",null,"[The next few questions are whether you have talked to your child about various topics] How often have you talked to your child about how different jobs have different salaries?\n1. Often\n2.Sometimes\n3 Rarely\n4.Never\n[5.Don’t know]",0,{"$f":"Questions!D584","v":583}]
[null,"Parents talk to children about the link between money and jobs, and encourage aspirations and financial independence","Parents talk to their children about further education and future plans and the financial implications of/options for those plans (16+)",null,"How often do you talk to your child about what they could do after they finish their education?\n1. Often\n2.Sometimes\n3 Rarely\n4.Never\n[5.Don’t know]\n\n\n\n(16+) How confident would you feel providing your child with advice on how they can fund their studies after the leave the school?\n1. Very confident\n2. Fairly confident\n3. Not very confident\n4. Not confident at all\n[5.Don't Know]\n",0,{"$f":"Questions!D585","v":584}]
[null,"Parents talk to children about the link between money and jobs, and encourage aspirations and financial independence","Parents encourage their children's aspirations and their financial independence (16+)","Parents help their children think about their careers and help them plan how they can reach their career goals. ","How often do you talk to your child about what careers they could in the future?\n1. Often\n2.Sometimes\n3 Rarely\n4.Never\n[5.Don’t know]\n\nDoes your child know roughly what career they want to do in the future?\n1. Yes\n2. No\n3. Don't know\n\n{If yes} How often do you give your child advice on how they can get the career they want?\n1. Often\n2.Sometimes\n3 Rarely\n4.Never\n[5.Don’t know]","Y (first Q)",{"$f":"Questions!D586","v":585}]
[null,"Parents provide children with a set amount of money and support them to manage it themselves","Parents think it is important for children to have their own money from a young age (3+) and be given an appropriate amount of responsibility for it",null,"How important do you think it is for your child to manage their own money?\n1. Very important\n2. Fairly important\n3. Neither important nor unimportant\n4. Fairly unimportant\n5. Very unimportant\n[6.Don't know]\n"," ",{"$f":"Questions!D587","v":586}]
[null,"Parents provide children with a set amount of money and support them to manage it themselves","Parents think it is important for children to have their own money from a young age (3+) and be given an appropriate amount of responsibility for it",null,"In which of the following ways does this child get money of their own?\nPlease tick all that apply\n\nRegular pocket money\n\nIn return for good behaviour or helping out at home / chores\n\nNow and again on special days out or holidays\n\nBirthdays / Christmas / Other celebrations\n\nWhen they see Grandparents or other close family friends / relatives\n\nIrregularly or when we have some money to spare\n\nNone – My child doesn’t have any money of their own\n\nOther (please state) ________________________________________\n\nDon’t know","Y (amended version)",{"$f":"Questions!D588","v":587}]
[null,"Parents provide children with a set amount of money and support them to manage it themselves","Parents provide their children with a regular set amount of pocket money",null,"In which of the following ways does this child get money of their own?\nPlease tick all that apply\n\nRegular pocket money\n\nIn return for good behaviour or helping out at home / chores\n\nNow and again on special days out or holidays\n\nBirthdays / Christmas / Other celebrations\n\nWhen they see Grandparents or other close family friends / relatives\n\nIrregularly or when we have some money to spare\n\nNone – My child doesn’t have any money of their own\n\nOther (please state) ________________________________________\n\nDon’t know","Y (amended version)",{"$f":"Questions!D589","v":588}]
[null,"Parents provide children with a set amount of money and support them to manage it themselves","Parents believe  children should  manage their own money, including making their own decisions about whether to spend or save it and allow their child to do this. ",null,"Who is mainly responsible for deciding how your child’s pocket money or allowance is spent?  \n1. I am\n2. Another family member or carer is\n3. My child is\n4. My child is not given any money\n[5. Don’t know]\n\nTo what extent do you agree or disagree with the following statements. \n\na) Children should be allowed to make their own mistakes with their pocket money\nb) It is best if parents manage their children’s money for them\n(c) Children should decide whether to save their own pocket money.\n(d) Children should decide whether to  spend their own pocket money.\n\n1. Strongly agree\n2. Agree\n3. Neither agree nor disagree\n4. Disagree\n5. Strongly disagree\n[6. Don’t know]\n\n\n\n","Y (first Q)",{"$f":"Questions!D591","v":590}]
[null,"Parents provide children with a set amount of money and support them to manage it themselves","Parents encourage and support their children to make a plan for what to spend their money on and/or budget and stick to it","Increased number allowing their child to make money choices (PP)","\nHow often do you encourage your child to plan what they are going to spend their money on?\n1. Often\n2.Sometimes\n3 Rarely\n4.Never\n[5.Don’t know]\n\n",0,{"$f":"Questions!D592","v":591}]
[null,"Parents provide children with a set amount of money and support them to manage it themselves","Parents encourage and support their children to save",null,"How often do you talk to your child about the importance of saving money up for things they want?\n1. Often\n2.Sometimes\n3 Rarely\n4.Never\n[5.Don’t know]\n\nHow often do you encourage your child to save up for things they want to purchase?\n1. Often\n2.Sometimes\n3 Rarely\n4.Never\n[5.Don’t know]",0,{"$f":"Questions!D593","v":592}]
[null,"Parents provide children with a set amount of money and support them to manage it themselves","Parents allow their children to make payments in different ways, including online",null,"In which of these ways has your child made a payment? (Tick all that apply)\n1. In person using cash\n2. In person using card\n3. Online\n4. None of these\n[5. Don’t know]\n",0,{"$f":"Questions!D594","v":593}]
[null,"Parents provide children with a set amount of money and support them to manage it themselves","Parents allow children to make mistakes with their money and help them learn from those experiences","Increased number allowing their child to make money choices (PP)","If your child lost some of their money would you replace it?\n1. Definitely would\n2. Probably would\n3. Definitely would not\n[4.Don't know]\n\nWhich of the following statements comes closest to your view? Please think about your child and other children of their age when answering. \n1. Parents should manage their children’s money for them \n2. Children should be allowed manage their own money \n[3. Don't Know]\n",0,{"$f":"Questions!D595","v":594}]
[null,"Parents provide children with a set amount of money and support them to manage it themselves","Parents give older children responsibility for paying for the things they need (eg. school lunches, clothes) out of their pocket money or an allowance (11+)","Increased number allowing their child to make money choices; Increased number set and stick to money rules and responsibilities with their child (PP)","Does your child have to use their own allowance when buying any of the following things they need? Tick all that apply,\n1. School dinners\n2. School uniform\n3. School equipment\n4. Mobile phone credit or bill\n5. Other bills\n6. None of the above\n7. [Don't know]","Y (amended version)",{"$f":"Questions!D596","v":595}]
[null,"Parents help their children to access financial products, and support them to take an active role in selecting the products","Parents support their children to open and use their own current account",null,"Does your child have a current account, held in their own name?\n1. Yes\n2. No\n[3.Don't know]",0,{"$f":"Questions!D597","v":596}]
[null,"Parents help their children to access financial products, and support them to take an active role in selecting the products","Parents support children to open and use their own savings account",null,"Does child have a savings account or junior ISA, held in their own name?\n1. Yes\n2. No\n[3.Don't know]",0,{"$f":"Questions!D598","v":597}]
[null,"Parents help their children to access financial products, and support them to take an active role in selecting the products","Parents support children to choose their own current or savings account (7+)",null,"\nHave you ever involved your child in decisions about which financial products to choose for them, such as a bank or savings account, or a Junior ISA? \n1. Yes\n2. No\n3. My child does not have an account\n(4. Don’t know)\n\n",0,{"$f":"Questions!D599","v":598}]
[null,"Parents help their children to access financial products, and support them to take an active role in selecting the products","Parents support children to choose their own mobile phone provider and package (11+)",null,"Did you let your child pick their own mobile phone provider?\n1. Yes\n2. No\n3. Does not apply- Child does not have a phone\n\nDid you let your child pick their own mobile phone package?\n1. Yes\n2. No\n3. Does not apply- Child does not have a phone\n",0,{"$f":"Questions!D600","v":599}]
[null,"Parents encourage and support their children's broader development","Parents support their children with their literacy, numeracy and wider school work","Parents help young children learn letters, words and numbers (3-4)","{If children aged 3-4} How often does someone at home help (child) to learn the ABC or alphabet?\n\nHow often does someone at home look at books with or read to your child? \n\nHow often does someone at home teach your child numbers or counting?\n\n\nANSWER OPTIONS FOR ALL: \n1. Occasionally or less than once a week\n2. 1 or 2 days per week\n3. 3 or 4 times a week\n4. 5 times a week or more\n\n\n",0,{"$f":"Questions!D601","v":600}]
[null,"Parents encourage and support their children's broader development","Parents support their children with their literacy, numeracy and wider school work","Parents show interest in CYP’s general school work (5+)","Thinking in general about children and education, would you say that a child's education is…\n\nWholly the parents' responsibility\nMainly the parents' responsibility\nMainly the school's responsibility\nWholly the school's responsibility\nBoth equally\n",0,{"$f":"Questions!D602","v":601}]
[null,"Parents encourage and support their children's broader development","Parents support their children with their literacy, numeracy and wider school work","Parents support CYP in their Maths/English schoolwork (5+)","{If children aged 5+} How often does someone at home teach your child maths or help with maths homework? \n1. Occasionally or less than once a week\n2. 1 or 2 days per week\n3. 3 or 4 times a week\n4. 5 times a week or more\n\n{If children aged 5+} How often does someone at home teach your child words or help with English homework? \n1. Occasionally or less than once a week\n2. 1 or 2 days per week\n3. 3 or 4 times a week\n4. 5 times a week or more",0,{"$f":"Questions!D603","v":602}]
[null,"Parents encourage and support their children's broader development","Parents encourage children to solve their own problems",null,"How important do you think it is for your child solve their own problems?\n1. Very important\n2. Fairly important\n3. Neither important nor unimportant\n4. Fairly unimportant\n5. Very unimportant\n[6.Don't know]",0,{"$f":"Questions!D604","v":603}]
[null,"Parents encourage and support their children's broader development","Parents support the development of their children's self-confidence and praise them when they do well and put in effort.",null,"How comfortable do you feel praising your child when they try hard to do something?\n1. Very comfortable\n2. Somewhat comfortable\n3. Somewhat uncomfortable\n4. Not at all comfortable\n\nHow often do you praise your child when they try hard to do something?\n1. Often\n2.Sometimes\n3 Rarely\n4.Never\n[5.Don’t know]\n\n",0,{"$f":"Questions!D605","v":604}]
[null,"Parents encourage and support their children's broader development","Parents encourage children to seek help if needed",null,"How often do you encourage your child to talk to people if they need help with something?\n1. Often\n2.Sometimes\n3 Rarely\n4.Never\n[5.Don’t know]",0,{"$f":"Questions!D606","v":605}]
[null,"Parents actively seek support to help them develop their children's financial capability, and share their knowledge with others ","Parents know where to find information and resources to help them develop their children's financial capability",null,"Do you know where to find information on teaching children and young people about money management?\n1. Yes\n2. No\n \nWhich of these sources would you go to if you wanted to get information or help with teaching children and young people about money management?\n \n 1. My child's school\n 2. Websites/ Online content\n 3. A charity such as CAB\n 4. Other ________\n 5. None of these\n  6. Don’t know\n",0,{"$f":"Questions!D607","v":606}]
[null,"Parents actively seek support to help them develop their children's financial capability, and share their knowledge with others ","Parents access and use information and resources to help them develop their children's financial capability",null,"In the last 12 months have you used any of the following to get information about teaching children and young people about money management? Tick all that apply\n\n 1. My child's school\n 2. Websites/ Online content\n 3. A charity such as CAB\n 4. Other ________\n 5. None of these\n  6. Don’t know",0,{"$f":"Questions!D608","v":607}]
[null,"Parents actively seek support to help them develop their children's financial capability, and share their knowledge with others ","Parents talk to other parents about how to help their children develop financial capability",null,"How often do you speak to other parents about ways in which to help children develop money management skills?\n1. Often\n2.Sometimes\n3 Rarely\n4.Never\n[5.Don’t know]",0,{"$f":"Questions!D609","v":608}]
[null,"Ability to live (adequately) within means","Managing well day-to-day","Satisfaction with standard of living \n","How well would you say you yourself are managing financially these days? Would you say you are...\nCHOOSE ONE ONLY\n1. Living comfortably\n2. Getting by alright\n3. Just about getting by\n4. Finding it quite difficult\n5. or finding it very difficult?",0,{"$f":"Questions!D610","v":609}]
[null,"Ability to live (adequately) within means","Falling behind/in debt/in arrears",null,"In the last [SIX] months, have [you / or your partner] been unable to pay any of these bills due to a lack of money?\nCHOOSE ALL THAT APPLY\n1. Rent or mortgage payments\n2. Council tax\n3. Gas, electricity or other fuel bills\n4. Water bill\n5. Telephone bill (including mobile phone, broadband)\n6. Credit or store card bills\n7. Repayments on a loan or advance,\n8. Repayments on goods bought on hire purchase or mail order\n9. TV licence\n10. Income Tax or VAT payments\n11. Any other bill or regular commitment\n12. None of these (SINGLE CODE ONLY)",0,{"$f":"Questions!D611","v":610}]
[null,"Financial resilience - ability to withstand financial shocks",null,null,"Do you (and your partner) currently have at least as much money in savings as you get in income each month? \nCHOOSE ONE ONLY\n1. No\n2. Yes, about 1 month\n3. Yes, about 2 months\n4. Yes, three months of more\n\n",0,{"$f":"Questions!D612","v":611}]
[null,"Managing money well day-to-day",null,"Creating and sticking to a viable budget","A) How closely do you normally plan how you will spend your money over the coming week or month? For example by drawing up a budget.\nCHOOSE ONE ONLY\n1. Very closely\n2. Fairly closely\n3. Not very closely\n4. I do not plan my spending at all\n5. Don't know\n\nB) And, how often do you keep to the budget you set?\nCHOOSE ONE ONLY\n1. Always \n2. Most of the time\n3. Sometimes\n4. Hardly ever\n5. Never\n6. Do not budget",0,{"$f":"Questions!D613","v":612}]
[null,"General saving behaviour ",null,"Saving on a regular basis ","A) Which of these best describes how often you save money?\nCHOOSE ONE ONLY\n1. Every month\n2. Most months\n3. Some months, but not others\n4. Rarely/never\n5. Don’t know\n\nB) Just thinking about the months that you save money is the amount that you save…\n1. Roughly the same each month\n2. A little different from month to month\n3. Very different from month to month\n4. Don’t know\n\nC) About how much on average do you personally manage to save each month, at the moment? \nENTER AMOUNT IN £\nVaries too much to say","Y (first Q, amended version)",{"$f":"Questions!D614","v":613}]
[null," Financial attitudes and motivations","Attitudes to money","Attitudes to managing money"," A) I feel under pressure to spend money on my children even when I can't afford it 0 (does not sound like me at all) to 10 (sounds a lot like me)\n\n\n0 does not sound like me\n...\n10 sounds a lot like me\nDon't know\nNot applicable","Y",{"$f":"Questions!D615","v":614}]
[null," Financial attitudes and motivations","Attitudes to money","Attitudes to managing money","To what extent do you agree or disagree with the\nstatement \n\n \"Nothing I do will make much difference to my financial situation\"\n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know\n","Y",{"$f":"Questions!D616","v":615}]
[null,"General attitudes and motivations (applied to money)","Self-control","People are able to abstain from/delay spending in order to live within their means and save for the future\n\n","How much do you agree or disagree with each of the following statements?  \n \n- I tend to buy things even when I can’t really afford them\n - I tend to live for today and let tomorrow take care of itself  \n - I find it more satisfying to spend money than to save it for the long term \n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know",0,{"$f":"Questions!D617","v":616}]
[null,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People are able to answer basic questions about interest rates and savings  \n","QUIZ Suppose you put £100 into a savings account with a guaranteed interest rate of 2% per year. You don’t make any further payments into this account and you don’t withdraw any money.\n\nHow much would be in the account at the end of the first year, once the interest payment is made?\n1: A. £120\n2: B. £140\n3: C. £104\n4: D. £102",0,{"$f":"Questions!D618","v":617}]
[null,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People are able to answer basic questions about the interest rates and loans \n\n\n\n","QUIZ You have taken out a loan for £500, and the interest rate you are charged is 10 percent per month. There are no other fees. At this interest rate, how much money would you owe in total after one month?\n\nA £505\nB £550\nC £510\nD £600\n",0,{"$f":"Questions!D619","v":618}]
[null,"Financial knowledge and understanding","Understanding financial concepts, products and situations","People understand basic financial concepts and are able to answer basic questions around interest rates and inflation \n","QUIZ If the inflation rate is 5% and the interest rate you get on your savings is 3%, will your savings have more, less or the same amount of buying power in a year’s time?\n1. More\n2. The same\n3. Less\n4. Don’t know",0,{"$f":"Questions!D620","v":619}]
[null,"Basic skills","Applied numeracy","People can successfully apply mathematical skills to financial problems","QUIZ The same TV is on sale in both shop A and B. In Shop A it is priced at £400.  In Shop B it is on sale for £500 with 10% discount.  Which one is cheaper? \n\n1:  The one sold in shop A \n2: The one sold in shop B \n3: They are both the same price \n4. Don't know",0,{"$f":"Questions!D621","v":620}]

{"sheet":"3-5 yrs","index":14,"n_rows":45,"n_cols":13,"rows_kept":45,"cut":false,"hidden":false,"merged":[[19,4,20,4],[19,3,20,3]]}
["Fincap cyp outcomes framework: age 3 - 5 indicators"]
[]
[]
["No.","Area","Top Tier Outcome","Lower level outcomes","Indicators","Final Measurement tool","Picture Question","Source/ whether tested","Notes","FKY picture based questions","Parenting Pilot question","BN recommended question","Mirroring"]
[1,"Connection",null,"CYP have their own regular source of money","Children receive pocket money regularly","Parent proxy\n\nIn which of the following ways does this child get money of their own?\nPlease tick all that apply\n\nRegular pocket money\nIn return for good behaviour or helping out at home / chores\nNow and again on special days out or holidays\nBirthdays / Christmas / Other celebrations\nWhen they see Grandparents or other close family friends / relatives\nIrregularly or when we have some money to spare\nNone - My child doen't have any money of their own\nOther (plesae state)\nDon't know\n\nIF 'Regular pocket money' is ticked:\n\nDo you give a regular set amount of pocket money to your child or does the amount vary?\n1. A regular set amount\n2. It varies\n[3  Don’t know]\n\nHow much pocket money do you usually give your child?\nOPEN: £____________ per week/ month","N","CYP fincap; Natcen NEW [Tested]",null,null,"Q6. In which of the following ways does this child get money of their own?\nPlease tick all that apply\n\nRegular pocket money\nIn return for good behaviour or helping out at home / chores\nNow and again on special days out or holidays\nBirthdays / Christmas / Other celebrations\nWhen they see Grandparents or other close family friends / relatives\nIrregularly or when we have some money to spare\nNone - My child doen't have any money of their own\nOther (plesae state)\nDon't know"]
[2,"Behaviour","Managing your money well day-to-day",null,"Children keep their money in a safe place eg. a piggy bank, money box or purse/wallet","Parent proxy\n\nDoes your child always keep their spending money somewhere safe (for example a money box or purse) or do they sometimes leave it lying around?\n1. They always keep their money somewhere safe\n2. They sometimes leave it lying around\n3. Not applicable- Child does not have own money\n[4. Don't know]\n\n\n\n","N","Natcen NEW [Not tested]",null,null,null,null,"Ability"]
[3,"Behaviour","Managing your money well day-to-day",null,"Children make age appropriate choices about how to spend their money","Parent proxy\n\nHow often does your child plan what they want to buy in advance?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n[5. Don't know]\n[6. Not applicable- child does not have own money]\n\n\n\nHow often does your child make impulse purchases?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n[5. Don't know]\n[6. Not applicable- child does not have own money]\n\n","N","Natcen NEW (tested and revised)",null,null,null,null,"Mindset, Ability (partial)"]
[4,"Connection","Access to and use of financial products","CYP receive advice and guidance about money as well as wider life goals","Children receive money advice and guidance from their parents and other family members","Parent proxy\n\nHow often do you give your child advice and guidance about money?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n[5. Don’t know]\n\n\nHow often does your child receive advice and guidance about money from  other family members?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n[5. Don’t know]","N","Natcen NEW [Tested]",null,"PQ7: Do your parents talk to you about what you spend your money on? \n\nYes\nNo",null,null,"Mindset"]
[5,"Connection","Access to and use of financial products","CYP receive advice and guidance about money as well as wider life goals",null,"Interviewer administered:\n\nPQ11: Do your parents talk to you about what you spend your money on? \n\nYes\nNo","Y - PQ11","FKY"]
[6,"Connection","Exposure to family finances","CYP witness financial transactions and processes","Children regularly see money in various forms being used to pay for things in shops","Parent proxy\n\nHow often do you do the following in front of your child?\n(GRID: Answer options:  Often, Sometimes, Rarely, Never , Don't Know)   \nPay for things using cash       \nPay for things using a debit or credit card      \nPay for things online                                         \nChecked the balance of a bank account                            \nUsed online banking to check a bank account                 \nChecked the balance on a credit card    \nUsed a cash machine to withdraw money                           \n    ","N","Natcen NEW [Not tested]",null,"make sure it is explained to them what paying by card, etc. really is",null,null,"Mindset (partial), Ability (partial)"]
[7,"Connection","Exposure to family finances","CYP are involved in discussions and decisions about household spending","Children hear everyday household spending decisions are being taken (eg. about the weekly shop)","Parent proxy\n\nHow often does your child hear about basic family spending decisions, for example what you buy in a weekly shop?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n[5. Don’t know]","N","Natcen NEW [Not tested]",null,null,null,null,"Mindset (partial), Ability (partial)"]
[8,"Connection","Experience of managing your own money (and the risks that come with it)","CYP have their own regular source of money","Children receive pocket money regularly","Parent proxy\n\nIn which of the following ways does this child get money of their own?\nPlease tick all that apply\n\nRegular pocket money\nIn return for good behaviour or helping out at home / chores\nParent proxy\n\nNow and again on special days out or holidays\nBirthdays / Christmas / Other celebrations\nWhen they see Grandparents or other close family friends / relatives\nIrregularly or when we have some money to spare\nNone - My child doen't have any money of their own\nOther (plesae state)\nDon't know\n\nIF 'Regular pocket money' is ticked:\n\nDo you give a regular set amount of pocket money to your child or does the amount vary?\n1. A regular set amount\n2. It varies\n[3  Don’t know]\n\nHow much pocket money do you usually give your child?\nOPEN: £____________ per week/ month","N","CYP fincap; Natcen NEW [Tested]",null,null,"Q6. In which of the following ways does this child get money of their own?\nPlease tick all that apply\n\nRegular pocket money\nIn return for good behaviour or helping out at home / chores\nNow and again on special days out or holidays\nBirthdays / Christmas / Other celebrations\nWhen they see Grandparents or other close family friends / relatives\nIrregularly or when we have some money to spare\nNone - My child doen't have any money of their own\nOther (plesae state)\nDon't know",null,"Ability (partial)"]
[9,"Connection","Experience of managing your own money (and the risks that come with it)","CYP have experience of paying for goods and activities","Children understand when things are being paid for in shops","Parent proxy\n\nDoes your child understand that you have to pay for things you want to buy in a shop?\n1. Yes\n2. No\n3. Don’t know\n\nDoes your child know that you are handing over money for things you want to buy when paying in a shop?\n1. Yes\n2. No\n3. Don’t know","N","Natcen NEW [Not tested]",null,null,null,null,"Mindset (partial), Ability"]
[10,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP accept that they cannot have everything they want and that everyone has to make trade-offs with their money","Children understand that people have to make choices about what they buy ","Parent proxy\n\nDo you think that your child understands that money is limited and people need to choose what they buy rather than buying everything they want?\n1. Yes, all the time\n2. Yes, sometimes\n3. No\n4. Don’t know\n\n","N","Natcen (amended by TNS) NEW [Tested]",null,"PQ12: Imagine you have £5 to spend. You see a toy you really want but you don't have enough money for it. What do you do?\n\nBuy something else\nAsk your mum or dad to buy it for you\nSave up your money to buy it later","How well do you think your child understands the following about money?\n\nThat you have to make choices when you spend your money\nThat you do not have an endless amount of money\n\n(Scale: Not at all well; Not very well; Quite well, Very well, Don't know)",null,"Connection; Ability"]
[11,"Mindset","Attitudes to money management (including spending, saving and borrowing)",null,null,"Interviewer administered:\n\nPQ18: Imagine you have £5 to spend. You see a toy you really want but you don't have enough money for it. What do you do?\n\nBuy something else\nAsk your mum or dad to buy it for you\nSave up your money to buy it later","Y - PQ18","FKY"]
[12,"Mindset","Money and values","CYP do not value themselves or others by their material possessions","Children do not think that their possessions are the most important thing about them","Parent proxy\n\nHow often does your child ask you to buy things because their friends have them?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n5. Don’t know\n\n","N","Natcen New\n",null,"PQ15: Click/draw a circle around your answer.\n\nDo you ask your mum or dad for things your friends have?\n\nA lot\nSometimes\nNo"]
[13,"Mindset","Money and values",null,null,"Parent proxy\n\nHave  you ever talked to your child about how they shouldn’t buy things just to fit in with friends?\n1. Yes\n2. No","N","Natcen New"]
[14,"Mindset","Money and values",null,null,"Interviewer administered:\n\nPQ16: Click/draw a circle around your answer.\n\nDo you ask your mum or dad for things your friends have?\n\nAll the time\nSometimes\nNever","Y - PQ16","FKY"]
[15,"Mindset","General mindset","CYP have self-esteem",null,"Measures not appropriate for children this age","N"]
[16,"Mindset","General mindset","CYP display self-control/self-regulation","Children show appropriate behaviour","Parent proxy\n\nPlease say how true or untrue the following statements are of your child:\n{Child} Frequently fights with others \n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Is irritable or quick to get angry\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Sometimes takes/steals things from others\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Is often disobedient\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Often tells lies\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child","N","BCS10 (Rutter)",null,null,null,null,"Behaviours (partial), Ability (partial)"]
[17,"Mindset","General mindset",null,null,"Interviewer administered:\n\nPQ8:My friend is playing with a toy and I want to play with it. What should I do? Take it off them / Ask if I can have a turn / Find something else to play with      \n","Y - PQ8","FKY (tested)",null,"PQ1:My friend is playing with a toy and I want to play with it. What should I do? Take it off them / Ask if I can have a turn / Find something else to play with      \n\nPQ2: I have a large jar of sweets but it is nearly dinner time. What should I do? Eat them all now / Eat some now and same some for another day",null,null,"Mindset"]
[18,"Mindset","General mindset",null,null,"\nInterviewer administered:\n\nPQ19: I have a large jar of sweets but it is nearly dinner time. What should I do? Eat them all now / Eat some now and same some for another day","Y - PQ19","\nFKY (1st question tested / 2nd question not tested)\n\n\n\n\n\n\n"]
[19,"Mindset","General mindset","CYP have self-efficacy",null,"Measures not appropriate for children this age","N",null,null,null,null,"\nParent-report items\n\nPlease say how true or untrue the following statements are of your child:\n{Child} Frequently fights with others \n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Is irritable or quick to get angry\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Sometimes takes/steals things from others\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Is often disobedient\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Often tells lies\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n\n"]
[20,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Children know that there are different coins, and can describe and name them","Parent proxy\n\nCan your child put coins in order of their value?\n1. Yes\n2. No\n3. Don’t know\n\nCan your child put banknotes in order of their value?\n1. Yes\n2. No\n3. Don’t know","N","New (Not tested)\n\n\n\n\n\nNew (tested)\nFKY question tested. Suitable for 4-5 year olds only\n\n\n",null,"Which one of these is worth the most? And which is worth the least? Question available on 3 levels : Low value coins / High value coins / notes "]
[21,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Children are beginning to understand that different coins and notes have different values","Parent proxy\n\nDoes your child understand that different coins and notes have different monetary values?\n1. Yes\n2. No\n3. Don’t know\n","N","\n\n\n\n\n\nNatcen New (Not tested)\n\n\n\n",null,"PQ17: Click/draw a circle around your answer.\n\nWhich one of these is worth the most? And which is worth the least?\n\nPQ18: Click/draw a circle around your answer.\n\nWhich one of these is worth the most? And which is worth the least?\n\nPQ19: Click/draw a circle around your answer.\n\nWhich one of these is worth the most? And which is worth the least?",null,null,"Behaviours (partial), Connection (partial)"]
[22,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language",null,"Interviewer administered:\n\nPQ1: Click/draw a circle around your answer.\n\nWhich one of these is worth the most?\n\nPQ2:  Click/draw a circle around your answer.\n\nWhich one of these is worth the least","Y - PQ1 & PQ2","FKY"]
[23,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language",null,"Interviewer administered:\n\nPQ4: Click/draw a circle around your answer.\n\nWhich one of these is worth the most?\n\nPQ5:  Click/draw a circle around your answer.\n\nWhich one of these is worth the least","Y - PQ4 & PQ5","FKY"]
[24,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Children are aware of and can explain basic financial language eg. spend, save, change","Parent proxy\n\n\nA: Is your child familiar with these simple financial terms? Please tick all that apply\n1. Save\n2. Spend\n3. Change\n4. Not sure\n\n[for each ticked at A]\nB: Has your child ever used these simple financial terms?\n1. Save\n2. Spend\n3. Change\n4. Not sure","N","TNS","Given the young age group, the story card exercise would need to be interviewer administered.\n\nParent proxy version could be used across a range of interview modes. With an online instrument, any not ticked at A could be filtered out at B.",null,null,null,"Behaviours (partial), Connection (partial)"]
[25,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language",null,"Interviewer administered:\n\nSQ1: Please can you tell me what is happening in these pictures?\n\nCoding list\n\nSave: keep, put away, look after\nSpend: use, give, pay for, buy\nChange: money back, left over","Y - SQ1","TNS","Given the young age group, the story card exercise would need to be interviewer administered.\n\nParent proxy version could be used across a range of interview modes. With an online instrument, any not ticked at A could be filtered out at B.",null,null,null,"Behaviours (partial), Connection (partial), Mindset (partial)"]
[26,"Ability","Understanding money management","CYP understand the value of money","Children are beginning to understand that certain things they need and want cost money","Parent proxy\n\nDoes your child understand that everyday items such as toys, clothes and food cost money?\n1. Yes\n2. No\n3. Don’t know\n\nDoes your child understand that activities such as classes or trips out cost money?\n1. Yes\n2. No\n3. Don’t know \n\n\nDoes your child understand that different things cost different amounts?\n1. Yes\n2. No\n3. Don’t know ","N","Natcen New [Not tested]"]
[27,"Ability","Understanding money management","CYP understand the value of money","Children are beginning to understand that diffrerent things cost different amounts","Parent proxy\n\nDoes your child understand that different items or activities cost different amounts?\n1. Yes\n2. No\n3. Don’t know\n","N","Natcen New (not tested)",null,null,null,null,"Behaviours, Connection, Mindset"]
[28,"Ability","Understanding money management","CYP understand the value of money",null,"Interviewer administered:\n\nCQ3; CQ4: Which of these do you think costs more?","Y - CQ3 & CQ4","TNS (Images courtesy of freedigitalphotos.net; leccyjustdoit and nipitphand)","(users should use CQ3 at thebeginning of the programme and CQ4 at the end  or vice-versa to ensure child has not just learned to choose the left or right response)",null,null,null,"Behaviours, Connection, Mindset"]
[29,"Ability","Understanding money management","CYP understand the value of money",null,"Interviewer administered:\n\nCQ5 CQ6: Which of these do you think costs more?","Y - CQ5 & CQ6","TNS (Images courtesy of freedigitalphotos.net; cuteimage and digitalart)","(users should use CQ5 at thebeginning of the programme and CQ6 at the end  or vice-versa to ensure child has not just learned to choose the left or right response)"]
[30,"Ability","Understanding money management","CYP understand the value of money","Children are aware that money is valuable and not a toy","Parent proxy\n\nDoes your child understand that money is not a toy?\n1. Yes\n2. No\n3. Don’t know ","N","Natcen New- Not tested\n\nPriority for testing"]
[31,"Ability","Understanding money management","CYP understand the value of money","Children know how to keep money safe","Parent proxy\n\nDoes your child always keep their spending money somewhere safe (for example a money box or purse) or do they sometimes leave it lying around?\n1. They always keep their money somewhere safe\n2. They sometimes leave it lying around\n3. Not applicable- Child does not have own money\n[4. Don't know]","N","Natcen New- Not tested. \n",null,"PQ10: Click/draw a circle answer (pick as many as you think).\n\nWhere are good places to keep your money? \nAround the house\nIn a piggy bank or money box\nIn the garden\nIn a purse or wallet",null,null,"Behaviours, Connection (partial), Mindset (partial)"]
[32,"Ability","Understanding money management",null,null,"Interviewer administered:\n\nPQ13: Click/draw a circle answer (pick as many as you think).\n\nWhere are good places to keep your money? \nAround the house\nIn a piggy bank or money box\nIn the garden\nIn a purse or wallet","Y - PQ13","FKY - tested"]
[33,"Ability","Understanding money management","CYP can apply their numeracy skills to financial issues","Children can do very simple addition and subtraction in relation to money","Interviewer administered:\n\nPQ3:\n\nI want to buy this lollipop. It costs £1.50.\nWhich coins will I need to buy the lollipop?\n\nPlease click/draw a circle around the right coins \n","Y - PQ3","Natcen/FKY",null,null,null,null,"Behaviours, Mindset (partial)"]
[34,"Ability",null,null,null,"Interviewer administered:\n\nPQ20:\n\nThe lolly costs 21p. What coins you need to pay the exact money?\n\n\nPlease click/draw a circle around the right coins","Y - PQ20","Natcen (Image courtesy of freedigitalphotos.net; nuchlee)"]
[35,"Ability","Basic skills","CYP have good literacy skills","Children perform at age appropriate levels in standardised literacy tests","Use standardised Maths/ English tests where available","N"]
[36,"Ability","Basic skills","CYP have good numeracy skills","Children perform at age appropriate levels in standardised numeracy tests","Use standardised Maths/ English tests where available","N"]
[37,"Ability","Basic skills","CYP have good problem solving skills","Children can identify and understand a problem","Use standardised Maths/ English tests where available","N"]
[38,"Ability","Basic skills",null,"Children can plan ways to solve a problem","Use standardised Maths/ English tests where available","N"]
[39,"Ability","Basic skills",null,"Children can monitor progress in tackling a problem","Use standardised Maths/ English tests where available","N"]
[40,"Ability","Basic skills",null,"Children can review solutions to problems and modify them if necessary","Use standardised Maths/ English tests where available","N"]
[41,"Ability","Other",null,null,null,"N"]

{"sheet":"5-7 yrs","index":15,"n_rows":94,"n_cols":16,"rows_kept":94,"cut":false,"hidden":false,"merged":[[41,14,42,14]]}
["Fincap cyp outcomes framework: age 5 - 7 indicators"]
[]
[]
["No.","Area","Top Tier Outcome","Lower level outcomes","Indicators","Final Measurement tool","Picture Question","Source/ whether tested","Notes","In CYP fincap survey?","FKY Picture based questions","CYP survey question","Join Sam question","FKY question","BN recommended Question","Mirroring"]
[42,"Financially capable behaviour",null,"CYP have their own regular source of money","Children receive pocket money regularly","Parent proxy\n\nIn which of the following ways does this child get money of their own?\nPlease tick all that apply\n\nRegular pocket money\nIn return for good behaviour or helping out at home / chores\nNow and again on special days out or holidays\nBirthdays / Christmas / Other celebrations\nWhen they see Grandparents or other close family friends / relatives\nIrregularly or when we have some money to spare\nNone - My child doen't have any money of their own\nOther (plesae state)\nDon't know\n\nIF 'Regular pocket money' is ticked:\n\nDo you give a regular set amount of pocket money to your child or does the amount vary?\n1. A regular set amount\n2. It varies\n[3  Don’t know]\n\nHow much pocket money do you usually give your child?\nOPEN: £____________ per week/ month","N","CYP fincap; Natcen NEW [Tested]",null,"Y",null,"(11-18) YP1. From which, if any, of the following places do you get money? \n\nASK ALL 7-17 year olds: \nCYP2 Where do you get your money from? \nMULTICODE OK. RANDOMISE CODES 1-6\n1. I do not get any money from my parents or other people – SP\n2. Pocket money or allowance from my parents or carers\n3. From my parents or carers as a reward for doing something\n4. Pocket money from other members of my family \n5. Birthdays, Christmas or special occasions\n6. Other (Please write in)\n"]
[43,"Financially capable behaviour","Managing your money well day-to-day",null,"Children keep their money in a safe place eg. a piggy bank, money box or purse/wallet (3-5)","Parent proxy\n\nDoes your child always keep their spending money somewhere safe (for example a money box or purse) or do they sometimes leave it lying around?\n1. They always keep their money somewhere safe\n2. They sometimes leave it lying around\n3. Not applicable- Child does not have own money\n[4. Don't know]\n\n","N","Natcen NEW [Not tested]",null,null,null,"ASK ALL 7-17 YEAR OLDS:\nNQ4: (IF NO AT QUESTION ABOVE: A bank account is somewhere people can keep their money rather than keeping it at home.) Do you have a bank account of your own?\n1. Yes \n2. No\n3. I don’t know if I have one\nASK ALL 7-17 YEAR OLDS WITH MONEY (CODES 1-7 at CYP2): \nCYP4 (IF HAVE BANK ACCOUNT: Apart from in your bank account(s)), Where do you keep your money? \nSELECT ALL THAT APPLY\n1. Purse or wallet\n2. Piggy bank or cash box at home\n3. My parent or carer looks after it for me\n4. Nowhere in particular\n5. Somewhere else (specify)\n6. Don’t know \n",null,null,null,"Connection, Ability"]
[44,"Financially capable behaviour","Managing your money well day-to-day",null,"Children have money saved up","Interviewer administered:\n\nPQ9: Do you have any money saved up?\n\nYes\nNo","Y-PQ9","FKY",null,null,null,"ASK ALL 7-17 YEAR OLDS WITH MONEY (CODES 1-7 at CYP2): \nCYP5 Do you know how much money you have in total? (IF HAVE BANK ACCOUNT, including in your bank) in all of those places?\n1. No \n2. Yes, roughly\n3. Yes exactly\n",null,"PQ3: Do you have any money saved up?\n\nYes\nNo",null,"Connection, Mindset, Ability"]
[45,"Financially capable behaviour","Managing your money well day-to-day",null,"Children know roughly how much money they have (including savings)","Parent proxy\n\nDoes your child know roughly how much money they have, including in their savings?\n1. Yes\n2. No\n3. Don’t know","N","Natcen NEW [Not tested]",null,null,null,"ASK ALL 7-17 YEAR OLDS WITH MONEY (CODES 1-7 at CYP2): \nCYP5 Do you know how much money you have in total? (IF HAVE BANK ACCOUNT, including in your bank) in all of those places?\n1. No \n2. Yes, roughly\n3. Yes exactly\n",null,null,null,"Connection (partial), Mindset, Ability"]
[46,"Financially capable behaviour","Managing your money well day-to-day",null,"Children make a simple plan for what they will spend their money on and are able to stick to it","Parent proxy\n\nHow often does your child plan what they want to buy in advance?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n[5. Don't know]\n[6. Not applicable- child does not have own money]\n\n{If yes} How often does your child stick to their plan?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n[5. Don't know]\n\nHow often does your child make impulse purchases?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n[5. Don't know]\n[6. Not applicable- child does not have own money]\n","N","Natcen New (first item tested)\n\n\n\n\n\n\n\n","\n","Y",null,"NCYP10  Imagine you were given £5 to spend on a school trip. Would you plan how to spend the money and then stick to that plan? For example, you work out how much you want to spend on different things like sweets or presents.\n1. Yes I would make a plan and stick to it\n2. Yes I would make a plan but would be unlikely to stick to it\n3. No I wouldn’t make a plan\n4. Don’t know\n",null,null,null,"Connection (partial), Mindset, Ability"]
[47,"Financially capable behaviour","Managing your money well day-to-day",null,"Children make age appropriate choices about how to spend their money (3-5)","Parent proxy\n\nHow often does your child plan what they want to buy in advance?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n[5. Don't know]\n[6. Not applicable- child does not have own money]\n\n{If yes} How often does your child stick to their plan?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n[5. Don't know]\n\nHow often does your child make impulse purchases?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n[5. Don't know]\n[6. Not applicable- child does not have own money]\n\nWhat is the longest time your child saved  for because they wanted to buy a specific item?\n1. Less than a week\n2. More than a week but less than month\n3. A month or more\n\nDoes your child know that they will need to make choices about what to spend their money on, for example only being able to afford to buy one item instead of two?\n1. Yes\n2. No\n3. Don’t know \n","N","Natcen","Note: This area is assessed by combining scores from multiple indicators - do not duplicate questions if already including in your survey",null,null,"ASK ALL 7– 17 YEAR OLDS: \nC2 Zig is 16, and he is an alien who has come from another planet to live on Earth. He can choose 3 of the items you see below. \nCan you pick the 3 most important things you think he needs to live here?\nRANDOMISE\n1. A house to live in\n2. Electricity\n3. Water supply\n4. Food\n5. New designer clothes\n6. TV\n7. Mobile phone\n8. Tablet/iPad\n9. Books\n10. Car\n11. Internet access\n12. Don’t know\n\nASK ALL 7-17 YEAR OLDS WITH MONEY:\nCYP8a When you have money, who usually decides whether you save any of it? \nMy parents or carers decide, I decide, we both decide, don’t know\nCYP8b When you have money, who usually decides what you spend it on? \nMy parents or carers decide, I decide, we both decide, don’t know\n",null,null,null,"Connection, Mindset, Ability"]
[48,"Financially capable behaviour","Managing your money well day-to-day",null,"Children check they have the right change when paying for things in shops","Parent proxy\n\nIs your child able to pay for something in a shop with cash?\n1. Yes\n2. No\n3. Don’t know\n\nDoes your child check they have been given the correct change when buying something in a shop?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n5. Don’t know  \n","N","Natcen New (not tested)","Understanding of change could also be assessed by giving  children simple sums  where they have to identify correct coins  . This can be implemented using toy coins or pictures of coins. \n\nFor example\n\nQuestion:\nThe lolly costs 15p. Jane gives the shop keeper 20p. What change should Jane get? ","Y",null,"Have one for adults, still need one for children",null,null,null,"Connection, Ability"]
[49,"Financially capable behaviour","Managing your money well day-to-day",null,"Children save up for things they want to buy and can save for at least a month","Parent proxy\n\nIf your child wants something do they mostly tend to…\n1. Use their own money to buy it straight away or save up for it\n2. Ask you to buy the item for them\n3. My child doesn’t want things\n4. Don’t know\n\nHow often does your child save up their own money because they want to buy a specific item ?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n5. Don’t know  \n\nWhat is the longest time your child saved  for because they wanted to buy a specific item?\n1. Less than a week\n2. More than a week but less than month\n3. A month or more","N","Natcen New (tested and revised);\nNew (not tested);\nNew (not tested)\n\n\n\n",null,"Y",null,"ASK ALL AGED 7 -17 (all 12-17 but only ask to 7-11 that selected code 1 at C1): \nCYP6 What is the longest time you have saved money up for something?\nSELECT ONE ONLY\n1. I haven’t saved up money\n2. Less than a week\n3. More than a week but less than month\n4. More than a month but less than a year\n5. More than a year\n6. Don’t know\n",null,null,null,"Connection, Mindset, Ability"]
[50,"Financially capable behaviour","Managing your money well day-to-day",null,"Children talk about money with friends and family openly","Parent proxy\n\nDoes your child ever talk to you about money? For example, how much pocket money they get, how much they spend or whether they're saving up for something?\n1. Yes, a lot\n2. Yes, sometimes\n3. No","N","Natcen NEW [Not tested] (TNS amended)",null,null,null,"ASK ALL CHILDREN AGED 7-17: \nCYP17 Who do you talk to about your money? \nTICK ALL THE PEOPLE YOU TALK TO ABOUT MONEY\n1. Friends\n2. Parents or carers\n3. Teachers\n4. My brothers and sisters\n5. Grandparents or other family\n6. I never talk about money (SINGLE CODE ONLY)\n7. Don’t know (SINGLE CODE ONLY)\n",null,null,null,"Connection, Mindset, Ability"]
[51,"Financially capable behaviour","Managing your money well day-to-day",null,"Children talk about money with friends and family openly","Interviewer administered:\nA: Do you and your friends talk about money? For example, how much pocket money you get, how much money you spend or whether you’re saving up for something?\n1. Yes\n2. No\n3. Don't Know","N","TNS"]
[52,"Connection","Access to and use of financial products","CYP have access to their own financial products","Children have their own bank account account (at a bank, building society, credit union, etc.)","Parent proxy\n\nDoes your child have a current account, held in their own name?\n1. Yes\n2. No\n[3.Don't know]\n\nDoes child have a savings account or junior ISA, held in their own name?\n1. Yes\n2. No\n[3.Don't know]\n\n","N","Natcen New (not tested)",null,null,null,"ASK ALL 7-17 YEAR OLDS:\nNQ4: (IF NO AT QUESTION ABOVE: A bank account is somewhere people can keep their money rather than keeping it at home.) Do you have a bank account of your own?\n1. Yes \n2. No\n3. I don’t know if I have one\n",null,null,null,"Behaviours, Ability"]
[53,"Connection","Access to and use of financial products","CYP receive advice and guidance about money as well as wider life goals","Children receive money advice and guidance from their family, teachers and other appropriate sources around money (3-5)","Parent proxy\n\nHow often do you give your child advice and guidance about money?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n5. Don’t know\n\nHow often does your child receive advice and guidance about money from teachers?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n5. Don’t know\n\nHow often does your child receive advice and guidance about money from any other sources?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n5. Don’t know","N","Natcen New (not tested)\n",null,null,"Do you parents talk to you about what you spend your money on? A lot / A little / No",null,null,"PQ8: Do your parents talk to you about what you spend your money on? \n\nA lot\nA little\nNo",null,"Behaviours, Mindset (partial)"]
[54,"Connection","Access to and use of financial products","CYP receive advice and guidance about money as well as wider life goals","Children receive money advice and guidance from their family, teachers and other appropriate sources around money (3-5)","Interviewer administered:\n\nPQ11: Do your parents talk to you about what you spend your money on? \n\nYes\nNo","Y-PQ11","FKY - tested"]
[55,"Connection","Exposure to family finances","CYP witness financial transactions and processes","Children regularly see money being used to pay for things in shops and online (3-5)","Parent proxy\n\nHow often do you do the following in front of your child?\n(GRID: Answer options:  Often, Sometimes, Rarely, Never , Don't Know)   \nPay for things using cash       \nPay for things using a debit or credit card      \nPay for things online                                         \nChecked the balance of a bank account                            \nUsed online banking to check a bank account                 \nChecked the balance on a credit card    \nUsed a cash machine to withdraw money                           \n    ","N","Natcen NEW [Not tested]",null,"Y",null,"ASK ALL 7-11 YEAR OLDS: \nYP6 Tick all the ways you see your parents pay for things\n1. Money (notes or coins)\n2. Debit card\n3. Online account (like Paypal)\n4. Mobile phone\n5. Credit card\n6. None of the above\n7. Don’t know\n",null,null,null,"Ability"]
[56,"Connection","Exposure to family finances","CYP are involved in discussions and decisions about household spending","Children are involved when everyday household spending decisions are being taken (eg. about the weekly shop) and trade-offs are being made","Parent proxy\n\nHow often do you involve your child in household spending decisions, for example what you buy in a weekly shop?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n[5. Don’t know]","N","Natcen NEW [Not tested]",null,"Y",null,"CYP1.  Do you get to have a choice in?\nYes / No / DK/ I/we don’t have \n1. Family days out or holidays \n2. What to buy in the family food shop\n",null,null,null,"Ability"]
[57,"Connection","Experience of managing your own money (and the risks that come with it)","CYP have their own regular source of money","Children receive pocket money regularly","Parent proxy\n\nIn which of the following ways does this child get money of their own?\nPlease tick all that apply\n\nRegular pocket money\nIn return for good behaviour or helping out at home / chores\nNow and again on special days out or holidays\nBirthdays / Christmas / Other celebrations\nWhen they see Grandparents or other close family friends / relatives\nIrregularly or when we have some money to spare\nNone - My child doen't have any money of their own\nOther (plesae state)\nDon't know\n\nIF 'Regular pocket money' is ticked:\n\nDo you give a regular set amount of pocket money to your child or does the amount vary?\n1. A regular set amount\n2. It varies\n[3  Don’t know]\n\nHow much pocket money do you usually give your child?\nOPEN: £____________ per week/ month","N","CYP fincap; Natcen NEW [Tested]",null,"Y",null,"See above",null,null,null,"Mindset (partial), Ability (partial)"]
[58,"Connection","Experience of managing your own money (and the risks that come with it)","CYP have responsibility for managing their own money","Children have a place to keep their money safe (e.g. a piggy bank or purse/wallet) and are allowed to look after it themselves","Parent proxy\n\nDoes your child have a safe place to keep their money, for example a piggy bank or savings account?\n1. Yes\n2. No\n3. Does not apply- child does not have own money\n","N","Natcen NEW [Not tested]",null,null,null,"(11-18) YP3. Where do you keep yor money?\n\nSELECT ALL THAT APPLY\n\nPurse/wallet\nPiggybank or cash box at home\nBank or building society account\nChild Trust Fund or JISA\nPost Office",null,null,null,"Behaviours, Ability"]
[59,"Connection","Experience of managing your own money (and the risks that come with it)","CYP have responsibility for managing their own money","Children make decisions about how to spend or save their money, supported by their parents","Parent proxy\n\nWho is mainly responsible for deciding how your child’s pocket money or allowance is spent?  \n1. I am\n2. Another family member or carer is\n3. My child is\n4. My child is not given any money\n[5. Don’t know]\n\n\nWho is mainly responsible for deciding when your child’s money should be saved for later?  \n2. Another family member or carer is\n3. My child is\n4. My child is not given any money\n[5. Don’t know]\n\n","N","Natcen New (tested and revised); Natcen New (not tested)\n\n\n\n\n",null,"Y",null,"ASK ALL 7-17 YEAR OLDS WITH MONEY:\nCYP8a When you have money, who usually decides whether you save any of it? \nMy parents or carers decide, I decide, we both decide, don’t know\nCYP8b When you have money, who usually decides what you spend it on? \nMy parents or carers decide, I decide, we both decide, don’t know\n\n",null,null,null,"Behaviours, Mindset, Ability"]
[60,"Connection","Experience of managing your own money (and the risks that come with it)",null,null,"Parent proxy\n\nWho is mainly responsible for keeping your child’s money safe? \n1. I am\n2. Another family member or carer is\n3. My child is\n4. My child is not given any money\n[5. Don’t know]\n","N","Natcen New (not tested)"]
[61,"Connection","Experience of managing your own money (and the risks that come with it)","CYP have experience of paying for goods and activities","Children have experience of choosing coins and notes to pay for things in shops and waiting for change","Parent proxy\n\nIs your child able to make a cash payment in a shop?\n1. Yes\n2. No\n3. Don’t know\n\nDoes your child know to wait for change after they have made a cash payment?\n1. Yes\n2. No\n3. Don’t know\n","N","Natcen NEW [Not tested]",null,"Y",null,"(11-18) YP10. Which of the following do you use to pay for things?\n\nCash\nDebit card\nPre paid card\nOnline account\nOther (specify)",null,null,null,"Behaviours, Mindset (partial), Ability"]
[62,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP believe it's important to manage your money well and think carefully about how you spend it","Children believe it is important to think carefully about what they spend their money on","Parent proxy:\n\nDoes your child think it's important to think carefully before they spend their money?\n\nYes\nNo\nNot sure","N","TNS",null,"Y",null,null,null,null,null,"Behaviours, Connection, Ability"]
[63,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP believe it's important to manage your money well and think carefully about how you spend it","Children believe it is important to think carefully about what they spend their money on","Interviewer administered:\n\nPQ12: Imagine it was your birthday yesterday and you got £5, what would you do with it?\n\nI would spend it all at once\nI would wait and think about what to spend the money on","Y-PQ12","FKY (Not tested)",null,null,"Imagine it was your birthday yesterday and you got £5 what would you do with it? I would spend it all at once. I would save the money in my piggy bank or money box / I would wait and think about what to spend the money on.","(NCYP10  Imagine you were given £5 to spend on a school trip. Would you plan how to spend the money and then stick to that plan? For example, you work out how much you want to spend on different things like sweets or presents.\n1. Yes I would make a plan and stick to it\n2. Yes I would make a plan but would be unlikely to stick to it\n3. No I wouldn’t make a plan\n4. Don’t know\n",null,"PQ9: Imagine it was your birthday yesterday and you got £5, what would you do with it?\n\nI would spend it all at once\nI would save the money in my piggy bank or money box\nI would wait and think about what to spend the money on"]
[64,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP think it's good to plan for the future and save up for things","Children think that saving money is a good thing to do","Interviewer administered:\n\nPQ10: Click/draw a circle around the one that is most like you.\n\nI like to save my money\nI like to spend my money straight away","Y-PQ10","FKY (Tested)",null,"Y","What is most like you? I like to save my money / I like to spend my money straight away. AND It’s a good thing to save your money. Agree a lot / a little / no ","ASK ALL 7-17 YEAR OLDS: \nCYP11 Imagine someone gives you £10. How much would you spend and how much would you save for later?   \nINSERT SLIDER SCALE – Save £10 to Spend £10 – use £1 increments\n",null,"PQ4: Click/draw a circle around the one that is most like you.\n\nI like to save my money\nI like to spend my money straight away\n\nPQ5: Click/draw a circle around your answer.\n\nIt's a good thing to save your money\n\nYes\nNo",null,"Behaviours, Connection (partial), Ability"]
[65,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP think it's good to plan for the future and save up for things","Children think that saving money is a good thing to do","Interviewer administered:\n\nPQ21: Click/draw a circle around your answer.\n\nIt's a good thing to save your money\n\nYes\nNo","Y-PQ21","FKY (Tested)"]
[66,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP accept that they cannot have everything they want and that everyone has to make trade-offs with their money","Children don't continue to ask for things after they've been told they can't have them or will have to wait for them","Parent proxy\n\nHow often does your child pester you to buy things because they have spent all their own money?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n5. Don’t know\n\n","N","Natcen New (not tested)\n",null,"Y",null,"ASK ALL 7-17 YEAR OLDS: \nCYP9 Here are some things that people your age have said. How strongly do you agree or disagree with them (5 point scale)\nROTATE STATEMENTS\nSelect one for each row\nA. I don’t like it when my parents or carers say I cannot have things I see in shops\nB. I don’t like it when friends have things I don’t have\nC. I carry on with a task whether it is difficult or not\n",null,null,null,"Behaviours (partial), Connection, Ability"]
[67,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP accept that they cannot have everything they want and that everyone has to make trade-offs with their money","Children understand that people have to make choices about what they buy ","Parent proxy\n\nDo you think that your child understands that money is limited and that they can’t have everything they want?\n1. Yes, all the time\n2. Yes, sometimes\n3. No\n4. Don’t know\n\n","N","Natcen NEW [Tested]",null,null,null,null,null,"PQ12: Imagine you have £5 to spend. You see a toy you really want but you don't have enough money for it. What do you do?\n\nBuy something else\nAsk your mum or dad to buy it for you\nSave up your money to buy it later"]
[68,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP accept that they cannot have everything they want and that everyone has to make trade-offs with their money","Children understand that people have to make choices about what they buy ","Interviewer administered:\n\nPQ18: Imagine you have £5 to spend. You see a toy you really want but you don't have enough money for it. What do you do?\n\nBuy something else\nAsk your mum or dad to buy it for you\nSave up your money to buy it later","Y - PQ18","FKY"]
[69,"Mindset","Money and values","CYP do not value themselves or others by their material possessions","Children do not think that their possessions are the most important thing about them","Parent proxy\n\nHow often does your child ask you to buy things because their friends have them?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n5. Don’t know","N","Natcen New (not tested)\n",null,null,"Do you ask your mum and dad for things your friends have? A lot / Sometimes / No","none",null,"PQ15: Click/draw a circle around your answer.\n\nDo you ask your mum or dad for things your friends have?\n\nA lot\nSometimes\nNo"]
[70,"Mindset","Money and values","CYP do not value themselves or others by their material possessions","Children do not think that their possessions are the most important thing about them","Parent proxy\n\nHave  you ever talked to your child about how they shouldn’t buy things just to fit in with friends?\n1. Yes\n2. No","N","Natcen New (not tested)"]
[71,"Mindset","Money and values","CYP do not value themselves or others by their material possessions","Children do not think that their possessions are the most important thing about them","Interviewer administered:\n\nPQ16: Click/draw a circle around your answer.\n\nDo you ask your mum or dad for things your friends have?\n\nAll the time\nSometimes\nNever","Y-PQ16","FKY - tested"]
[72,"Mindset","Money and values","CYP have a positive/healthy emotional relationship with money","Children do not think that their possessions are the most important thing about them","outcome added from adult fw, but as per adult fw further research is needed to understand what this is and what a suitable indicator & question would be","N"]
[73,"Mindset","Money and values","CYP feel comfortable talking openly about money with friends and family","Children feel comfortable talking openly about money with friends and family","Parent proxy\n\nDoes your child ever talk to you about money? For example, how much pocket money they get, how much they spend or whether they're saving up for something?\n1. Yes, a lot\n2. Yes, sometimes\n3. No","N","Natcen NEW [Not tested] (TNS amended)",null,null,null,"ASK ALL CHILDREN AGED 7-17: \nCYP17 Who do you talk to about your money? \nTICK ALL THE PEOPLE YOU TALK TO ABOUT MONEY\n1. Friends\n2. Parents or carers\n3. Teachers\n4. My brothers and sisters\n5. Grandparents or other family\n6. I never talk about money (SINGLE CODE ONLY)\n7. Don’t know (SINGLE CODE ONLY)\n",null,null,null,"Behaviours, Connection, Ability (partial)"]
[74,"Mindset","Money and values","CYP feel comfortable talking openly about money with friends and family","Children feel comfortable talking openly about money with friends and family","Interviewer administered:\nA: Do you and your friends talk about money? For example, how much pocket money you get, how much money you spend or whether you’re saving up for something?\n1. Yes\n2. No\n3. Don't Know","N","TNS"]
[75,"Mindset","Aspirations and goals","CYP aspire to be good at managing their money","Children want to be good at managing their money","Interviewer administered:\n\nChloe gets £5 pocket money every week.  Chloe always spends £2 and puts £3 into her savings account.  Do you think Chloe sounds… [pick the one you think describes Chloe best]\na) Fun?\nb) Boring?\nc) Silly?\nd) Sensible?\ne) Stingy?\n\n\nChloe’s sister Daisy also gets £5 pocket money every week.  Daisy always spends all her pocket money and never saves any.  Do you think Daisy sounds… [pick the one you think describes Daisy best]\na) Fun?\nb) Boring?\nc) Silly?\nd) Sensible?\ne) Stingy?\n\n\nWhen it comes to spending and saving, are you more like Chloe or Daisy?\na) Chloe\nb) Daisy","N","Join Sam",null,null,null,null,"(Join Sam questions) 9. Chloe gets £5 pocket money every week.  Chloe always spends £2 and puts £3 into her savings account.  Do you think Chloe sounds… [pick the one you think describes Chloe best]\na) Fun?\nb) Boring?\nc) Silly?\nd) Sensible?\ne) Stingy?\n\n\n10. Chloe’s sister Daisy also gets £5 pocket money every week.  Daisy always spends all her pocket money and never saves any.  Do you think Daisy sounds… [pick the one you think describes Daisy best]\na) Fun?\nb) Boring?\nc) Silly?\nd) Sensible?\ne) Stingy?\n\n\n11. When it comes to spending and saving, are you more like Chloe or Daisy?\na) Chloe\nb) Daisy\n\n\n\n",null,null,"Behaviours (partial), Connection (partial), Ability (partial)"]
[76,"Mindset","Aspirations and goals","CYP have financial goals","Children have a plan for saving up a certain amount of money so that they can pay for something that they want themselves (they have a savings goal)","Parent proxy\n\nHow often does your child save up their money to buy a specific item?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n[5. Don't know]\n\n","N","Natcen NEW (not tested)",null,null,null,null,"(Join Sam questions) 1. Do you save money, for example at home in a money box or in a savings account? Please choose one answer.\na) Yes I save regularly\nb) Yes, but only occasionally\nc) No\n\n\nASK IF ANSWERED a, b or c for Q1\n1a.  People save for different reasons. Which of these statements best describes why you save? Please choose one answer.\na) I’m saving because my parents or guardians say it’s a good idea\nb) I’m saving up for a specific thing I want to buy\nc) I’m saving because I want to but not towards anything in particular\nd) I’m only saving because my parents or guardians make me\n",null,null,"Behaviours, Connection (partial), Ability"]
[77,"Mindset","General mindset","CYP have self-esteem","Children have a sense of their own value or worth","Parent proxy\n\nHow often does your child seem pleased or proud of themselves?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n[5. Don’t know]\n\nWhen around others does your child appear confident?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n[5. Don’t know]\n\n","N","First measure adapted from Rutter questionnaire item on emotional problems. New answer scale added for internal consistency. \n\nSecond measure adapted from Kid Kindl on self-confidence. New answer scale added for internal consistency. For original Qn see: http://www.kindl.org/english/information/\n\nThird item is new and untested.",null,"Y",null,"ASK 5 to 11 YEAR OLDS:\nLAWSEQ Q6. When you have to say things in front of teachers, do you usually feel shy? (Yes/No/Don't know)\nASK 5-11 YEAR OLDS:\nLAWSEQ Q10. Are there lots of things about yourself you would like to change? (Yes/No/Don't know)\n",null,null,"LAWSEQ Q1. Do you think that your parents usually like to hear about your ideas? (Yes/No/Don't know)\n\nLAWSEQ Q6. When you have to say things in front of teachers, do you usually feel shy? (Yes/No/Don't know)\n\nLAWSEQ Q10. Are there lots of things about yourself you would like to change? (Yes/No/Don't know)"]
[78,"Mindset","General mindset","CYP have self-esteem","Children have a sense of their own value or worth","Interviewer administered:\n\nDo you think that your parents usually like to hear about your ideas? (Yes/No/Don't know)\n\nWhen you have to say things in front of teachers, do you usually feel shy? (Yes/No/Don't know)\n\nAre there lots of things about yourself you would like to change? (Yes/No/Don't know)","N","LAWSEQ"]
[79,"Mindset","General mindset","CYP display self-control/self-regulation","Children show appropriate behaviour","\nParent proxy\n\nPlease say how true or untrue the following statements are of your child:\n{Child} Frequently fights with others \n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Is irritable or quick to get angry\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Sometimes takes/steals things from others\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Is often disobedient\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Often tells lies\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child","N","BCS10 (Rutter)",null,"Y",null,"Bilal",null,null,"Parent-report items\n\nPlease say how true or untrue the following statements are of your child:\n{Child} Frequently fights with others \n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Is irritable or quick to get angry\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Sometimes takes/steals things from others\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Is often disobedient\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Often tells lies\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child"]
[80,"Mindset","General mindset","CYP display self-control/self-regulation","Children show appropriate behaviour","Interviewer administered:\n\nPQ8:My friend is playing with a toy and I want to play with it. What should I do? Take it off them / Ask if I can have a turn / Find something else to play with      ","Y-PQ8","\nFKY (tested)\n\n\n\n\n\n\n",null,"Y","My friend is playing with a toy and I want to play with it. What should I do? Take it off them / Ask if I can have a turn / Find something else to play with AND      I have a large jar of sweets but it is nearly dinner time. What should I do? Eat them all now / Eat some now and same some for later","Bilal",null,"PQ1:My friend is playing with a toy and I want to play with it. What should I do? Take it off them / Ask if I can have a turn / Find something else to play with      \n\nPQ2: I have a large jar of sweets but it is nearly dinner time. What should I do? Eat them all now / Eat some now and same some for another day"]
[81,"Mindset","General mindset","CYP have self-efficacy",null,"Measures not appropriate for children this age","N",null,null,"Y",null,"ASK ALL 7-17 YEAR OLDS: \nCYP9 Here are some things that people your age have said. How strongly do you agree or disagree with them (5 point scale)\nROTATE STATEMENTS\nSelect one for each row\nA. I don’t like it when my parents or carers say I cannot have things I see in shops\nB. I don’t like it when friends have things I don’t have\nC. I carry on with a task whether it is difficult or not\n"]
[82,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Children know the value of coins and notes and can put them in order of value","Parent proxy\n\nCan your child put coins in order of their value?\n1. Yes\n2. No\n3. Don’t know\n\nCan your child put banknotes in order of their value?\n1. Yes\n2. No\n3. Don’t know","N","Natcen New (Not tested); Natcen New (tested)\n\n\n",null,"Y","Which one of these is worth the most? And which is worh the least? Question available on 3 levels : Low value coins / High value coins / notes \nAND: Can you put a 1 next to the coin you think is worht the least, a 2 next to the coin you think is worth the second to least, and so on","none - use FKY",null,"PQ17: Click/draw a circle around your answer.\n\nWhich one of these is worth the most? And which is worth the least?\n\nPQ18: Click/draw a circle around your answer.\n\nWhich one of these is worth the most? And which is worth the least?\n\nPQ19: Click/draw a circle around your answer.\n\nWhich one of these is worth the most? And which is worth the least?\n\nPQ20: Click/draw a circle around your answer.\n\nCan you put these in the right order? Put a 1 next to the coin you think is worth the least, a 2 next to the coin you think is worth second to least and so on.",null,"Connection"]
[83,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Children know the value of coins and notes and can put them in order of value","Interviewer administered:\n\nPQ1: Click/draw a circle around your answer.\n\nWhich one of these is worth the most?\n\nPQ2:  Click/draw a circle around your answer.\n\nWhich one of these is worth the least","Y-PQ1 & PQ2","FKY"]
[84,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Children know the value of coins and notes and can put them in order of value","Interviewer administered:\n\nPQ4: Click/draw a circle around your answer.\n\nWhich one of these is worth the most?\n\nPQ5:  Click/draw a circle around your answer.\n\nWhich one of these is worth the least","Y-PQ4 & PQ5","FKY"]
[85,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Children know the value of coins and notes and can put them in order of value","Interviewer administered:\n\nPQ22: Click/draw a circle around your answer.\n\nCan you put these in the right order? Put a 1 next to the coin you think is worth the least, a 2 next to the coin you think is worth second to least and so on.","Y-PQ22","FKY - tested"]
[86,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Children can identify different combinations of coins and notes that make the same amount of money, and can select the right coins and notes when paying for things in shops","Interviewer administered:\n\nPQ3:\nI want to buy this lollipop. It costs £1.50.\nWhich coins will I need to buy the lollipop?\n\nPlease click/draw a circle around the right coins ","Y-PQ3","Natcen/FKY","Please note multiple examples should be used. Questions used should vary so child does not learn correct response to a set question.\n",null,null,"none",null,"PQ21:\n\nI want to buy this lollipop. It costs £1.50.\nWhich coins will I need to buy the lollipop?\n\nPlease click/draw a circle around the right coins",null,"Connection"]
[87,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Children can identify different combinations of coins and notes that make the same amount of money, and can select the right coins and notes when paying for things in shops","Interviewer administered:\n\nPQ20:\nThe lolly costs 21p. What coins you need to pay the exact money?\n\nPlease click/draw a circle around the right coins","Y-PQ20","Natcen (Image courtesy of freedigitalphotos.net; nuchlee)"]
[88,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Children are aware of and can explain basic financial language e.g. spend, save, change (3-5)","Parent proxy\n\nDoes your child understand the following words and can use them appropriately in conversation?\n(1. Yes 2. No 3. Don't know) \nSpend\nSave\nChange","N","Natcen","Can be adapted to work across online, self-completion and and face-to-face modes","Y",null,"none as yet",null,null,null,"Behaviours (partial), Mindset (partial)"]
[89,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Children are aware of and can explain basic financial language e.g. spend, save, change (3-5)","Interviewer administered:\n\nWhat do you do with your money if you 'save' it?\n1. keep it for the future\n2. spend it in a shop\n\nIf you can 'afford' to buy something do you:\n1. have enough to pay for it\n2. not have enough to pay for it","N","TNS"]
[90,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Children are aware of and can explain basic financial language e.g. spend, save, change (3-5)","Interviewer administered:\n\nWhat does 'expensive' mean?\n1. it doesn't cost much\n2. it costs a lot of money\n","N","TNS"]
[91,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Children are aware of and can explain basic financial language e.g. spend, save, change (3-5)","Interviewer administered:\n\nWhat's the other word for 'money' meaning coins and notes?\n1. cash\n2. catch","N","TNS"]
[92,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Children recognise and use symbols for pounds (£) and pence (p)","Interviewer administered:\n\nCQ1: Which is worth more money?\n\n(SHOWCARD)\n£5\n5p\n","Y-CQ1","Natcen New (Not tested)","5p and £5 can be written on a showcard to give the child  (users should use CQ1 at thebeginning of the programme and CQ2 at the end  or vice-versa to ensure child has not just learned to choose the left or right response)",null,null,"none"]
[93,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Children recognise and use symbols for pounds (£) and pence (p)","Interviewer administered:\n\nCQ2: Which is worth more money?\n\n(SHOWCARD)\n£5\n5p\n","Y-CQ2","Natcen New (Not tested)"]
[94,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Children understand the concept of borrowing money from family or friends and having to pay it back later","Parent proxy\n\nDoes your child understand the difference 'lending' and 'giving'?\n1. Yes\n2. No\n3. Don't Know\n\n","N","Natcen New (Not tested)","The older child's approach to this measure could be used but it would have to be interviewer administered as children will not be able to write responses.  This is:\n\nWhat does the word 'borrow' mean?\n\nOPEN RESPONSE: \n\n1. Child can explain the word 'borrow'- mentions that the money ahs to be given back.\n2.  Child cannot explain the word 'borrow'.\n3.  Uncodeable  (unclear whether child understands or not)","Y",null,"none - note similarity to Mindset indicator - use only one of them"]
[95,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Children understand the concept of borrowing money from family or friends and having to pay it back later","Parent proxy\n\nDoes your child understand that if they borrow something they have to give it back?\n1. Yes\n2. No\n3. Don't Know","N","Natcen NEW [Not tested]"]
[96,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Children understand the concept of borrowing money from family or friends and having to pay it back later","Interviewer administered:\n\nIf you 'borrow' something do you...\n1. Keep it forever\n2. Give it back","N","TNS"]
[97,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Children know that they can save money in different ways (eg. cash at home, in a savings account etc)","\nParent proxy:\nIn which of the following places is your child aware that money can be kept?'\nPlease tick all that apply.\n\n1. In a bank\n2. In a piggy bank or money box\n3. In a purse, wallet or handbag\n4. In pockets\n5. Looked after by parents\n6. Somewhere else (please write in)","N","TNS","\n",null,null,"none",null,null,null,"Behaviours, Connection, Mindset"]
[98,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Children know that they can save money in different ways (eg. cash at home, in a savings account etc)","\nInterviewer administered:\nWhere can people keep their money so that it stays safe?\nCoding list: bank, piggy bank, money box, other container, purse, wallet, bag, pockets, at home, bedroom, other rooms in house, with a parent, other places.","N","TNS"]
[99,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Children understand that you can pay for things in different ways (eg. cash, debit card, mobile, etc.)","Parent proxy\n\nDoes your child understand that money can be used digitally, for example when buying something through an online store or an app?\n1. Yes\n2. No\n3. Don’t know ","N","Natcen New (tested and revised)","\n","Y",null,"ASK ALL 7-11 YEAR OLDS: \nYP6 Tick all the ways you see your parents pay for things\n1. Money (notes or coins)\n2. Debit card\n3. Online account (like Paypal)\n4. Mobile phone\n5. Credit card\n6. None of the above\n7. Don’t know\n",null,null,null,"Connection"]
[100,"Ability","Understanding money management","CYP understand the value of money","Children know how to keep their money safe (3-5)","Parent proxy\n\nDoes your child always keep their spending money somewhere safe (for example a money box or purse) or do they sometimes leave it lying around?\n1. They always keep their money somewhere safe\n2. They sometimes leave it lying around\n3. Not applicable- Child does not have own money\n[4. Don't know]","N","New- Not tested\n",null,null,"Where are good places to keep your money? Around the house / In a piggy bank or money box / In the garden /  In a purse or wallet","(11-18) YP3. Where do you keep yor money?\n\nSELECT ALL THAT APPLY\n\nPurse/wallet\nPiggybank or cash box at home\nBank or building society account\nChild Trust Fund or JISA\nPost Office",null,"PQ10: Click/draw a circle answer (pick as many as you think).\n\nWhere are good places to keep your money? \nAround the house\nIn a piggy bank or money box\nIn the garden\nIn a purse or wallet",null,"Behaviours, Connection, Mindset (partial)"]
[101,"Ability","Understanding money management","CYP understand the value of money","Children know how to keep their money safe (3-5)","Interviewer administered:\n\nPQ13: Click/draw a circle answer (pick as many as you think).\n\nWhere are good places to keep your money? \nAround the house / In a piggy bank or money box / In the garden / In a purse or wallet","Y-PQ13","FKY - tested"]
[102,"Ability","Understanding money management","CYP understand the value of money","Children are beginning to understand the consequences of losing money or having it stolen","Parent proxy\n\nDoes your child understand that if money is lost or stolen, they cannot get it back?\n\n1. Yes\n2. No\n3. Don't Know","N","TNS",null,null,null,"none",null,null,null,"Behaviours (partial), Connection (partial), Mindset (partial)"]
[103,"Ability","Understanding money management","CYP understand the value of money","Children are beginning to understand the consequences of losing money or having it stolen","Interviewer administered:\nWhat would it mean if you lost your money and someone found it and kept it?\n\n1. It would mean I couldn't buy what I wanted\n2. It would mean I'd have to get some more money from my parents\n3. It would mean I would have to ask a bank to replace it","N","TNS"]
[104,"Ability","Understanding money management","CYP understand the value of money","Children understand that money is limited and that they might not be able to have everything they want","Parent proxy\n\nDo you think that your child understands that money is limited and that they can’t have everything they want? \n1. Yes, all the time\n2. Yes, sometimes\n3. No\n4. Don’t know \n \n\nHave you ever explained to your child that money is limited and that they therefore can’t have everything they want?\n1.  Yes\n2. No\n3. Don’t know\n\nHow often do you explain to your child that money is limited and that they therefore can’t have everything they want?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n[5. Don’t know]\n\nDoes your child know that they will need to make choices about what to spend their money on, for example only being able to afford to buy one item instead of two?\n1. Yes\n2. No\n3. Don’t know \n","N","Natcen New (not tested); Natcen New (tested); Natcen New (not tested); Natcen New (tested)\n\n\n\n\n\n\n",null,"Y","Imagine you have £5 to spend. You see a toy you really want but you don’t have enough money for it. What do you do? Buy something else / Ask your mum and dad to buy it for you / Save up your money to buy it later.","none - might be a q in the parenting pilot questionnaire - need to adapt for children. Scenario one, or do we have a picture based question for this?",null,null,null,"Behaviours, Connection, Mindset"]
[105,"Ability","Understanding money management","CYP understand the value of money","Children understand that money is limited and that they might not be able to have everything they want","Interviewer administered:\n\nPQ18: Imagine you have £5 to spend. You see a toy you really want but you don't have enough money for it. What do you do?\n\nBuy something else\nAsk your mum or dad to buy it for you\nSave up your money to buy it later","Y-PQ18","\nFKY - TESTED"]
[106,"Ability","Understanding money management","CYP understand the value of money","Children understand what wants and needs are and can explain the difference between the two","Parent proxy\n\nDoes your child understand that there is a difference between things they need and things they may want? \n1. Yes\n2. No\n3. Don’t know\n","N","Natcen New (tested)\n",null,"Y",null,"ASK ALL 7– 17 YEAR OLDS: \nC2 Zig is 16, and he is an alien who has come from another planet to live on Earth. He can choose 3 of the items you see below. \nCan you pick the 3 most important things you think he needs to live here?\nRANDOMISE\n1. A house to live in\n2. Electricity\n3. Water supply\n4. Food\n5. New designer clothes\n6. TV\n7. Mobile phone\n8. Tablet/iPad\n9. Books\n10. Car\n11. Internet access\n12. Don’t know\n",null,"PQ11: Click/draw a circle around your answer.\n\nCan you help me? I only have £5 to spend and I am hungry. I can spend it on a new toy or on lunch. Which should I choose?\n\nToy\nLunch",null,"Behaviours (partial), Connection, Mindset"]
[107,"Ability","Understanding money management","CYP understand the value of money","Children understand what wants and needs are and can explain the difference between the two","Interviewer administered:\n\nPQ14: Click/draw a circle around your answer.\n\nCan you help me? I only have £5 to spend and I am hungry. I can spend it on a new toy or on lunch. Which should I choose?\n\nToy\nLunch","Y-PQ14","FKY"]
[108,"Ability","Understanding money management","CYP understand the value of money","Children understand that certain things they need and want (toys, activities, clothes and food) cost money","Parent proxy\n\nDoes your child understand that everyday items such as toys, clothes and food cost money?\n1. Yes\n2. No\n3. Don’t know\n\nDoes your child understand that activities such as classes or trips out cost money?\n1. Yes\n2. No\n3. Don’t know ","N","Natcen New (not tested)",null,"Y",null,"none - n.b. find existing list; list of options that may or may not cost money (NatCen Q)",null,null,null,"Behaviours, Connection, Mindset"]
[109,"Ability","Understanding money management","CYP understand the value of money","Children understand that different things cost different amounts","Parent proxy\n\nDoes your child understand that different items or activities cost different amounts?\n1. Yes\n2. No\n3. Don’t know\n","N","Natcen New (not tested)",null,null,null,"none",null,null,null,"Behaviours, Connection, Mindset"]
[110,"Ability","Understanding money management","CYP understand the value of money","Children understand that different things cost different amounts","Interviewer administered:\n\nCQ3; CQ4: Which of these do you think costs more?","Y-CQ3 & CQ4","TNS (Images courtesy of freedigitalphotos.net; leccyjustdoit and nipitphand)","(users should use CQ3 at thebeginning of the programme and CQ4 at the end  or vice-versa to ensure child has not just learned to choose the left or right response)"]
[111,"Ability","Understanding money management","CYP understand the value of money","Children understand that different things cost different amounts","Interviewer administered:\n\nCQ5; CQ6: Which of these do you think costs more?","Y-CQ5 & CQ6","TNS (Images courtesy of freedigitalphotos.net; cuteimage and digitalart)","(users should use CQ5 at thebeginning of the programme and CQ6 at the end  or vice-versa to ensure child has not just learned to choose the left or right response)"]
[112,"Ability","Understanding money management","CYP know how to keep track of their money and set and stick to a budget","Children know roughly how much money they have and can keep track of their money & spending using simple financial records (eg. counting the money in a money box)","Parent proxy\n\nIs your child able to keep track of their money e.g. by counting the money in their money box?\n1.Yes\n2. No\n3. My child does not have their own money","N","Natcen New (not tested)","\n\n",null,null,"(11-18) YP11. Do you keep track of your income and spending? \n\nPlease choose one option only\n\nSINGLE CODE \n1. Yes\n2. No\n3. Don’t know\n\n\n\n\nASK IF YP11 = 1\nYP12. How do you keep track of your income and spending? \nPlease select all that apply. \n\nMULTICODE OK. RANDOMISE 1 TO 7\n1. Online budgeting tool\n2. Online banking\n3. Spreadsheet\n4. Piece of paper\n5. In my head (mentally)\n6. Checking my bank balance at an ATM\n7. Reviewing my bank statements\n8. Other\n9. DK\n",null,null,null,"Behaviours, Connection (partial), Mindset (partial)"]
[113,"Ability","Understanding money management","CYP know how to save up for things they want","Children know how to put money aside for the future","\nParent proxy\n\nDoes your child know how to save money and keep their savings safe? \n1. Yes\n2. No\n3. Don’t know\n","N","TNS New (tested)",null,null,null,"ASK ALL 7-17 YEAR OLDS: \nCYP11 Imagine someone gives you £10. How much would you spend and how much would you save for later?   \nINSERT SLIDER SCALE – Save £10 to Spend £10 – use £1 increments\n",null,null,null,"Behaviours, Connection, Mindset,"]
[114,"Ability","Understanding money management","CYP know how to save up for things they want","Children know how to put money aside for the future","Interviewer administered:\n\nSuppose you wanted something really expensive and your mum or dad says you have to save up for it. Where would you put your money until you had saved enough? ASK UNPROMPTED\nPut money in a piggy bank/money box\nPut money in a bank account\nAsk my parents to look after the money, \nOther answer\nDon't know","N","TNS"]
[115,"Ability","Understanding money management","CYP know how to save up for things they want","Children understand why saving money for something you want to buy is important","Interviewer administered:\n\nWhich one of these do you agree with most? READ OUT AND CODE ONE\n - There is no point in saving money\n - I think it’s important to save money\n\n\n You may have heard people talking about saving money for the future.   Why do you think people save money? ASK UNPROMPTED\n - To buy something that's expensive \n - Just in case they need it in the future\n - Other answer\n - Don't know","N","TNS","Interviewer-administered.  At Q2 either of the first options would be recorded as the right answer, any other answer would be subject to judgement, and don't know would  be recorded as an incorrect answer.",null,null,null,"(Join Sam questions) 1. Do you save money, for example at home in a money box or in a savings account? Please choose one answer.\na) Yes I save regularly\nb) Yes, but only occasionally\nc) No\n\n\nASK IF ANSWERED a, b or c for Q1\n1a.  People save for different reasons. Which of these statements best describes why you save? Please choose one answer.\na) I’m saving because my parents or guardians say it’s a good idea\nb) I’m saving up for a specific thing I want to buy\nc) I’m saving because I want to but not towards anything in particular\nd) I’m only saving because my parents or guardians make me\n",null,null,"Behaviours, Connection (partial), Mindset"]
[116,"Ability","Understanding money management","CYP can apply their numeracy skills to financial issues","Children can do simple addition and subtraction in relation to money, including working out how much money they need to pay for multiple items and how much change they will get","Interviewer administered:\n\nPQ3:\n\nI want to buy this lollipop. It costs £1.50.\nWhich coins will I need to buy the lollipop?\n\nPlease click/draw a circle around the right coins \n","Y-PQ3","Natcen","Questions used should vary so child does not learn correct response to a set question.","Y",null,"none - basic maths question",null,null,null,"Behaviours, Connection, Mindset (partial)"]
[117,"Ability","Understanding money management","CYP can apply their numeracy skills to financial issues","Children can do simple addition and subtraction in relation to money, including working out how much money they need to pay for multiple items and how much change they will get","Interviewer administered:\n\nPQ20:\n\nThe lolly costs 21p. What coins you need to pay the exact money?\n\n\nPlease click/draw a circle around the right coins","Y-PQ20","Natcen (Image courtesy of freedigitalphotos.net; nuchlee)"]
[118,"Ability","Understanding the role of money in society","CYP understand the different sources of money","Children know that they can get money in different ways and they understand how they get their money","Interviewer administered:\n\nPQ23: Click/draw a circle around your answer.\n\nCan you help me? What are some different ways that children can get money?\n\nPocket money\nAsk mum or dad for some money\nEarn money for doing special jobs at home","Y-PQ23","FKY tested",null,null,"Can you help me? What are some different ways that children can get money? Pocket money / Ask mum and dad / Earn money by doing special jobs at home","ASK ALL 7-17 year olds: \nCYP2 Where do you get your money from? \nMULTICODE OK. RANDOMISE CODES 1-6\n1. I do not get any money from my parents or other people – SP\n2. Pocket money or allowance from my parents or carers\n3. From my parents or carers as a reward for doing something\n4. Pocket money from other members of my family \n5. Birthdays, Christmas or special occasions\n6. Other (Please write in)\n",null,"PQ14: Click/draw a circle around your answer.\n\nCan you help me? What are some different ways that children can get money?\n\nPocket money\nAsk mum or dad for some money\nEarn money for doing special jobs at home",null,"Behaviours (partial), Connection (partial)"]
[119,"Ability","Understanding the role of money in society","CYP understand the different sources of money","Children understand where the money their family has comes from","Parent proxy\n\nHow often have you talked to your child about where your household income comes from?\n\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n[5. Don’t know]\n\nHow confident are you that your child understand where your household gets its money from?  \n1. Very confident\n2. Fairly confident\n3. Not very confident\n4. Not confident at all","N","Natcen",null,null,"My parents get money for the family to spend. How do you think they get the money? Earn money by going to work / From the bank / From the till at the shop","none",null,"PQ13: Click/draw a circle around your answer.\n\nMy parents get money for the family to spend. How do you think they get the money?\n\nEarn money by going to work\nFrom the bank\nFrom the till at the shop",null,"Behaviours (partial), Connection (partial)"]
[120,"Ability","Understanding the role of money in society","CYP understand the different sources of money","Children understand where the money their family has comes from","Interviewer administered:\n\nPQ15: Click/draw a circle around your answer.\n\nMy parents get money for the family to spend. How do you think they get the money?\n\nEarn money by going to work\nFrom the bank\nFrom the till at the shop","Y-PQ15","FKY"]
[121,"Ability","Understanding the role of money in society","CYP understand the different sources of money","Children are beginning to understand about working to earn money","Parent proxy\n\nDo you ever give your child money in exchange for work, for example if they do chores around the house?\n1. Yes\n2. No\n3. Don't know\n\nDo you think your child understands that people can earn money by working?\n1. Yes\n2. No\n3. Don't know","N","Natcen New (Not tested)",null,null,"Could above FKY question be used here too?","C3 Zig will need more money so he can buy the things he will need to live here. What would be the best way for him to make sure he gets the money he needs to live here? \nSelect all that apply \n1. Do well at school\n2. Get a job\n3. Borrow from other people\n4. Hope to be given some\n5. Go to a cash machine\n6. Apply for help from the people in charge\n7. Don’t know\n",null,"PQ13: Click/draw a circle around your answer.\n\nMy parents get money for the family to spend. How do you think they get the money?\n\nEarn money by going to work\nFrom the bank\nFrom the till at the shop",null,"Behaviours (partial), Connection (partial)"]
[122,"Ability","Understanding the role of money in society","CYP understand the different sources of money","Children are beginning to understand about working to earn money","Interviewer administered:\n\nPQ15: Click/draw a circle around your answer.\n\nMy parents get money for the family to spend. How do you think they get the money?\n\nEarn money by going to work / From the bank / From the till at the shop","Y-PQ15","FKY"]
[123,"Ability","Understanding the role of money in society","CYP understand that companies exist to make money","Children are beginning to understand that adverts (eg. in shops, online and on TV) are designed to make people buy things","Parent proxy\n\nHow often do you explain the purpose of adverts and the tactics companies use to sell more products to your child?\n1. Often\n2.Sometimes\n3 Rarely\n4.Never\n[5.Don’t know]\n\nHow confident are you that your child understands that adverts are designed to try and make people buy things?  \n1. Very confident\n2. Fairly confident\n3. Not very confident\n4. Not confident at all\n\n","N","Natcen New (tested and revised); Natcen New (tested)\n\n",null,null,"I asked my friends what adverts on TV are for. What do you think? To give you a break / To be fun to watch / To make you buy things (Multi option)","none",null,"PQ16: Click/draw a circle around your answer.\n\nI asked my friends what they think adverts on TV are for. This is what they said. What do you think?\n\nTo give you a break - Yes/No\nTo be fun to watch - Yes/No\nTo make you buy things - Yes/No"]
[124,"Ability","Understanding the role of money in society","CYP understand that companies exist to make money","Children are beginning to understand that adverts (eg. in shops, online and on TV) are designed to make people buy things","Interviewer administered\n\nPQ17: Click/draw a circle around your answer.\n\nI asked my friends what they think adverts on TV are for. This is what they said. What do you think?\n\nTo give you a break - Yes/No\nTo be fun to watch - Yes/No\nTo make you buy things - Yes/No","Y-PQ17","\nFKY questions tested"]
[125,"Ability","Understanding values and emotions around money","CYP understand their own values and feelings around money",null,null,"N"]
[126,"Ability","Basic skills","CYP have good literacy skills","Children perform at age appropriate levels in standardised literacy tests","\nUse standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)","N",null,null,null,null,"none"]
[127,"Ability","Basic skills","CYP have good numeracy skills","Children perform at age appropriate levels in standardised numeracy tests","\nUse standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)","N",null,null,null,null,"none"]
[128,"Ability","Basic skills","CYP have good problem solving skills","Children can identify and understand a problem","\nUse standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)","N",null,null,null,null,"none"]
[129,"Ability","Basic skills","CYP have good problem solving skills","Children can plan ways to solve a problem","\nUse standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)","N",null,null,null,null,"none"]
[130,"Ability","Basic skills","CYP have good problem solving skills","Children can monitor progress in tackling a problem","\nUse standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)","N",null,null,null,null,"none"]
[131,"Ability","Basic skills","CYP have good problem solving skills","Children can review solutions to problems and modify them if necessary","\nUse standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)","N",null,null,null,null,"none"]

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["Fincap cyp outcomes framework: age 7 - 11 indicators"]
[]
[]
["No.","Area","Top Tier Outcome","Lower level outcomes","Indicators","Final Measurement tool","Picture Question","Source/ whether tested","Notes","In CYP fincap survey?","CYP survey question","Join Sam question","FKY question","BN recommended Question","Mirroring"]
[132,"Financially capable behaviour",null,"CYP have their own regular source of money","Children receive a set amount of pocket money on a regular basis (5-7)","Where do you get your money from? \nMULTICODE OK. RANDOMISE CODES 1-6\n1. I do not get any money from my parents or other people – SC\n2. Pocket money or allowance from my parents or carers\n3. From my parents or carers as a reward for doing something\n4. Pocket money from other members of my family \n5. Birthdays, Christmas or special occasions\n6. Other (Please write in)\n\nASK ALL WITH POCKET MONEY (CODES 2 or 4 above): \nDo you receive the same amount of pocket money/allowance each week/month? \n1. Yes, the same\n2. No, it varies\n3. Don’t know","N","CYP fincap","1, 3 or 5 = no to indicator, 2 or 4 = ask follow-up question","Y","ASK ALL 7-17 year olds: \nCYP2 Where do you get your money from? \nMULTICODE OK. RANDOMISE CODES 1-6\n1. I do not get any money from my parents or other people – SC\n2. Pocket money or allowance from my parents or carers\n3. From my parents or carers as a reward for doing something\n4. Pocket money from other members of my family \n5. Birthdays, Christmas or special occasions\n6. Other (Please write in)\n\nASK ALL 7-17 YEAR OLDS WITH POCKET MONEY (CODES 2 or 4 at CYP2): \nCYP3 Do you receive the same amount of pocket money/allowance each week/month? \n1. Yes, the same\n2. No, it varies\n3. Don’t know\n\n\n"]
[133,"Financially capable behaviour","Managing your money well day-to-day",null,"Children keep their money in a safe place eg. a piggy bank, money box or purse/wallet (3-5, 5-7) and keep information about their bank accounts safe","A bank account is somewhere people can keep their money rather than keeping it at home. Credit union and building society accounts are like bank accounts, if you have a credit union or building society account you should answer yes to this question. Do you have a bank account of your own?\n\nSC\n1. Yes\n2. No\n3. I don’t know if I have one\n\n\nASK ALL  WITH MONEY (CODES 2-6 at first question): \n(IF HAVE BANK ACCOUNT INSERT [“Apart from in your bank account(s)”] Where do you keep your money?\nMC\n1. Purse or wallet\n2. Piggy bank or cash box at home\n3. My parent/carer looks after it for me\n4. Nowhere in particular (SC)\n5. Somewhere else\n6. Don’t know (SC)\n\nIF HAVE BANK ACCOUNT\nIf you have a bank account, do you have a card that you can use at a cash machine or a bank book?  You can pick one or both answers.\nI have a card \nI have a bank book\nNo, neither of these\n\nIF HAVE A BANK BOOK OR CARD\nWhere do you keep your bank card or bank book? You can pick more than one answer.\nIn my purse/wallet\nMy parents look after it\nIn a safe place at home\nSomewhere else\nI don't have a special place where I keep this/these items\n\n","N","CYP fincap; TNS",null,null,"ASK ALL 7-17 YEAR OLDS:\nNQ4: A bank account is somewhere people can keep their money rather than keeping it at home. Credit union and building society accounts are like bank accounts, if you have a credit union or building society account you should answer yes to this question. Do you have a bank account of your own?\n\nSC\n1. Yes\n2. No\n3. I don’t know if I have one\n\n\nASK ALL 7-17 YEAR OLDS WITH MONEY (CODES 2-8 at CYP2): \nCYP4 (IF HAVE BANK ACCOUNT INSERT [“Apart from in your bank account(s)”] Where do you keep your money?\nMC\n1. Purse or wallet\n2. Piggy bank or cash box at home\n3. My parent/carer looks after it for me\n4. Nowhere in particular (SC)\n5. Somewhere else\n6. Don’t know (SC)\n\n\nASK ALL 8 to 17 YEAR OLDS WITH A BANK ACCOUNT:\nPP19 Which of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)",null,null,null,"Connection, Mindset (partial), Ability"]
[134,"Financially capable behaviour","Managing your money well day-to-day",null,"Children have money saved up (5-7)","ASK ALL WITH MONEY (CODES 2-6 at first question):  \nWhen you get money, how often do you save at least some of it, [say by putting it in a piggy bank or cash box or into your bank account]?\nSELECT ONE ONLY\n1. Every time I get money\n2. Most times I get money\n3. Sometimes\n4. Never\n5. Don’t know ","N","CYP fincap",null,null,"ASK ALL 7-17 YEAR OLDS WITH MONEY (CODES 1-7 at CYP2):  \nYP3 When you get money,  how often do you save at least some of it, [say by putting it in a piggy bank or cash box or into your bank account]?\nSELECT ONE ONLY\n1. Every time I get money\n2. Most times I get money\n3. Sometimes\n4. Never\n5. Don’t know \n\n\n",null,null,null,"Connection, Mindset, Ability"]
[135,"Financially capable behaviour","Managing your money well day-to-day",null,"Children know how much money they have (including savings) and keep track of their spending","Think about all your money. Do you know how much money you have right now?:\n\n1. Yes\n2. No\n3. Don't know \n\nWhen you buy things using your money, do you keep track of how much you spend and how much you have left? \n\n1. I do this a lot\n2. I do this sometimes\n3. I rarely do this\n4. I never do this\n5. I do not have my own money to spend\n6.  Don’t Know\n","N","Natcen New- first item not tested, second item tested and revised","Use question below, if programme is particularly interested in bank accounts",null,"\nASK ALL 8 to 17 YEAR OLDS WITH A BANK ACCOUNT:\nPP19 Which of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)\n\nASK ALL 7-17 YEAR OLDS WITH MONEY (CODES 1-7 at CYP2): \nCYP5 Do you know how much money you have in total? (IF HAVE BANK ACCOUNT, including in your bank)\n1. No \n2. Yes, roughly\n3. Yes exactly\n",null,null,null,"Connection (partial), Mindset, Ability"]
[136,"Financially capable behaviour","Managing your money well day-to-day",null,"Children know how much money they have (including savings) and keep track of their spending","ASK ALL WITH A BANK ACCOUNT:\nWhich of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)\n\nASK ALL WITH MONEY (CODES 2-6 at first question): \nDo you know how much money you have in total? (IF HAVE BANK ACCOUNT, including in your bank)\n1. No \n2. Yes, roughly\n3. Yes exactly\n","N","CYP fincap"]
[137,"Financially capable behaviour","Managing your money well day-to-day",null,"Children make a plan for what they will spend their money on and stick to it","Do you plan what you want to buy with your money before you spend it?\n1. A lot\n2. Sometimes \n3. Never\n4. I do not have my own money to spend\n\nHow often do you stick to your plan? \n1. A lot\n2. Sometimes \n3. Never\n4. I do not plan on what to buy\n","N","Natcen New-Not tested",null,"Y","\nNCYP10  Imagine you were given £5 to spend on a school trip. Would you plan how to spend the money and then stick to that plan? For example, would you work out how much you want to spend on different things like sweets or presents.\n1. Yes, I would make a plan and stick to it\n2. Yes, I would make a plan but would be unlikely to stick to it\n3. No, I wouldn’t make a plan\n4. Don’t know\n",null,null,null,"Connection, Mindset, Ability"]
[138,"Financially capable behaviour","Managing your money well day-to-day",null,"Children make choices about how to spend their money that are based on their needs and on value for money","When you have money, who usually decides what you spend it on?\nSINGLE\n\nMy parents or carers decide\nI decide\nWe both decide\nDon't know\n\nASK ALL WITH MONEY (CODES 2-6 at first question):  \nWhen you get money,  how often do you save at least some of it, [say by putting it in a piggy bank or cash box or into your bank account]?\nSELECT ONE ONLY\n1. Every time I get money\n2. Most times I get money\n3. Sometimes\n4. Never\n5. Don’t know \n\nWhen you want to buy something for yourself, how often do you...\nNever\nRarely\nSometimes\nOften\nDon't know\n... look in different places or stores to compare prices?\n …  think about whether your friends would approve of the item?\n ...  think about whether the item is good value for money?","N","CYP fincap",null,"Y","CYP8b: When you have money, who usually decides what you spend it on?\nSINGLE\n\nMy parents or carers decide\nI decide\nWe both decide\nDon't know\n\nASK ALL 7-17 YEAR OLDS WITH MONEY (CODES 1-7 at CYP2):  \nYP3 When you get money,  how often do you save at least some of it, [say by putting it in a piggy bank or cash box or into your bank account]?\nSELECT ONE ONLY\n1. Every time I get money\n2. Most times I get money\n3. Sometimes\n4. Never\n5. Don’t know \n\nASK ALL 11-17 YEAR OLDS:\nYP99. When you want to buy something for yourself, how often do you...\n1. Often \n2. Sometimes\n3. Rarely\n4. Never\n5. Don’t know\n... look in different places or stores to compare prices?\n …  think about whether your friends would approve of the item?\n ...  think about whether the item is good value for money?","(Join Sam questions) 6. A new toy or game you really want has just been released. It costs £35 and you don't have enough money to buy it. Do you: (Please choose one answer)\n\nNag your parents to buy it for you?\nDo some extra chores to earn the money needed to buy it?\nSave your pocket money until you can afford it?\nDecide not to buy it?\nFind another way of getting £35?",null,null,"Connection, Mindset, Ability"]
[139,"Financially capable behaviour","Managing your money well day-to-day",null,"Children check they have the right change when paying for things in shops (5-7)","When you buy something in a shop, do you check if you have been given the right change ?\n1. A lot\n2. Sometimes \n3. Never\n4. I do not buy things in shops","N","Natcen New-Not tested",null,"Y",null,null,null,null,"Connection, Mindset (partial), Ability (partial)"]
[140,"Financially capable behaviour","Managing your money well day-to-day",null,"Children shop around to get the best deal","When you want to buy something for yourself, how often do you...\nNever\nRarely\nSometimes\nOften\nDon't know\n... look in different places or stores to compare prices?\n …  think about whether your friends would approve of the item?\n ...  think about whether the item is good value for money?","N","CYP fincap",null,null,"ASK ALL 11-17 YEAR OLDS:\nYP99. When you want to buy something for yourself, how often do you...\n1. Often \n2. Sometimes\n3. Rarely\n4. Never\n5. Don’t know\n... look in different places or stores to compare prices?\n …  think about whether your friends would approve of the item?\n ...  think about whether the item is good value for money?\n",null,null,null,"Mindset, Ability"]
[141,"Financially capable behaviour","Managing your money well day-to-day",null,"Children save up for things they want to buy and can save over a longer time period (at least three months)","What is the longest time you have saved up for? (for example to buy something you wanted)\nSC\n1. I haven’t saved up money before\n2. Less than a week\n3. More than a week but less than month\n4. More than a month but less than a year\n5. More than a year\n6. Don’t know","N","CYP fincap",null,"Y","ASK ALL AGED 7-17 \nCYP6.  What is the longest time you have saved up for? (for example to buy something you wanted)\nSC\n1. I haven’t saved up money before\n2. Less than a week\n3. More than a week but less than month\n4. More than a month but less than a year\n5. More than a year\n6. Don’t know\n\n",null,null,null,"Connection (partial), Mindset, Ability"]
[142,"Financially capable behaviour","Managing your money well day-to-day",null,"Children talk about money with friends and family openly","Do you talk about your money with any of the following people? \nTICK ALL THE PEOPLE YOU TALK TO ABOUT MONEY (ROTATE 1-5)\n\nI never talk about money (SC)\nFriends\nParents or carers\nTeachers\nMy brothers and sisters\nGrandparents or other family members\nDon't know (SC)","N","CYP fincap",null,"Y","ASK ALL CHILDREN AGED 7-17: \nCYP17 Do you talk about your money with any of the following people? \nTICK ALL THE PEOPLE YOU TALK TO ABOUT MONEY (ROTATE 1-5)\n\nI never talk about money (SC)\nFriends\nParents or carers\nTeachers\nMy brothers and sisters\nGrandparents or other family members\nDon't know (SC)\n",null,null,null,"Connection (partial), Mindset "]
[143,"Connection","Access to and use of financial products","CYP have access to their own financial products from a young age","Children have their own bank account (at a bank, building society, credit union, etc.)","A bank account is somewhere people can keep their money rather than keeping it at home. Credit union and building society accounts are like bank accounts, if you have a credit union or building society account you should answer yes to this question. Do you have a bank account of your own?\n\nSC\n1. Yes\n2. No\n3. I don’t know if I have one\n","N","CYP fincap",null,"Y -  additional question to cover access, i.e. who actually makes the transactions with the bank","NQ4: A bank account is somewhere people can keep their money rather than keeping it at home. Credit union and building society accounts are like bank accounts, if you have a credit union or building society account you should answer yes to this question. Do you have a bank account of your own?\n\nSC\n1. Yes\n2. No\n3. I don’t know if I have one\n",null,null,null,"Behaviours, Ability"]
[144,"Connection","Access to and use of financial products","CYP are given experience of choosing their own financial products","Children are involved in the process of choosing and setting up their own bank accounts","IF HAVE BANK/B.S. ACCOUNT:\nDid your parents pick this bank account for you? \n1. Yes\n2. No\n3. Don't know\n\nDid your parents talk to you about which bank account you wanted ? \n1. Yes\n2. No\n3. Don't know","N","Natcen New- Not tested.",null,null,"old question no longer in survey\n\n\nASK ALL 7-17 YEAR OLDS WITH MONEY: COG?\nCYP8 How involved are you in the following decisions about your money? \n(Fully involved / Partly involved / Not at all involved)\nA. Deciding whether to spend or save my money\nB. Deciding how to spend my money\nC. Choosing my bank or savings account",null,null,null,"Ability"]
[145,"Connection","Access to and use of financial products","CYP receive advice and guidance about money as well as wider life goals","Children receive money advice and guidance from their family, teachers and other appropriate sources around money (5-7)","How often do your parents or carers teach you about money and spending?\nNever\nRarely\nSometimes\nOften\nDon't know\n\nHow often do your teachers teach you about  money and spending?\nNever\nRarely\nSometimes\nOften\nDon't know","N","\n\n\n\nNatcen\nNew-Not tested\n\n\n\n",null,"Y","ASK ALL 11-17 YEAR OLDS (MC – SC): \nYP16: If you needed advice about money, who would give useful advice? \nPlease select all that apply.  \n\nI do not ask for advice about money (SC)\nMy parents or carers \nMy friends\nMy teachers\nOther family members \nOther adults\nOnline  (for example, Youtube, Money Saving Expert)\nA bank, building society or other financial organisation \nTV programmes \nDon't know (SC)\n\nIF MULTICODE: And who would be the most useful (SINGLE)\n\nMy parents or carers \nMy friends\nMy teachers\nOther family members \nOther adults\nOnline  (for example, Youtube, Money Saving Expert)\nA bank, building society or other financial organisation \nTV programmes \nDon't know\nNone of them would give useful advice\n\nCYP18: Have you learnt about how to manage your money in school or college?\n(SINGLE)\n\nYes\nNo\nNot sure or don't remember",null,null,null,"Behaviours (partial), Mindset"]
[146,"Connection","Access to and use of financial products","CYP receive advice and guidance about money as well as wider life goals","Children receive money advice and guidance from their family, teachers and other appropriate sources around money (5-7)","If you needed advice about money, who would give useful advice? \nPlease select all that apply.  \n\nI do not ask for advice about money (SC)\nMy parents or carers \nMy friends\nMy teachers\nOther family members \nOther adults\nOnline  (for example, Youtube, Money Saving Expert)\nA bank, building society or other financial organisation \nTV programmes \nDon't know (SC)\n\nAnd who would be the most useful (SINGLE)\n\nMy parents or carers \nMy friends\nMy teachers\nOther family members \nOther adults\nOnline  (for example, Youtube, Money Saving Expert)\nA bank, building society or other financial organisation \nTV programmes \nDon't know\nNone of them would give useful advice\n\nHave you learnt about how to manage your money in school or college?\n(SINGLE)\n\nYes\nNo\nNot sure or don't remember","N","CYP fincap"]
[147,"Connection","Exposure to family finances","CYP witness financial transactions and processes","Children regularly see money being used to pay for things in shops and online","Have you seen your parents pay for things with? \nMC\n1. Money – (i.e. notes or coins)\n2. Debit card\n3. Online account (like Paypal)\n4. Mobile phone\n5. Credit card\n6. None of the above [SC]\n7. Don’t know [SC]\n","N","CYP fincap",null,"Y","ASK ALL 7-11 \nYP6 Have you seen your parents pay for things with? \nMC\n1. Money – (i.e. notes or coins)\n2. Debit card\n3. Online account (like Paypal)\n4. Mobile phone\n5. Credit card\n6. None of the above [SC]\n7. Don’t know [SC]\n\n",null,null,null,"Behaviours (partial), Ability "]
[148,"Connection","Exposure to family finances","CYP witness financial transactions and processes","Children regularly see adults checking the balance on their current and savings accounts, and checking transactions ","Do your parent(s) check their bank accounts in any of these ways?\n1. Visiting the bank or at the ATM/cash machine    Y/N/Not sure\n2. Checking online   Y/N/Not sure\n3. Letter or statement from the bank   Y/N/Not sure\n\n[follow up for any]\nHow often do you see your parent(s) check their bank accounts?\nNever\nRarely\nSometimes\nOften\nDon't know","N","TNS","Easier to filter in an online instrument as could follow up separately about each. \nOn paper could follow up in one catch all Q (e.g. 'in any of these ways').",null,"none",null,null,null,"Mindset, Ability"]
[149,"Connection","Exposure to family finances","CYP are involved in discussions and decisions about household spending","Children are involved when everyday household spending decisions are being taken (e.g. about the weekly shop) and trade-offs are being made (5-7)","Do you get to have a choice in?\n \n1. Family days out or holidays \n2. What to buy in the family food shop\n\n1. Yes\n2. No\n3. Don't know","N","CYP fincap",null,"Y","ASK ALL 7– 17 YEAR OLDS: \nCYP1.  Do you get to have a choice in?\n \n1. Family days out or holidays \n2. What to buy in the family food shop\n3. The cost of your mobile phone call and data package \n\n1. Yes\n2. No\n3. Don't know\n4. I don’t have a mobile phone [ROW 3 ONLY]\n\n\nASK ALL 7-17 YEAR OLDS: \nCYP9 Here are some things that people your age have said about money. How strongly do you agree or disagree with them\nROTATE STATEMENTS\nSelect one for each row\nMy parents or carers discuss with me what we can and can’t afford to buy (11-17 only)\nI don't like it when my parents or carers say I cannot have things I see in shops\nI don’t like it when friends have things I don’t have\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know \n",null,null,null,"Mindset (partial), Ability"]
[150,"Connection","Exposure to family finances","CYP are involved in discussions and decisions about household spending","Children are involved when everyday household spending decisions are being taken (e.g. about the weekly shop) and trade-offs are being made (5-7)","Here are some things that people your age have said about money. How strongly do you agree or disagree with them\nROTATE STATEMENTS\nSelect one for each row\nMy parents or carers discuss with me what we can and can’t afford to buy (11-17 only)\nI don't like it when my parents or carers say I cannot have things I see in shops\nI don’t like it when friends have things I don’t have\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know","N","CYP fincap"]
[151,"Connection","Experience of managing your own money (and the risks that come with it)","CYP have their own regular source of money","Children receive a set amount of pocket money on a regular basis (5-7)","Where do you get your money from? \nMULTICODE OK. RANDOMISE CODES 1-6\n1. I do not get any money from my parents or other people – SC\n2. Pocket money or allowance from my parents or carers\n3. From my parents or carers as a reward for doing something\n4. Pocket money from other members of my family \n5. Birthdays, Christmas or special occasions\n6. Other (Please write in)\n\nASK ALL WITH POCKET MONEY (CODES 2 or 4 above): \nDo you receive the same amount of pocket money/allowance each week/month? \n1. Yes, the same\n2. No, it varies\n3. Don’t know","N","CYP fincap","Measured at Question 1","Y","ASK ALL 7-17 year olds: \nCYP2 Where do you get your money from? \nMULTICODE OK. RANDOMISE CODES 1-6\n1. I do not get any money from my parents or other people – SC\n2. Pocket money or allowance from my parents or carers\n3. From my parents or carers as a reward for doing something\n4. Pocket money from other members of my family \n5. Birthdays, Christmas or special occasions\n6. Other (Please write in)\n\nASK ALL 7-17 YEAR OLDS WITH POCKET MONEY (CODES 1 at CYP2): \nCYP3 Do you receive the same amount of pocket money/allowance each week/month? \n1. Yes, the same\n2. No, it varies\n3. Don’t know\n\n\n",null,null,null,"Behaviours (partial), Mindset (partial), Ability (partial)"]
[152,"Connection","Experience of managing your own money (and the risks that come with it)","CYP have responsibility for managing their own money","Children have a place to keep their money safe (e.g. a piggy bank or purse/wallet) and are allowed to look after it themselves (5-7)","\nASK ALL WITH MONEY (CODES 2-6 at first question): \n(IF HAVE BANK ACCOUNT INSERT [“Apart from in your bank account(s)”] Where do you keep your money?\nMC\n1. Purse or wallet\n2. Piggy bank or cash box at home\n3. My parent/carer looks after it for me\n4. Nowhere in particular (SC)\n5. Somewhere else\n6. Don’t know (SC)\n\n\nASK ALL WITH A BANK ACCOUNT:\nWhich of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)","N","CYP fincap",null,null,"NQ4: A bank account is somewhere people can keep their money rather than keeping it at home. Credit union and building society accounts are like bank accounts, if you have a credit union or building society account you should answer yes to this question. Do you have a bank account of your own?\n\nSC\n1. Yes\n2. No\n3. I don’t know if I have one\n\n\nASK ALL 8 to 17 YEAR OLDS WITH A BANK ACCOUNT:\nPP19 Which of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)\n\nASK ALL 7-17 YEAR OLDS WITH MONEY (CODES 2-8 at CYP2): \nCYP4 (IF HAVE BANK ACCOUNT INSERT [“Apart from in your bank account(s)”] Where do you keep your money?\nMC\n1. Purse or wallet\n2. Piggy bank or cash box at home\n3. My parent/carer looks after it for me\n4. Nowhere in particular (SC)\n5. Somewhere else\n6. Don’t know (SC)\n \n\n",null,null,null,"Behaviours, Mindset (partial), Ability"]
[153,"Connection","Experience of managing your own money (and the risks that come with it)","CYP have responsibility for managing their own money","Children make decisions about how to spend or save their money, supported by their parents (5-7)","ASK ALL WITH MONEY:\nWhen you have money, who usually decides whether you save any of it? \nSC\n\nMy parents or carers decide \nI decide\nWe both decide\nDon’t know\n\nWhen you have money, who usually decides what you spend it on?\nSC\n \nMy parents or carers decide\nI decide\nWe both decide\nDon’t know","N","CYP fincap",null,"Y","ASK ALL 7-17 YEAR OLDS WITH MONEY:\nCYP8a When you have money, who usually decides whether you save any of it? \nSC\n\nMy parents or carers decide \nI decide\nWe both decide\nDon’t know\n\nCYP8b When you have money, who usually decides what you spend it on?\nSC\n \nMy parents or carers decide\nI decide\nWe both decide\nDon’t know\n\n\n",null,null,null,"Behaviours, Mindset, Ability"]
[154,"Connection","Experience of managing your own money (and the risks that come with it)","CYP have responsibility for managing their own money","Children can explain the choices they make with their own money (5-7)","\nWhich one of these is most like you?\n1. I like to wait for what I really want\n2. I like to spend some, save some\n3. I like to spend, spend, spend!","N","TNS",null,null,"none",null,null,null,"Behaviours (partial), Mindset (partial), Ability (partial)"]
[155,"Connection","Experience of managing your own money (and the risks that come with it)","CYP have experience of paying for goods and activities","Children have experience of paying for things in shops and waiting for change","When you go to shops, how often do you pay for things at the till yourself?\n1. A lot\n2. Sometimes\n3. Not very often\n3. Never, someone else pays\n\nWhat do you get when you are given 'change' at the till?\n1. Money back (as notes or coins)\n2. New clothes that you've swapped\n3. A receipt","N","TNS",null,"Y",null,null,null,null,"Behaviours, Mindset (partial), Ability (partial)"]
[156,"Connection","Experience of managing your own money (and the risks that come with it)","CYP have experience of paying for goods and activities","Children have experience of paying for things online (with the support of their parents) such as apps, games or music","Null","N","Natcen New-Not tested",null,"Y",null,null,null,null,"Ability"]
[157,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP believe it's important to manage your money well and think carefully about how you spend it","Children believe it is important to keep track of their money","How important is it to check how much money you have?\n\nVery important\nQuite important\nNot very important\nNot at all important","N","Natcen",null,"Y",null,null,null,null,"Behaviours, Connection, Ability"]
[158,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP believe it's important to manage your money well and think carefully about how you spend it","Children believe it is important to think carefully about what they spend their money on","\nImagine you were given £5 to spend on a school trip. Would you plan how to spend the money and then stick to that plan? For example, would you work out how much you want to spend on different things like sweets or presents.\n1. Yes, I would make a plan and stick to it\n2. Yes, I would make a plan but would be unlikely to stick to it\n3. No, I wouldn’t make a plan\n4. Don’t know","N","CYP fincap",null,"Y","\nNCYP10:  Imagine you were given £5 to spend on a school trip. Would you plan how to spend the money and then stick to that plan? For example, would you work out how much you want to spend on different things like sweets or presents.\n1. Yes, I would make a plan and stick to it\n2. Yes, I would make a plan but would be unlikely to stick to it\n3. No, I wouldn’t make a plan\n4. Don’t know\n\n\n",null,null,null,"Behaviours, Connection, Ability"]
[159,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP believe it's important to manage your money well and think carefully about how you spend it","Children think it's important to shop around and look for the best deals in order to make their money go further","Imagine you were given £5 to spend on a toy. What would you do?\n\nGo to the nearest toyshop and buy it\n\nFind out where sells it for the lowest price\n\nDon't know","N","MAS new",null,null,null,null,null,null,"Behaviours, Ability"]
[160,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP think it's good to plan for the future and save up for things","Children think that saving money is an important thing to do","Imagine someone gives you £10. How much would you spend and how much would you save for later?   \n(if online) SLIDER SCALE – Save £10 to Spend £10 – use £1 increments\n(if on paper) Spend all of it; Spend more than half; Spend about half; Spend less than half; Save all of it\n","N","CYP fincap (Join Sam)",null,"Y","ASK ALL 7-17 YEAR OLDS: \nCYP11 Imagine someone gives you £10. How much would you spend and how much would you save for later?   \nSLIDER SCALE – Save £10 to Spend £10 – use £1 increments\n",null,null,null,"Behaviours, Connection, Ability"]
[161,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP have a cautious attitude to borrowing and debt","Children believe they should not borrow money from friends or family if they cannot pay it back","Below are some things people your age have said about borrowing money. Which one best describes how you feel about borrowing money?\n\nSINGLE\n\nI'd rather not borrow money\nBorrowing money is OK, but only if I can pay it back\nBorrowing money does not bother me at all, even if I can't afford to pay it back\nI don't know","N","CYP fincap",null,"Y","(11-18) YP17. Below are some opinions that people have expressed about borrowing money. Which one best describes how you feel about borrowing money?\n\nPlease select the one that best applies. If no one matches exactly your own opinion, please select the one that most closely describes it\n\nSINGLE CODE. REVERSE CODES 1-3\n\nI'd rather not borrow money and I try to manage my money so that I can avoid doing so\nBorrowing money is OK; but only if I can pay it back and I am confident I can afford it\nBorrowing money does not bother me at all, even if I can't afford to pay it back\nNone of the above\nI don't know",null,null,null,"Ability"]
[162,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP accept that they cannot have everything they want and that everyone has to make trade-offs with their money","Children don't get angry or upset when they're told they can't have something they want but don't need (5-7)","Here are some things that people your age have said about money. How strongly do you agree or disagree with them (5 point scale)\nROTATE STATEMENTS\nSelect one for each row\nMy parents discuss with me what we can and can’t afford to buy\nI don't like it when my parents or carers say I cannot have things I see in shops\nI don’t like it when friends have things I don’t have\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know","N","CYP fincap",null,null,"ASK ALL 7-17 YEAR OLDS: \nCYP9 Here are some things that people your age have said about money. How strongly do you agree or disagree with them (5 point scale)\nROTATE STATEMENTS\nSelect one for each row\nMy parents discuss with me what we can and can’t afford to buy (11-17 only)\nI don't like it when my parents or carers say I cannot have things I see in shops\nI don’t like it when friends have things I don’t have\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know\n","\nn.b. consider altering indicator to something about understanding why can't have everything",null,null,"Behaviours, Connection, Ability"]
[163,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP accept that they cannot have everything they want and that everyone has to make trade-offs with their money","Children don't continue to ask for things after they've been told they can't have them or will have to wait for them (5-7)","Imagine you want something that is expensive.  You ask your parents to buy it for you but they say \"No\".  Here are some things other children have said they would do.  Which would you most likely do? \n\nKeep asking and hope that they will eventually say yes\nWait until a special occasion (e.g. birthday or Christmas)\nWait until I have enough money to buy it myself\nNothing, accept that I can't have it\n\n","N","TNS","Question can be administered across a range of modes (e.g. interviewer administered, paper or web self-completion).","Y",null,null,null,null,"Behaviours, Connection, Ability"]
[164,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP feel confident and in control of their financial situation","Children feel confident to manage their own money","How do you feel about these statements?\n1. 'I can decide for myself how to spend my own money'\n2. 'I can work out how much I need to save each week for something I want'\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know","N","TNS (The Money Charity)",null,"Y","ASK ALL 11 – 17 YEAR OLDS:\nNQ99. To what extent do you agree or disagree with the following things other people have said about money?\nRANDOMISE ORDER\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know\n\nA. Thinking about my money makes me anxious\nB. Nothing I do will make much difference to my money situation \nC. It is important to learn how to manage your money\n",null,null,null,"Behaviours, Connection, Ability (partial)"]
[165,"Mindset","Money and values","CYP do not value themselves or others by their material possessions","When making friends, material possessions are not the most important factor for children","Would you rather be friends with children who have expensive things than those who don't? \n1) Yes\n2) No\n","N","TNS","We recommend administering this question through a paper or web self-completion as there may be social desirability bias here (and if interviewer administered children may not wish to answer 'Yes' at this question)."]
[166,"Mindset","Money and values","CYP do not value themselves or others by their material possessions","Children do not think that their possessions are the most important thing about them","Do you think it’s important to have expensive things? \n1) No, not at all \n2) No, not really \n3) Yes, a little \n4) Yes, very much ","N","TNS","We recommend administering this question through a paper or web self-completion as there may be social desirability bias here (and if interviewer administered children may not wish to answer 'Yes, at little' or 'Yes, very much' at this question).",null,"ASK ALL 7-17 YEAR OLDS: \nCYP9 Here are some things that people your age have said about money. How strongly do you agree or disagree with them (5 point scale)\nROTATE STATEMENTS\nSelect one for each row\nMy parents discuss with me what we can and can’t afford to buy (11-17 only)\nI don't like it when my parents or carers say I cannot have things I see in shops\nI don’t like it when friends have things I don’t have\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know\n\nASK ALL 11-17 YEAR OLDS:\nYP99. When you want to buy something for yourself, how often do you...\n1. Often \n2. Sometimes\n3. Rarely\n4. Never\n5. Don’t know\nA. ...  look in different places or stores to compare prices?\nB. …  think about whether your friends would approve of the item?\nC. ...  think about whether the item is good value for money?\n"]
[167,"Mindset","Money and values","CYP have a positive/healthy emotional relationship with money",null,"outcome added from adult fw, but as per adult fw further research is needed to understand what this is and what a suitable indicator & question would be","N"]
[168,"Mindset","Money and values","CYP feel comfortable talking openly about money with friends and family","Children feel comfortable talking openly about money with friends and family (5-7)","Do you talk about your money with any of the following people? \nTICK ALL THE PEOPLE YOU TALK TO ABOUT MONEY (ROTATE 1-5)\n\nI never talk about money (SC)\nFriends\nParents or carers\nTeachers\nMy brothers and sisters\nGrandparents or other family members\nDon't know (SC)\n","N","CYP fincap",null,null,"ASK ALL CHILDREN AGED 7-17: \nCYP17 Do you talk about your money with any of the following people? \nTICK ALL THE PEOPLE YOU TALK TO ABOUT MONEY (ROTATE 1-5)\n\nI never talk about money (SC)\nFriends\nParents or carers\nTeachers\nMy brothers and sisters\nGrandparents or other family members\nDon't know (SC)\n",null,null,null,"Behaviours, Connection (partial)"]
[169,"Mindset","Aspirations and goals","CYP aspire to be good at managing their money","Children want to be good at managing their money (5-7)","How important to you is it that…\n\nYou learn how to save and spend your money well?\n1. Very important\n2. A little important\n3. Not that important","N","Natcen New- Not tested",null,"Y","ASK ALL 11 – 17 YEAR OLDS:\nNQ99. To what extent do you agree or disagree with the following things other people have said about money?\nRANDOMISE ORDER\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know\n\nA. Thinking about my money makes me anxious\nB. Nothing I do will make much difference to my money situation \nC. It is important to learn how to manage your money\n","(Join Sam questions) 9. Chloe gets £5 pocket money every week.  Chloe always spends £2 and puts £3 into her savings account.  Do you think Chloe sounds… [pick the one you think describes Chloe best]\na) Fun?\nb) Boring?\nc) Silly?\nd) Sensible?\ne) Stingy?\n\n\n10. Chloe’s sister Daisy also gets £5 pocket money every week.  Daisy always spends all her pocket money and never saves any.  Do you think Daisy sounds… [pick the one you think describes Daisy best]\na) Fun?\nb) Boring?\nc) Silly?\nd) Sensible?\ne) Stingy?\n\n\n11. When it comes to spending and saving, are you more like Chloe or Daisy?\na) Chloe\nb) Daisy\n\n\n\n","maybe put join sam question in somewhere else",null,"Behaviours (partial), Connection (partial), Ability (partial)"]
[170,"Mindset","Aspirations and goals","CYP have education and career goals","Children are thinking about the different jobs they might want to do when they're older","Do you have any idea what job you would like to have when you are older? \n1. Yes- I know exactly what I want to be\n2. I have some ideas but I am not totally decided\n3. No- I don't know what job I would like\n","N","Natcen 11-14 qs New- Not tested",null,null,"none",null,null,null,"Ability"]
[171,"Mindset","Aspirations and goals","CYP have financial goals","Children have a plan for saving up a certain amount of money so that they can pay for something that they want themselves (they have a savings goal) (5-7)","Do you save money, for example at home in a money box or in a savings account? Please choose one answer.\na) Yes I save regularly\nb) Yes, but only occasionally\nc) No\n\n\nASK IF ANSWERED a, b or c for question above\nPeople save for different reasons. Which of these statements best describes why you save? Please choose one answer.\na) I’m saving because my parents or guardians say it’s a good idea\nb) I’m saving up for a specific thing I want to buy\nc) I’m saving because I want to but not towards anything in particular\nd) I’m only saving because my parents or guardians make me","N","Join Sam",null,"Y","ASK ALL AGED 7-17 \nCYP6.  What is the longest time you have saved up for? (for example to buy something you wanted)\nSC\n1. I haven’t saved up money before\n2. Less than a week\n3. More than a week but less than month\n4. More than a month but less than a year\n5. More than a year\n6. Don’t know","(Join Sam questions) 1. Do you save money, for example at home in a money box or in a savings account? Please choose one answer.\na) Yes I save regularly\nb) Yes, but only occasionally\nc) No\n\n\nASK IF ANSWERED a, b or c for Q1\n1a.  People save for different reasons. Which of these statements best describes why you save? Please choose one answer.\na) I’m saving because my parents or guardians say it’s a good idea\nb) I’m saving up for a specific thing I want to buy\nc) I’m saving because I want to but not towards anything in particular\nd) I’m only saving because my parents or guardians make me\n","check for later version of join sam questions",null,"Behaviours, Connection (partial), Ability"]
[172,"Mindset","General mindset","CYP have self-esteem","Children have a sense of their own value or worth","Do you think that your parents usually like to hear about your ideas? (Yes/No/Don't know)\n\nWhen you have to say things in front of teachers, do you usually feel shy? (Yes/No/Don't know)\n\nAre there lots of things about yourself you would like to change? (Yes/No/Don't know)","N","LAWSEQ",null,"Y","Bilal\n\nASK 5 to 11 YEAR OLDS:\nLAWSEQ Q6. When you have to say things in front of teachers, do you usually feel shy? (Yes/No/Don't know)\nASK 5-11 YEAR OLDS:\nLAWSEQ Q10. Are there lots of things about yourself you would like to change? (Yes/No/Don't know)\n",null,null,"LAWSEQ Q1. Do you think that your parents usually like to hear about your ideas? (Yes/No/Don't know)\n\nLAWSEQ Q6. When you have to say things in front of teachers, do you usually feel shy? (Yes/No/Don't know)\n\nLAWSEQ Q10. Are there lots of things about yourself you would like to change? (Yes/No/Don't know)"]
[173,"Mindset","General mindset","CYP have self-esteem","Children have a sense of their own value or worth","Do you think that your parents usually like to hear about your ideas? (Yes/No/Don't know)\n\nWhen you have to say things in front of teachers, do you usually feel shy? (Yes/No/Don't know)\n\nAre there lots of things about yourself you would like to change? (Yes/No/Don't know)","N",null,null,null,"Bilal"]
[174,"Mindset","General mindset","CYP have self-esteem","Children have a sense of their own value or worth","Do you think that your parents usually like to hear about your ideas? (Yes/No/Don't know)\n\nWhen you have to say things in front of teachers, do you usually feel shy? (Yes/No/Don't know)\n\nAre there lots of things about yourself you would like to change? (Yes/No/Don't know)","N",null,null,null,"Bilal"]
[175,"Mindset","General mindset","CYP have self-esteem","Children have a sense of their own value or worth","Do you think that your parents usually like to hear about your ideas? (Yes/No/Don't know)\n\nWhen you have to say things in front of teachers, do you usually feel shy? (Yes/No/Don't know)\n\nAre there lots of things about yourself you would like to change? (Yes/No/Don't know)","N",null,null,"Y","Bilal"]
[176,"Mindset","General mindset","CYP display self-control/self-regulation","Children show appropriate behaviour","I often fight with other people\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n\nI get angry quickly\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n\nI sometimes take things belonging to other people\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n\nI am generally willing to do what is asked of me (e.g. by teachers or parents)\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n\nOther people say I tell lies\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all","N","BCS10 (Rutter)",null,null,"Bilal",null,null,"Parent-report items\n\nPlease say how true or untrue the following statements are of your child:\n{Child} Frequently fights with others \n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Is irritable or quick to get angry\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Sometimes takes/steals things from others\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Is often disobedient\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Often tells lies\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\nSelf-report:\nI often fight with other people\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n\nI get angry quickly\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n\nI sometimes take things belonging to other people\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n\nI am generally willing to do what is asked of me (e.g. by teachers or parents)\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n\nOther people say I tell lies\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n\n\n2. Setbacks don’t discourage me. \nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all \n\n7. I finish whatever I begin. \nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all \n\nI persist (carry on) with work whether it is difficult or not. \nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all","Behaviours (partial), Connection (partial), Ability (partial)"]
[177,"Mindset","General mindset","CYP display self-control/self-regulation","Children show appropriate behaviour","Parent proxy\n\nPlease say how true or untrue the following statements are of your child:\n{Child} Frequently fights with others \n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Is irritable or quick to get angry\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Sometimes takes/steals things from others\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Is often disobedient\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Often tells lies\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child","N","BCS10 (Rutter)"]
[178,"Mindset","General mindset","CYP display self-control/self-regulation","Children show perseverance","Setbacks don’t discourage me. \nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all \n\nI finish whatever I begin. \nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all \n\nI persist (carry on) with work whether it is difficult or not. \nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all","N","Duckworth Grit Scale; BCS 1970",null,"Y","Bilal",null,null,null,"Behaviours (partial), Behaviours (partial)"]
[179,"Mindset","General mindset","CYP have self-efficacy","Children believe they can improve their abilities through personal effort","Do you usually feel that it's almost useless to try in school because most students are cleverer than you? (Yes/No/Don't know)\n\nWhen someone is very angry with you is it impossible to make him your friend again? (Yes/No/Don't know)\n\nWhen bad things happen to you it is usually someone else's fault? (Yes/No/Don't know)\n\nWhen nice things happen to you is it only good luck? (Yes/No/Don't know)","N","CARALOC",null,"Y","Bilal\n\nASK ALL 7-17\nCARALOC 14. When nice things happen to you is it only good luck? (Yes/No/Don't know)\n",null,null,"CARALOC 5. Do you usually feel that it's almost useless to try in school because most students are cleverer than you? (Yes/No/Don't know)\nCARALOC 12. When someone is very angry with you is it impossible to make him your friend again? (Yes/No/Don't know)\nCARALOC 13. When bad things happen to you it is usually someone else's fault? (Yes/No/Don't know)\nCARALOC 14. When nice things happen to you is it only good luck? (Yes/No/Don't know)"]
[180,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Children know what bank accounts are, how they work (at a simple level) and the benefits of having them","Do you know what a bank account is?\n1. Yes\n2. No\n\n\nA bank account is somewhere people can keep their money rather than keeping it at home. Credit union and building society accounts are like bank accounts, if you have a credit union or building society account you should answer yes to this question. Do you have a bank account of your own?\n\nSC\n1. Yes\n2. No\n3. I don’t know if I have one\n\nWhich of the following would you use a bank account for?\nMULTICODE\n\nSeparating your notes from your coins\nKeeping your money in a safe place\nTaking out money when you want to buy something\nWorking out where is the cheapest place to buy something\nHaving extra money added to what you save","N","CYP fincap; MAS new",null,"Y","ASK ALL 7-11 YEAR OLDS\nNQ3: Do you know what a bank account is? (7-11)\n1. Yes\n2. No\n\n\nNQ4: A bank account is somewhere people can keep their money rather than keeping it at home. Credit union and building society accounts are like bank accounts, if you have a credit union or building society account you should answer yes to this question. Do you have a bank account of your own?\n\nSC\n1. Yes\n2. No\n3. I don’t know if I have one\n\nASK ALL 8 to 17 YEAR OLDS WITH A BANK ACCOUNT:\nPP19 Which of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)\n\nASK ALL 8-17 YEAR OLDS WITH A BANK/BS ACCOUNT (CODE 1 at NQ4): \nYP2 Do you know what type of bank account you have? Is it a….\nSINGLE CODE\n1. Current account\n2. Savings account\n3. I have both a current and a savings account\n4. I don’t know what type of bank account I have\n\n","Which of the following would you use a bank account for?\n\nSeparating your notes from your coins\nKeeping your money in a safe place\nTaking out money when you want to buy something\nWorking out where is the cheapest place to buy something\nHaving extra money added to what you save",null,null,"Behaviours, Connection"]
[181,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Children know what bank accounts are, how they work (at a simple level) and the benefits of having them","ASK ALL WITH A BANK ACCOUNT:\nWhich of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)\n\nASK ALL WITH A BANK/BS ACCOUNT: \nDo you know what type of bank account you have? Is it a….\nSINGLE CODE\n1. Current account\n2. Savings account\n3. I have both a current and a savings account\n4. I don’t know what type of bank account I have","N","CYP fincap"]
[182,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Children know that they can save money in different ways (e.g. in cash at home, in a savings account, etc.)","Where can you save your money?\nMC\n1. Purse or wallet\n2. Piggy bank or cash box at home\n3. My parent/carer looks after it for me\n4. Bank account (or building society or credit union account)\n5. Somewhere else\n6. Don’t know (SC)","N","Adapted from CYP fincap",null,null,"ASK ALL 7-17 YEAR OLDS WITH MONEY (CODES 2-8 at CYP2): \nCYP4 (IF HAVE BANK ACCOUNT INSERT [“Apart from in your bank account(s)”] Where do you keep your money?\nMC\n1. Purse or wallet\n2. Piggy bank or cash box at home\n3. My parent/carer looks after it for me\n4. Nowhere in particular (SC)\n5. Somewhere else\n6. Don’t know (SC)\n \nASK ALL 7-17 YEAR OLDS WITH MONEY (CODES 1-7 at CYP2):  \nYP3 When you get money,  how often do you save at least some of it, [say by putting it in a piggy bank or cash box or into your bank account]?\nSELECT ONE ONLY\n1. Every time I get money\n2. Most times I get money\n3. Sometimes\n4. Never\n5. Don’t know","Where can you save your money?\nMC\n1. Purse or wallet\n2. Piggy bank or cash box at home\n3. My parent/carer looks after it for me\n4. Bank account (or building society or credit union account)\n5. Somewhere else\n6. Don’t know (SC)",null,null,"Behaviours (partial), Connection (partial)"]
[183,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Children understand how to set up an account for their money","Which of these statements is true?\n                                                                                                   \n1. You are automatically given a bank account when you are born\n2. You or your parents have to choose and set up your own bank account\n\nTo set up a bank account which of these things do you think you would need?\n1. Name and address\n2. Date of birth\n3. Birth certificate\n4. Passport\n5. Note from your school\n6. Parents' personal details\n7. A computer/laptop/tablet\n8. A credit card\n9. Some money","N","TNS",null,null,null,null,null,null,"Connection"]
[184,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Children understand that if you borrow money you have to pay it back","When you 'borrow' money, do you…\n\n1. Keep it, it's for you\n2. Forget about it for now\n3. Pay it back, as soon as you can","N","TNS",null,"Y","none - note similarity to mindset indicator and only use one of them",null,null,null,"Mindset"]
[185,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Children understand that borrowing money and not being able to pay it back can have negative consequences","Do you agree or disagree with the following statements?                      \n  \n1. Borrowing money is OK as long as you pay bits back regularly\n2. I could get into trouble if I borrowed lots of money\n3. If you borrow money and do not pay it back nothing will happen\n4. Borrowing money and not paying it back means people might not trust you in the future\n\nAgree\nDisagree\n\n","N","TNS",null,"Y","none - same as indicator earlier on consequences - only use one of them",null,null,null,"Mindset"]
[186,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Children understand what interest is, and how it can be added to money that people save or borrow","Can you pick the description that best fits these words?\n\nInterest\nTax\n\nThe money that is added to savings by banks or building societies\nThe money people pay to government\nThe money you get when you retire from working\nThe amount you have in your bank account\n\n\n\nDON'T KNOW","N","CYP fincap","Draw a line between word and description if on paper or use drag and drop if online",null,"(11-18) YP18 Can you pick the description that best fits these words?\n\nInterest\nTax\n\nThe money that is added to savings by banks or building societies\nThe money people pay to government\nThe money you get when you retire from working\nThe amount you have in your bank account\n\n\n\nDON'T KNOW"]
[187,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Children understand that you can pay for things in different ways (eg. cash, debit card, mobile, etc.) (5-7)","Have you seen your parents pay for things with? \nMC\n1. Money – (i.e. notes or coins)\n2. Debit card\n3. Online account (e.g. Paypal)\n4. Mobile phone\n5. Credit card\n6. None of the above [SC]\n7. Don’t know [SC]\n","N","CYP fincap",null,"Y","ASK ALL 7-11 \nYP6 Have you seen your parents pay for things with? \nMC\n1. Money – (i.e. notes or coins)\n2. Debit card\n3. Online account (e.g. Paypal)\n4. Mobile phone\n5. Credit card\n6. None of the above [SC]\n7. Don’t know [SC]\n",null,null,null,"Connection"]
[188,"Ability","Understanding financial products and concepts","CYP understand how to choose financial products that meet their needs","Children are beginning to understand the basic things they need to think about when choosing between different accounts (eg. interest rates, how quickly and easily they can access the money, different account features etc.)","Which of these things should you think about when choosing a bank account?\nTick all that apply\n\n1. Having a bank card\n2. Picture on bank card\n3. How easy it is to get to the bank\n4. Whether my friends use the same bank\n5. Whether my parents use the same bank\n6. Whether you can take money out straightaway or you have to wait\n7. Special offers (e.g. free tickets/toy/piggy bank)\n8. Other (please write in)","N","TNS",null,null,null,null,null,null,"Connection"]
[189,"Ability","Understanding money management","CYP understand the value of money","Children understand that money is an important resource for their family","Responses to other questions in this section demonstrate this indicator\n","N",null,null,null,"none",null,null,null,"Behaviours (partial), Connection, Mindset"]
[190,"Ability","Understanding money management","CYP understand the value of money","Children understand that money is limited, and that they might not be able to have everything they want or need (5-7)","I don't spend money on things if I think I might need the money for something else (agree or disagree).\n\n\n\nFamilies have different things to spend their money on.   Which of the following do you think are essential and which are nice to have but only if you or family can afford it.  \n                                                \nHeating\nFood\nSweets\nTelevision\nSchool shoes\nElectricity\nExpensive trainers\nWinter coat\nTrip to the cinema\nGames console (e.g. Wii, xbox)\n\nEssential\nNice to have if can afford it","N","TNS",null,"Y","ASK 7+YEAR OLDS\nUN1\nI carry on with a task whether it is difficult or not\nSC\n1. Very much like me \n2. Mostly like me \n3. Somewhat like me \n4. Not much like me \n5. Not like me at all\n\n",null,null,null,"Behaviurs, Connection, Mindset"]
[191,"Ability","Understanding money management","CYP understand the value of money","Children can make spending decisions appropriate to their age based on their needs and priorities","When you have money, who usually decides what you spend it on?\nSINGLE\n\nMy parents or carers decide\nI decide\nWe both decide\nDon't know\n\nASK ALL WITH MONEY (CODES 2-6 at first question):  \nWhen you get money,  how often do you save at least some of it, [say by putting it in a piggy bank or cash box or into your bank account]?\nSELECT ONE ONLY\n1. Every time I get money\n2. Most times I get money\n3. Sometimes\n4. Never\n5. Don’t know \n\nWhen you want to buy something for yourself, how often do you...\nNever\nRarely\nSometimes\nOften\nDon't know\n... look in different places or stores to compare prices?\n …  think about whether your friends would approve of the item?\n ...  think about whether the item is good value for money?","N","CYP fincap",null,null,"C2 Zig is 16, and he is an alien who has come from another planet to live on Earth. He can choose 3 of the items you see below. \nCan you pick the 3 most important things you think he needs to live here? (7-11)\nRANDOMISE\n1. A house to live in\n2. Electricity\n3. Water supply\n4. Food\n5. New  clothes\n6. TV\n7. Mobile phone\n8. Tablet or iPad\n9. Books\n10. Car\n11. Internet access\n12. Don’t know (SC)\n\nASK ALL 7-17 YEAR OLDS WITH MONEY (CODES 1-7 at CYP2):  \nYP3 When you get money,  how often do you save at least some of it, [say by putting it in a piggy bank or cash box or into your bank account]?\nSELECT ONE ONLY\n1. Every time I get money\n2. Most times I get money\n3. Sometimes\n4. Never\n5. Don’t know \n\nYP3b: [You said that you save some money every time/most times/some of the time you get money.] How often do you spend that money on things you want? (7-17)\nSC\n\nEvery time I get money\nMost times I get money\nSometimes\nNever\nDon't know","CYP8b: When you have money, who usually decides what you spend it on?\nSINGLE\n\nMy parents or carers decide\nI decide\nWe both decide\nDon't know\n\nASK ALL 7-17 YEAR OLDS WITH MONEY (CODES 1-7 at CYP2):  \nYP3 When you get money,  how often do you save at least some of it, [say by putting it in a piggy bank or cash box or into your bank account]?\nSELECT ONE ONLY\n1. Every time I get money\n2. Most times I get money\n3. Sometimes\n4. Never\n5. Don’t know \n\nASK ALL 11-17 YEAR OLDS:\nYP99. When you want to buy something for yourself, how often do you...\n1. Often \n2. Sometimes\n3. Rarely\n4. Never\n5. Don’t know\n... look in different places or stores to compare prices?\n …  think about whether your friends would approve of the item?\n ...  think about whether the item is good value for money?",null,null,"Behaviours, Connection, Mindset"]
[192,"Ability","Understanding money management","CYP understand the value of money","Children understand that services like electricity, phones and the internet cost money","Which of the following cost your parents money?  (please select all that apply)\n1. Going to the park             Yes   No   Don’t know\n2. Electricity  in your home  Yes   No   Don’t know\n3. Going to an NHS doctor  Yes   No   Don’t know\n4. Going to a library              Yes   No   Don’t know\n5. Making phone calls          Yes   No   Don’t know\n6. Water that comes out of taps in your home   Yes   No   Don’t know\n","N","Natcen New, not tested ",null,"Y",null,null,null,null,"Connection"]
[193,"Ability","Understanding money management","CYP understand the value of money","Children understand that there is a difference between 'price' and 'value' and that some things are better value than others","A packet of chocolate biscuits costs £1 in one shop.  In another shop they have five packets of the same chocolate biscuits on sale for £3.  \n\nWhich shop sells the biscuits at the best value?\nFirst\nSecond\nDon't know\n\n","N","TNS","\"Don't know\" would cover inability to answer the question and inability to understand the word \"value\".","Y","ASK ALL 11-17 YEAR OLDS:\nYP99. When you want to buy something for yourself, how often do you...\n1. Often \n2. Sometimes\n3. Rarely\n4. Never\n5. Don’t know\n ...  look in different places or stores to compare prices?\n …  think about whether your friends would approve of the item?\n ...  think about whether the item is good value for money?",null,null,null,"Behaviours, Connection (partial)"]
[194,"Ability","Understanding money management","CYP understand the value of money","Children understand how to shop around to get the best value for money, and why this is important","Imagine you want a bike and your mum or dad offers to buy you a new one.  What do you think your mum or dad should do?\n\n - Go to your local bike shop and buy the one which you like the best\n - Go to two or three different bike shops and look at the prices of different bicycles, before deciding which one to buy\n","N","TNS","Question can be administered across a range of modes (e.g. interviewer administered, paper or web self-completion).",null,null,null,null,null,"Behaviours, Connection (partial), Mindset"]
[195,"Ability","Understanding money management","CYP know how to keep track of their money, and set and stick to a budget","Children know roughly how much money they have and can keep track of their money & spending using simple financial records (e.g. counting the money in a money box and writing down what they have and spend, checking their bank statements, etc.)","ASK ALL WITH A BANK ACCOUNT:\nWhich of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)\n\nASK ALL WITH MONEY (CODES 2-6 at first question): \nDo you know how much money you have in total? (IF HAVE BANK ACCOUNT INSERT [“including in your bank”])\nSC\n1. No \n2. Yes, roughly\n3. Yes exactly","N","CYP fincap ",null,null,"ASK ALL 8 to 17 YEAR OLDS WITH A BANK ACCOUNT:\nPP19 Which of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)\n\nASK ALL 7-17 YEAR OLDS WITH MONEY (CODES 2-8 at CYP2): \nCYP5 Do you know how much money you have in total? (IF HAVE BANK ACCOUNT INSERT [“including in your bank”])\nSC\n1. No \n2. Yes, roughly\n3. Yes exactly\n\n",null,null,null,"Behaviours, Connection (partial), Mindset"]
[196,"Ability","Understanding money management","CYP know how to keep track of their money, and set and stick to a budget","Children know roughly how much money they have and can keep track of their money & spending using simple financial records (e.g. counting the money in a money box and writing down what they have and spend, checking their bank statements, etc.)","When you buy things using your money, do you keep track of how much you spend and how much you have left? \n\n1. I do this a lot\n2. I do this sometimes\n3. I rarely do this\n4. I never do this\n5. I do not have my own money to spend\n6.  Don’t Know\n","N","Natcen (Tested and then revised)"]
[197,"Ability","Understanding money management","CYP know how to keep track of their money, and set and stick to a budget","Children know how to check a bank balance and read a bank statement","BSQ: Looking at this example of a bank statement, how much money was in the account at the end of February?\n\nDon't know","Y-BSQ","CYP fincap",null,"Y","P22: Looking at this example of a bank statement, how much money was in the account at the end of February? (12+)\n\nDon't know",null,null,null,"Connection (partial)"]
[198,"Ability","Understanding money management","CYP know how to keep track of their money, and set and stick to a budget","Children know they need to keep information about their accounts safe","Alfie and Helen both decide to put their money in a bank account.  They are both given a bank book with information about their account.\n\nAlfie keeps his bank book in his school bag so he can find it easily.  Helenkeeps hers in safe place at home.  Who do you agree with most, Alfie or Helen?\n\nAlfie\nHelen\nNeither/don't know\n","N","TNS","Question can be administered across a range of modes (e.g. interviewer administered, paper or web self-completion).",null,"ASK ALL 8 to 17 YEAR OLDS WITH A BANK ACCOUNT:\nPP19 Which of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)",null,null,null,"Behaviours"]
[199,"Ability","Understanding money management","CYP know how to save up for things they want and why it is good to save","Children know how to make deposits into an account","ASK ALL WITH A BANK ACCOUNT:\nWhich of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)","N","CYP fincap",null,null,"ASK ALL 8 to 17 YEAR OLDS WITH A BANK ACCOUNT:\nPP19 Which of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)\n",null,null,null,"Connection (partial), Mindset (partial)"]
[200,"Ability","Understanding money management","CYP know how to save up for things they want and why it is good to save","Children understand why saving money for something you want to buy is important ","A. Do you save money, for example at home in a money box or in a savings account? Please choose one answer.\na) Yes I save regularly\nb) Yes, but only occasionally\nc) No\n\n\nASK IF ANSWERED a or b for A\nPeople save for different reasons. Which of these statements best describes why you save? Please choose one answer.\na) I’m saving because my parents or guardians say it’s a good idea\nb) I’m saving up for a specific thing I want to buy\nc) I’m saving because I want to but not towards anything in particular\nd) I’m only saving because my parents or guardians make me\n","N","Join Sam",null,null,null,"(Join Sam questions) 1. Do you save money, for example at home in a money box or in a savings account? Please choose one answer.\na) Yes I save regularly\nb) Yes, but only occasionally\nc) No\n\n\nASK IF ANSWERED a, b or c for Q1\n1a.  People save for different reasons. Which of these statements best describes why you save? Please choose one answer.\na) I’m saving because my parents or guardians say it’s a good idea\nb) I’m saving up for a specific thing I want to buy\nc) I’m saving because I want to but not towards anything in particular\nd) I’m only saving because my parents or guardians make me\n",null,null,"Behaviurs, Connection (partial), Mindset"]
[201,"Ability","Understanding money management","CYP know how to save up for things they want and why it is good to save","Children know how to put money aside for the future (5-7)","Where can you save your money?\nMC\n1. Purse or wallet\n2. Piggy bank or cash box at home\n3. My parent/carer looks after it for me\n4. Bank account (or building society or credit union account)\n5. Somewhere else\n6. Don’t know (SC)","N","Adapted from CYP fincap",null,null,"ASK ALL 7-17 YEAR OLDS: \nCYP11 Imagine someone gives you £10. How much would you spend and how much would you save for later?   \nSLIDER SCALE – Save £10 to Spend £10 – use £1 increments\n\nASK ALL 7-17 YEAR OLDS WITH MONEY (CODES 1-7 at CYP2):  \nYP3 When you get money, how often do you save at least some of it, [say by putting it in a piggy bank or cash box or into your bank account]?\nSELECT ONE ONLY\n1. Every time I get money\n2. Most times I get money\n3. Sometimes\n4. Never\n5. Don’t know \n","Where can you save your money?\nMC\n1. Purse or wallet\n2. Piggy bank or cash box at home\n3. My parent/carer looks after it for me\n4. Bank account (or building society or credit union account)\n5. Somewhere else\n6. Don’t know (SC)",null,null,"Behaviours, Connection (partial), Mindset"]
[202,"Ability","Understanding money management","CYP can apply their numeracy skills to financial issues","Children can calculate what interest they would be paid or would owe if they saved or borrowed money","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.\nHow much would be in the account at the end of the first year, once the interest payment is made?   \nENTER AMOUNT\n Don’t know","N","CYP fincap","n.b. may be only suitablefor older children in this age range",null,"ASK ALL 11-17 YEAR OLDS: \nYP25 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.\nHow much would be in the account at the end of the first year, once the interest payment is made?   \nENTER AMOUNT\n Don’t know\n"]
[203,"Ability","Understanding money management","CYP can apply their numeracy skills to financial issues","Children can work out how long they will need to save for to be able to buy something if they are saving a set amount a week","Greg gets £5 a week pocket money. How long would it take Greg to save up his pocket money to buy a book that costs £25?\n","N","Natcen ",null,"Y","Q8: A game I like costs £35. How many £5 notes will I need to buy it? (7-11)\n\n1\n2\n3\n4\n5\n6\n7\n8\n9\n10\nMore than 10"]
[204,"Ability","Understanding the role of money in society","CYP understand the different sources of money","Children understand the different sources that people get their money from in adulthood","How do you think adults get the money they spend? \n\nEarn money by going to work\nFrom the pocket money they saved up\nFrom the Government/from benfits\nFrom going to the shops","N","MAS new",null,null,"Q6: My parents get money for the family to spend. How do you think they get the money? (7-11)\n\nEarn money by going to work\nFrom the bank\nFrom the till at the shop","How do you think adults get the money they spend? \n\nEarn money by going to work\nFrom the pocket money they saved up\nFrom the Government/from benfits\nFrom going to the shops",null,null,"Connection (partial), Mindset (partial)"]
[205,"Ability","Understanding the role of money in society","CYP understand the different sources of money","Children understand that there are a range of jobs and that different jobs pay different amounts (including some that are unpaid)","Please say whether you think this is true or not true.\n\n\nThe amount of money adults get from working is the same for all jobs\n1. True\n2. Not true\n","N","TNS","Question can be administered across a range of modes (e.g. interviewer administered, paper or web self-completion).",null,"none"]
[206,"Ability","Understanding the role of money in society","CYP understand the different sources of money","Children understand that the choices they make around school and work will affect the amount of money they have when they're older","Which of these statements is true?\n                                                                                                   \n1. Children who do well at school will find it easier to get well-paid jobs when they grow up\n2. It doesn't matter how well you do at school, you will find a well-paid job if you look hard","N","TNS/Natcen",null,"Y","C3 Zig will need more money so he can buy the things he will need to live here. What would be the best way for him to make sure he gets the money he needs to live here? (7-11)\nSelect all that apply \n1. Do well at school\n2. Get a job\n3. Borrow from other people\n4. Hope to be given some\n5. Go to a cash machine\n6. Apply for help from the people in charge\n7. Don’t know\n\nASK ALL THAT SELECT MORE THAN ONE ANSWER AT C3:\nC4 And what is the best way? (7-11)\n\n1. Do well at school\n2. Get a job\n3. Borrow from other people\n4. Hope to be given some\n5. Go to a cash machine\n6. Apply for help from the people in charge\n7. Don’t know\n",null,null,null,"Connection (partial), Mindset (partial)"]
[207,"Ability","Understanding the role of money in society","CYP understand that companies exist to make money","Children understand that adverts (e.g. in shops, online and on TV) are designed to make people buy things","What are adverts for?\n\nTo tell you about things you need\nTo make you buy things\nTo entertain you\nTo teach you new songs\nTo give you a break from watching something\n","N","MAS new",null,"Y",null,"New question:\n\nWhat are adverts for?\n\nTo tell you about things you need\nTo make you buy things\nTo entertain you\nTo teach you new songs\nTo give you a break from watching something\n"]
[208,"Ability","Understanding the role of money in society","CYP understand that companies exist to make money","Children understand that companies exist to make money","Which of the following things do you think are most important to companies like shops?\n\nTo sell things\nTo help people\nTo make money/to make  profit\nTo make sure people don't spend too much money\nTo be easy to get to\nTo be open seven days a week","N","TNS","Answer would be recorded as \"correct\" if correctly identify \"to make money\" as one of their chosen options.\n\nQuestions would be suitable across a variety of modes.",null,"none"]
[209,"Ability","Understanding the role of money in society","CYP understand that taxes are collected and what they are used for","Children understand that the Government takes money taken from people's earnings to pay for things we all need (e.g. schools, hospitals and rubbish collection)","Can you pick the description that best fits these words?\n\nInterest\nTax\n\nThe money that is added to savings by banks or building societies\nThe money people pay to government\nThe money you get when you retire from working\nThe amount you have in your bank account\n\nDON'T KNOW\n\n\nTax is money that the Government takes from the money that people earn. What is tax for?\n\nTo pay for things like hospitals and roads\nTo make sure people don't earn too much\nTo pay for lottery prizes\nTo pay for police and schools\nTo pay for supermarkets","N","CYP fincap; MAS new","Draw a line between word and description if on paper or use drag and drop if online","Y","(11-18) YP18 Can you pick the word that best fits this description?\n\nThe amount the price of things in shops goes up by\nThe money that is added to savings by banks or building societies\nThe money people pay to government\nThe money you get when you retire from working\nThe amount you have in your bank account\n\nInterest\nPension\nInflation\nBalance\nTax\nBenefit\nCredit\nDebit\nDON'T KNOW","(11-18) YP18 Can you pick the description that best fits these words?\n\nInterest\nTax\n\nThe money that is added to savings by banks or building societies\nThe money people pay to government\nThe money you get when you retire from working\nThe amount you have in your bank account\n\nDON'T KNOW\n\nNew question:\nTax is money that the Government takes from the money that people earn. What is tax for?\n\nTo pay for things like hospitals and roads\nTo make sure people don't earn too much\nTo pay for lottery prizes\nTo pay for police and schools\nTo pay for supermarkets"]
[210,"Ability","Understanding values and emotions around money","CYP understand their own values and feelings around money",null,null,"N",null,"Indicators removed across all age groups in line with adult f/w, as research needed to determine what this looks like"]
[211,"Ability","Understanding values and emotions around money","CYP understand their own values and feelings around money",null,null,"N"]
[212,"Ability","Basic skills","CYP have good literacy skills","Children perform at age appropriate levels in standardised literacy tests","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)","N",null,null,"Y","HP to pick up on these"]
[213,"Ability","Basic skills","CYP have good numeracy skills","Children perform at age appropriate levels in standardised numeracy tests","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)","N",null,null,"Y","HP to pick up on these"]
[214,"Ability","Basic skills","CYP have good problem solving skills","Children can identify and understand a problem","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)","N"]
[215,"Ability","Basic skills","CYP have good problem solving skills","Children can plan ways to solve a problem","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)","N"]
[216,"Ability","Basic skills","CYP have good problem solving skills","Children can monitor progress in tackling a problem","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)","N"]
[217,"Ability","Basic skills","CYP have good problem solving skills","Children can review solutions to problems and modify them if necessary","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)","N"]

{"sheet":"11-14 yrs","index":17,"n_rows":98,"n_cols":15,"rows_kept":98,"cut":false,"hidden":false,"merged":[[50,12,53,12],[54,12,55,12],[77,3,78,3],[50,5,53,5],[50,7,53,7]]}
["Fincap cyp outcomes framework: age 11 - 14 indicators"]
[]
[]
["No.","Area","Top Tier Outcome","Lower level outcomes","Indicators","Final Measurement tool","Picture Question","Source/ whether tested","Notes","In CYP fincap survey?","CYP survey question","Join Sam question","FKY question","BN recommended Question","Mirroring"]
[218,"Financially capable behaviour",null,"CYP have their own regular source of money","Young people receive a set amount of pocket money or allowance on a regular basis (5-7, 7-11)","Where do you get your money from? \nMULTICODE OK. RANDOMISE CODES 1-6\n1. I do not get any money from my parents or other people – SC\n2. Pocket money or allowance from my parents or carers\n3. From my parents or carers as a reward for doing something\n4. Pocket money from other members of my family \n5. Birthdays, Christmas or special occasions\n6. Other (Please write in)\n\nASK ALL WITH POCKET MONEY (CODES 2 and 4 above): \nDo you receive the same amount of pocket money/allowance each week/month? \n1. Yes, the same\n2. No, it varies\n3. Don’t know","N","CYP fincap",null,"Y","ASK ALL 7-17 year olds: \nCYP2 Where do you get your money from? \nMULTICODE OK. RANDOMISE CODES 1-6\n1. I do not get any money from my parents or other people – SC\n2. Pocket money or allowance from my parents or carers\n3. From my parents or carers as a reward for doing something\n4. Pocket money from other members of my family \n5. Birthdays, Christmas or special occasions\n6. Other (Please write in)\n\nASK ALL 7-17 YEAR OLDS WITH POCKET MONEY (CODES 1 at CYP2): \nCYP3 Do you receive the same amount of pocket money/allowance each week/month? \n1. Yes, the same\n2. No, it varies\n3. Don’t know\n "]
[219,"Financially capable behaviour","Managing your money well day-to-day",null,"Young people keep their money in a safe place and keep information about their current and savings accounts safe (7-11)","A bank account is somewhere people can keep their money rather than keeping it at home. Credit union and building society accounts are like bank accounts, if you have a credit union or building society account you should answer yes to this question. Do you have a bank account of your own?\n\nSC\n1. Yes\n2. No\n3. I don’t know if I have one\n\n\nASK ALL WITH MONEY (CODES 2-6 at first question): \n(IF HAVE BANK ACCOUNT INSERT [“Apart from in your bank account(s)”] Where do you keep your money?\nMC\n1. Purse or wallet\n2. Piggy bank or cash box at home\n3. My parent/carer looks after it for me\n4. Nowhere in particular (SC)\n5. Somewhere else\n6. Don’t know (SC)\n\nIF HAVE BANK ACCOUNT\nB,.Do you have any of the following wth your bank account? Pick all that apply\nPlastic card\nPIN (number)\nBank book\nAbility to access your account online\nNone of these\n\nIF HAVE A BANK BOOK OR CARD\nC.Where do you keep your bank card or bank book? You can pick more than one answer.\nIn my purse/wallet\nMy parents keep it\nIn a safe place at home\nSomewhere else\nI don't have a special place where I keep this/these items\n\nIF HAVE A PIN NUMBER\nD.Do you keep your PIN number written down so you remember it?  You can pick all that apply\nYes, in my purse/wallet\nYes, at home\nYes, stored on a computer, tablet or phone\nNo, I just remember it in my head \nI don't use my PIN number/I have forgotten it\n\nIF HAVE AN ONLINE ACCOUNT\nE. Do you keep your online bank account login details written down so you remember them? You can pick all that apply\nYes, in my purse/wallet\nYes, at home\nYes, stored on a computer, tablet or phone\nNo, I just remember it in my head \nI don't use my online bank account/I have forgotten how to log in\n","??","CYP fincap; TNS",null,null,"ASK ALL 7-17 YEAR OLDS:\nNQ4: A bank account is somewhere people can keep their money rather than keeping it at home. Credit union and building society accounts are like bank accounts, if you have a credit union or building society account you should answer yes to this question. Do you have a bank account of your own?\n\nSC\n1. Yes\n2. No\n3. I don’t know if I have one\n\n\nASK ALL 7-17 YEAR OLDS WITH MONEY (CODES 2-8 at CYP2): \nCYP4 (IF HAVE BANK ACCOUNT INSERT [“Apart from in your bank account(s)”] Where do you keep your money?\nMC\n1. Purse or wallet\n2. Piggy bank or cash box at home\n3. My parent/carer looks after it for me\n4. Nowhere in particular (SC)\n5. Somewhere else\n6. Don’t know (SC)\n\n\nASK ALL 8 to 17 YEAR OLDS WITH A BANK ACCOUNT:\nPP19 Which of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)",null,null,"filter question"]
[220,"Financially capable behaviour","Managing your money well day-to-day",null,"Young people have money saved up (5-7, 7-11)","ASK ALL WITH MONEY (CODES 2-6 at first question): \nDo you know how much money you have in total? (IF HAVE BANK ACCOUNT INSERT [“including in your bank”])\nSC\n1. No \n2. Yes, roughly\n3. Yes exactly\n\n\nASK ALL WITH MONEY (CODES 1-6 at first question):  \nWhen you get money, how often do you save at least some of it, [say by putting it in a piggy bank or cash box or into your bank account]?\nSELECT ONE ONLY\n1. Every time I get money\n2. Most times I get money\n3. Sometimes\n4. Never\n5. Don’t know","N","CYP fincap",null,"Y","ASK ALL 7-17 YEAR OLDS WITH MONEY (CODES 2-8 at CYP2): \nCYP5 Do you know how much money you have in total? (IF HAVE BANK ACCOUNT INSERT [“including in your bank”])\nSC\n1. No \n2. Yes, roughly\n3. Yes exactly\n\n\nASK ALL 7-17 YEAR OLDS WITH MONEY (CODES 1-7 at CYP2):  \nYP3 When you get money, how often do you save at least some of it, [say by putting it in a piggy bank or cash box or into your bank account]?\nSELECT ONE ONLY\n1. Every time I get money\n2. Most times I get money\n3. Sometimes\n4. Never\n5. Don’t know"]
[221,"Financially capable behaviour","Managing your money well day-to-day",null,"Young people know how much money they have (Including savings) and keep track of their spending, including by checking bank statements / online banking","ASK ALL WITH A BANK ACCOUNT:\nWhich of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)\n\nASK ALL WITH MONEY (CODES 2-6 at first question): \nDo you know how much money you have in total? (IF HAVE BANK ACCOUNT, including in your bank)\n1. No \n2. Yes, roughly\n3. Yes exactly\n\nHow do you keep track of the money you get and the money you spend?\nMULTI\n\nOnline budgeting tool\nOnline bank account\nSpreadsheet\nPiece of paper\nIn my head (mentally)\nChecking my bank balance at a cash machine\nReviewing my bank statements\nOn a mobile app\nI don't keep track\nDon't know","N","CYP fincap",null,null,"\nASK ALL 8 to 17 YEAR OLDS WITH A BANK ACCOUNT:\nPP19 Which of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)\n\nASK ALL 7-17 YEAR OLDS WITH MONEY (CODES 1-7 at CYP2): \nCYP5 Do you know how much money you have in total? (IF HAVE BANK ACCOUNT, including in your bank)\n1. No \n2. Yes, roughly\n3. Yes exactly\n\nYP8a: How do you keep track of the money you get and the money you spend?\nMULTI\n\nOnline budgeting tool\nOnline bank account\nSpreadsheet\nPiece of paper\nIn my head (mentally)\nChecking my bank balance at a cash machine\nReviewing my bank statements\nOn a mobile app\nI don't keep track\nDon't know"]
[222,"Financially capable behaviour","Managing your money well day-to-day",null,"Young people set themselves a budget that's appropriate and realistic for their circumstances and stick to it","\nDo you ever make a plan on how you will spend and save your money? For example by setting yourself a budget.\nCHOOSE ONE ONLY\n1. Yes\n2. No\n\n{If yes}\nAnd, how often do you keep to your plan or budget?\nCHOOSE ONE ONLY\nNever\nRarely\nSometimes\nOften\nDon't know","N","Natcen (CitA)",null,null,"NQ5: How often do you plan how you are going to pay for things you need?\n\nSINGLE\n\nNever\nRarely\nSometimes\nOften\nAlways\nDon't know"]
[223,"Financially capable behaviour","Managing your money well day-to-day",null,"Young people make choices about how to spend their money that are based on their needs and on value for money","When you want to buy something for yourself, how often... \n\nNever\nRarely\nSometimes\nOften\nDon't know\n\n...  do you think about whether your friends would approve of the item?\n...  do think about how much money you will have left to spend on other things?\n...  do think about how attractive or cool the item is?\n...  do think about how long the item will last?\n...  do think about whether the item is good value for money?\n... do you think about whether you should save your money for another day?","N","Natcen","Add to other questions with same opening statement if present in your questionnaire","Y","ASK ALL 7-17 YEAR OLDS WITH MONEY:\nCYP8a When you have money, who usually decides whether you save any of it? \nMy parents or carers decide\nI decide\nWe both decide\nDon’t know\n\nCYP8b: When you have money, who usually decided what you spend it on?\nSINGLE\n\nMy parents or carers decide\nI decide\nWe both decide\nDon't know\n\n\nASK ALL 7-17 YEAR OLDS WITH MONEY (CODES 1-7 at CYP2):  \nYP3 When you get money,  how often do you save at least some of it, [say by putting it in a piggy bank or cash box or into your bank account]?\nSELECT ONE ONLY\n1. Every time I get money\n2. Most times I get money\n3. Sometimes\n4. Never\n5. Don’t know \n\nYP3b: [You said that you save some money every time/most times/some of the time you get money.] How often do you spend that money on things you want? (7-17)\nSC\n\nEvery time I get money\nMost times I get money\nSometimes\nNever\nDon't know\n\nYP99: When you want to buy something for yourself, how often…\n\n…do you look in different places or stores to compare prices?\n\n…do you think about whether your friends would approve of the item?\n\n…do you think about whether the item is good value for money?\n\nNever\nRarely\nSometimes\nOften\nDon' know","(Join Sam questions) 6. A new toy or game you really want has just been released. It costs £35 and you don't have enough money to buy it. Do you: (Please choose one answer)\n\nNag your parents to buy it for you?\nDo some extra chores to earn the money needed to buy it?\nSave your pocket money until you can afford it?\nDecide not to buy it?\nFind another way of getting £35?"]
[224,"Financially capable behaviour","Managing your money well day-to-day",null,"Young people shop around to get the best deal (7-11)","When you want to buy something for yourself, how often... do  you look in different places or stores to compare prices?\nNever\nRarely\nSometimes\nOften\nDon't know","N","Natcen","Add to other questions with same opening statement if present in your questionnaire",null,"YP99: When you want to buy something for yourself, how often…\n\n…do you look in different places or stores to compare prices?\n\n…do you think about whether your friends would approve of the item?\n\n…do you think about whether the item is good value for money?\n\nNever\nRarely\nSometimes\nOften\nDon' know"]
[225,"Financially capable behaviour","Managing your money well day-to-day",null,"Young people save up for things they want to buy and can save over a longer time period (at least 6 months)","What is the longest time you have saved up for? (for example to buy something you wanted)\nSC\n1. I haven’t saved up money before\n2. Less than a week\n3. More than a week but less than month\n4. More than a month but less than a year\n5. More than a year\n6. Don’t know","N","CYP fincap",null,"Y","ASK ALL AGED 7-17 \nCYP6.  What is the longest time you have saved up for? (for example to buy something you wanted)\nSC\n1. I haven’t saved up money before\n2. Less than a week\n3. More than a week but less than month\n4. More than a month but less than a year\n5. More than a year\n6. Don’t know\n\n"]
[226,"Financially capable behaviour","Managing your money well day-to-day",null,"Young people talk about money with friends and family openly (5-7, 7-11)","Do you talk about your money with any of the following people?\n\nMULTI\n\nI never talk about money (SC)\nFriends\nParents or carers\nTeachers\nMy brothers and sisters\nGrandparents or other family members\nDon't know (SC)","N","CYP fincap",null,"Y","CYP17:  Do you talk about your money with any of the following people?\n\nMULTI\n\nI never talk about money (SC)\nFriends\nParents or carers\nTeachers\nMy brothers and sisters\nGrandparents or other family members\nDon't know (SC)"]
[227,"Connection","Access to and use of financial products and advice","CYP have access to their own financial products from a young age","Young people have access to their own current account (at a bank, building society, credit union, etc.)","A bank account is somewhere people can keep their money rather than keeping it at home. Credit union and building society accounts are like bank accounts, if you have a credit union or building society account you should answer yes to this question. Do you have a bank account of your own?\n\nSC\n1. Yes\n2. No\n3. I don’t know if I have one\n\nASK ALL WITH A BANK/BS ACCOUNT (CODE 1 at question above): \nDo you know what type of bank account you have? Is it a….\nSINGLE CODE\n1. Current account\n2. Savings account\n3. I have both a current and a savings account\n4. I don’t know what type of bank account I have","N","CYP fincap",null,"Y","NQ4: A bank account is somewhere people can keep their money rather than keeping it at home. Credit union and building society accounts are like bank accounts, if you have a credit union or building society account you should answer yes to this question. Do you have a bank account of your own?\n\nSC\n1. Yes\n2. No\n3. I don’t know if I have one\n\nASK ALL 8-17 YEAR OLDS WITH A BANK/BS ACCOUNT (CODE 1 at NQ4): \nYP2 Do you know what type of bank account you have? Is it a….\nSINGLE CODE\n1. Current account\n2. Savings account\n3. I have both a current and a savings account\n4. I don’t know what type of bank account I have"]
[228,"Connection","Access to and use of financial products and advice","CYP have access to their own financial products from a young age","Young people have access to and use a debit card linked to their current account","ASK ALL WITH A BANK ACCOUNT:\nWhich of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)","N","CYP fincap",null,"Y","ASK ALL 8 to 17 YEAR OLDS WITH A BANK ACCOUNT:\nPP19 Which of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)"]
[229,"Connection","Access to and use of financial products and advice","CYP have access to their own financial products from a young age","Young people have access to their own savings account (at a bank, building society, credit union, etc.)","A bank account is somewhere people can keep their money rather than keeping it at home. Credit union and building society accounts are like bank accounts, if you have a credit union or building society account you should answer yes to this question. Do you have a bank account of your own?\n\nSC\n1. Yes\n2. No\n3. I don’t know if I have one\n\nASK ALL WITH A BANK/BS ACCOUNT: \nYP2 Do you know what type of bank account you have? Is it a….\nSINGLE CODE\n1. Current account\n2. Savings account\n3. I have both a current and a savings account\n4. I don’t know what type of bank account I have","N","CYP fincap",null,"Y","NQ4: A bank account is somewhere people can keep their money rather than keeping it at home. Credit union and building society accounts are like bank accounts, if you have a credit union or building society account you should answer yes to this question. Do you have a bank account of your own?\n\nSC\n1. Yes\n2. No\n3. I don’t know if I have one\n\nASK ALL 8-17 YEAR OLDS WITH A BANK/BS ACCOUNT (CODE 1 at NQ4): \nYP2 Do you know what type of bank account you have? Is it a….\nSINGLE CODE\n1. Current account\n2. Savings account\n3. I have both a current and a savings account\n4. I don’t know what type of bank account I have"]
[230,"Connection","Access to and use of financial products and advice","CYP have access to their own financial products from a young age","Young people have experience of managing their bank accounts online where this is available","ASK ALL WITH A BANK ACCOUNT:\nWhich of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)","N","CYP fincap",null,null,"ASK ALL 8 to 17 YEAR OLDS WITH A BANK ACCOUNT:\nPP19 Which of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)"]
[231,"Connection","Access to and use of financial products and advice","CYP are given experience of choosing their own financial products","Young people are involved in the process of choosing and setting up their own current or savings accounts (7-11)","How involved are you in the following decisions about your money? \n(Fully involved / Partly involved / Not at all involved)\n\nChoosing my bank or savings account","N","CYP fincap (old)",null,"Y","old question no longer in survey\n\n\nASK ALL 7-17 YEAR OLDS WITH MONEY: COG?\nCYP8 How involved are you in the following decisions about your money? \n(Fully involved / Partly involved / Not at all involved)\nA. Deciding whether to spend or save my money\nB. Deciding how to spend my money\nC. Choosing my bank or savings account"]
[232,"Connection","Access to and use of financial products and advice","CYP are given experience of choosing their own financial products","Young people are involved in the process of choosing and setting up their own mobile phone provider and package (if they own a mobile phone)","Do you get to have a choice in?\n \nThe cost of your mobile phone call and data package \n\n1. Yes\n2. No\n3. Don't know\n4. I don’t have a mobile phone","N","CYP fincap","Add to other questions with same opening statement if present in your questionnaire","Y","ASK ALL 7– 17 YEAR OLDS: \nCYP1.  Do you get to have a choice in?\n \n1. Family days out or holidays \n2. What to buy in the family food shop\n3. The cost of your mobile phone call and data package \n\n1. Yes\n2. No\n3. Don't know\n4. I don’t have a mobile phone [ROW 3 ONLY]"]
[233,"Connection","Access to and use of financial products and advice","CYP recieve advice and guidance about money as well as wider life goals","Young people receive money advice and guidance from their family, teachers and other appropriate sources around money (3-5, 5-7, 7-11)","How often do your parents or carers teach you about  money and spending?\nNever\nRarely\nSometimes\nOften\nDon't know\n\nHow often do your teachers teach you about  money and spending?\nNever\nRarely\nSometimes\nOften\nDon't know","N","Natcen",null,"Y","(11-18, ?7-11) YP19. If you needed advice about money, who would you ask?\n\nPlease select all that apply.\n\nMULTICODE ALLOWED\n\nMy parents\nMy friends\nMy teachers\nOther family members (write in)\nInternet site (write in)\nA bank, building society or other financial organisation\nTV programmes (write in)\nOther (write in)\nI do not ask for advice about money\n\n\nCYP18: Have you learnt about how to manage your money in school or college?\n(SINGLE)\n\nYes\nNo\nNot sure or don't remember\n\nCYP18a: Which subjects did you learn how to manage your money in?\nMULTI\n\nMaths\nPSHE\nCitizenship\nBusiness & Finance\nEnterprise\nOther (please specify)\nDon't know",null,null,"Prioritise natcen question from 7-11"]
[234,"Connection","Access to and use of financial products and advice","CYP recieve advice and guidance about money as well as wider life goals","Young people receive money advice and guidance from their family, teachers and other appropriate sources around money (3-5, 5-7, 7-11)","If you needed advice about money, who would you ask?\n\nPlease select all that apply.\n\nMULTICODE ALLOWED\n\nMy parents\nMy friends\nMy teachers\nOther family members (write in)\nInternet site (write in)\nA bank, building society or other financial organisation\nTV programmes (write in)\nOther (write in)\nI do not ask for advice about money\n\n\nHave you learnt about how to manage your money in school or college?\n(SINGLE)\n\nYes\nNo\nNot sure or don't remember\n\nWhich subjects did you learn how to manage your money in?\nMULTI\n\nMaths\nPSHE\nCitizenship\nBusiness & Finance\nEnterprise\nOther (please specify)\nDon't know","N","CYP fincap"]
[235,"Connection","Access to and use of financial products and advice","CYP recieve advice and guidance about money as well as wider life goals","Young people receive advice and guidance from their family, teachers and other appropriate sources on their education and career options","How confident are you that you know who to turn to for advice about education and careers?\n1. Very confident\n2. Fairly confident\n3. Not very confident\n4. Not at all confident\n\n\nWhich of the following people have given you advice about your education and career options. Select all that apply:\n1. Parents\n2. Siblings\n3. Other family members\n4. Friends\n5. A careers adviser or careers teacher at school\n6. Other teachers at school\n7. A Connexions personal adviser\n8. Someone else at Connexions\n9. Someone else (Please specify______)","N","Natcen (LSYPE)"]
[236,"Connection","Exposure to family finances","CYP witness financial transactions and processes","Young people regularly see adults checking the balance on their current and savings accounts, and checking transactions (5-7, 7-11) ","How often do your parents do the following in things when you are with them?\n                                        \n- Check their bank balance                           \n- Use their online banking                  \n- Check their debit or credit card statements\n- Check they were given the correct change\n\nNever\nRarely\nSometimes\nOften\nDon't know","N","Natcen"]
[237,"Connection","Exposure to family finances","CYP are involved in discussions and decisions about household spending","Young people are involved when everyday household spending decisions are being taken (e.g. about the weekly shop) and trade-offs are being made (5-7, 7-11)","Do you get to have a choice in?\n \n1. Family days out or holidays \n2. What to buy in the family food shop\n\n1. Yes\n2. No\n3. Don't know\n\n\n","N","CYP fincap","Add to other questions with same opening statement if present in your questionnaire","Y","ASK ALL 7– 17 YEAR OLDS: \nCYP1.  Do you get to have a choice in?\n \n1. Family days out or holidays \n2. What to buy in the family food shop\n3. The cost of your mobile phone call and data package \n\n1. Yes\n2. No\n3. Don't know\n4. I don’t have a mobile phone [ROW 3 ONLY]\n\n\nASK ALL 7-17 YEAR OLDS: \nCYP9 Here are some things that people your age have said about money. How strongly do you agree or disagree with them\nROTATE STATEMENTS\nSelect one for each row\nMy parents or carers discuss with me what we can and can’t afford to buy (11-17 only)\nI don't like it when my parents or carers say I cannot have things I see in shops\nI don’t like it when friends have things I don’t have\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know \n"]
[238,"Connection","Exposure to family finances","CYP are involved in discussions and decisions about household spending","Young people are involved when everyday household spending decisions are being taken (e.g. about the weekly shop) and trade-offs are being made (5-7, 7-11)","Here are some things that people your age have said about money. How strongly do you agree or disagree with them\nROTATE STATEMENTS\nSelect one for each row\nMy parents or carers discuss with me what we can and can’t afford to buy (11-17 only)\nI don't like it when my parents or carers say I cannot have things I see in shops\nI don’t like it when friends have things I don’t have\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know \n","N","CYP fincap"]
[239,"Connection","Experience of managing your own money (and the risks that come with it)","CYP have their own regular source of money","Young people receive a set amount of pocket money or allowance on a regular basis (5-7, 7-11)","Where do you get your money from? \nMULTICODE OK. RANDOMISE CODES 1-6\n1. I do not get any money from my parents or other people – SC\n2. Pocket money or allowance from my parents or carers\n3. From my parents or carers as a reward for doing something\n4. Pocket money from other members of my family \n5. Birthdays, Christmas or special occasions\n6. Other (Please write in)\n\nASK ALL 7-17 YEAR OLDS WITH POCKET MONEY (CODES 1 at CYP2): \nCYP3 Do you receive the same amount of pocket money/allowance each week/month? \n1. Yes, the same\n2. No, it varies\n3. Don’t know\n\n\n","N","CYP fincap",null,"Y","ASK ALL 7-17 year olds: \nCYP2 Where do you get your money from? \nMULTICODE OK. RANDOMISE CODES 1-6\n1. I do not get any money from my parents or other people – SC\n2. Pocket money or allowance from my parents or carers\n3. From my parents or carers as a reward for doing something\n4. Pocket money from other members of my family \n5. Birthdays, Christmas or special occasions\n6. Other (Please write in)\n\nASK ALL 7-17 YEAR OLDS WITH POCKET MONEY (CODES 1 at CYP2): \nCYP3 Do you receive the same amount of pocket money/allowance each week/month? \n1. Yes, the same\n2. No, it varies\n3. Don’t know\n\n\n"]
[240,"Connection","Experience of managing your own money (and the risks that come with it)","CYP have responsibility for managing their own money","Young people look after their money themselves","IF HAVE BANK ACCOUNT:\nA: Can you take money out of your bank account without your parents' permission? Y/N\n\nB: Do your parents control the amount of money you take out of your bank account? Y/N\n\nIF DO NOT HAVE BANK ACCOUNT\nC: Can you spend your own money without your parents' permission? Y/N\n\nD: Do your parents control the amount of money you spend? Y/N","N","TNS",null,"Y","old question no longer in survey\n\n\nASK ALL 7-17 YEAR OLDS WITH MONEY: COG?\nCYP8 How involved are you in the following decisions about your money? \n(Fully involved / Partly involved / Not at all involved)\nA. Deciding whether to spend or save my money\nB. Deciding how to spend my money\nC. Choosing my bank or savings account\n"]
[241,"Connection","Experience of managing your own money (and the risks that come with it)","CYP have responsibility for managing their own money","Young people make their own decisions about how to spend or save their money","When you have money, who usually decides whether you save any of it? \nSC\n\nMy parents or carers decide \nI decide\nWe both decide\nDon’t know\n\nWhen you have money, who usually decides what you spend it on?\nSC\n \nMy parents or carers decide\nI decide\nWe both decide\nDon’t know","N","CYP fincap",null,"Y","ASK ALL 7-17 YEAR OLDS WITH MONEY:\nCYP8a When you have money, who usually decides whether you save any of it? \nSC\n\nMy parents or carers decide \nI decide\nWe both decide\nDon’t know\n\nCYP8b When you have money, who usually decides what you spend it on?\nSC\n \nMy parents or carers decide\nI decide\nWe both decide\nDon’t know"]
[242,"Connection","Experience of managing your own money (and the risks that come with it)","CYP have responsibility for managing their own money","Young people are given responsibility for paying for some of the things they need out of their pocket money or allowance, e.g. mobile phone, travel or toiletries","Null","N","CYP fincap",null,"Y","(11-18) YP7: Do you have to pay for any of the following things out of your pocket money or allowance?\n\n\nNon-school clothes & shoes\n\nToiletries & cosmetics\n\nSnacks or sweets\n\nPresents for other people\n\nToys or games or gadgets\n\nGoing out with your friends\n\nNo - my parents pay for this for me\nYes - I sometimes pay for this from my own money\nYes - I mainly pay for this from my own money"]
[243,"Connection","Experience of managing your own money (and the risks that come with it)","CYP have experience of paying for goods and activities","Young people pay for things online (where able to) with their own money (such as apps, games or music) without supervision","Have you ever bought something online by yourself?\n\nYes\nNo\nDon't know\n\nWhich of the following methods have you used to pay for things online?\n\nCash\nDebit card\nCredit card\nVoucher for an online shop\nOnline account (e.g. Paypal)\nOther (specify)\nI don't know how I paid for things online\nI don't pay for things online","N","MAS new",null,"Y","(11-18) YP10. Which of the following methods do you use to pay for things?\n\nCash\nDebit card\nPre paid card\nOnline account\nOther (specify)",null,null,"New questions:\n\nHave you ever bought something online by yourself?\n\nYes\nNo\nDon't know\n\n(11-18) YP10. Which of the following methods have you used to pay for things online?\n\nCash\nDebit card\nCredit card\nVoucher for an online shop\nOnline account (e.g. Paypal)\nOther (specify)\nI don't know how I paid for things online\nI don't pay for things online"]
[244,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP believe it's important to manage your money well and think carefully about how you spend it","Young people believe it is important to keep track of their money (7-11)","How important is it to check how much money you have?\n\nVery important\nQuite important\nNot very important\nNot at all important","N","Natcen",null,null,"NQ99b: To what extent do you agree or disagree with the following\n\nIt is important to learn how to manage your money (11+)\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know"]
[245,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP believe it's important to manage your money well and think carefully about how you spend it","Young people believe it is important to think carefully about what they spend their money on (7-11)","Imagine you were given £5 to spend on a school trip. Would you plan how to spend the money and then stick to that plan? For example, would you work out how much you want to spend on different things like sweets or presents.\n1. Yes, I would make a plan and stick to it\n2. Yes, I would make a plan but would be unlikely to stick to it\n3. No, I wouldn’t make a plan\n4. Don’t know","N","CYP fincap",null,null,"NCYP10:  Imagine you were given £5 to spend on a school trip. Would you plan how to spend the money and then stick to that plan? For example, would you work out how much you want to spend on different things like sweets or presents.\n1. Yes, I would make a plan and stick to it\n2. Yes, I would make a plan but would be unlikely to stick to it\n3. No, I wouldn’t make a plan\n4. Don’t know"]
[246,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP believe it's important to manage your money well and think carefully about how you spend it","Young people think it's important to shop around for things that they need  and look for the best deals in order to make their money go further (7-11)","\nImagine you need to buy a present. What do you do?\n\nGo to the nearest shop and buy the thing you want\nLook around a few different shops to see where it is cheapest\nLook online to find the cheapest price\nSomething else\nDon't know","N","MAS new",null,null,null,null,null,"new question\n\nImagine you need to buy a present. What do you do?\n\nGo to the nearest shop and buy the thing you want\nLook around a few different shops to see where it is cheapest\nLook online to find the cheapest price\nSomething else\nDon't know\n"]
[247,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP think it's good to plan for the future and save up for things","Young people think that saving money for larger purchases is an important thing to do","Imagine you want to buy something expensive. How would you get the money?\n\nI would save some money every week or month for it\n\nI would borrow money from my friends or family\n\nMy parents or guardian would pay for it\n\nSomeone else in my family would pay for it\n\nI would just not buy it\n\nOther\n\nDon't know","N","MAS new",null,null,null,null,null,"modified survey q\n\nImagine you want to buy something expensive. How would you get the money?\n\nI would save some money every week or month for it\n\nI would borrow money from my friends or family\n\nMy parents or guardian would pay for it\n\nSomeone else in my family would pay for it\n\nI would just not buy it\n\nOther\n\nDon't know"]
[248,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP think it's good to plan for the future and save up for things","Young people think it's important for them to save for the future","How important do you think it is for you to save-up your money for the future in general?\n1. Very important\n2. Quite important\n3. Not that important \n4. Not important at all \n\nOR\n\n1. Very important\n2. Fairly important\n3. Neither important not unimportant\n4. Fairly unimportant\n5. Very unimportant","N","Natcen",null,null,"ASK ALL 7-17 YEAR OLDS: \nCYP11 Imagine someone gives you £10. How much would you spend and how much would you save for later?   \nSLIDER SCALE – Save £10 to Spend £10 – use £1 increments\n",null,null,"prioritise natcen question"]
[249,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP think it's good to plan for the future and save up for things","Young people think it's important for them to save for the future","Imagine someone gives you £10. How much would you spend and how much would you save for later?   \n(if online) SLIDER SCALE – Save £10 to Spend £10 – use £1 increments\n(if on paper) Spend all of it; Spend more than half; Spend about half; Spend less than half; Save all of it","N","CYP fincap (Join Sam)"]
[250,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP have a cautious attitude to borrowing and debt","Young people believe they should not borrow money from friends or family if they cannot pay it back (7-11)","Below are some things people your age have said about borrowing money. Which one best describes how you feel about borrowing money?\n\nSINGLE\n\nI'd rather not borrow money\nBorrowing money is OK, but only if I can pay it back\nBorrowing money does not bother me at all, even if I can't afford to pay it back\nI don't know","N","CYP fincap",null,null,"YP11: Below are some things people your age have said about borrowing money. Which one best describes how you feel about borrowing money? (12+)\n\nSINGLE\n\nI'd rather not borrow money\nBorrowing money is OK, but only if I can pay it back\nBorrowing money does not bother me at all, even if I can't afford to pay it back\nI don't know"]
[251,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP accept that they cannot have everything they want and that everyone has to make trade-offs with their money","Young people don't get angry or upset when they can't have something they want but don't need (5-7, 7-11)","Here are some things that people your age have said about money. How strongly do you agree or disagree with them\nROTATE STATEMENTS\nSelect one for each row\nMy parents discuss with me what we can and can’t afford to buy (11-17 only)\nI don't like it when my parents or carers say I cannot have things I see in shops\nI don’t like it when friends have things I don’t have\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know\n","N","CYP fincap",null,null,"ASK ALL 7-17 YEAR OLDS: \nCYP9 Here are some things that people your age have said about money. How strongly do you agree or disagree with them\nROTATE STATEMENTS\nSelect one for each row\nMy parents discuss with me what we can and can’t afford to buy (11-17 only)\nI don't like it when my parents or carers say I cannot have things I see in shops\nI don’t like it when friends have things I don’t have\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know\n"]
[252,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP accept that they cannot have everything they want and that everyone has to make trade-offs with their money","Young people don't continue to ask for things after they've been told they can't have them, or that they will have to wait for them","Imagine you want something that is expensive.  You ask your parents to buy it for you but they say \"No\".  Here are some things other young people have said they would do.  Which would you most likely do? \n\nKeep asking and hope that they will eventually say yes\nWait until a special occasion (e.g. birthday or Christmas)\nWait until I have enough money to buy it myself\nNothing, accept that I can't have it","N","TNS"]
[253,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP feel confident and in control of their financial situation","Young people feel confident to manage their own money (7-11)","How confident do you feel 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","CYP fincap",null,"Y","CYP10:  How confident do you feel 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'"]
[254,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP feel confident and in control of their financial situation","Young people believe that they can influence and improve their own financial situation through the choices they make","To what extent do you agree or disagree with the following\n\nNothing I do will make much difference to my money situation (11+)\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know","N","CYP fincap",null,"Y","NQ99b: To what extent do you agree or disagree with the following\n\nNothing I do will make much difference to my money situation (11+)\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know"]
[255,"Mindset","Money and values","CYP do not value themelves or others by their material possessions","When making friends, material possessions are not the most important factor for young people (7-11)","Which of the following things would you look for in a new friend?:\n1. Whether they are clever\n2. Whether they are cool or attractive\n3. Whether they own cool things\n4. Whether they are funny\n5. Whether they have the same hobbies as you\n6. Whether they are rich\n7. None of the above\n ","N","Natcen"]
[256,"Mindset","Money and values","CYP do not value themelves or others by their material possessions","Young people do not think that their possessions are the most important thing about them (7-11)","How important are each of the following to you (use importance scale listed above):\n1. Being popular at school\n2. Doing well in your school work\n3. Being viewed as cool or attractive\n4. Owning cool things\n5. Getting on well with your friends\n6. Getting on well with you family\n7. Being good at managing your money","N","Natcen",null,null,"ASK ALL 7-17 YEAR OLDS: \nCYP9 Here are some things that people your age have said about money. How strongly do you agree or disagree with them (5 point scale)\nROTATE STATEMENTS\nSelect one for each row\nMy parents discuss with me what we can and can’t afford to buy (11-17 only)\nI don't like it when my parents or carers say I cannot have things I see in shops\nI don’t like it when friends have things I don’t have\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know\n\nYP99: When you want to buy something for yourself, how often…\n\n…do you look in different places or stores to compare prices?\n\n…do you think about whether your friends would approve of the item?\n\n…do you think about whether the item is good value for money?\n\nNever\nRarely\nSometimes\nOften\nDon' know\n"]
[257,"Mindset","Money and values","CYP have a positive/healthy emotional relationship with money",null,"outcome added from adult fw, but as per adult fw further research is needed to understand what this is and what a suitable indicator & question would be","N"]
[258,"Mindset","Money and values","CYP feel comfortable talking openly about money with friends and family","Young people feel comfortable talking openly about money with friends and family (5-7, 7-11)","Do you talk about your money with any of the following people?\n\nMULTI\n\nI never talk about money (SC)\nFriends\nParents or carers\nTeachers\nMy brothers and sisters\nGrandparents or other family members\nDon't know (SC)","N","CYP fincap",null,null,"CYP17:  Do you talk about your money with any of the following people?\n\nMULTI\n\nI never talk about money (SC)\nFriends\nParents or carers\nTeachers\nMy brothers and sisters\nGrandparents or other family members\nDon't know (SC)",null,null,"may need to add something on being comfortable"]
[259,"Mindset","Aspirations and goals","CYP aspire to be good at managing their money","Young people want to be good at managing their money (5-7, 7-11)","How important are each of the following to you (use importance scale listed above):\n1. Being popular at school\n2. Doing well in your school work\n3. Being viewed as cool or attractive\n4. Owning cool things\n5. Getting on well with your friends\n6. Getting on well with you family\n7. Being good at managing your money","N","Natcen",null,null,null,null,null,"look  at 7-11 natcen question"]
[260,"Mindset","Aspirations and goals","CYP have educational and career goals","Young people have goals around the education and qualifications they want to achieve ","Which, if any, of the following goals would you like to achieve in the next 5 years?\n\nMULTICODE\n\nNothing, I have no goals for the next 5 years (SC)\nGet into university\nGo travelling\nGet a secure job when I leave education\nMove out of parents' home\nGet my own car\nNot rely on my parents for money\nGo on holiday with my friends\nStay in education past the age of 16 (11-15)\nGet good grades in my homework\nMake it into a sports team or music group or drama production\nStay in education (11-14)\nI have other goals I would like to achieve","N","CYP fincap",null,null,"(11-18) YP8. Which, if any, of the following goals would you like to achieve in the next 5 years?\n\nMULTICODE\n\nNothing, I have no goals for the next 5 years (SC)\nGet into university\nGo travelling\nGet a secure job when I leave education\nMove out of parents' home\nGet my own car\nNot rely on my parents for money\nGo on holiday with my friends\nStay in education past the age of 16 (11-15)\nGet good grades in my homework\nMake it into a sports team or music group or drama production\nStay in education (11-14)\nI have other goals I would like to achieve"]
[261,"Mindset","Aspirations and goals","CYP have educational and career goals","Young people are starting to have goals around the job they want to do when they're older","Do you have any idea what job you would like to have when you are older? \n1. Yes- I know exactly what I want to be\n2. I have some ideas but I am not 100% decided\n3. No- I don't know what job I would like\n\n{If 1 or 2 above} How likely are you to get the type of job you would like in the future?\n1. Very likely\n2. Somewhat likely\n3. Not very likely\n4. Not at all likely","N","Natcen",null,null,null,null,null,"look at 7-11 cyp survey question"]
[262,"Mindset","Aspirations and goals","CYP have financial goals","Young people aspire to earn their own money rather than rely on others for money","Do you agree or disagree with the following statements?\n                                                       Agree                    Disagree\n\n1. It's important to earn your own money\n2. I would like to be able to pay my own way as soon as I'm old enough\n3. It's fine to not earn money because others will make sure you have enough to get by\n4. I'm looking forward to having a job and my own money\n5. It's a good idea to get a part-time job when you are old enough to earn money rather than relying on your parents","N","TNS",null,null,"NQ99b: To what extent do you agree or disagree with the following\n\nHaving a job is the best way to be an independent person (14+)\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know"]
[263,"Mindset","Aspirations and goals","CYP have financial goals","Young people have a plan for saving up a certain amount of money so that they can pay for something that they want themselves (they have a savings goal) (5-7, 7-11)","Do you save money, for example at home in a money box or in a savings account? Please choose one answer.\na) Yes I save regularly\nb) Yes, but only occasionally\nc) No\n\n\nASK IF ANSWERED a or b for question above:\nPeople save for different reasons. Which of these statements best describes why you save? Please choose one answer.\na) I’m saving because my parents or guardians say it’s a good idea\nb) I’m saving up for a specific thing I want to buy\nc) I’m saving because I want to but not towards anything in particular\nd) I’m only saving because my parents or guardians make me","N","Join Sam",null,"Y","ASK ALL AGED 7-17 \nCYP6.  What is the longest time you have saved up for? (for example to buy something you wanted)\nSC\n1. I haven’t saved up money before\n2. Less than a week\n3. More than a week but less than month\n4. More than a month but less than a year\n5. More than a year\n6. Don’t know\n\n","(Join Sam questions) 1. Do you save money, for example at home in a money box or in a savings account? Please choose one answer.\na) Yes I save regularly\nb) Yes, but only occasionally\nc) No\n\n\nASK IF ANSWERED a, b or c for Q1\n1a.  People save for different reasons. Which of these statements best describes why you save? Please choose one answer.\na) I’m saving because my parents or guardians say it’s a good idea\nb) I’m saving up for a specific thing I want to buy\nc) I’m saving because I want to but not towards anything in particular\nd) I’m only saving because my parents or guardians make me\n",null,"check age range for join sam"]
[264,"Mindset","General mindset","CYP have self-esteem","Young people have a sense of their own value or worth","Do you think that your parents usually like to hear about your ideas? (Yes/No/Don't know)\n\nWhen you have to say things in front of teachers, do you usually feel shy? (Yes/No/Don't know)\n\nAre there lots of things about yourself you would like to change? (Yes/No/Don't know)\n\nI have high self-esteem (7 point scale from Not very true of me to Very true of me)","N","LAWSEQ; Rosenberg",null,"Y",null,null,"LAWSEQ Q1. Do you think that your parents usually like to hear about your ideas? (Yes/No/Don't know)\n\nLAWSEQ Q6. When you have to say things in front of teachers, do you usually feel shy? (Yes/No/Don't know)\n\nLAWSEQ Q10. Are there lots of things about yourself you would like to change? (Yes/No/Don't know)\n\nRosenberg Single Item scale. I have high self-esteem (7 point scale from Not very true of me to Very true of me)"]
[265,"Mindset","General mindset","CYP have self-esteem","Young people have a sense of their own value or worth",null,"N",null,null,"Y"]
[266,"Mindset","General mindset","CYP have self-esteem","Young people have a sense of their own value or worth",null,"N"]
[267,"Mindset","General mindset","CYP have self-esteem","Young people have a sense of their own value or worth",null,"N"]
[268,"Mindset","General mindset","CYP display self-control/self-regulation","Children show appropriate behaviour","I often fight with other people\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n\nI get angry quickly\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n\nI sometimes take things belonging to other people\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n\nI am generally willing to do what is asked of me (e.g. by teachers or parents)\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n\nOther people say I tell lies\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all","N","adapted from BCS10 (Rutter)",null,null,"none",null,"Parent-report items\n\nPlease say how true or untrue the following statements are of your child:\n{Child} Frequently fights with others \n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Is irritable or quick to get angry\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Sometimes takes/steals things from others\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Is often disobedient\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Often tells lies\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\nSelf-report:\nI often fight with other people\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n\nI get angry quickly\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n\nI sometimes take things belonging to other people\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n\nI am generally willing to do what is asked of me (e.g. by teachers or parents)\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n\nOther people say I tell lies\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n\n\n2. Setbacks don’t discourage me. \nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all \n\n7. I finish whatever I begin. \nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all \n\nI persist (carry on) with work whether it is difficult or not. \nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all"]
[269,"Mindset","General mindset","CYP display self-control/self-regulation","Children show appropriate behaviour","Parent-report items\n\nPlease say how true or untrue the following statements are of your child:\n{Child} Frequently fights with others \n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Is irritable or quick to get angry\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Sometimes takes/steals things from others\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Is often disobedient\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Often tells lies\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n","N","BCS10 (Rutter)",null,"Y","none"]
[270,"Mindset","General mindset","CYP display self-control/self-regulation","Children show perseverance","Setbacks don’t discourage me. \nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all \n\nI finish whatever I begin. \nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all \n\nI persist (carry on) with work whether it is difficult or not. \nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n","N","Duckworth Grit Scale; BCS 1970"]
[271,"Mindset","General mindset","CYP have self-efficacy","Young people believe they can improve their abilities through personal effort","Do you usually feel that it's almost useless to try in school because most students are cleverer than you? (Yes/No/Don't know)\n\nWhen someone is very angry with you is it impossible to make him your friend again? (Yes/No/Don't know)\n\nWhen bad things happen to you it is usually someone else's fault? (Yes/No/Don't know)\n\nWhen nice things happen to you is it only good luck? (Yes/No/Don't know)","N","CARALOC",null,"Y","none",null,"CARALOC 5. Do you usually feel that it's almost useless to try in school because most students are cleverer than you? (Yes/No/Don't know)\nCARALOC 12. When someone is very angry with you is it impossible to make him your friend again? (Yes/No/Don't know)\nCARALOC 13. When bad things happen to you it is usually someone else's fault? (Yes/No/Don't know)\nCARALOC 14. When nice things happen to you is it only good luck? (Yes/No/Don't know)"]
[272,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people know what bank accounts are, how they work and the benefits of having them","Do you know what a bank account is? (7-11)\n1. Yes\n2. No\n\n\nA bank account is somewhere people can keep their money rather than keeping it at home. Credit union and building society accounts are like bank accounts, if you have a credit union or building society account you should answer yes to this question. Do you have a bank account of your own?\n\nSC\n1. Yes\n2. No\n3. I don’t know if I have one\n\nASK ALL WITH A BANK ACCOUNT:\nWhich of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)","N","CYP fincap",null,null,"ASK ALL 7-11 YEAR OLDS\nNQ3: Do you know what a bank account is? (7-11)\n1. Yes\n2. No\n\n\nNQ4: A bank account is somewhere people can keep their money rather than keeping it at home. Credit union and building society accounts are like bank accounts, if you have a credit union or building society account you should answer yes to this question. Do you have a bank account of your own?\n\nSC\n1. Yes\n2. No\n3. I don’t know if I have one\n\nASK ALL 8 to 17 YEAR OLDS WITH A BANK ACCOUNT:\nPP19 Which of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)\n\nASK ALL 8-17 YEAR OLDS WITH A BANK/BS ACCOUNT (CODE 1 at NQ4): \nYP2 Do you know what type of bank account you have? Is it a….\nSINGLE CODE\n1. Current account\n2. Savings account\n3. I have both a current and a savings account\n4. I don’t know what type of bank account I have",null,null,"see new 7-11 question"]
[273,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language",null,"ASK ALL WITH A BANK/BS ACCOUNT: \nDo you know what type of bank account you have? Is it a….\nSINGLE CODE\n1. Current account\n2. Savings account\n3. I have both a current and a savings account\n4. I don’t know what type of bank account I have","N","CYP fincap"]
[274,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people are aware of the different types of savings products available (eg. savings accounts, junior ISAs, child trust funds, etc.)","Before today, which of the following financial products had you heard of?\nCurrent account\nSavings account\nISAs\nChild trust funds or Junior ISAs\n\n\nWhich of the following do you have in your own name?\nCurrent account\nSavings account\nISAs\nChild trust funds or Junior ISAs","N","Natcen",null,null,"ASK ALL 8-17 YEAR OLDS WITH A BANK/BS ACCOUNT (CODE 1 at NQ4): \nYP2 Do you know what type of bank account you have? Is it a….\nSINGLE CODE\n1. Current account\n2. Savings account\n3. I have both a current and a savings account\n4. I don’t know what type of bank account I have\n\nNQ3: Do you have a Child Trust Fund or a Junior ISA?\n\nMULTI\n\nI have a Child Trust Fund\nI have a Junior ISA\nI don't know if I have one of these (SC)\nI don't know what these are (SC)\n\nYP19: Look at this list and choose which ones make your money grow, and which ones give you money now that has to be paid back later? (14+)\n\nMortgage\nJunior ISA\nSavings account\nPayday loan\nGovernment Bond\nCredit card\nInvestment\n\nMakes your money grow\nHas to be paid back later\nDon't know"]
[275,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people understand how to set up a current or savings account (7-11)","Which of these statements is true?\n                                                                                                   \n1. You are automatically gi ven a bank account when you are born\n2. You or your parents have to choose and set up your own bank account\n\nTo set up a bank account which of these things do you think you would need?\n1. Name and address\n2. Date of birth\n3. Birth certificate\n4. Passport\n5. Note from your school\n6. Parents' personal details\n7. A computer/laptop/tablet\n8. A credit card\n9. Some money","N","TNS",null,"Y","for those who weren't involved in setting up or don't have - what do you need to set up a current account?"]
[276,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people understand that borrowing money and not being able to pay it back can have negative consequences","Do you agree or disagree with the following statements?                      \n  \n1. Borrowing money is OK as long as you pay bits back regularly\n2. I could get into trouble if I borrowed lots of money\n3. If you borrow money and do not pay it back nothing will happen\n4. Borrowing money and not paying it back means people might not trust you in the future\n\nAgree\nDisagree\n\n","N","TNS",null,"Y","same as indicator earlier on consequences - only use one of them"]
[277,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people understand what interest is, and how it can be added to money that people save or borrow (7-11)","Can you pick the word that best fits the description?\n\nThe amount the price of things in shops goes up by\n\nThe money that is added to savings by banks or building soceties\n\nThe money people pay to  government\n\nThe amount you get when you retire from working\n\nThe amount of money you have in your bank account\n\nInterest\nPension\nInflation\nBalance\nTax\nBenefit\nCredit\nDebit\nDon't know","N","CYP fincap","Draw a line between word and description if on paper or use drag and drop if online",null,"YP18:  Can you pick the word that best fits the description?\n\nThe amount the price of things in shops goes up by\n\nThe money that is added to savings by banks or building soceties\n\nThe money people pay to  government\n\nThe amount you get when you retire from working\n\nThe amount of money you have in your bank account\n\nInterest\nPension\nInflation\nBalance\nTax\nBenefit\nCredit\nDebit\nDon't know"]
[278,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people understand that money can grow at different rates in different places","Which of the following statements is true and which is false:\n\nIt doesn't matter what kind of savings account you have, the interest rate is the same at all banks\nThere are some accounts which will give you a higher interest rate\nIf you negotiate with the bank, you can get a higher interest rate on your savings\nAll the savings accounts within the same bank offer the same interest rate","N","Natcen",null,"Y","YP19: Look at this list and choose which ones make your money grow, and which ones give you money now that has to be paid back later?\n\nMortgage\nJunior ISA\nSavings account\nPayday loan\nGovernment Bond\nCredit card\nInvestment\n\nMakes your money grow\nHas to be paid back later\nDon't know",null,null,"natcen question amended from 14-18"]
[279,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people understand that you can pay for things in different ways (eg. cash, direct debit from a bank account, debit card etc) and the reasons for chosing one method over another (7-11)","Have you seen your parents pay for things with…?\nMULTI\n\nMoney (notes or coins)\nDebit card\nOnline account (like Paypal)\nMobile phone\nCredit card\nNone of these (SC)\nDon't know (SC)\n\nIs this true or false?\n\nA debit card takes money directly from your bank account, a credit card lets you borrow money and pay it back later\n\nDirect debits can take money from your bank account each month for regular bills\n\nTrue\nFalse","N","CYP fincap",null,"Y","YP6: Have you seen your parents pay for things with…? (7-11)\nMULTI\n\nMoney (notes or coins)\nDebit card\nOnline account (like Paypal)\nMobile phone\nCredit card\nNone of these (SC)\nDon't know (SC)\n\nYP21: Is this true or false? (14+)\n\nA debit card takes money directly from your bank account, a credit card lets you borrow money and pay it back later\n\nDirect debits can take money from your bank account each month for regular bills\n\nTrue\nFalse",null,null,"check on 2nd survey uestion"]
[280,"Ability","Understanding financial products and concepts","CYP understand how to choose financial products that meet their needs","Young people understand the things they need to think about when choosing between different current or savings accounts (e.g. interest rates, how quickly and easily they can access the money, different account features etc.)","Which of these features should you think about when choosing a bank account?\nTick all that apply\n\n1. Having a bank card\n2. Picture on bank card\n3. How easy it is to get to the bank\n4. Whether my friends use the same bank\n5. Whether my parents use the same bank\n6. Whether you can bank online or through an app\n7. Interest rate on the money in the bank account\n8. Whether you can take money out straightaway or you have to wait\n9. How much money you can take out per day\n10. Special offers (e.g. free tickets/toy/piggy bank)\n11. Other (please write in)\n","N","TNS",null,"Y","List of options with some false ones"]
[281,"Ability","Understanding money management","CYP understand the value of money","Young people can make spending decisions appropriate to their age based on their needs and priorities","When you have money, who usually decides what you spend it on?\nSINGLE\n\nMy parents or carers decide\nI decide\nWe both decide\nDon't know\n\nASK ALL WITH MONEY (CODES 2-6 at first question):  \nWhen you get money,  how often do you save at least some of it, [say by putting it in a piggy bank or cash box or into your bank account]?\nSELECT ONE ONLY\n1. Every time I get money\n2. Most times I get money\n3. Sometimes\n4. Never\n5. Don’t know","N","CYP fincap",null,null,"\nASK ALL 7-17 YEAR OLDS WITH MONEY (CODES 1-7 at CYP2):  \nYP3 When you get money,  how often do you save at least some of it, [say by putting it in a piggy bank or cash box or into your bank account]?\nSELECT ONE ONLY\n1. Every time I get money\n2. Most times I get money\n3. Sometimes\n4. Never\n5. Don’t know \n\nYP3b: [You said that you save some money every time/most times/some of the time you get money.] How often do you spend that oney on things you want? (7-17)\nSC\n\nEvery time I get money\nMost times I get money\nSometimes\nNever\nDon't know",null,null,"CYP8b: When you have money, who usually decides what you spend it on?\nSINGLE\n\nMy parents or carers decide\nI decide\nWe both decide\nDon't know\n\nASK ALL 7-17 YEAR OLDS WITH MONEY (CODES 1-7 at CYP2):  \nYP3 When you get money,  how often do you save at least some of it, [say by putting it in a piggy bank or cash box or into your bank account]?\nSELECT ONE ONLY\n1. Every time I get money\n2. Most times I get money\n3. Sometimes\n4. Never\n5. Don’t know \n\nASK ALL 11-17 YEAR OLDS:\nYP99. When you want to buy something for yourself, how often do you...\n1. Often \n2. Sometimes\n3. Rarely\n4. Never\n5. Don’t know\n... look in different places or stores to compare prices?\n …  think about whether your friends would approve of the item?\n ...  think about whether the item is good value for money?"]
[282,"Ability","Understanding money management","CYP understand the value of money","Young people can make spending decisions appropriate to their age based on their needs and priorities","When you want to buy something for yourself, how often do you...\nNever\nRarely\nSometimes\nOften\nDon't know\n... look in different places or stores to compare prices?\n …  think about whether your friends would approve of the item?\n ...  think about whether the item is good value for money?","N","CYP fincap"]
[283,"Ability","Understanding money management","CYP understand the value of money","Young people understand the difference between 'price' and 'value' and that some things are better value than others","You are thinking of buying some new trainers.  Which of these comes closest to your view?\n\n1. It's best to buy a well-known, expensive, brand\n2. It is worth considering a less expensive brand if it offers the same quality\n3. It is best to choose the cheapest ones you can get even if they won't last quite as long","N","TNS",null,"Y","YP99: When you want to buy something for yourself, how often…\n\n…do you look in different places or stores to compare prices?\n\n…do you think about whether your friends would approve of the item?\n\n…do you think about whether the item is good value for money?\n\nNever\nRarely\nSometimes\nOften\nDon' know"]
[284,"Ability","Understanding money management","CYP understand the value of money","Young people understand that services like electricity, phones and the internet cost money (7-11)","Which of the following cost your parents money?  (please select all that apply)\n1. Going to the park             Yes   No   Don’t know\n2. Electricity  in your home  Yes   No   Don’t know\n3. Going to an NHS doctor  Yes   No   Don’t know\n4. Going to a library              Yes   No   Don’t know\n5. Making phone calls          Yes   No   Don’t know\n6. Water that comes out of taps in your home   Yes   No   Don’t know\n","N","Natcen",null,"Y","YP28: Which of the following things do most adults pay for, and which do most adults get for free? (14+)\n\nRent or mortgage\n\nElectricity or gas at home\n\nWater at home\n\nVisits to a GP or hospital\n\nCouncil tax\n\nInternet at home\n\nBorrowing a library book"]
[285,"Ability","Understanding money management","CYP understand the value of money","Young people understand how to shop around for things that they need to get the best value for money, and why this is important (7-11)","Why is it a good idea to shop around when picking where to buy something?\n\n1. You can find the same thing for different prices in different shops (1 point)\n2. It is fun to shop around (0 point)\n3. Some shops sell better quality items compared to others(1 point)\n4. Shopping around can save you money (1 point)\n5. Don’t know (0 points)\n\n\n\nHow can you make sure you get a good deal when buying something?\n1. Buy the first thing you see\n2. Compare prices in different shops or online (1 point)\n3. Buy second hand (1 point)\n4. Buy non-branded goods (1 point)\n5. Only buy the things you really need (1 point)\n6. Wait for things you want to go on sale (1 point)\n7. Get someone else to buy it for you\n8. Don't know (0 points)","N","Natcen",null,null,null,null,null,"use closed questions only"]
[286,"Ability","Understanding money management","CYP know how to keep track of their money, and set and stick to a budget","Young people know how to set a budget and accurately track their spending against it","Do you know how much money you have in total? (IF HAVE BANK ACCOUNT INSERT [“including in your bank”])\nSC\n1. No \n2. Yes, roughly\n3. Yes exactly\n\n\nHow do you keep track of the money you get and the money you spend?\nMULTI\n\nOnline budgeting tool\nOnline bank account\nSpreadsheet\nPiece of paper\nIn my head (mentally)\nChecking my bank balance at a cash machine\nReviewing my bank statements\nOn a mobile app\nI don't keep track\nDon't know","N","CYP fincap",null,null,"ASK ALL 8 to 17 YEAR OLDS WITH A BANK ACCOUNT:\nPP19 Which of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)\n\nASK ALL 7-17 YEAR OLDS WITH MONEY (CODES 2-8 at CYP2): \nCYP5 Do you know how much money you have in total? (IF HAVE BANK ACCOUNT INSERT [“including in your bank”])\nSC\n1. No \n2. Yes, roughly\n3. Yes exactly\n\n\nYP8a: How do you keep track of the money you get and the money you spend?\nMULTI\n\nOnline budgeting tool\nOnline bank account\nSpreadsheet\nPiece of paper\nIn my head (mentally)\nChecking my bank balance at a cash machine\nReviewing my bank statements\nOn a mobile app\nI don't keep track\nDon't know"]
[287,"Ability","Understanding money management","CYP know how to keep track of their money, and set and stick to a budget",null,"Some people set a plan for how they will spend their money and others do not. Which of these comes closest to how you feel about money planning?\n\n1. It's best to record the money you have and everything you spend to make sure you don't run out of money\n2. It is a good idea to keep an eye on your spending but it's not worth worrying about a pound here and there\n3. It's too much effort to keep track of spending; if you run out of money you'll just have to wait until you get more","N","TNS"]
[288,"Ability","Understanding money management","CYP know how to keep track of their money, and set and stick to a budget","Young people know how to use budgeting tools to help them budget","How do you keep track of the money you get and the money you spend?\nMULTI\n\nOnline budgeting tool\nOnline bank account\nSpreadsheet\nPiece of paper\nIn my head (mentally)\nChecking my bank balance at a cash machine\nReviewing my bank statements\nOn a mobile app\nI don't keep track\nDon't know","N","CYP fincap",null,null,"YP8a: How do you keep track of the money you get and the money you spend?\nMULTI\n\nOnline budgeting tool\nOnline bank account\nSpreadsheet\nPiece of paper\nIn my head (mentally)\nChecking my bank balance at a cash machine\nReviewing my bank statements\nOn a mobile app\nI don't keep track\nDon't know"]
[289,"Ability","Understanding money management","CYP know how to keep track of their money, and set and stick to a budget","Young people know how to check a bank balance and read a bank statement (7-11)","BSQ: Looking at this example of a bank statement, how much money was in the account at the end of February?\n\nDon't know","Y-BSQ","CYP fincap",null,"Y","P22: Looking at this example of a bank statement, how much money was in the account at the end of February? (12+)\n\nDon't know"]
[290,"Ability","Understanding money management","CYP know how to keep track of their money, and set and stick to a budget","Young people know they need to keep information about their current and savings accounts safe (7-11)","If have a bank account:\n\nDoes your bank account come with a card you can use to get cash from a cash point?\nYes \nNo\nDon't know\n\n{If yes} Who looks after your bank card?\n1. You\n2. Someone else (e.g. your parents or other)\n\n{if you} Which of the following should you do to keep your bank card PIN safe? Please select all the answers you think are correct\n1. Write down your PIN and keep it in your wallet in case you forget it\n2. Tell your best friend your PIN in case you forget it\n3. Keep your PIN secret from everyone\n4. Hide the keypad when you are entering your PIN at a cash point or shop\n5. Change your PIN if you think someone may have seen it\n\n Please say true or false to each statement (True/False/ Don’t know)\n1. It is important to keep your bank details, PIN and passwords secret.\n2. Your bank may email you sometimes to ask for your PIN. \n3. Criminals often pretend to be banks or other organisations to scam people\n4. Official people, like banks and police officers,  never ask for bank details (like your PIN) by phone or email\n5. Criminals can copy bank cards by using machines that look like ATMs or card payment machines\n6. It is always safe to use a cash machine, even if it looks damaged or unusual","N","Natcen",null,null,"ASK ALL 8 to 17 YEAR OLDS WITH A BANK ACCOUNT:\nPP19 Which of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)"]
[291,"Ability","Understanding money management","CYP know how to save up for things they want and why it is good to save","Young people know how to make deposits into a bank account (7-11)","ASK ALL WITH A BANK ACCOUNT:\nWhich of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)\n\nASK ALL WITH MONEY (CODES 2-6 at first question):  \nWhen you get money,  how often do you save at least some of it, [say by putting it in a piggy bank or cash box or into your bank account]?\nSELECT ONE ONLY\n1. Every time I get money\n2. Most times I get money\n3. Sometimes\n4. Never\n5. Don’t know ","N","CYP fincap",null,"Y","ASK ALL 8 to 17 YEAR OLDS WITH A BANK ACCOUNT:\nPP19 Which of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)\n\nASK ALL 7-17 YEAR OLDS WITH MONEY (CODES 1-7 at CYP2):  \nYP3 When you get money,  how often do you save at least some of it, [say by putting it in a piggy bank or cash box or into your bank account]?\nSELECT ONE ONLY\n1. Every time I get money\n2. Most times I get money\n3. Sometimes\n4. Never\n5. Don’t know "]
[292,"Ability","Understanding money management",null,"Young people understand why saving money for something you want to buy is important (5-7, 7-11)","Why is it good to save up for something you want to buy?\n1. Saving up for things yourself will help you learn money management for when you are older (2 points)\n2.  Other people may not have money to spare/ they may get irritated if you ask them for money (1 point)\n3. Saving up for something will mean you are less likely to make 'impulse buys'/ makes you more likely to buy thing you really want or need (1 point)\n4. You can spend the money you have saved on something else if youwant to\n4. To stop you getting into debt  (2 point)","N","Natcen",null,null,null,null,null,"check ages for join sam questions"]
[293,"Ability","Understanding money management","CYP are aware of scams and fraud and know how to protect themselves from it","Young people understand about the different types of scams and identity theft, and know how to protect themselves from it","Please say true or false to each statement (True/False/ Don’t know)\n1. It is important to keep your bank details, PIN and passwords secret.\n2. Your bank may email you sometimes to ask for your PIN. \n3. Criminals often pretend to be banks or other organisations to scam people\n4. Official people, like banks and police officers,  never ask for bank details (like your PIN) by phone or email\n5. Criminals can copy bank cards by using machines that look like ATMs or card payment machines\n6. It is always safe to use a cash machine, even if it looks damaged or unusual\n\n\n\nTo what extent do you agree or disagree with each of these statements?\n\n- I never open attachments from unknown email senders \n- I always lock my phone/ tablet/ laptop when I am not using it\n- I pick passwords  that will be difficult to break (long ones with both numbers and letters)\n– I never tell other people what my passwords are\n- I have anti-virus software  on my computer\n- I am careful about what information I publish about myself online and on social media\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know ","N","Natcen"]
[294,"Ability","Understanding money management","CYP can apply their numeracy skills to financial issues","Young people can calculate what interest they would be paid or would owe if their saved or borrowed money (7-11)","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.How much would be in the account at the end of the first year, once the interest payment is made? (11+)\n\nDon't know","N","CYP fincap",null,"Y","YP25: 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.How much would be in the account at the end of the first year, once the interest payment is made? (11+)\n\nDon't know"]
[295,"Ability","Understanding money management","CYP can apply their numeracy skills to financial issues","Young people can work out how long they will need to save for to be able to buy something if they are saving a set amount a week (7-11)","Greg gets £6.00 a week pocket money. How many weeks would it take Greg to save up his pocket money to buy something that costs £26?\n","N","Natcen",null,null,null,null,null,"look at natcen question for 7-11amended natcen 7-11 question"]
[296,"Ability","Understanding money management","CYP know where to get good advice and information on money management","Young people know how and where to seek advice about their money when they need to","If you needed advice about money, who would you ask?\n\nMULTI\n\nI do not ask for advice about money (SC)\nMy parents or carers\nMy friends\nMy teachers\nOther family members\nOther adults\nOnline (for example - Youtube, Money Saving Expert)\nA bank, building society or other financial organisation\nTV programmes\nDon't know (SC)","N","CYP fincap",null,null,"YP16: If you needed advice about money, who would you ask?\n\nMULTI\n\nI do not ask for advice about money (SC)\nMy parents or carers\nMy friends\nMy teachers\nOther family members\nOther adults\nOnline (for example - Youtube, Money Saving Expert)\nA bank, building society or other financial organisation\nTV programmes\nDon't know (SC)\n\nYP16a: And who would be the most useful?\n\nSINGLE\n\nMy parents or carers\nMy friends\nMy teachers\nOther family members\nOther adults\nOnline (for example - Youtube, Money Saving Expert)\nA bank, building society or other financial organisation\nTV programmes\nDon't know\nNone of them would give useful advice",null,null,"n.b. amended indicator to remove 'when'"]
[297,"Ability","Understanding money management","CYP know where to get good advice and information on money management","Young people know how and where to seek advice about their money when they need to","And who would be the most useful?\n\nSINGLE\n\nMy parents or carers\nMy friends\nMy teachers\nOther family members\nOther adults\nOnline (for example - Youtube, Money Saving Expert)\nA bank, building society or other financial organisation\nTV programmes\nDon't know\nNone of them would give useful advice","N","CYP fincap"]
[298,"Ability","Understanding the role of money in society","CYP understand the different sources of money","Young people understand that being financially independent and having their own source of income is an important part of being an adult","How important is it to you ... \n\n… to get a job when you are a grown-up?  \n… to not need  your parents' money when you are grown up (to be independant)? \n\n1. Very important\n2. Fairly important \n3. Not really important\n4. Not at all important ","N","Natcen"]
[299,"Ability","Understanding the role of money in society","CYP understand the different sources of money","Young people understand that the choices they make around education and work will affect the amount of money they have in adulthood (7-11)","Which of these statements is true?\n                                                                                                   \n1. Young people who do well at school will find it easier to get well-paid jobs when they grow up\n2. It doesn't matter how well you do at school, you will find a well-paid job if you look hard\n\n","N","TNS/Natcen"]
[300,"Ability","Understanding the role of money in society","CYP understand the different sources of money","Young people understand that different education & training options (eg. going to university or doing an apprenticeship) have different financial implications in both the short and longer term","Which of these statements is true?\n                                                                                                   \n1. Young people who do well at school will find it easier to get well-paid jobs when they grow up\n2. It doesn't matter how well you do at school, you will find a well-paid job if you look hard\n\n","N","TNS/Natcen",null,"Y",null,null,null,"may need new question to encompass short term situation and long term situation\ne.g. True/Flase questions\n\nIf you get a job when you are 18, you are likely to have more money than if you go to university at 18\nIf you go to university, you may be able to get a job afterwards that pays more than if you didn't go to university\nYou may be paid less while doing an apprenticeship than while doing a job "]
[301,"Ability","Understanding the role of money in society","CYP understand that companies exist to make money","Young people understand the different ways that companies try to influence their spending, including through advertising, marketing, product placement and celebrity endorsements","Now a little quiz:\nCompanies use lots of different ways to get people to spend money on their goods and services. Can you match some of these ways to their names? \n\n1. Advertising\n2. Marketing\n3. Product placement\n4. Celebrity endorsements\n\n\n- Placing images and examples of a product where lots of people can see it (e.g. on TV, in magazines or on social media)\n- The process of transferring goods and services from the seller to the buyer\n- Promoting goods and services through films, television or social media (e.g. someone using a certain type of smart phone in a film)\n- Paying someone famous to put their name and face to goods and services and help to sell them\n\n(if online) Drag & drop\n(if on paper) Draw a line between description and name","N","TNS (Barclays Money Skills)",null,"Y"]
[302,"Ability","Understanding the role of money in society","CYP understand how taxes are collected and what they are used for","Young people understand that the Government takes money taken from people's earnings to pay for things we all need (eg. schools, hospitals and rubbish collection)","Can you pick the description that best fits these words?\n\nInterest\nTax\n\nThe money that is added to savings by banks or building societies\nThe money people pay to government\nThe money you get when you retire from working\nThe amount you have in your bank account\n\nDON'T KNOW\n\n\nTax is money that the Government takes from the money that people earn. What is tax for?\n\nTo pay for things like hospitals and roads\nTo make sure people don't earn too much\nTo pay for lottery prizes\nTo pay for police and schools\nTo pay for supermarkets","N","CYP fincap; MAS new","Draw a line between word and description if on paper or use drag and drop if online","Y","YP18:  Can you pick the word that best fits the description?\n\nThe amount the price of things in shops goes up by\n\nThe money that is added to savings by banks or building soceties\n\nThe money people pay to  government\n\nThe amount you get when you retire from working\n\nThe amount of money you have in your bank account\n\nInterest\nPension\nInflation\nBalance\nTax\nBenefit\nCredit\nDebit\nDon't know",null,null,"(11-18) YP18 Can you pick the description that best fits these words?\n\nInterest\nTax\n\nThe money that is added to savings by banks or building societies\nThe money people pay to government\nThe money you get when you retire from working\nThe amount you have in your bank account\n\nDON'T KNOW\n\nNew question:\nTax is money that the Government takes from the money that people earn. What is tax for?\n\nTo pay for things like hospitals and roads\nTo make sure people don't earn too much\nTo pay for lottery prizes\nTo pay for police and schools\nTo pay for supermarkets"]
[303,"Ability","Understanding values and emotions around money","CYP understand their own values and feelings around money",null,null,"N","Indicators removed across all age groups in line with adult f/w, as research needed to determine what this looks like"]
[304,"Ability","Understanding values and emotions around money","CYP understand their own values and feelings around money",null,null,"N","Indicators removed across all age groups in line with adult f/w, as research needed to determine what this looks like"]
[305,"Ability","Basic skills","CYP have good literacy skills","Young people perform at age appropriate levels in standardised literacy tests","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)","N"]
[306,"Ability","Basic skills","CYP have good numeracy skills","Young people perform at age appropriate levels in standardised numeracy tests","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)","N"]
[307,"Ability","Basic skills","CYP have good problem solving skills","Young people can identify and understand a problem","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)","N"]
[308,"Ability","Basic skills","CYP have good problem solving skills","Young people can plan ways to solve a problem","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)","N"]
[309,"Ability","Basic skills","CYP have good problem solving skills","Young people can monitor progress in tackling a problem","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)","N"]
[310,"Ability","Basic skills","CYP have good problem solving skills","Young people can review solutions to problems and modify them if necessary","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)","N"]
[311,"Ability","Other","Wellbeing",null,"To what extent do you agree with the following\n\nThinking about money makes me anxious\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know","N","CYP fincap",null,null,"NQ99b: To what extent do you agree with the following\n\nThinking about money makes me anxious\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know"]

{"sheet":"14-16 yrs","index":18,"n_rows":109,"n_cols":15,"rows_kept":109,"cut":false,"hidden":false,"merged":[[55,13,58,13],[59,13,60,13],[55,8,58,8]]}
["Fincap cyp outcomes framework: age 14 - 16 indicators"]
[]
[]
["No.","Area","Top Tier Outcome","Lower level outcomes","Indicators","Final Measurement tool","Picture Question","Source/ whether tested","Notes","In CYP fincap survey?","CYP survey question","Join Sam question","FKY question","BN recommended Question","Mirroring"]
[312,"Financially capable behaviour",null,"CYP have their own regular source of money","Young people receive a regular income (eg. an allowance from their family or from a job)","Where do you get your money from? \nMULTI\n1. I do not get any money from my parents or other people – SC\n2. Pocket money or allowance from my parents or carers\n3. From my parents or carers as a reward for doing something\n4. Pocket money from other members of my family \n5. Birthdays, Christmas or special occasions\n6. From work or a part-time job such as delivering papers\n7. Through selling things online or somewhere else\n8. Other (Please write in)\n\nASK ALL WITH POCKET MONEY (CODES 2 and 4 at first question: \nDo you receive the same amount of pocket money/allowance each week/month? \n1. Yes, the same\n2. No, it varies\n3. Don’t know\n","N","CYP fincap","This question needs to be asked first in all questionnaires as a filter for a number of other questions","Y","ASK ALL 7-17 year olds: \nCYP2 Where do you get your money from? \nMULTI\n1. I do not get any money from my parents or other people – SC\n2. Pocket money or allowance from my parents or carers\n3. From my parents or carers as a reward for doing something\n4. Pocket money from other members of my family \n5. Birthdays, Christmas or special occasions\n6. From work or a part-time job such as delivering papers\n7. Through selling things online or somewhere else\n8. Other (Please write in)\n\nASK ALL 7-17 YEAR OLDS WITH POCKET MONEY (CODES 2-8 at CYP2): \nCYP3 Do you receive the same amount of pocket money/allowance each week/month? \n1. Yes, the same\n2. No, it varies\n3. Don’t know\n",null,"1) From which, if any, of the following sources do you get money? MULTICODE: From my parents/guardians as pocket money/allowance / From my parents/guardians in return for doing jobs / From other members of my family / From work or a part-time job / From a bank, savings account or trust in my name / Through selling items or digital content online / Benefits payments / Other specify / I do not get money from my parents or other sources.  2) If code 1: You said before that you receive pocket money allowance from your parents/guardians, is this money given to you on a regular basis or is there no set timing? I receive a fixed amount on a weekly / monthly basis /  I receive it regularly but less frequently than once a month / I don't receive it regularly, there is no set timing / DK",null,"Connection - 26"]
[313,"Financially capable behaviour","Managing your money well day-to-day",null,"Young people keep their money in a safe place and keep information about their current and savings accounts safe (7-11)","A bank account is somewhere people can keep their money rather than keeping it at home. Credit union and building society accounts are like bank accounts, if you have a credit union or building society account you should answer yes to this question. Do you have a bank account of your own?\n\nSC\n1. Yes\n2. No\n3. I don’t know if I have one\n\n\nASK ALL WITH MONEY (CODES 2-6 at first question): \n(IF HAVE BANK ACCOUNT INSERT [“Apart from in your bank account(s)”] Where do you keep your money?\nMC\n1. Purse or wallet\n2. Piggy bank or cash box at home\n3. My parent/carer looks after it for me\n4. Nowhere in particular (SC)\n5. Somewhere else\n6. Don’t know (SC)\n\nIF HAVE BANK ACCOUNT\nDo you have any of the following wth your bank account? Pick all that apply\nPlastic card\nPIN (number)\nBank book\nAbility to access your account online\nNone of these\n\nIF HAVE A BANK BOOK OR CARD\nWhere do you keep your bank card or bank book? You can pick more than one answer.\nIn my purse/wallet\nMy parents keep it\nIn a safe place at home\nSomewhere else\nI don't have a special place where I keep this/these items\n\nIF HAVE A PIN NUMBER\nDo you keep your PIN number written down so you remember it?  You can pick all that apply\nYes, in my purse/wallet\nYes, at home\nYes, stored on a computer, tablet or phone\nNo, I just remember it in my head \nI don't use my PIN number/I have forgotten it\n\nIF HAVE AN ONLINE ACCOUNT\nDo you keep your online bank account login details written down so you remember them? You can pick all that apply\nYes, in my purse/wallet\nYes, at home\nYes, stored on a computer, tablet or phone\nNo, I just remember it in my head \nI don't use my online bank account/I have forgotten how to log in","N","CYP fincap; TNS","filter question",null,"ASK ALL 7-17 YEAR OLDS:\nNQ4: A bank account is somewhere people can keep their money rather than keeping it at home. Credit union and building society accounts are like bank accounts, if you have a credit union or building society account you should answer yes to this question. Do you have a bank account of your own?\n\nSC\n1. Yes\n2. No\n3. I don’t know if I have one\n\n\nASK ALL 7-17 YEAR OLDS WITH MONEY (CODES 2-8 at CYP2): \nCYP4 (IF HAVE BANK ACCOUNT INSERT [“Apart from in your bank account(s)”] Where do you keep your money?\nMC\n1. Purse or wallet\n2. Piggy bank or cash box at home\n3. My parent/carer looks after it for me\n4. Nowhere in particular (SC)\n5. Somewhere else\n6. Don’t know (SC)\n\n\nASK ALL 8 to 17 YEAR OLDS WITH A BANK ACCOUNT:\nPP19 Which of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)",null,null,null,"Ability - 81"]
[314,"Financially capable behaviour","Managing your money well day-to-day",null,"Young people know how much money they have and keep track of their spending, including by checking bank statements / online banking (11-14)","ASK ALL WITH A BANK ACCOUNT:\nWhich of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)\n\nASK ALL WITH MONEY (CODES 2-6 at first question): \nDo you know how much money you have in total? (IF HAVE BANK ACCOUNT, including in your bank)\n1. No \n2. Yes, roughly\n3. Yes exactly\n\nHow do you keep track of the money you get and the money you spend?\nMULTI\n\nOnline budgeting tool\nOnline bank account\nSpreadsheet\nPiece of paper\nIn my head (mentally)\nChecking my bank balance at a cash machine\nReviewing my bank statements\nOn a mobile app\nI don't keep track\nDon't know","N","CYP fincap",null,"Y","\nASK ALL 8 to 17 YEAR OLDS WITH A BANK ACCOUNT:\nPP19 Which of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)\n\nASK ALL 7-17 YEAR OLDS WITH MONEY (CODES 1-7 at CYP2): \nCYP5 Do you know how much money you have in total? (IF HAVE BANK ACCOUNT, including in your bank)\n1. No \n2. Yes, roughly\n3. Yes exactly\n\nYP8a: How do you keep track of the money you get and the money you spend?\nMULTI\n\nOnline budgeting tool\nOnline bank account\nSpreadsheet\nPiece of paper\nIn my head (mentally)\nChecking my bank balance at a cash machine\nReviewing my bank statements\nOn a mobile app\nI don't keep track\nDon't know",null,"Part 1) Do you keep track of income and spending? Yes / No / DK   (Part 2) How do you keep track of income and spending? MULTICODE: Online budgeting tool / Spreadsheet / In my head (mentally) / On paper / Checking my bank balance / Reviewing my bank statements / DK",null,"Ability - 80"]
[315,"Financially capable behaviour","Managing your money well day-to-day",null,"Young people have money saved up (5-7, 7-11, 11-14)","ASK ALL WITH MONEY (CODES 2-6 at first question): \nDo you know how much money you have in total? (IF HAVE BANK ACCOUNT INSERT [“including in your bank”])\nSC\n1. No \n2. Yes, roughly\n3. Yes exactly\n\n\nASK ALL WITH MONEY (CODES 2-6 at first question):  \nWhen you get money, how often do you save at least some of it, [say by putting it in a cash box or into your bank account]?\nSELECT ONE ONLY\n1. Every time I get money\n2. Most times I get money\n3. Sometimes\n4. Never\n5. Don’t know","N","CYP fincap",null,"Y","ASK ALL 7-17 YEAR OLDS WITH MONEY (CODES 2-8 at CYP2): \nCYP5 Do you know how much money you have in total? (IF HAVE BANK ACCOUNT INSERT [“including in your bank”])\nSC\n1. No \n2. Yes, roughly\n3. Yes exactly\n\n\nASK ALL 7-17 YEAR OLDS WITH MONEY (CODES 1-7 at CYP2):  \nYP3 When you get money, how often do you save at least some of it, [say by putting it in a piggy bank or cash box or into your bank account]?\nSELECT ONE ONLY\n1. Every time I get money\n2. Most times I get money\n3. Sometimes\n4. Never\n5. Don’t know",null,null,null,"Connection - 18. \nAttitudes - 37 \nAbility - 83\nBehaviours - Should saving regularly be an indicator for this and all CYP? "]
[316,"Financially capable behaviour","Managing your money well day-to-day",null,"Young people set themselves a budget that's appropriate and realistic for their circumstances and stick to it (11-14)","Do you ever make a plan on how you will spend and save your money? For example by setting yourself a budget.\nCHOOSE ONE ONLY\n1. Yes\n2. No\n\n{If yes}\nAnd, how often do you keep to your plan or budget?\nCHOOSE ONE ONLY\nNever\nRarely\nSometimes\nOften\nDon't know","N","Natcen (CitA)",null,"Y","NQ5: How often do you plan how you are going to pay for things you need?\n\nSINGLE\n\nNever\nRarely\nSometimes\nOften\nAlways\nDon't know",null,null,null,"Ability - 78 & 79"]
[317,"Financially capable behaviour","Managing your money well day-to-day",null,"Young people make more complex choices about how to spend their money that are based on their needs and on value for money (11-14)","When you want to buy something for yourself, how often... \nNever\nRarely\nSometimes\nOften\nDon't know\n\n...  do you think about whether your friends would approve of the item?\n...  do think about how much money you will have left to spend on other things?\n...  do think about how attractive or cool the item is?\n...  do think about how long the item will last?\n...  do think about whether the item is good value for money?\n... do you think about whether you should save your money for another day?","N","Natcen","Add to other questions with same opening statement if present in your questionnaire",null,"ASK ALL WITH MONEY:\nWhen you have money, who usually decides whether you save any of it? \nMy parents or carers decide\nI decide\nWe both decide\nDon’t know\n\nWhen you have money, who usually decided what you spend it on?\nSINGLE\n\nMy parents or carers decide\nI decide\nWe both decide\nDon't know\n\n\nASK ALL WITH MONEY (CODES 2-6 at first question):  \nWhen you get money,  how often do you save at least some of it, [say by putting it in a piggy bank or cash box or into your bank account]?\nSELECT ONE ONLY\n1. Every time I get money\n2. Most times I get money\n3. Sometimes\n4. Never\n5. Don’t know \n\n[You said that you save some money every time/most times/some of the time you get money.] How often do you spend that oney on things you want?\nSC\n\nEvery time I get money\nMost times I get money\nSometimes\nNever\nDon't know\n\nWhen you want to buy something for yourself, how often…\n\n…do you look in different places or stores to compare prices?\n\n…do you think about whether your friends would approve of the item?\n\n…do you think about whether the item is good value for money?\n\nNever\nRarely\nSometimes\nOften\nDon' know","(Join Sam questions) 6. A new toy or game you really want has just been released. It costs £35 and you don't have enough money to buy it. Do you: (Please choose one answer)\n\nNag your parents to buy it for you?\nDo some extra chores to earn the money needed to buy it?\nSave your pocket money until you can afford it?\nDecide not to buy it?\nFind another way of getting £35?",null,null,"Connection - 28\nMindset = 33 \nAbility = 75"]
[318,"Financially capable behaviour","Managing your money well day-to-day",null,"Young people shop around to get the best deal (7-11, 11-14)","When you want to buy something for yourself, how often... do  you look in different places or stores to compare prices?\nNever\nRarely\nSometimes\nOften\nDon't know","N","Natcen","Add to other questions with same opening statement if present in your questionnaire",null,"YP99: When you want to buy something for yourself, how often…\n\n…do you look in different places or stores to compare prices?\n\n…do you think about whether your friends would approve of the item?\n\n…do you think about whether the item is good value for money?\n\nNever\nRarely\nSometimes\nOften\nDon' know",null,null,null,"Mindset = 34\nAbility = 77"]
[319,"Financially capable behaviour","Managing your money well day-to-day",null,"Young people save up for bigger things they want to buy (eg a holiday or a car) and can save over a longer time period (at least a year)","What is the longest time you have saved up for? (for example to buy something you wanted)\nSC\n1. I haven’t saved up money before\n2. Less than a week\n3. More than a week but less than month\n4. More than a month but less than a year\n5. More than a year\n6. Don’t know","N","CYP fincap",null,"Y","ASK ALL AGED 7-17 \nCYP6.  What is the longest time you have saved up for? (for example to buy something you wanted)\nSC\n1. I haven’t saved up money before\n2. Less than a week\n3. More than a week but less than month\n4. More than a month but less than a year\n5. More than a year\n6. Don’t know\n\n",null,"Do you save some money every month? By saving I mean putting some money aside in anything from a money box to a bank or savings account. (Yes / No)",null,"Mindset - 36 & 52 (goals)\nAbility - 83 "]
[320,"Financially capable behaviour","Managing your money well day-to-day",null,"Young people talk about money with friends and family openly (5-7, 7-11, 11-14)","Do you talk about your money with any of the following people?\n\nMULTI\n\nI never talk about money (SC)\nFriends\nParents or carers\nTeachers\nMy brothers and sisters\nGrandparents or other family members\nDon't know (SC)","N","CYP fincap",null,"Y","CYP17:  Do you talk about your money with any of the following people?\n\nMULTI\n\nI never talk about money (SC)\nFriends\nParents or carers\nTeachers\nMy brothers and sisters\nGrandparents or other family members\nDon't know (SC)",null,"Money is something: You discuss openly with friends and family / you are uncomfortable talking about?",null,"Connection = 21\nMindset = 47"]
[321,"Connection","Access to and use of financial products and advice","CYP have access to their own financial products from a young age","Young people have access to their own current account (at a bank, building society, credit union, etc.) (7-11, 11-14)","A bank account is somewhere people can keep their money rather than keeping it at home. Credit union and building society accounts are like bank accounts, if you have a credit union or building society account you should answer yes to this question. Do you have a bank account of your own?\n\nSC\n1. Yes\n2. No\n3. I don’t know if I have one\n\nASK ALL WITH A BANK/BS ACCOUNT (CODE 1 above): \nDo you know what type of bank account you have? Is it a….\nSINGLE CODE\n1. Current account\n2. Savings account\n3. I have both a current and a savings account\n4. I don’t know what type of bank account I have","N","CYP fincap",null,"Y","NQ4: A bank account is somewhere people can keep their money rather than keeping it at home. Credit union and building society accounts are like bank accounts, if you have a credit union or building society account you should answer yes to this question. Do you have a bank account of your own?\n\nSC\n1. Yes\n2. No\n3. I don’t know if I have one\n\nASK ALL 8-17 YEAR OLDS WITH A BANK/BS ACCOUNT (CODE 1 at NQ4): \nYP2 Do you know what type of bank account you have? Is it a….\nSINGLE CODE\n1. Current account\n2. Savings account\n3. I have both a current and a savings account\n4. I don’t know what type of bank account I have",null,"Which of the following do you have? A savings account in my name / A current account in my own name / A credit union account in my name / None of the above",null,"Ability - 55, 56, 82"]
[322,"Connection","Access to and use of financial products and advice","CYP have access to their own financial products from a young age","Young people have access to and use a debit card linked to their current account (11-14)","ASK ALL  WITH A BANK/B.S. ACCOUNT:\nWhich of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)","N","CYP fincap",null,"Y","ASK ALL 8 to 17 YEAR OLDS WITH A BANK ACCOUNT:\nPP19 Which of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)\n\n",null,"c.f. row 64",null,"Ability - 71"]
[323,"Connection","Access to and use of financial products and advice","CYP have access to their own financial products from a young age","Young people have access to and manage their own savings account (at a bank, building society, credit union etc) (7-11, 11-14)","A bank account is somewhere people can keep their money rather than keeping it at home. Credit union and building society accounts are like bank accounts, if you have a credit union or building society account you should answer yes to this question. Do you have a bank account of your own?\n\nSC\n1. Yes\n2. No\n3. I don’t know if I have one\n\nASK ALL WITH A BANK/BS ACCOUNT (CODE 1 above): \nDo you know what type of bank account you have? Is it a….\nSINGLE CODE\n1. Current account\n2. Savings account\n3. I have both a current and a savings account\n4. I don’t know what type of bank account I have","N","CYP fincap",null,"Y","NQ4: A bank account is somewhere people can keep their money rather than keeping it at home. Credit union and building society accounts are like bank accounts, if you have a credit union or building society account you should answer yes to this question. Do you have a bank account of your own?\n\nSC\n1. Yes\n2. No\n3. I don’t know if I have one\n\nASK ALL 8-17 YEAR OLDS WITH A BANK/BS ACCOUNT (CODE 1 at NQ4): \nYP2 Do you know what type of bank account you have? Is it a….\nSINGLE CODE\n1. Current account\n2. Savings account\n3. I have both a current and a savings account\n4. I don’t know what type of bank account I have",null,"How or where do you save money? MULTICODE: In a savings account (eg from a bank, building society or post office) / In a ISA / In a cash or money box / In a credit union account / Premium bond",null,"Ability - 65, 82"]
[324,"Connection","Access to and use of financial products and advice","CYP have access to their own financial products from a young age","Young people have experience of managing their bank accounts online where this is available","How do you keep track of the money you get and the money you spend?\nMULTI\n\nOnline budgeting tool\nOnline bank account\nSpreadsheet\nPiece of paper\nIn my head (mentally)\nChecking my bank balance at a cash machine\nReviewing my bank statements\nOn a mobile app\nI don't keep track\nDon't know","N","CYP fincap",null,null,"YP8a: How do you keep track of the money you get and the money you spend?\nMULTI\n\nOnline budgeting tool\nOnline bank account\nSpreadsheet\nPiece of paper\nIn my head (mentally)\nChecking my bank balance at a cash machine\nReviewing my bank statements\nOn a mobile app\nI don't keep track\nDon't know"]
[325,"Connection","Access to and use of financial products and advice","CYP are given experience of choosing their own financial products","Young people are involved in the process of choosing and setting up their own current and savings accounts or have been involved in the decision-making","How involved are you in the following decisions about your money? \n(Fully involved / Partly involved / Not at all involved)\n\nChoosing my bank or savings account","N","old CYP fincap",null,"Y","old question no longer in survey\n\n\nASK ALL 7-17 YEAR OLDS WITH MONEY: COG?\nCYP8 How involved are you in the following decisions about your money? \n(Fully involved / Partly involved / Not at all involved)\nA. Deciding whether to spend or save my money\nB. Deciding how to spend my money\nC. Choosing my bank or savings account",null,null,null,"Ability - 66, 72"]
[326,"Connection","Access to and use of financial products and advice","CYP are given experience of choosing their own financial products","Young people are involved in the process of choosing and setting up their own mobile phone provider and package, and have a key say in which ones are selected (if they own a mobile phone)","Do you get to have a choice in?\n \nThe cost of your mobile phone call and data package \n\n1. Yes\n2. No\n3. Don't know\n4. I don’t have a mobile phone","N","CYP fincap","Add to other questions with same opening statement if present in your questionnaire","Y","ASK ALL 7– 17 YEAR OLDS: \nCYP1.  Do you get to have a choice in?\n \n1. Family days out or holidays \n2. What to buy in the family food shop\n3. The cost of your mobile phone call and data package \n\n1. Yes\n2. No\n3. Don't know\n4. I don’t have a mobile phone [ROW 3 ONLY]"]
[327,"Connection","Access to and use of financial products and advice","CYP recieve advice and guidance about money as well as wider life goals","Young people receive money advice and guidance from their family, teachers and other appropriate sources around money (3-5, 5-7, 7-11, 11-14)","How often do your parents or carers teach you about  money and spending?\nNever\nRarely\nSometimes\nOften\nDon't know\n\nHow often do your teachers teach you about  money and spending?\nNever\nRarely\nSometimes\nOften\nDon't know","N","Natcen",null,"Y","(11-18, ?7-11) YP19. If you needed advice about money, who would you ask?\n\nPlease select all that apply.\n\nMULTICODE ALLOWED\n\nMy parents\nMy friends\nMy teachers\nOther family members (write in)\nInternet site (write in)\nA bank, building society or other financial organisation\nTV programmes (write in)\nOther (write in)\nI do not ask for advice about money\n\n\nCYP18: Have you learnt about how to manage your money in school or college?\n(SINGLE)\n\nYes\nNo\nNot sure or don't remember\n\nCYP18a: Which subjects did you learn how to manage your money in?\nMULTI\n\nMaths\nPSHE\nCitizenship\nBusiness & Finance\nEnterprise\nOther (please specify)\nDon't know",null,null,null,"Mindset - 62\nAbility - 89"]
[328,"Connection","Access to and use of financial products and advice","CYP recieve advice and guidance about money as well as wider life goals","Young people receive money advice and guidance from their family, teachers and other appropriate sources around money (3-5, 5-7, 7-11, 11-14)","If you needed advice about money, who would you ask?\n\nPlease select all that apply.\n\nMULTICODE ALLOWED\n\nMy parents\nMy friends\nMy teachers\nOther family members (write in)\nInternet site (write in)\nA bank, building society or other financial organisation\nTV programmes (write in)\nOther (write in)\nI do not ask for advice about money\n\n\nHave you learnt about how to manage your money in school or college?\n(SINGLE)\n\nYes\nNo\nNot sure or don't remember\n\nWhich subjects did you learn how to manage your money in?\nMULTI\n\nMaths\nPSHE\nCitizenship\nBusiness & Finance\nEnterprise\nOther (please specify)\nDon't know","N","CYP fincap"]
[329,"Connection","Access to and use of financial products and advice","CYP recieve advice and guidance about money as well as wider life goals","Young people receive advice and guidance from their family, teachers and other appropriate sources on their education and career options (11-14)","How confident are you that you know who to turn to for advice about education and careers?\n1. Very confident\n2. Fairly confident\n3. Not very confident\n4. Not at all confident\n\n\nWhich of the following people have given you advice about your education and career options. Select all that apply:\n1. Parents\n2. Siblings\n3. Other family members\n4. Friends\n5. A careers adviser or careers teacher at school\n6. Other teachers at school\n7. A Connexions personal adviser\n8. Someone else at Connexions\n9. Someone else (Please specify______)","N","Natcen; LSYPE",null,null,"none"]
[330,"Connection","Access to and use of financial products and advice","CYP recieve advice and guidance about money as well as wider life goals","Young people know where to go for advice and guidance on finance options to fund further education","If you needed advice or information about the different options for paying for education in the future where would you go?\nPlease select all that apply.\n\n1. My parents\n2. My friends\n3. Other family members (write in)\n4. My teachers/my school or college\n5. Internet site (write in)\n6. A bank, building society or other financial organisation\n7. TV programmes (write in)\n8. Other (write in)\n9. I haven't thought about this yet\n10. I don't need this kind of advice or information","N","Natcen",null,null,"none"]
[331,"Connection","Exposure to family finances","CYP witness financial transactions and processes","Young people are aware of the range of regular household bills to be paid (e.g. rent/mortgage, gas, electricity, council tax)","Which of the following things do most adults pay for, and which do most adults get for free?\n\nRent or mortgage\nElectricity or gas at home\nWater at home\nVisits to a GP or hospital\nCouncil tax\nInternet at home\nBorrowing a library book\n\nPay for\nGet for free\nDon't know","N","CYP fincap/Natcen",null,"Y","YP28: Which of the following things do most adults pay for, and which do most adults get for free?\n\nRent or mortgage\nElectricity or gas at home\nWater at home\nVisits to a GP or hospital\nCouncil tax\nInternet at home\nBorrowing a library book\n\nPay for\nGet for free\nDon't know"]
[332,"Connection","Exposure to family finances","CYP are involved in discussions and decisions about household spending","Young people are involved when everyday household spending decisions are being taken (e.g. about the weekly shop) and trade-offs are being made (5-7, 7-11, 11-14)","Do you get to have a choice in?\n \nFamily days out or holidays \nWhat to buy in the family food shop\n\nYes\nNo \nDon't know\n\n\n","N","CYP fincap","Add to other questions with same opening statement if present in your questionnaire","Y","ASK ALL 7– 17 YEAR OLDS: \nCYP1.  Do you get to have a choice in?\n \n1. Family days out or holidays \n2. What to buy in the family food shop\n3. The cost of your mobile phone call and data package \n\n1. Yes\n2. No\n3. Don't know\n4. I don’t have a mobile phone [ROW 3 ONLY]\n\n\nASK ALL 7-17 YEAR OLDS: \nCYP9 Here are some things that people your age have said about money. How strongly do you agree or disagree with them\nROTATE STATEMENTS\nSelect one for each row\nMy parents or carers discuss with me what we can and can’t afford to buy (11-17 only)\nI don't like it when my parents or carers say I cannot have things I see in shops\nI don’t like it when friends have things I don’t have\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know \n",null,"Here are some statements made by other people about their family finances. Please indicate how strongly you agree or disagree with each. 'My parents discuss with me what we can and can't afford to buy' (Strongly agree / tend to agree / tend to disagreee / strongly disagree / DK)       "]
[333,"Connection","Exposure to family finances","CYP are involved in discussions and decisions about household spending","Young people are involved when everyday household spending decisions are being taken (e.g. about the weekly shop) and trade-offs are being made (5-7, 7-11, 11-14)","Here are some things that people your age have said about money. How strongly do you agree or disagree with them\nROTATE STATEMENTS\nSelect one for each row\nMy parents or carers discuss with me what we can and can’t afford to buy\nI don't like it when my parents or carers say I cannot have things I see in shops\nI don’t like it when friends have things I don’t have\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know \n","N","CYP fincap"]
[334,"Connection","Experience of managing your own money (and the risks that come with it)","CYP have their own regular source of money","Young people receive a regular income (eg. an allowance from their family or from a job)","Where do you get your money from? \nMULTI\n1. I do not get any money from my parents or other people – SC\n2. Pocket money or allowance from my parents or carers\n3. From my parents or carers as a reward for doing something\n4. Pocket money from other members of my family \n5. Birthdays, Christmas or special occasions\n6. From work or a part-time job such as delivering papers\n7. Through selling things online or somewhere else\n8. Other (Please write in)\n\nASK ALL WITH POCKET MONEY (CODES 2 and 4 at first question): \nDo you receive the same amount of pocket money/allowance each week/month? \n1. Yes, the same\n2. No, it varies\n3. Don’t know","N","CYP fincap",null,null,"ASK ALL 7-17 year olds: \nCYP2 Where do you get your money from? \nMULTI\n1. I do not get any money from my parents or other people – SC\n2. Pocket money or allowance from my parents or carers\n3. From my parents or carers as a reward for doing something\n4. Pocket money from other members of my family \n5. Birthdays, Christmas or special occasions\n6. From work or a part-time job such as delivering papers\n7. Through selling things online or somewhere else\n8. Other (Please write in)\n\nASK ALL 7-17 YEAR OLDS WITH POCKET MONEY (CODES 2-8 at CYP2): \nCYP3 Do you receive the same amount of pocket money/allowance each week/month? \n1. Yes, the same\n2. No, it varies\n3. Don’t know\n",null,"1) From which, if any, of the following sources do you get money? MULTICODE: From my parents/guardians as pocket money/allowance / From my parents/guardians in return for doing jobs / From other members of my family / From work or a part-time job / From a bank, savings account or trust in my name / Through selling items or digital content online / Benefits payments / Other specify / I do not get money from my parents or other sources.  2) If code 1: You said before that you receive pocket money allowance from your parents/guardians, is this money given to you on a regular basis or is there no set timing? I receive a fixed amount on a weekly / monthly basis /  I receive it regularly but less frequently than once a month / I don't receive it regularly, there is no set timing / DK"]
[335,"Connection","Experience of managing your own money (and the risks that come with it)","CYP have responsibility for managing their own money","Young people look after their money themselves (11-14)","IF HAVE BANK ACCOUNT:\nCan you take money out of your bank account without your parents' permission? Y/N\n\nDo your parents control the amount of money you take out of your bank account? Y/N\n\nIF DO NOT HAVE BANK ACCOUNT\nCan you spend your own money without your parents' permission? Y/N\n\nDo your parents control the amount of money you spend? Y/N","N","TNS",null,"Y","old question no longer in survey\n\n\nASK ALL 7-17 YEAR OLDS WITH MONEY: COG?\nCYP8 How involved are you in the following decisions about your money? \n(Fully involved / Partly involved / Not at all involved)\nA. Deciding whether to spend or save my money\nB. Deciding how to spend my money\nC. Choosing my bank or savings account\n"]
[336,"Connection","Experience of managing your own money (and the risks that come with it)","CYP have responsibility for managing their own money","Young people make their own decisions about how to spend or save their money (11-14)","Null","N","CYP fincap",null,"Y","ASK ALL 7-17 YEAR OLDS WITH MONEY:\nCYP8a When you have money, who usually decides whether you save any of it? \nSC\n\nMy parents or carers decide \nI decide\nWe both decide\nDon’t know\n\nCYP8b When you have money, who usually decides what you spend it on?\nSC\n \nMy parents or carers decide\nI decide\nWe both decide\nDon’t know"]
[337,"Connection","Experience of managing your own money (and the risks that come with it)","CYP have responsibility for managing their own money","Young people are given responsibility for paying for things they need out of their own money eg. mobile phone, travel or toiletries (11-14)","Do you have to pay for any of the following things you need out of your money? \nSINGLE PER ROW\n1. Non-school clothes and shoes\n3. Toiletries & cosmetics\n4. Snacks or sweets\n5. Presents for other people \n6. Toys or games or gadgets\n7. Going  out with your friends\n\nNo - my parents pay for this for me\nYes - I sometimes pay for this from my own money\nYes - I mainly pay for this from my own money","N","CYP fincap",null,"Y","ASK ALL 11-17 YEAR OLDS: COG\nYP7 Do you have to pay for any of the following things you need out of your money? \nSINGLE PER ROW\n1. Non-school clothes and shoes\n3. Toiletries & cosmetics\n4. Snacks or sweets\n5. Presents for other people \n6. Toys or games or gadgets\n7. Going  out with your friends\n\nNo - my parents pay for this for me\nYes - I sometimes pay for this from my own money\nYes - I mainly pay for this from my own money\n",null,"Which of the following are you responsible for paying for with your own money? MULTI-CODE: To buy a one-off thing such as a phone or laptop, games, non essential clothes / Leisure activities (e.g. cinema tickets, days out with friends,after school activities, sports clubs or other sports activities) / For spending for future events (whilst on holiday or to buy Christmas or birthday presents) / Mobile phone bill or top-up / To buy things I need like toiletries, travel to school, school books etc / To pay for other driving lessons, education or training after I finish school / For unknown things that might happen in the future"]
[338,"Connection","Experience of managing your own money (and the risks that come with it)","CYP have experience of paying for goods and activities","Young people pay for things online (where able to) with their own money (such as apps, games or music) without supervision","Have you ever bought something online by yourself?\n\nYes\nNo\nDon't know\n\nWhich of the following methods have you used to pay for things online?\n\nCash\nDebit card\nCredit card\nVoucher for an online shop\nOnline account (e.g. Paypal)\nOther (specify)\nI don't know how I paid for things online\nI don't pay for things online","N","MAS new; CYP fincap",null,"Y","old question no longer in survey\n\nASK ALL 7-17 YEAR OLDS: COG \nYP5 Which of the following ways do you use to pay for things you want to buy? SELECT ALL THAT APPLY\n1. Cash - notes or coins\n2. Debit card (11+ only)\n3. Pre-paid card\n4. Online account (e.g. Paypal)\n5. Mobile phone\n6. Something else (specify for pilot)\n7.  Other people buy things for me\n8. Don’t know\n","New questions:\n\nHave you ever bought something online by yourself?\n\nYes\nNo\nDon't know\n\n(11-18) YP10. Which of the following methods have you used to pay for things online?\n\nCash\nDebit card\nCredit card\nVoucher for an online shop\nOnline account (e.g. Paypal)\nOther (specify)\nI don't know how I paid for things online\nI don't pay for things online"]
[339,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP believe it's important to manage your money well and think carefully about how you spend it","Young people believe that it is important to keep track of their money (7-11, 11-14)","How important is it to check how much money you have?\n\nVery important\nQuite important\nNot very important\nNot at all important","N","Natcen",null,"Y","NQ99b: To what extent do you agree or disagree with the following\n\nIt is important to learn how to manage your money (11+)\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know"]
[340,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP believe it's important to manage your money well and think carefully about how you spend it","Young people believe it is important to think carefully about what they spend their money on (7-11, 11-14)","Imagine you were given £5 to spend on a school trip. Would you plan how to spend the money and then stick to that plan? For example, would you work out how much you want to spend on different things like sweets or presents.\n1. Yes, I would make a plan and stick to it\n2. Yes, I would make a plan but would be unlikely to stick to it\n3. No, I wouldn’t make a plan\n4. Don’t know\n","N","CYP fincap",null,"Y","NCYP10:  Imagine you were given £5 to spend on a school trip. Would you plan how to spend the money and then stick to that plan? For example, would you work out how much you want to spend on different things like sweets or presents.\n1. Yes, I would make a plan and stick to it\n2. Yes, I would make a plan but would be unlikely to stick to it\n3. No, I wouldn’t make a plan\n4. Don’t know",null,"You win £100, do you: Spend it / save it?"]
[341,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP believe it's important to manage your money well and think carefully about how you spend it","Young people think it's important to shop around for things that they need and look for the best deals in order to make their money go further (7-11, 11-14)","Imagine you need to buy a present. What do you do?\n\nGo to the nearest shop and buy the thing you want\nLook around a few different shops to see where it is cheapest\nLook online to find the cheapest price\nSomething else\nDon't know\n","N","MAS new",null,"Y",null,"new question\n\nImagine you need to buy a present. What do you do?\n\nGo to the nearest shop and buy the thing you want\nLook around a few different shops to see where it is cheapest\nLook online to find the cheapest price\nSomething else\nDon't know\n"]
[342,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP think it's good to plan for the future and save up for things","Young people prefer to plan for the future rather than live for the day when it comes to their money","When it comes to money I prefer to live for today rather than plan for tomorrow' \n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know \n","N","old CYP fincap",null,"Y","ASK ALL 7-17 YEAR OLDS: \nCYP11: Imagine someone gives you £10. How much would you spend and how much would you save for later?   \nSLIDER SCALE – Save £10 to Spend £10 – use £1 increments\n\nASK ALL 7-17 YEAR OLDS: \nCYP12: Imagine someone gives you £100. How much would you spend and how much would you save for later?   \nSLIDER SCALE – Save £100 to Spend £100 – use £1 increments",null,"Here are some statements other people have said they do when managing their money. Please indicate how strongly you agree or disagree with each. 'When it comes to money I prefer to live for today rather than plan for the future' (Strongly agree / tend to agree / tend to disagreee / strongly disagree / DK)"]
[343,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP think it's good to plan for the future and save up for things","Young people think that saving money for larger purchases is important for them to do (11-14)","Imagine you want to buy something expensive. How would you get the money?\n\nI would save some money every week or month for it\n\nI would borrow money from my friends or family\n\nMy parents or guardian would pay for it\n\nSomeone else in my family would pay for it\n\nI would just not buy it\n\nOther\n\nDon't know","N","MAS new",null,"Y","modified survey q\n\nImagine you want to buy something expensive. How would you get the money?\n\nI would save some money every week or month for it\n\nI would borrow money from my friends or family\n\nMy parents or guardian would pay for it\n\nSomeone else in my family would pay for it\n\nI would just not buy it\n\nOther\n\nDon't know",null,"Here are some statements made by other people about saving for the future. Please indicate how strongly you agree or disagree with each. 'Its important I think about how I will save for expensive things I want e.g. holidays, new tech (e.g. phone /tablet) (Strongly agree / tend to agree / tend to disagreee / strongly disagree / DK)         AND AN ALTERNATIVE OPTION: Here are some things things other people have said they do when managing their money. Please indicate the extent to which you can or cannot do each: 'Save money up until I have enough to buy something I want' (5 point scale: I can always do this / I can usually do this /  I cannot usually do this / I cannot do this / DK)"]
[344,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP think it's good to plan for the future and save up for things","Young people think it's important for them to save for the future","How important do you think it is for you to save-up your money for the future in general?\n\n\n1. Very important\n2. Fairly important\n3. Neither important not unimportant\n4. Fairly unimportant\n5. Very unimportant","N","Natcen",null,"Y","ASK ALL 7-17 YEAR OLDS: \nCYP11: Imagine someone gives you £10. How much would you spend and how much would you save for later?   \nSLIDER SCALE – Save £10 to Spend £10 – use £1 increments\n\nASK ALL 7-17 YEAR OLDS: \nCYP12: Imagine someone gives you £100. How much would you spend and how much would you save for later?   \nSLIDER SCALE – Save £100 to Spend £100 – use £1 increments\n\n"]
[345,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP think it's good to plan for the future and save up for things","Young people think it's important for them to save for the future","Imagine someone gives you £10. How much would you spend and how much would you save for later?   \n(if online) SLIDER SCALE – Save £10 to Spend £10 – use £1 increments\n(if on paper) Spend all of it; Spend more than half; Spend about half; Spend less than half; Save all of it\n\nImagine someone gives you £100. How much would you spend and how much would you save for later?   \n(if online) SLIDER SCALE – Save £100 to Spend £100 – use £1 increments\n(if on paper) Spend all of it; Spend more than half; Spend about half; Spend less than half; Save all of it","N","CYP fincap (Join Sam)"]
[346,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP have a cautious attitude to borrowing and debt","Young people believe it is important to think about the potential consequences of borrowing money including the impact if they can't pay it back","Below are some things people your age have said about borrowing money. Which one best describes how you feel about borrowing money? (12+)\n\nSINGLE\n\nI'd rather not borrow money\nBorrowing money is OK, but only if I can pay it back\nBorrowing money does not bother me at all, even if I can't afford to pay it back\nI don't know","N","CYP fincap",null,"Y","YP11: Below are some things people your age have said about borrowing money. Which one best describes how you feel about borrowing money? (12+)\n\nSINGLE\n\nI'd rather not borrow money\nBorrowing money is OK, but only if I can pay it back\nBorrowing money does not bother me at all, even if I can't afford to pay it back\nI don't know",null,"Borrowing money is something: That bothers you / that does not both you?"]
[347,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP have a cautious attitude to borrowing and debt","Young people believe it is important to think about the potential consequences of borrowing money including the impact if they can't pay it back","Steve is 18 and is studying at college. One night his home is burgled and his laptop to stolen. He does not have insurance.\nSteve needs a laptop as soon as possible so he can do his course and his friends and family cannot help him buy a replacement. He has enough money in his savings account to pay for a cheap laptop. However, if he spends his savings on a laptop he won’t be able to go on holiday with his friends like he had planned. What should Steve do?\n1. Use the savings to buy a laptop\n2. Apply for a credit card and use this to buy a laptop\n3. Get an instant pay day loan and use this to buy a laptop\n4. Drop out of college\n\nWhat would you do if you were in this situation? [options as above]\n","N","Natcen"]
[348,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP accept that they cannot have everything they want and that everyone has to make trade-offs with their money","Young people don't get angry or upset when they can't have something they want but don't need (5-7, 7-11, 11-14)","Here are some things that people your age have said about money. How strongly do you agree or disagree with them\nROTATE STATEMENTS\nSelect one for each row\nMy parents discuss with me what we can and can’t afford to buy (11-17 only)\nI don't like it when my parents or carers say I cannot have things I see in shops\nI don’t like it when friends have things I don’t have\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know","N","CYP fincap",null,null,"ASK ALL 7-17 YEAR OLDS: \nCYP9 Here are some things that people your age have said about money. How strongly do you agree or disagree with them\nROTATE STATEMENTS\nSelect one for each row\nMy parents discuss with me what we can and can’t afford to buy (11-17 only)\nI don't like it when my parents or carers say I cannot have things I see in shops\nI don’t like it when friends have things I don’t have\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know\n"]
[349,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP accept that they cannot have everything they want and that everyone has to make trade-offs with their money","Young people don't regularly ask other people for things they want but cannot afford to buy with their own money","How often do you ask your parents to buy you things you want but don’t really need (such as new games or fashionable clothes)?\n1. I do this a lot\n2. I do this sometimes\n3. I rarely do this\n4. I never do this\n5. Don’t know","N","Natcen",null,"Y"]
[350,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP accept that they cannot have everything they want and that everyone has to make trade-offs with their money","Young people don't regularly ask other people for things they want but cannot afford to buy with their own money","How much do you agree or disagree with the following statement \"I often feel annoyed with my parents if they won't buy me things I ask for\"\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know ","N","Natcen"]
[351,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP feel confident and in control of their financial situation","Young people feel confident to manage their own money (7-11, 11-14)","How confident do you feel 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","CYP fincap",null,"Y","CYP10:  How confident do you feel 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'",null,"When it comes to managing money: You are confident / you lack confidence?"]
[352,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP feel confident and in control of their financial situation","Young people believe that they can influence and improve their own financial situation (now and in adulthood) through the choices they make (11-14)","To what extent do you agree or disagree with the following\n\nNothing I do will make much difference to my money situation (11+)\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know","N","CYP fincap",null,"Y","NQ99b: To what extent do you agree or disagree with the following\n\nNothing I do will make much difference to my money situation (11+)\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know"]
[353,"Mindset","Money and values","CYP do not value themelves or others by their material possessions","When making friends, material possessions are not the most important factor for young people (7-11, 11-14)","Which of the following things would you look for in a new friend?:\n1. Whether they are clever\n2. Whether they are cool or attractive\n3. Whether they own cool things\n4. Whether they are funny\n5. Whether they have the same hobbies as you\n6. Whether they are rich\n7. None of the above","N","Natcen"]
[354,"Mindset","Money and values","CYP do not value themelves or others by their material possessions","Young people do not think that their possessions are the most important thing about them (7-11, 11-14)","How important are each of the following to you:\n1. Being popular at school\n2. Doing well in your school work\n3. Being viewed as cool or attractive\n4. Owning cool things\n5. Getting on well with your friends\n6. Getting on well with you family\n7. Being good at managing your money\n\n\n1. Very important\n2. Fairly important\n3. Neither important not unimportant\n4. Fairly unimportant\n5. Very unimportant","N","Natcen",null,"Y","ASK ALL 7-17 YEAR OLDS: \nCYP9 Here are some things that people your age have said about money. How strongly do you agree or disagree with them (5 point scale)\nROTATE STATEMENTS\nSelect one for each row\nMy parents discuss with me what we can and can’t afford to buy (11-17 only)\nI don't like it when my parents or carers say I cannot have things I see in shops\nI don’t like it when friends have things I don’t have\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know\n\nYP99: When you want to buy something for yourself, how often…\n\n…do you look in different places or stores to compare prices?\n\n…do you think about whether your friends would approve of the item?\n\n…do you think about whether the item is good value for money?\n\nNever\nRarely\nSometimes\nOften\nDon' know\n"]
[355,"Mindset","Money and values","CYP have a positive/healthy emotional relationship with money","Young people do not think that their possessions are the most important thing about them (7-11, 11-14)","outcome added from adult fw, but as per adult fw further research is needed to understand what this is and what a suitable indicator & question would be","N"]
[356,"Mindset","Money and values","CYP feel comfortable talking openly about money with friends and family","Young people feel comfortable talking openly about money with friends and family (5-7, 7-11, 11-14)","Do you talk about your money with any of the following people?\n\nMULTI\n\nI never talk about money (SC)\nFriends\nParents or carers\nTeachers\nMy brothers and sisters\nGrandparents or other family members\nDon't know (SC)","N","CYP fincap",null,null,"CYP17:  Do you talk about your money with any of the following people?\n\nMULTI\n\nI never talk about money (SC)\nFriends\nParents or carers\nTeachers\nMy brothers and sisters\nGrandparents or other family members\nDon't know (SC)"]
[357,"Mindset","Aspirations and goals","CYP aspire to be good at managing their money","Young people want to be good at managing their money (5-7, 7-11, 11-14)","How important are each of the following to you (use importance scale listed above):\n1. Being popular at school\n2. Doing well in your school work\n3. Being viewed as cool or attractive\n4. Owning cool things\n5. Getting on well with your friends\n6. Getting on well with you family\n7. Being good at managing your money","N","Natcen",null,"Y","none - though we have something for younger ages in Join Sam Qs",null,"Below are some thoughts from people of your same age, about how they imagine they will manage their money in the future.  Which one most closely describes how you think you will be at managing your money as an adult? Please select the one the best applies. If no one matches exactly your own opinion, please select the one that most closely describes it: I’ll be great – my friends will come to me for advice /  I’ll probably not be completely on top of my money, but it won’t keep me up at night / I’ll make a few mistakes – I don’t have much experience managing my own money / I’ll be quite bad at it – money really isn’t my strong point / None of the above / DK Better Q: You have a friend who is better than you at budgeting: You wish you were a bit more like them / You don’t think you need to be like them?"]
[358,"Mindset","Aspirations and goals","CYP have educational and career goals","Young people have goals around the education and qualifications they want to achieve (11-14) ","Which, if any, of the following goals would you like to achieve in the next 5 years?\n\nMULTICODE\n\nNothing, I have no goals for the next 5 years (SC)\nGet into university\nGo travelling\nGet a secure job when I leave education\nMove out of parents' home\nGet my own car\nNot rely on my parents for money\nGo on holiday with my friends\nStay in education past the age of 16\nGet good grades in my homework\nMake it into a sports team or music group or drama production\nStay in education\nI have other goals I would like to achieve","N","CYP fincap","This questions could fit across both of these indicators, with some additional answer options?",null,"(11-18) YP8. Which, if any, of the following goals would you like to achieve in the next 5 years?\n\nMULTICODE\n\nNothing, I have no goals for the next 5 years (SC)\nGet into university\nGo travelling\nGet a secure job when I leave education\nMove out of parents' home\nGet my own car\nNot rely on my parents for money\nGo on holiday with my friends\nStay in education past the age of 16 (11-15)\nGet good grades in my homework\nMake it into a sports team or music group or drama production\nStay in education (11-14)\nI have other goals I would like to achieve",null,"Which, if any, of the following goals would you like to achieve in the next 5 years? MULTICODE: Get into University / Go travelling / Get a secure job / Move out of parental home / Get my own car / Provide for myself / Have fun with my friends without any big commitment / Nothing, I have no specific goals for the next 5 years"]
[359,"Mindset","Aspirations and goals","CYP have educational and career goals","Young people have goals around the job they want to do when they leave education (11-14)","How important to you is it that…\n...you  get a job when you finish education?\n...you are rich when you are a grown-up?\n\n\n1. Very important\n2. Fairly important\n3. Neither important not unimportant\n4. Fairly unimportant\n5. Very unimportant\n\n\nDo you have any idea what job you would like to have when you are older? \n1. Yes- I know exactly what I want to be\n2. I have some ideas but I am not 100% decided\n3. No- I don't know what job I would like\n\n","N","Natcen",null,null,"(11-18) YP8. Which, if any, of the following goals would you like to achieve in the next 5 years?\n\nMULTICODE\n\nNothing, I have no goals for the next 5 years (SC)\nGet into university\nGo travelling\nGet a secure job when I leave education\nMove out of parents' home\nGet my own car\nNot rely on my parents for money\nGo on holiday with my friends\nStay in education past the age of 16 (11-15)\nGet good grades in my homework\nMake it into a sports team or music group or drama production\nStay in education (11-14)\nI have other goals I would like to achieve"]
[360,"Mindset","Aspirations and goals","CYP have educational and career goals","Young people have goals around the job they want to do when they leave education (11-14)","{If 1 or 2 above} How likely are you to get the type of job you would like in the future?\n1. Very likely\n2. Somewhat likely\n3. Not very likely\n4. Not at all likely","N","Natcen"]
[361,"Mindset","Aspirations and goals","CYP have financial goals","Young people aspire to earn their own money as adults rather than rely on others for money (11-14)","Do you agree or disagree with the following statements?\n                                                       Agree                    Disagree\n\n1. It's important to earn your own money\n2. I would like to be able to pay my own way as soon as I'm old enough\n3. It's fine to not earn money because others will make sure you have enough to get by\n4. I'm looking forward to having a job and my own money\n5. It's a good idea to get a part-time job when you are old enough to earn money rather than relying on your parents","N","TNS",null,null,"NQ99b: To what extent do you agree or disagree with the following\n\nHaving a job is the best way to be an independent person (14+)\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know"]
[362,"Mindset","Aspirations and goals","CYP have financial goals","Young people have a plan for saving up a certain amount of money so that they can pay for something that they want themselves (they have a savings goal) (5-7, 7-11, 11-14)","Do you save money, for example at home in a money box or in a savings account? Please choose one answer.\na) Yes I save regularly\nb) Yes, but only occasionally\nc) No\n\n\nASK IF ANSWERED a or b for question above\nPeople save for different reasons. Which of these statements best describes why you save? Please choose one answer.\na) I’m saving because my parents or guardians say it’s a good idea\nb) I’m saving up for a specific thing I want to buy\nc) I’m saving because I want to but not towards anything in particular\nd) I’m only saving because my parents or guardians make me","N","Join Sam",null,"Y","ASK ALL AGED 7-17 \nCYP6.  What is the longest time you have saved up for? (for example to buy something you wanted)\nSC\n1. I haven’t saved up money before\n2. Less than a week\n3. More than a week but less than month\n4. More than a month but less than a year\n5. More than a year\n6. Don’t know\n\n","(Join Sam questions) 1. Do you save money, for example at home in a money box or in a savings account? Please choose one answer.\na) Yes I save regularly\nb) Yes, but only occasionally\nc) No\n\n\nASK IF ANSWERED a, b or c for Q1\n1a.  People save for different reasons. Which of these statements best describes why you save? Please choose one answer.\na) I’m saving because my parents or guardians say it’s a good idea\nb) I’m saving up for a specific thing I want to buy\nc) I’m saving because I want to but not towards anything in particular\nd) I’m only saving because my parents or guardians make me\n"]
[363,"Mindset","General mindset","CYP have self-esteem","Young people have a sense of their own value or worth","Do you think that your parents usually like to hear about your ideas? (Yes/No/Don't know)\n\nWhen you have to say things in front of teachers, do you usually feel shy? (Yes/No/Don't know)\n\nAre there lots of things about yourself you would like to change? (Yes/No/Don't know)\n\nI have high self-esteem (7 point scale from Not very true of me to Very true of me)","N","LAWSEQ; Rosenberg",null,"Y","none",null,"Overall, to what extent do you feel that the things you do in your life are worthwhile? (0-10)","LAWSEQ Q1. Do you think that your parents usually like to hear about your ideas? (Yes/No/Don't know)\n\nLAWSEQ Q6. When you have to say things in front of teachers, do you usually feel shy? (Yes/No/Don't know)\n\nLAWSEQ Q10. Are there lots of things about yourself you would like to change? (Yes/No/Don't know)\n\nRosenberg Single Item scale. I have high self-esteem (7 point scale from Not very true of me to Very true of me)"]
[364,"Mindset","General mindset","CYP have self-esteem","Young people have a sense of their own value or worth","Do you think that your parents usually like to hear about your ideas? (Yes/No/Don't know)\n\nWhen you have to say things in front of teachers, do you usually feel shy? (Yes/No/Don't know)\n\nAre there lots of things about yourself you would like to change? (Yes/No/Don't know)\n\nI have high self-esteem (7 point scale from Not very true of me to Very true of me)","N","LAWSEQ; Rosenberg",null,null,"none"]
[365,"Mindset","General mindset","CYP have self-esteem","Young people have a sense of their own value or worth","Do you think that your parents usually like to hear about your ideas? (Yes/No/Don't know)\n\nWhen you have to say things in front of teachers, do you usually feel shy? (Yes/No/Don't know)\n\nAre there lots of things about yourself you would like to change? (Yes/No/Don't know)\n\nI have high self-esteem (7 point scale from Not very true of me to Very true of me)","N","LAWSEQ; Rosenberg",null,null,"none"]
[366,"Mindset","General mindset","CYP have self-esteem","Young people have a sense of their own value or worth","Do you think that your parents usually like to hear about your ideas? (Yes/No/Don't know)\n\nWhen you have to say things in front of teachers, do you usually feel shy? (Yes/No/Don't know)\n\nAre there lots of things about yourself you would like to change? (Yes/No/Don't know)\n\nI have high self-esteem (7 point scale from Not very true of me to Very true of me)","N","LAWSEQ; Rosenberg",null,"Y","none"]
[367,"Mindset","General mindset","CYP display self-control/self-regulation","Children show appropriate behaviour","I often fight with other people\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n\nI get angry quickly\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n\nI sometimes take things belonging to other people\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n\nI am generally willing to do what is asked of me (e.g. by teachers or parents)\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n\nOther people say I tell lies\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all","N","adapted from BCS10 (Rutter)",null,"Y","none",null,"Imagine that somebody has given you £100 as a gift. Which, if any, of the following would you be most likely to do with all or most of this money if you received it next week? SINGLE: Spend it on yourself, friends or family / Save it towards something you want to buy or do / Save it in case you need it for something unexpected in the future","Parent-report items\n\nPlease say how true or untrue the following statements are of your child:\n{Child} Frequently fights with others \n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Is irritable or quick to get angry\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Sometimes takes/steals things from others\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Is often disobedient\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Often tells lies\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\nSelf-report:\nI often fight with other people\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n\nI get angry quickly\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n\nI sometimes take things belonging to other people\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n\nI am generally willing to do what is asked of me (e.g. by teachers or parents)\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n\nOther people say I tell lies\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n\n\n2. Setbacks don’t discourage me. \nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all \n\n7. I finish whatever I begin. \nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all \n\nI persist (carry on) with work whether it is difficult or not. \nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all"]
[368,"Mindset","General mindset","CYP display self-control/self-regulation","Children show perseverance","Setbacks don’t discourage me. \nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all \n\nI finish whatever I begin. \nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all \n\nI persist (carry on) with work whether it is difficult or not. \nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n","N","Duckworth Grit Scale; BCS 1970",null,"Y","none"]
[369,"Mindset","General mindset","CYP have self-efficacy","Young people believe they can improve their abilities through personal effort","Do you usually feel that it's almost useless to try in school because most students are cleverer than you? (Yes/No/Don't know)\n\nWhen someone is very angry with you is it impossible to make him your friend again? (Yes/No/Don't know)\n\nWhen bad things happen to you it is usually someone else's fault? (Yes/No/Don't know)\n\nWhen nice things happen to you is it only good luck? (Yes/No/Don't know)","N","CARALOC",null,"Y","none",null,null,"CARALOC 5. Do you usually feel that it's almost useless to try in school because most students are cleverer than you? (Yes/No/Don't know)\nCARALOC 12. When someone is very angry with you is it impossible to make him your friend again? (Yes/No/Don't know)\nCARALOC 13. When bad things happen to you it is usually someone else's fault? (Yes/No/Don't know)\nCARALOC 14. When nice things happen to you is it only good luck? (Yes/No/Don't know)"]
[370,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people know what bank accounts are, how they work and the benefits of having them (11-14)","Do you know what a bank account is? (7-11)\n1. Yes\n2. No\n\n\nA bank account is somewhere people can keep their money rather than keeping it at home. Credit union and building society accounts are like bank accounts, if you have a credit union or building society account you should answer yes to this question. Do you have a bank account of your own?\n\nSC\n1. Yes\n2. No\n3. I don’t know if I have one\n\nASK ALL WITH A BANK/B.S. ACCOUNT:\nWhich of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)","N","CYP fincap",null,null,"ASK ALL 7-11 YEAR OLDS\nNQ3: Do you know what a bank account is? (7-11)\n1. Yes\n2. No\n\n\nNQ4: A bank account is somewhere people can keep their money rather than keeping it at home. Credit union and building society accounts are like bank accounts, if you have a credit union or building society account you should answer yes to this question. Do you have a bank account of your own?\n\nSC\n1. Yes\n2. No\n3. I don’t know if I have one\n\nASK ALL 8 to 17 YEAR OLDS WITH A BANK ACCOUNT:\nPP19 Which of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)\n\nASK ALL 8-17 YEAR OLDS WITH A BANK/BS ACCOUNT (CODE 1 at NQ4): \nYP2 Do you know what type of bank account you have? Is it a….\nSINGLE CODE\n1. Current account\n2. Savings account\n3. I have both a current and a savings account\n4. I don’t know what type of bank account I have\n\n"]
[371,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people are aware of the different types of savings products available (eg. savings accounts, junior ISAs, child trust funds, etc.) and are aware of the pros and cons of each (11-14)","Before today, which of the following financial products have you heard of?\nCurrent account\nSavings account\nISAs\nChild trust funds or Junior ISAs\n\n\nWhich of the following do you have in your own name?\nCurrent account\nSavings account\nISAs\nChild trust funds or Junior ISAs","N","Natcen",null,"Y","ASK ALL 8-17 YEAR OLDS WITH A BANK/BS ACCOUNT (CODE 1 at NQ4): \nYP2 Do you know what type of bank account you have? Is it a….\nSINGLE CODE\n1. Current account\n2. Savings account\n3. I have both a current and a savings account\n4. I don’t know what type of bank account I have\n\nNQ3: Do you have a Child Trust FUnd or a Junior ISA?\n\nMULTI\n\nI have a Child Trust Fund\nI have a Junior ISA\nI don't know if I have one of these (SC)\nI don't know what these are (SC)\n\nYP19: Look at this list and choose which ones make your money grow, and which ones give you money now that has to be paid back later?\n\nMortgage\nJunior ISA\nSavings account\nPayday loan\nGovernment Bond\nCredit card\nInvestment\n\nMakes your money grow\nHas to be paid back later\nDon't know"]
[372,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people understand how to set up a current or savings account (7-11, 11-14)","To set up a bank account which of these things do you think you would need?\n1. Name and address\n2. Date of birth\n3. Birth certificate\n4. Passport\n5. Note from your school\n6. Parents' personal details\n7. A computer/laptop/tablet\n8. A credit card\n9. Some money","N","TNS",null,"Y","for those who weren't involved in setting up or don't have - what do you need to set up a current account?"]
[373,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people understand the role of student loans and the way in which they work","Student  loans are a cheap way to borrow money.\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know \n\nPlease indicate whether you think the following statements are True or False:\n1. Student loans need to be paid immediately after graduation\n2. You must start to repay a student loan if you earn above a certain amount\n3. Student loans are cleared after 25 years \n4. One does not need to pay the student loans if s/he is self-employed\n5. Student loans repayments are calculated each month based on one's salary","N","LSYPE: Natcen",null,null,"YP21: Is this true or false?\n\nYou always need to start paying a student loan back as soon as you leave University\n\nTrue\nFalse\n"]
[374,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people understand what insurance is for and where to go to access it","Why  would someone buy insurance? Please choose all that apply:\n1. To cover the cost if they lose something\n2. To cover the cost if something they owned broke\n3. To cover the costs if something they owned got stolen\n4. To replace an older object (such as a mobile) with a new one\n\n\nPlease indicate whether you think the following statements are True or False (True/False/Don't Know)\n1. You can get better deals on insurance if you shop around\n2. If you own a car you must have car insurance to drive it\n3. If you own a mobile phone you are legally obliged to insure it\n4. All insurance policies have the same terms and conditions\n5. Insurers can refuse to pay for things depenfing on the terms and conditions","N","Natcen",null,null,"none",null,"If the inflation rate is 5% and the interest rate you get on your savings is 3%, will your savings have more, the same or less buying power in a year's time? (More / The same / Less / DK)"]
[375,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people understand what insurance is for and where to go to access it","Which of the following can people buy insurance for? Choose all that apply\n1.  Mobile phone \n2. Home contents\n3. Car\n4. Pet\n5. Life insurance (to provide a cash pay-out if they die)\n6. Dental and medical (to provide private care if they get sick)\n7. Travel insurance (to cover holidays)\n","N","Natcen"]
[376,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people understand that borrowing money and not being able to pay it back can have negative consequences (11-14)","Do you agree or disagree with the following statements?                      \n  \n1. Borrowing money is OK as long as you pay bits back regularly\n2. Borrowing money for a long time means you may have to pay back a lot more than you borrowed\n3. If you borrow money and do not pay it back nothing will happen\n4. Getting into debt means it is harder to get loans, credit cards and mobile phone contracts in the future\n\nAgree\nDisagree\n\n","N","TNS",null,"Y","same as indicator earlier on consequences - use only one of them\n\nASK ALL 11-17 YEAR OLDS: \nYP11 Below are some things people your age have said about borrowing money. Which one best describes how you feel about borrowing money?\nPlease select the one that best applies. If no one matches exactly your own opinion, please select the one that most closely describes it\nSINGLE CODE. REVERSE CODES 1-3\n1. I’d rather not borrow money \n2. Borrowing money is OK; but only if I can pay it back \n3. Borrowing money does not bother me at all, even if I can’t afford to pay it back\n4. I don’t know\n"]
[377,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people understand what interest is, and how it can be added to money that people save or borrow (7-11, 11-14, 14-16)","Can you pick the word that best fits the description?\n\nThe amount the price of things in shops goes up by\n\nThe money that is added to savings by banks or building soceties\n\nThe money people pay to  government\n\nThe amount you get when you retire from working\n\nThe amount of money you have in your bank account\n\nInterest\nPension\nInflation\nBalance\nTax\nBenefit\nCredit\nDebit\nDon't know","N","CYP fincap","Draw a line between word and description if on paper or use drag and drop if online",null,"YP18:  Can you pick the word that best fits the description?\n\nThe amount the price of things in shops goes up by\n\nThe money that is added to savings by banks or building soceties\n\nThe money people pay to  government\n\nThe amount you get when you retire from working\n\nThe amount of money you have in your bank account\n\nInterest\nPension\nInflation\nBalance\nTax\nBenefit\nCredit\nDebit\nDon't know"]
[378,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people understand that you can pay for things in different ways (eg. cash, direct debit from a bank account, debit card etc) and the reasons for chosing one method over another (7-11, 11-14)"," Which of the following methods do you use to pay for things you want to buy? SELECT ALL THAT APPLY\n1. Cash - notes or coins\n2. Debit card\n3. Pre-paid card\n4. Online account (e.g. Paypal)\n5. Mobile phone\n6. Something else (specify for pilot)\n7.  Other people buy things for me\n8. Don’t know\n\nAnd which of the following ways do you see your parents pay for things? SELECT ALL THAT APPLY\n1. Cash – notes or coins\n2. Debit card\n3. Pre-paid card\n4. Online account (e.g. Paypal)\n5. Mobile phone\n6. Credit card\n7. Direct debit\n8. None of the above\n9. Don’t know\n\nIs this true or false?\n\nA debit card takes money directly from your bank account, a credit card lets you borrow money and pay it back later\n\nDirect debits can take money from your bank account each month for regular bills\n\nTrue\nFalse","N","CYP fincap",null,null,"ASK ALL 7-17 YEAR OLDS: COG \nYP5 Which of the following ways do you use to pay for things you want to buy? SELECT ALL THAT APPLY\n1. Cash - notes or coins\n2. Debit card (11+ only)\n3. Pre-paid card\n4. Online account (e.g. Paypal)\n5. Mobile phone\n6. Something else (specify for pilot)\n7.  Other people buy things for me\n8. Don’t know\n\nASK ALL 7-17 YEAR OLDS: \nYP6 And which of the following ways do you see your parents pay for things? SELECT ALL THAT APPLY\n1. Cash – notes or coins\n2. Debit card\n3. Pre-paid card\n4. Online account (e.g. Paypal)\n5. Mobile phone\n6. Credit card\n7. Direct debit\n8. None of the above\n9. Don’t know\n\nYP21: Is this true or false?\n\nA debit card takes money directly from your bank account, a credit card lets you borrow money and pay it back later\n\nDirect debits can take money from your bank account each month for regular bills\n\nTrue\nFalse"]
[379,"Ability","Understanding financial products and concepts","CYP understand how to choose financial products that meet their needs","Young people understand the things they need to think about when choosing between different current or savings accounts (eg. interest rates, how quickly and easily they can access the money, different account features, etc.) (11-14)","Which of these features should you think about when choosing a bank account?\nTick all that apply\n\n1. Having a cash card or debit card\n2. Ease of getting to the bank\n3. Whether my friends use the same bank\n4. Whether my parents use the same bank\n5. Whether you can bank online or through an app\n6. Interest rate on the money in the bank account\n7. Whether you can access your money straightaway\n8. How much money you can take out per day\n9. Overdraft facility and how much it is\n10. Introductory offers (e.g. free tickets/travel card)\n11. Monthly fee and how much it is\n12. Special features (e.g. mobile phone insurance)\n13. Other (please write in)","N","TNS",null,"Y","List of options with some false ones"]
[380,"Ability","Understanding financial products and concepts","CYP understand how to choose financial products that meet their needs","Young people know useful strategies when selecting financial products such as comparing deals, reading the small print, switching providers and seeking advice","The  next questions look at the sort of things people do when choosing financial products such as  bank account accounts or mobile phone tariffs. Please indicate whether you think the following statements are true or false (True/False/Don't Know)\n\n...You can get better deals on financial products if you shop around\n...It is important to read the terms and conditions before picking a  financial product. \n... Banks are legally obliged to tell me if my money could be doing better in another account\n... Mobile phone providers are legally obliged to tell me which tariff is best  for me\n ...You can often get better deals on financial products if you change provider regularly\n...Free neutral advice on choosing financial products is available, you just need to know where to find it","N","Natcen",null,null,"none"]
[381,"Ability","Understanding financial products and concepts","CYP understand how to choose financial products that meet their needs","Young people are aware that some saving products have higher interest than others","Which of the following statements is true and which is false:\n\nIt doesn't matter what kind of savings account you have, the interest rate is the same at all banks\nThere are some financial products which will give you a higher interest rate\nIf you negotiate with the bank, you can get a higher interest rate on your savings\nAll the saving products within the same bank offer the same interest rate","N","Natcen",null,null,"none"]
[382,"Ability","Understanding money management","CYP understand the value of money","Young people can make spending decisions appropriate to their age based on their needs and priorities","When you get money,  how often do you save at least some of it, [say by putting it in a piggy bank or cash box or into your bank account]?\nSELECT ONE ONLY\n1. Every time I get money\n2. Most times I get money\n3. Sometimes\n4. Never\n5. Don’t know \n\n[You said that you save some money every time/most times/some of the time you get money.] How often do you spend that money on things you want?\nSC\n\nEvery time I get money\nMost times I get money\nSometimes\nNever\nDon't know","N","CYP fincap","Filter second question by answer to first question","Y","\nASK ALL 7-17 YEAR OLDS WITH MONEY (CODES 1-7 at CYP2):  \nYP3 When you get money,  how often do you save at least some of it, [say by putting it in a piggy bank or cash box or into your bank account]?\nSELECT ONE ONLY\n1. Every time I get money\n2. Most times I get money\n3. Sometimes\n4. Never\n5. Don’t know \n\nYP3b: [You said that you save some money every time/most times/some of the time you get money.] How often do you spend that oney on things you want? (7-17)\nSC\n\nEvery time I get money\nMost times I get money\nSometimes\nNever\nDon't know"]
[383,"Ability","Understanding money management","CYP understand the value of money","Young people understand the difference between 'price' and 'value' and that some things are better value than others (7-11)","You are thinking of buying some new trainers.  Which of these comes closest to your view?\n\n1. It's best to buy a well-known, expensive, brand\n2. It is worth considering a less expensive brand if it offers the same quality\n3. It is best to choose the cheapest ones you can get even if they won't last quite as long","N","TNS","This question may be best administered through a paper or web self-completion as there may be social desirability bias here.","Y","YP99: When you want to buy something for yourself, how often…\n\n…do you look in different places or stores to compare prices?\n\n…do you think about whether your friends would approve of the item?\n\n…do you think about whether the item is good value for money?\n\nNever\nRarely\nSometimes\nOften\nDon' know",null,"Have you learnt about how to manage your money in school? Yes /  No / Not sure (don’t remember)"]
[384,"Ability","Understanding money management","CYP understand the value of money","Young people understand how to shop around to get the best value for money and why this is important (7-11, 11-14)","How can you make sure you get a good deal when buying something?\n1. Buy the first thing you see\n2. Compare prices in different shops or online (1 point)\n3. Buy second hand (1 point)\n4. Buy non-branded goods (1 point)\n5. Only buy the things you really need (1 point)\n6. Wait for things you want to go on sale (1 point)\n7. Get someone else to buy it for you\n8. Don't know (0 points)\n\nWhy is it a good idea to shop around when picking where to buy something?\n\n1.  You can find the same thing for different prices in different shops (1 point)\n2. It is fun to shop around (0 point)\n3. Some shops sell better quality items compared to others(1 point)\n4. Shopping around can save you money (1 point)\n5. Don’t know (0 points)\n\n\n\n\n","N","Natcen"]
[385,"Ability","Understanding money management","CYP know how to keep track of their money, and set and stick to a budget","Young people know how to set a budget appropriate to their age and accurately track their spending against it (11-14)","Do you know how much money you have in total? (IF HAVE BANK ACCOUNT INSERT [“including in your bank”])\nSC\n1. No \n2. Yes, roughly\n3. Yes exactly\n\n\nHow do you keep track of the money you get and the money you spend?\nMULTI\n\nOnline budgeting tool\nOnline bank account\nSpreadsheet\nPiece of paper\nIn my head (mentally)\nChecking my bank balance at a cash machine\nReviewing my bank statements\nOn a mobile app\nI don't keep track\nDon't know","N","CYP fincap",null,null,"ASK ALL 7-17 YEAR OLDS WITH MONEY (CODES 2-8 at CYP2): \nCYP5 Do you know how much money you have in total? (IF HAVE BANK ACCOUNT INSERT [“including in your bank”])\nSC\n1. No \n2. Yes, roughly\n3. Yes exactly\n\n\nYP8a: How do you keep track of the money you get and the money you spend?\nMULTI\n\nOnline budgeting tool\nOnline bank account\nSpreadsheet\nPiece of paper\nIn my head (mentally)\nChecking my bank balance at a cash machine\nReviewing my bank statements\nOn a mobile app\nI don't keep track\nDon't know"]
[386,"Ability","Understanding money management","CYP know how to keep track of their money, and set and stick to a budget",null,"Some people set a plan for how they will spend their money and others do not. Which of these comes closest to how you feel about money planning?\n\n1. It's best to record the money you have and everything you spend to make sure you don't run out of money\n2. It is a good idea to keep an eye on your spending but it's not worth worrying about a pound here and there\n3. It's too much effort to keep track of spending; if you run out of money you'll just have to wait until you get more\n","N","TNS"]
[387,"Ability","Understanding money management","CYP know how to keep track of their money, and set and stick to a budget","Young people know how to use tools to help them budget (11-14)","ASK ALL WITH A BANK/B.S. ACCOUNT:\nWhich of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)\n\nASK ALL WITH MONEY (CODES 2-6 at first question): \nDo you know how much money you have in total? (IF HAVE BANK ACCOUNT INSERT [“including in your bank”])\nSC\n1. No \n2. Yes, roughly\n3. Yes exactly\n\n\nHow do you keep track of the money you get and the money you spend?\nMULTI\n\nOnline budgeting tool\nOnline bank account\nSpreadsheet\nPiece of paper\nIn my head (mentally)\nChecking my bank balance at a cash machine\nReviewing my bank statements\nOn a mobile app\nI don't keep track\nDon't know","N","CYP fincap",null,null,"ASK ALL 8 to 17 YEAR OLDS WITH A BANK ACCOUNT:\nPP19 Which of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)\n\nASK ALL 7-17 YEAR OLDS WITH MONEY (CODES 2-8 at CYP2): \nCYP5 Do you know how much money you have in total? (IF HAVE BANK ACCOUNT INSERT [“including in your bank”])\nSC\n1. No \n2. Yes, roughly\n3. Yes exactly\n\n\nYP8a: How do you keep track of the money you get and the money you spend?\nMULTI\n\nOnline budgeting tool\nOnline bank account\nSpreadsheet\nPiece of paper\nIn my head (mentally)\nChecking my bank balance at a cash machine\nReviewing my bank statements\nOn a mobile app\nI don't keep track\nDon't know"]
[388,"Ability","Understanding money management","CYP know how to keep track of their money, and set and stick to a budget","Young people know how to check a bank balance and read a bank statement (7-11, 11-14)","BSQ: Looking at this example of a bank statement, how much money was in the account at the end of February? \nPlease type in your answer to nearest pound__________________\n\n","Y-BSQ","CYP fincap",null,"Y","P22 Looking at this example of a bank statement, how much money was in the account at the end of February? \nPlease type in your answer to nearest pound__________________\n\n\n"]
[389,"Ability","Understanding money management","CYP know how to keep track of their money, and set and stick to a budget","Young people know they need to keep information about their current and savings accounts safe (7-11, 11-14)","If have a bank account:\n\nDoes your bank account come with a card you can use to get cash from a cash point?\nYes \nNo\nDon't know\n\n{If yes} Who looks after your bank card?\n1. You\n2. Someone else (e.g. your parents or other)\n\n{if you} Which of the following should you do to keep your bank card PIN safe? Please select all the answers you think are correct\n1. Write down your PIN and keep it in your wallet in case you forget it\n2. Tell your best friend your PIN in case you forget it\n3. Keep your PIN secret from everyone\n4. Hide the keypad when you are entering your PIN at a cash point or shop\n5. Change your PIN if you think someone may have seen it\n\n Please say true or false to each statement (True/False/ Don’t know)\n1. It is important to keep your bank details, PIN and passwords secret.\n2. Your bank may email you sometimes to ask for your PIN. \n3. Criminals often pretend to be banks or other organisations to scam people\n4. Official people, like banks and police officers,  never ask for bank details (like your PIN) by phone or email\n5. Criminals can copy bank cards by using machines that look like ATMs or card payment machines\n6. It is always safe to use a cash machine, even if it looks damaged or unusual","N","Natcen","Filter from previous question on bank accounts, then filter subsequent questions on answers to previous. Last question in gorup can be asked to all.",null,"ASK ALL 8 to 17 YEAR OLDS WITH A BANK ACCOUNT:\nPP19 Which of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)",null,"Young people agree that saving money for something unexpected in the future: Is important / unimportant?"]
[390,"Ability","Understanding money management","CYP know how to save up for things they want and why it is good to save","Young people know how to make deposits into a bank account (7-11, 11-14)","Which of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)\n\nASK ALL WITH MONEY (CODES 2-6 at first question):  \nWhen you get money,  how often do you save at least some of it, [say by putting it in a piggy bank or cash box or into your bank account]?\nSELECT ONE ONLY\n1. Every time I get money\n2. Most times I get money\n3. Sometimes\n4. Never\n5. Don’t know ","N","CYP fincap",null,null,"ASK ALL 8 to 17 YEAR OLDS WITH A BANK ACCOUNT:\nPP19 Which of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)\n\nASK ALL 7-17 YEAR OLDS WITH MONEY (CODES 1-7 at CYP2):  \nYP3 When you get money,  how often do you save at least some of it, [say by putting it in a piggy bank or cash box or into your bank account]?\nSELECT ONE ONLY\n1. Every time I get money\n2. Most times I get money\n3. Sometimes\n4. Never\n5. Don’t know "]
[391,"Ability","Understanding money management","CYP know how to save up for things they want and why it is good to save","Young people understand why saving money for something you want to buy is important (7-11, 11-14)","Why is it good to save up for something you want to buy?\n1. Saving up for things yourself will help you learn money management for when you are older (2 points)\n2.  Other people may not have money to spare/ they may get irritated if you ask them for money (1 point)\n3. Saving up for something will mean you are less likely to make 'impulse buys'/ makes you more likely to buy thing you really want or need (1 point)\n4. You can spend the money you have saved on something else if youwant to\n4. To stop you getting into debt  (2 point)\n","N","Natcen",null,null,"none"]
[392,"Ability","Understanding money management","CYP know how to save up for things they want and why it is good to save","Young people understand why saving money for something you want to buy is important (7-11, 11-14)","Tristan  goes to a shop with his parents. He sees a cap he would really like to buy. The cap costs £15.  Tristan only has £10 right now, but next week he will get his pocket money.  Should Tristan:\n1. Ask his parents for more money so he can buy the cap now, or\n2. Buy the cap next week when he gets his pocket money\n\nWhat would you do in Tristan's situation?\n1. Ask your parents for the money so you can buy the cap straight away\n2. Buy the cap in a weeks time when you have more money\n","N","Natcen"]
[393,"Ability","Understanding money management","CYP know how to save up for things they want and why it is good to save","Young people understand the value of saving for the future","How important do you think it is for you to save-up your money for the future in general?\n1. Very important\n2. Quite important\n3. Not that important \n4. Not important at all \n\nOR\n\n1. Very important\n2. Fairly important\n3. Neither important not unimportant\n4. Fairly unimportant\n5. Very unimportant","N","Natcen",null,null,"ASK ALL 7-17 YEAR OLDS: \nCYP11: Imagine someone gives you £10. How much would you spend and how much would you save for later?   \nSLIDER SCALE – Save £10 to Spend £10 – use £1 increments\n\nASK ALL 7-17 YEAR OLDS: \nCYP12: Imagine someone gives you £100. How much would you spend and how much would you save for later?   \nSLIDER SCALE – Save £100 to Spend £100 – use £1 increments\n"]
[394,"Ability","Understanding money management","CYP are aware of scams and fraud and know how to protect themselves from it","Young people understand about the different types of scams and identity theft, and know how to protect themselves from it (11-14)","Please say true or false to each statement (True/False/ Don’t know)\n1. It is important to keep your bank details, PIN and passwords secret.\n2. Your bank may email you sometimes to ask for your PIN. \n3. Criminals often pretend to be banks or other organisations to scam people\n4. Official people, like banks and police officers,  never ask for bank details (like your PIN) by phone or email\n5. Criminals can copy bank cards by using machines that look like ATMs or card payment machines\n6. It is always safe to use a cash machine, even if it looks damaged or unusual\n\n\nTo what extent do you agree or disagree with each of these statements? \n\n- I never open attachments from unknown email senders \n- I always lock my phone/ tablet/ laptop when I am not using it\n- I pick passwords  that will be difficult to break (long ones with both numbers and letters)\n– I never tell other people what my passwords are\n- I have anti-virus software  on my computer\n- I am careful about what information I publish about myself online and on social media\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know ","N","Natcen"]
[395,"Ability","Understanding money management","CYP can apply their numeracy skills to financial issues","Young people can calculate what interest they would be paid or would owe if their saved or borrowed money (7-11, 11-14)","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.\nHow much would be in the account at the end of the first year, once the interest payment is made?   \nENTER AMOUNT\n Don’t know\n","N","CYP fincap",null,"Y","ASK ALL 11-17 YEAR OLDS: \nYP25 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.\nHow much would be in the account at the end of the first year, once the interest payment is made?   \nENTER AMOUNT\n Don’t know\n"]
[396,"Ability","Understanding money management","CYP can apply their numeracy skills to financial issues","Young people can calculate the impact of inflation and depreciation on their money","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?\n(SC)\n\n1. More\n2. The same\n3. Less\n4. Don’t know","N","CYP fincap",null,null,"ASK ALL 14-17 YEAR OLDS: \nYP26: 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?\n(SC)\n\n1. More\n2. The same\n3. Less\n4. Don’t know"]
[397,"Ability","Understanding money management","CYP can apply their numeracy skills to financial issues","Young people can work out how long they will need to save for to be able to buy something if they are saving a set amount a week (7-11, 11-14)","Greg gets £6.00 a week pocket money. How long would it take Greg to save up his pocket money to buy something that costs £26?\n\n","N","Natcen",null,null,"(old question no longer in survey)\n\nASK ALL 7-14 YEAR OLDS: (ABILITY) \nCYP16 If you saved £7 each week, how long would it take for you to be able to buy the £35 game? Please choose one answer.\n1. 4 weeks\n2. 5 weeks\n3. 6 weeks\n4. 7 weeks\n5. Don’t know\n"]
[398,"Ability","Understanding money management","CYP know where to get good advice and information on money management","Young people know how, where and when to seek advice about their current and future financial circumstances (11-14)","If you needed advice about money, who would you ask?\n\nMULTI\n\nI do not ask for advice about money (SC)\nMy parents or carers\nMy friends\nMy teachers\nOther family members\nOther adults\nOnline (for example - Youtube, Money Saving Expert)\nA bank, building society or other financial organisation\nTV programmes\nDon't know (SC)","N","CYP fincap",null,null," YP16: If you needed advice about money, who would you ask?\n\nMULTI\n\nI do not ask for advice about money (SC)\nMy parents or carers\nMy friends\nMy teachers\nOther family members\nOther adults\nOnline (for example - Youtube, Money Saving Expert)\nA bank, building society or other financial organisation\nTV programmes\nDon't know (SC)\n\nYP16a: And who would be the most useful?\n\nSINGLE\n\nMy parents or carers\nMy friends\nMy teachers\nOther family members\nOther adults\nOnline (for example - Youtube, Money Saving Expert)\nA bank, building society or other financial organisation\nTV programmes\nDon't know\nNone of them would give useful advice"]
[399,"Ability","Understanding money management","CYP know where to get good advice and information on money management","Young people know how, where and when to seek advice about their current and future financial circumstances (11-14)","And who would be the most useful?\n\nSINGLE\n\nMy parents or carers\nMy friends\nMy teachers\nOther family members\nOther adults\nOnline (for example - Youtube, Money Saving Expert)\nA bank, building society or other financial organisation\nTV programmes\nDon't know\nNone of them would give useful advice","N","CYP fincap"]
[400,"Ability","Understanding the role of money in society","CYP understand the different sources of money","Young people understand that being financially independent and having their own source of income is an important part of being an adult (7-11, 11-14)","How important is it to you ... \n\n… to get a job when you finish education? \n… to not need  your parents' money when you are an adult (to be independant)? \n\n1. Very important\n2. Fairly important \n3. Not really important\n4. Not at all important \n","N","Natcen",null,null,"NQ99b: To what extent do you agree or disagree with the following\n\nHaving a job is the best way to be an independent person (14+)\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know"]
[401,"Ability","Understanding the role of money in society","CYP understand the different sources of money","Young people understand that the choices they make around education and work will affect the amount of money they have in adulthood (7-11, 11-14)","Which of these statements is true?\n                                                                                                   \n1. Young people who do well at school will find it easier to get well-paid jobs when they grow up\n2. It doesn't matter how well you do at school, you will find a well-paid job if you look hard","N","TNS/Natcen",null,"Y"]
[402,"Ability","Understanding the role of money in society","CYP understand the different sources of money","Young people understand that different education & training options (eg. going to university or doing an apprenticeship) have different financial implications in both the short and longer term (11-14)","Which of these statements is true?\n                                                                                                   \n1. Young people who do well at school will find it easier to get well-paid jobs when they grow up\n2. It doesn't matter how well you do at school, you will find a well-paid job if you look hard","N","TNS/Natcen",null,null,"none","may need new question to encompass short term situation and long term situation\ne.g. True/Flase questions\n\nIf you get a job when you are 18, you are likely to have more money than if you go to university at 18\nIf you go to university, you may be able to get a job afterwards that pays more than if you didn't go to university\nYou may be paid less while doing an apprenticeship than while doing a job "]
[403,"Ability","Understanding the role of money in society","CYP understand the different sources of money","Young people understand the role of the welfare system, including that benefit payments exist for people when they are unwell or unemployed and looking for work","Please indicate whether the following statements are true or false?\n\n\n1. The welfare system exists to support everyone in society\n2.  It's possible to receive money from the government if you choose not to work\n3. The welfare system only supports children and older people\n4. People who are unemployed and looking for work are entitled to benefit payments\n5. You can only receive benefit payments if you've paid taxes in the past\n6. The welfare system will give you money whenever you feel ill\n7. People can claim benefits payments if they are too unwell to work\n\nTrue\nFalse\nDon't know","N","TNS",null,null,"none\n\n(ASKED ALL 7-11):\nC3 Fred will need more money so he can buy the things he will need to live here. What would be the best way for him to make sure he gets the money he needs to live here? Select all that apply \n1. Get good grades in exams\n2. Get a job\n3. Borrow from other people\n4. Go to the supermarket\n5. Hope to be given some\n6. Go to a cash machine\n7. Apply for help from the people in charge\n8. Don’t know\n"]
[404,"Ability","Understanding the role of money in society","CYP understand that companies exist to make money","Young people understand the different ways that companies try to influence their spending, including through advertising, marketing, product placement and celebrity endorsements (11-14)","Now a little quiz:\nCompanies use lots of different ways to get people to spend money on their goods and services. Can you match some of these ways to their names? \n\n1. Advertising\n2. Marketing\n3. Product placement\n4. Celebrity endorsements\n\n\n- Placing images and examples of a product where lots of people can see it (e.g. on TV, in magazines or on social media)\n- The process of transferring goods and services from the seller to the buyer\n- Promoting goods and services through films, television or social media (e.g. someone using a certain type of smart phone in a film)\n- Paying someone famous to put their name and face to goods and services and help to sell them\n\n(if online) Drag & drop\n(if on paper) Draw a line between description and name","N","TNS (Barclays Money Skills)","(if online) Drag & drop\n(if on paper) Draw a line between description and name",null,"none - alien Q\n\nASK ALL 7-17 YEAR OLDS: RBC\nCYP9 Here are some things that people have said about money. Please indicate how strongly you agree or disagree with them (5 point scale)\nROTATE STATEMENTS\nSelect one for each row\nA. My parents don’t buy things if they think they can’t afford them (11-17 only)\nB. My parents discuss with me what we can and can’t afford to buy (11-17 only)\nC. It upsets me when my parents say I cannot have things I see on TV or Adverts\nD. It upsets me when friends have things I don’t have\nE. Adverts try to get us to spend money on things\n"]
[405,"Ability","Understanding the role of money in society","CYP understand how taxes are collected and what they are used for","Young people understand that National Insurance and Income Tax is deducted from the money people earn to pay for public services (11-14)","Tax is money that the Government takes from the money that people earn. What is tax for?\n\nTo pay for things like hospitals and roads\nTo make sure people don't earn too much\nTo pay for lottery prizes\nTo pay for police and schools\nTo pay for supermarkets\n","N","MAS new",null,null,"YP18:  Can you pick the word that best fits the description?\n\nThe amount the price of things in shops goes up by\n\nThe money that is added to savings by banks or building soceties\n\nThe money people pay to  government\n\nThe amount you get when you retire from working\n\nThe amount of money you have in your bank account\n\nInterest\nPension\nInflation\nBalance\nTax\nBenefit\nCredit\nDebit\nDon't know"]
[406,"Ability","Understanding the role of money in society","CYP understand how taxes are collected and what they are used for","Young people understand that National Insurance and Income Tax is deducted from the money people earn to pay for public services (11-14)","The amount of money people take home from their job is less  than they actually earn. Which of the following best describes why this is?\n\n1.  National insurance and income tax\n2.  Income tax, property tax and private medical insurance contributions\n3.  National insurance, share options in a business, VAT (value added tax )\n4. National insurance, income tax and student loan repayments","N","Natcen (2008 Survey of Personal Financial  Literacy Among High School and College Students - revised for UK)"]
[407,"Ability","Understanding the role of money in society","CYP understand how taxes are collected and what they are used for","Young people understand that people have a tax free allowance and don't pay Income Tax on a portion of what they earn (11-14)","Do adults always have to pay tax on the income they earn?\n1. Yes\n2. No\n3. Don’t know\n\n\nThe first part of the money your earn is tax free. \n1. True \n2. False \n\nIf the income you make from all sources is under £11, 000 do you have to pay Income Tax on it?\n1. Yes\n2. No\n3. Don’t know\n","N","Natcen; HE survey","Will need updating in 2017",null,"none"]
[408,"Ability","Understanding the role of money in society","CYP understand how taxes are collected and what they are used for","Young people understand that people have a tax free allowance and don't pay Income Tax on a portion of what they earn (11-14)","Here are some examples of sources on income. On which ones do people have to pay tax? Select all that apply\n1. Wages/salary from work\n2. Tips or bonuses from work\n3. Interest on savings in an ISA\n4. All of these\n5. Don’t know","N","Natcen"]
[409,"Ability","Understanding values and emotions around money","CYP understand their own values and feelings around money",null,null,"N","Indicators removed across all age groups in line with adult f/w, as research needed to determine what this looks like"]
[410,"Ability","Basic skills","CYP have good literacy skills","Young people perform at age appropriate levels in standardised literacy tests","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)","N",null,null,null,"none"]
[411,"Ability","Basic skills","CYP have good numeracy skills","Young people perform at age appropriate levels in standardised numeracy tests","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)","N",null,null,null,"none"]
[412,"Ability","Basic skills","CYP have good problem solving skills","Young people can identify and understand a problem","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)","N",null,null,null,"none"]
[413,"Ability","Basic skills","CYP have good problem solving skills","Young people can plan ways to solve a problem","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)","N",null,null,null,"none"]
[414,"Ability","Basic skills","CYP have good problem solving skills","Young people can monitor progress in tackling a problem","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)","N",null,null,null,"none"]
[415,"Ability","Basic skills","CYP have good problem solving skills","Young people can review solutions to problems and modify them if necessary","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)","N",null,null,null,"none",null,"Here are some statements made by other people about their family finances. Please indicate how strongly you agree or disagree with each. 'My parents often say they are worried about money' (Strongly agree / tend to agree / tend to disagreee / strongly disagree / DK)       "]
[416,"Ability","Other","Wellbeing",null,"To what extent do you agree with the following\n\nThinking about money makes me anxious\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know","N","CYP fincap",null,null,"NQ99b: To what extent do you agree with the following\n\nThinking about money makes me anxious\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know",null,"On a scale of 0-10 where 0 is not at all anxious and 10 is completely anxious, overall, how anxious did you feel yesterday?  (0-10)"]

{"sheet":"16-18 years","index":19,"n_rows":119,"n_cols":16,"rows_kept":119,"cut":false,"hidden":false,"merged":[[62,14,65,14],[66,8,67,8],[66,14,67,14]]}
["Fincap cyp outcomes framework: age 16 - 18 indicators"]
[]
[]
["No.","Area","Top Tier Outcome","Lower level outcomes","Indicators","Final Measurement tool","Picture Question","Source/ whether tested",null,"Notes","In CYP fincap survey?","CYP survey question","Join Sam question","FKY question","BN recommended Question","Mirroring"]
[417,"Financially capable behaviour",null,"CYP have their own regular source of money","Young people receive a regular income (eg. an allowance from their family or from a job) (14-16)","Where do you get your money from? \nMULTI\n1. I do not get any money from my parents or other people – SC\n2. Pocket money or allowance from my parents or carers\n3. From my parents or carers as a reward for doing something\n4. Pocket money from other members of my family \n5. Birthdays, Christmas or special occasions\n6. From work or a part-time job such as delivering papers\n7. Through selling things online or somewhere else\n8. Benefits payments\n9. Other (Please write in)\n\nASK ALL WITH POCKET MONEY (CODES 2 and 4 above): \nDo you receive the same amount of pocket money/allowance each week/month? \n1. Yes, the same\n2. No, it varies\n3. Don’t know","N","CYP fincap","1) From which, if any, of the following sources do you get money? MULTICODE: From my parents/guardians as pocket money/allowance / From my parents/guardians in return for doing jobs / From other members of my family / From work or a part-time job / From a bank, savings account or trust in my name / Through selling items or digital content online / Benefits payments / Other specify / I do not get money from my parents or other sources.  2) If code 1: You said before that you receive pocket money allowance from your parents/guardians, is this money given to you on a regular basis or is there no set timing? I receive a fixed amount on a weekly / monthly basis /  I receive it regularly but less frequently than once a month / I don't receive it regularly, there is no set timing / DK","This question needs to be asked first in all questionnaires as a filter for a number of other questions","Y","ASK ALL 7-17 year olds: \nCYP2 Where do you get your money from? \nMULTI\n1. I do not get any money from my parents or other people – SC\n2. Pocket money or allowance from my parents or carers\n3. From my parents or carers as a reward for doing something\n4. Pocket money from other members of my family \n5. Birthdays, Christmas or special occasions\n6. From work or a part-time job such as delivering papers\n7. Through selling things online or somewhere else\n8. Benefits payments\n9. Other (Please write in)\n\nASK ALL 7-17 YEAR OLDS WITH POCKET MONEY (CODES 2-8 at CYP2): \nCYP3 Do you receive the same amount of pocket money/allowance each week/month? \n1. Yes, the same\n2. No, it varies\n3. Don’t know\n"]
[418,"Financially capable behaviour","Managing your money well day-to-day",null,"Young people keep information about their current and savings accounts safe (7-11, 11-14, 14-16)","A bank account is somewhere people can keep their money rather than keeping it at home. Credit union and building society accounts are like bank accounts, if you have a credit union or building society account you should answer yes to this question. Do you have a bank account of your own?\n\nSC\n1. Yes\n2. No\n3. I don’t know if I have one\n\nIF HAVE A BANK ACCOUNT:\nDo you have any of the following wth your bank account? Pick all that apply\nPlastic card\nPIN (number)\nBank book\nAbility to access your account online\nNone of these\n\nIF HAVE A BANK BOOK OR CARD\nWhere do you keep your bank card or bank book? You can pick more than one answer.\nIn my purse/wallet\nMy parents keep it\nIn a safe place at home\nSomewhere else\nI don't have a special place where I keep this/these items\n\nIF HAVE A PIN NUMBER\nDo you keep your PIN number written down so you remember it?  You can pick all that apply\nYes, in my purse/wallet\nYes, at home\nYes, stored on a computer, tablet or phone\nNo, I just remember it in my head \nI don't use my PIN number/I have forgotten it\n\nIF HAVE AN ONLINE ACCOUNT\nDo you keep your online bank account login details written down so you remember them? You can pick all that apply\nYes, in my purse/wallet\nYes, at home\nYes, stored on a computer, tablet or phone\nNo, I just remember it in my head \nI don't use my online bank account/I have forgotten how to log in","N","TNS",null,null,null,"ASK ALL 7-17 YEAR OLDS:\nNQ4: A bank account is somewhere people can keep their money rather than keeping it at home. Credit union and building society accounts are like bank accounts, if you have a credit union or building society account you should answer yes to this question. Do you have a bank account of your own?\n\nSC\n1. Yes\n2. No\n3. I don’t know if I have one\n\n\nASK ALL 7-17 YEAR OLDS WITH MONEY (CODES 2-8 at CYP2): \nCYP4 (IF HAVE BANK ACCOUNT INSERT [“Apart from in your bank account(s)”] Where do you keep your money?\nMC\n1. Purse or wallet\n2. Piggy bank or cash box at home\n3. My parent/carer looks after it for me\n4. Nowhere in particular (SC)\n5. Somewhere else\n6. Don’t know (SC)\n\n\nASK ALL 8 to 17 YEAR OLDS WITH A BANK ACCOUNT:\nPP19 Which of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)"]
[419,"Financially capable behaviour","Managing your money well day-to-day",null,"Young people have money saved up (5-7, 7-11, 11-14)","Do you know how much money you have in total? (IF HAVE BANK ACCOUNT INSERT [“including in your bank”])\nSC\n1. No \n2. Yes, roughly\n3. Yes exactly\n\n\nASK ALL WITH MONEY (CODES 2-6 at frist question):  \nWhen you get money, how often do you save at least some of it, [say by putting it in a cash box or into your bank account]?\nSELECT ONE ONLY\n1. Every time I get money\n2. Most times I get money\n3. Sometimes\n4. Never\n5. Don’t know","N","CYP fincap",null,null,"Y","ASK ALL 7-17 YEAR OLDS WITH MONEY (CODES 2-8 at CYP2): \nCYP5 Do you know how much money you have in total? (IF HAVE BANK ACCOUNT INSERT [“including in your bank”])\nSC\n1. No \n2. Yes, roughly\n3. Yes exactly\n\n\nASK ALL 7-17 YEAR OLDS WITH MONEY (CODES 1-7 at CYP2):  \nYP3 When you get money, how often do you save at least some of it, [say by putting it in a piggy bank or cash box or into your bank account]?\nSELECT ONE ONLY\n1. Every time I get money\n2. Most times I get money\n3. Sometimes\n4. Never\n5. Don’t know"]
[420,"Financially capable behaviour","Managing your money well day-to-day",null,"Young people know how much money they have (inluding savings) and keep track of their spending, including by checking bank statements / online banking  (7-11, 11-14, 14-16)","ASK ALL WITH MONEY (CODES 2-6 at first question): \nDo you know how much money you have in total? (IF HAVE BANK ACCOUNT, including in your bank)\n1. No \n2. Yes, roughly\n3. Yes exactly\n\nWhich of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)\n\n\n\nHow do you keep track of the money you get and the money you spend?\nMULTI\n\nOnline budgeting tool\nOnline bank account\nSpreadsheet\nPiece of paper\nIn my head (mentally)\nChecking my bank balance at a cash machine\nReviewing my bank statements\nOn a mobile app\nI don't keep track\nDon't know","N","CYP fincap","Part 1) Do you keep track of income and spending? Yes / No / DK   (Part 2) How do you keep track of income and spending? MULTICODE: Online budgeting tool / Spreadsheet / In my head (mentally) / On paper / Checking my bank balance / Reviewing my bank statements / DK","needs filter","Y","\nASK ALL 8 to 17 YEAR OLDS WITH A BANK ACCOUNT:\nPP19 Which of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)\n\nASK ALL 7-17 YEAR OLDS WITH MONEY (CODES 1-7 at CYP2): \nCYP5 Do you know how much money you have in total? (IF HAVE BANK ACCOUNT, including in your bank)\n1. No \n2. Yes, roughly\n3. Yes exactly\n\nYP8a: How do you keep track of the money you get and the money you spend?\nMULTI\n\nOnline budgeting tool\nOnline bank account\nSpreadsheet\nPiece of paper\nIn my head (mentally)\nChecking my bank balance at a cash machine\nReviewing my bank statements\nOn a mobile app\nI don't keep track\nDon't know"]
[421,"Financially capable behaviour","Managing your money well day-to-day",null,"Young people set themselves a budget that's appropriate and realistic for their circumstances and stick to it","Do you ever make a plan on how you will spend and save your money? For example by setting yourself a budget.\nCHOOSE ONE ONLY\n1. Yes\n2. No\n\n{If yes}\nAnd, how often do you keep to your plan or budget?\nCHOOSE ONE ONLY\nNever\nRarely\nSometimes\nOften\nDon't know","N","Natcen (CitA)",null,null,"Y","NQ5: How often do you plan how you are going to pay for things you need?\n\nSINGLE\n\nNever\nRarely\nSometimes\nOften\nAlways\nDon't know"]
[422,"Financially capable behaviour","Managing your money well day-to-day",null,"Young people make complex choices about how to spend their money that are based on their needs and on value for money (11-14, 14-16)","When you want to buy something for yourself, how often... \nNever\nRarely\nSometimes\nOften\nDon't know\n\n...  do you think about whether your friends would approve of the item?\n...  do think about how much money you will have left to spend on other things?\n...  do think about how attractive or cool the item is?\n...  do think about how long the item will last?\n...  do think about whether the item is good value for money?\n... do you think about whether you should save your money for another day?","N","Natcen",null,"Add to other questions with same opening statement if present in your questionnaire","Y","ASK ALL 7-17 YEAR OLDS WITH MONEY:\nCYP8a When you have money, who usually decides whether you save any of it? \nMy parents or carers decide\nI decide\nWe both decide\nDon’t know\n\nCYP8b: When you have money, who usually decided what you spend it on?\nSINGLE\n\nMy parents or carers decide\nI decide\nWe both decide\nDon't know\n\n\nASK ALL 7-17 YEAR OLDS WITH MONEY (CODES 1-7 at CYP2):  \nYP3 When you get money,  how often do you save at least some of it, [say by putting it in a piggy bank or cash box or into your bank account]?\nSELECT ONE ONLY\n1. Every time I get money\n2. Most times I get money\n3. Sometimes\n4. Never\n5. Don’t know \n\nYP3b: [You said that you save some money every time/most times/some of the time you get money.] How often do you spend that oney on things you want? (7-17)\nSC\n\nEvery time I get money\nMost times I get money\nSometimes\nNever\nDon't know\n\nYP99: When you want to buy something for yourself, how often…\n\n…do you look in different places or stores to compare prices?\n\n…do you think about whether your friends would approve of the item?\n\n…do you think about whether the item is good value for money?\n\nNever\nRarely\nSometimes\nOften\nDon' know","(Join Sam questions) 6. A new toy or game you really want has just been released. It costs £35 and you don't have enough money to buy it. Do you: (Please choose one answer)\n\nNag your parents to buy it for you?\nDo some extra chores to earn the money needed to buy it?\nSave your pocket money until you can afford it?\nDecide not to buy it?\nFind another way of getting £35?"]
[423,"Financially capable behaviour","Managing your money well day-to-day",null,"Young people shop around to get the best deal for things that they need (7-11, 11-14, 14-16)","When you want to buy something for yourself, how often... do  you look in different places or stores to compare prices?\nNever\nRarely\nSometimes\nOften\nDon't know","N","Natcen",null,"Add to other questions with same opening statement if present in your questionnaire","Y","YP99: When you want to buy something for yourself, how often…\n\n…do you look in different places or stores to compare prices?\n\n…do you think about whether your friends would approve of the item?\n\n…do you think about whether the item is good value for money?\n\nNever\nRarely\nSometimes\nOften\nDon' know"]
[424,"Financially capable behaviour","Managing your money well day-to-day",null,"Young people save up for bigger things they want to buy (eg a holiday or a car) and can save over a longer time period (at least a year) (14-16)","What is the longest time you have saved up for? (for example to buy something you wanted)\nSC\n1. I haven’t saved up money before\n2. Less than a week\n3. More than a week but less than month\n4. More than a month but less than a year\n5. More than a year\n6. Don’t know\n","N","CYP fincap","Do you save some money every month? By saving I mean putting some money aside in anything from a money box to a bank or savings account. (Yes / No)",null,"Y","ASK ALL AGED 7-17 \nCYP6.  What is the longest time you have saved up for? (for example to buy something you wanted)\nSC\n1. I haven’t saved up money before\n2. Less than a week\n3. More than a week but less than month\n4. More than a month but less than a year\n5. More than a year\n6. Don’t know\n\n"]
[425,"Financially capable behaviour","Managing your money well day-to-day",null,"Young people talk about money with friends and family openly (5-7, 7-11, 11-14, 14-16)","Do you talk about your money with any of the following people?\n\nMULTI\n\nI never talk about money (SC)\nFriends\nParents or carers\nTeachers\nMy brothers and sisters\nGrandparents or other family members\nDon't know (SC)","N","CYP fincap",null,null,"Y","CYP17:  Do you talk about your money with any of the following people?\n\nMULTI\n\nI never talk about money (SC)\nFriends\nParents or carers\nTeachers\nMy brothers and sisters\nGrandparents or other family members\nDon't know (SC)"]
[426,"Financially capable behaviour","Managing your money well day-to-day",null,"Young people claim any benefits to which they are entitled","When did you last do each of the following things?:\n- Checked whether you are receiving all the benefits, tax credits or pension that you are entitled to\n- Applied for new or additional benefits that you are entitled to\n- Increased or tried to increase your income in some other way (e.g. applied for a job, claimed grants)\nCHOOSE ONE FOR EACH\n1. Within the last month\n2. Between one and three months ago\n3. Between three and six months ago\n4. Between six and one year ago\n5. Between one and five years ago\n6. More than five years ago\n7. Never (SINGLE CODE ONLY)\n8. Not applicable - don't have or need this (SINGLE CODE ONLY)","N","Adult f/w",null,null,"Y","When did you last do each of the following things?:\n- Checked whether you are receiving all the benefits, tax credits or pension that you are entitled to\n- Applied for new or additional benefits that you are entitled to\n- Increased or tried to increase your income in some other way (e.g. applied for a job, claimed grants)\nCHOOSE ONE FOR EACH\n1. Within the last month\n2. Between one and three months ago\n3. Between three and six months ago\n4. Between six and one year ago\n5. Between one and five years ago\n6. More than five years ago\n7. Never (SINGLE CODE ONLY)\n8. Not applicable - don't have or need this (SINGLE CODE ONLY)"]
[427,"Financially capable behaviour","Preparing for and managing life events",null,"Young people have appropriate insurance","Which, if any, of the following types of insurance do you have? \nCHOOSE ALL THAT APPLY\n1.  Home insurance (covering contents and/or the building)\n2. Insurance for specific items (e.g. mobile phone)\n3. Anther type of insurance\n4. None of these (SINGLE CODE ONLY)","N","Adult f/w",null,null,null,"Which, if any, of the following types of insurance do you have? \nCHOOSE ALL THAT APPLY\n1.  Home insurance (covering contents and/or the building)\n2. Insurance for specific items (e.g. mobile phone)\n3. Anther type of insurance\n4. None of these (SINGLE CODE ONLY)"]
[428,"Connection","Access to and use of financial products and advice","CYP have access to their own financial products from a young age","Young people have access to their own current account (at a bank, building society, credit union, etc.) (7-11, 11-14, 14-16)","A bank account is somewhere people can keep their money rather than keeping it at home. Credit union and building society accounts are like bank accounts, if you have a credit union or building society account you should answer yes to this question. Do you have a bank account of your own?\n\nSC\n1. Yes\n2. No\n3. I don’t know if I have one\n\nASK ALL WITH A BANK/BS ACCOUNT (CODE 1 above): \nDo you know what type of bank account you have? Is it a….\nSINGLE CODE\n1. Current account\n2. Savings account\n3. I have both a current and a savings account\n4. I don’t know what type of bank account I have","N","CYP fincap","Which of the following do you have? A savings account in my name / A current account in my own name / A credit union account in my name / None of the above",null,"Y","NQ4: A bank account is somewhere people can keep their money rather than keeping it at home. Credit union and building society accounts are like bank accounts, if you have a credit union or building society account you should answer yes to this question. Do you have a bank account of your own?\n\nSC\n1. Yes\n2. No\n3. I don’t know if I have one\n\nASK ALL 8-17 YEAR OLDS WITH A BANK/BS ACCOUNT (CODE 1 at NQ4): \nYP2 Do you know what type of bank account you have? Is it a….\nSINGLE CODE\n1. Current account\n2. Savings account\n3. I have both a current and a savings account\n4. I don’t know what type of bank account I have"]
[429,"Connection","Access to and use of financial products and advice","CYP have access to their own financial products from a young age","Young people have access to and use a debit card linked to their current account (11-14, 14-16)","ASK ALL WITH A BANK ACCOUNT:\nWhich of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)\n","N","CYP fincap","c.f. row 89",null,"Y","ASK ALL 8 to 17 YEAR OLDS WITH A BANK ACCOUNT:\nPP19 Which of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)\n"]
[430,"Connection","Access to and use of financial products and advice","CYP have access to their own financial products from a young age","Young people have access to and manage their own savings account (at a bank, building society, credit union etc) (7-11, 11-14, 14-16)","A bank account is somewhere people can keep their money rather than keeping it at home. Credit union and building society accounts are like bank accounts, if you have a credit union or building society account you should answer yes to this question. Do you have a bank account of your own?\n\nSC\n1. Yes\n2. No\n3. I don’t know if I have one\n\nASK ALL WITH A BANK/BS ACCOUNT (CODE 1 above): \nDo you know what type of bank account you have? Is it a….\nSINGLE CODE\n1. Current account\n2. Savings account\n3. I have both a current and a savings account\n4. I don’t know what type of bank account I have","N","CYP fincap","How or where do you save money? MULTICODE: In a savings account (eg from a bank, building society or post office) / In a ISA / In a cash or money box / In a credit union account / Premium bond",null,"Y","NQ4: A bank account is somewhere people can keep their money rather than keeping it at home. Credit union and building society accounts are like bank accounts, if you have a credit union or building society account you should answer yes to this question. Do you have a bank account of your own?\n\nSC\n1. Yes\n2. No\n3. I don’t know if I have one\n\nASK ALL 8-17 YEAR OLDS WITH A BANK/BS ACCOUNT (CODE 1 at NQ4): \nYP2 Do you know what type of bank account you have? Is it a….\nSINGLE CODE\n1. Current account\n2. Savings account\n3. I have both a current and a savings account\n4. I don’t know what type of bank account I have"]
[431,"Connection","Access to and use of financial products and advice","CYP have access to their own financial products from a young age","Young people have the physical ability to access appropriate financial products which meet their needs via appropriate channels","How easy or difficult is it for you to do each of the folllowing things?\nCHOOSE ONE ONLY FOR EACH\n- Get to a Post Office using your normal forms of transport\n- Get to a Cash point using your normal forms of transport\n- Get to a Bank, building society or credit union using your normal forms of transport\n- Receive confidential financial documents by post, such as a payment card or chequebook\n\n1.Very easy\n2.Quite easy\n3.Quite difficult\n4.Very difficult\n5.Unable to go\n6.Do not wish to go","N","Adult f/w",null,null,null,"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"]
[432,"Connection","Access to and use of financial products and advice","CYP have access to their own financial products from a young age","Young people have the technical ability to access appropriate financial products which meet their needs via appropriate channels","In which of the following ways, if any, can or do you use the internet when you need to access information about money or your finances?\nCHOOSE ALL THAT APPLY\n1. At home, using a computer or laptop\n2. At home, using a mobile phone, tablet or internet-enabled TV\n3. At work, college or at a friend or relative's home\n4. In a library, community centre or other public setting\n5. Somewhere else\n6. Do not use the internet","N","Adult f/w",null,null,null,"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"]
[433,"Connection","Access to and use of financial products and advice","CYP are given experience of choosing their own financial products","Young people choose and set up their own current and savings accounts or have been involved in the decision-making","How involved are you in the following decisions about your money? \n(Fully involved / Partly involved / Not at all involved)\n\nChoosing my bank or savings account","N","old CYP fincap",null,null,"Y","old question no longer in survey\n\n\nASK ALL 7-17 YEAR OLDS WITH MONEY: COG?\nCYP8 How involved are you in the following decisions about your money? \n(Fully involved / Partly involved / Not at all involved)\nA. Deciding whether to spend or save my money\nB. Deciding how to spend my money\nC. Choosing my bank or savings account"]
[434,"Connection","Access to and use of financial products and advice","CYP are given experience of choosing their own financial products","Young people choose and set up their own mobile phone provider and package (if they own a mobile phone)","Do you get to have a choice in?\n \nThe cost of your mobile phone call and data package \n\n1. Yes\n2. No\n3. Don't know\n4. I don’t have a mobile phone\n\n\n","N","CYP fincap",null,"Add to other questions with same opening statement if present in your questionnaire","Y","ASK ALL 7– 17 YEAR OLDS: \nCYP1.  Do you get to have a choice in?\n \n1. Family days out or holidays \n2. What to buy in the family food shop\n3. The cost of your mobile phone call and data package \n\n1. Yes\n2. No\n3. Don't know\n4. I don’t have a mobile phone [ROW 3 ONLY]"]
[435,"Connection","Access to and use of financial products and advice","CYP receive advice and guidance about money as well as wider life goals","Young people receive money advice and guidance from their family, teachers and other appropriate sources around money (11-14, 14-16)","How often do your parents or carers teach you about  money and spending?\nNever\nRarely\nSometimes\nOften\nDon't know\n\nHow often do your teachers teach you about  money and spending?\nNever\nRarely\nSometimes\nOften\nDon't know","N","Natcen",null,null,"Y","(11-18, ?7-11) YP19. If you needed advice about money, who would you ask?\n\nPlease select all that apply.\n\nMULTICODE ALLOWED\n\nMy parents\nMy friends\nMy teachers\nOther family members (write in)\nInternet site (write in)\nA bank, building society or other financial organisation\nTV programmes (write in)\nOther (write in)\nI do not ask for advice about money\n\nCYP18: Have you learnt about how to manage your money in school or college?\n(SINGLE)\n\nYes\nNo\nNot sure or don't remember\n\nCYP18a: Which subjects did you learn how to manage your money in?\nMULTI\n\nMaths\nPSHE\nCitizenship\nBusiness & Finance\nEnterprise\nOther (please specify)\nDon't know"]
[436,"Connection","Access to and use of financial products and advice","CYP receive advice and guidance about money as well as wider life goals","Young people receive money advice and guidance from their family, teachers and other appropriate sources around money (11-14, 14-16)","If you needed advice about money, who would you ask?\n\nPlease select all that apply.\n\nMULTICODE ALLOWED\n\nMy parents\nMy friends\nMy teachers\nOther family members (write in)\nInternet site (write in)\nA bank, building society or other financial organisation\nTV programmes (write in)\nOther (write in)\nI do not ask for advice about money\n\nHave you learnt about how to manage your money in school or college?\n(SINGLE)\n\nYes\nNo\nNot sure or don't remember\n\nWhich subjects did you learn how to manage your money in?\nMULTI\n\nMaths\nPSHE\nCitizenship\nBusiness & Finance\nEnterprise\nOther (please specify)\nDon't know","N","CYP fincap"]
[437,"Connection","Access to and use of financial products and advice","CYP receive advice and guidance about money as well as wider life goals","Young people receive advice and guidance from their family, teachers and other appropriate sources on their education and career options (11-14, 14-16)","How confident are you that you know who to turn to for advice about education and careers?\n1. Very confident\n2. Fairly confident\n3. Not very confident\n4. Not at all confident\n\n\nWhich of the following people have given you advice about your education and career options. Select all that apply:\n1. Parents\n2. Siblings\n3. Other family members\n4. Friends\n5. A careers adviser or careers teacher at school\n6. Other teachers at school\n7. A Connexions personal adviser\n8. Someone else at Connexions\n9. Someone else (Please specify______)","N","Natcen; LSYPE",null,null,null,"(11-18, ?7-11) YP19. If you needed advice about money, who would you ask?\n\nPlease select all that apply.\n\nMULTICODE ALLOWED\n\nMy parents\nMy friends\nMy teachers\nOther family members (write in)\nInternet site (write in)\nA bank, building society or other financial organisation\nTV programmes (write in)\nOther (write in)\nI do not ask for advice about money\n\n\nCYP18: Have you learnt about how to manage your money in school or college?\n(SINGLE)\n\nYes\nNo\nNot sure or don't remember\n\nCYP18a: Which subjects did you learn how to manage your money in?\nMULTI\n\nMaths\nPSHE\nCitizenship\nBusiness & Finance\nEnterprise\nOther (please specify)\nDon't know"]
[438,"Connection","Access to and use of financial products and advice","CYP receive advice and guidance about money as well as wider life goals","Young people know where to go for advice and guidance on finance options to fund further education (14-16)","If you needed advice and information about the different options for paying for education in the future where would you go?\nPlease select all that apply.\n\n1. My parents\n2. My friends\n3. Other family members (write in)\n4. My teachers/my school or college\n5. Internet site (write in)\n6. A bank, building society or other financial organisation\n7. TV programmes (write in)\n8. Other (write in)\n9. I haven't thought about this yet\n10. I don't need this kind of advice or information",null,"TNS",null,null,null,"none"]
[439,"Connection","Access to and use of financial products and advice","CYP receive advice and guidance about money as well as wider life goals","Young people have the physical ability to access financial advice, guidance and tools which meet their needs in a form and language they can understand, and channel they can use effectively","How easy or difficult is it for you to do each of the following things?\nCHOOSE ONE ONLY FOR EACH\n-Get to a Citizens Advice Bureau or other advice agency using your normal forms of transport\n-Get to a Jobcentre Plus or local benefit office using your normal forms of transport\n-Use a telephone in private to discuss financial matters\n-Receive confidential financial information by post\n\n1.Very easy\n2.Quite easy\n3.Quite difficult\n4.Very difficult\n5.Unable to go\n6.Do not wish to go",null,"Adult f/w",null,null,null,"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"]
[440,"Connection","Access to and use of financial products and advice","CYP receive advice and guidance about money as well as wider life goals","Young people have the technical ability to access financial advice, guidance and tools which meet their needs in a form and language they can understand, and channel they can use effectively","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","Adult f/w",null,null,null,"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"]
[441,"Connection","Exposure to family finances","CYP witness financial transactions and processes","Young people are aware of the range of regular household bills to be paid (e.g. rent/mortgage, gas, electricity, council tax) (14-16)","Null","N","CYP fincap",null,null,"Y","YP28: Which of the following things do most adults pay for, and which do most adults get for free?\n\nRent or mortgage\nElectricity or gas at home\nWater at home\nVisits to a GP or hospital\nCouncil tax\nInternet at home\nBorrowing a library book\n\nPay for\nGet for free\nDon't know"]
[442,"Connection","Exposure to family finances","CYP are involved in discussions and decisions about household spending","Young people are involved when everyday household spending decisions are being taken (eg. about the weekly shop) and trade-offs are being made (5-7, 7-11, 11-14, 14-16)","Do you get to have a choice in?\n \nFamily days out or holidays \nWhat to buy in the family food shop\n\n1. Yes\n2. No\n3. Don't know\n\n\n","N","CYP fincap","Here are some statements made by other people about their family finances. Please indicate how strongly you agree or disagree with each. 'My parents discuss with me what we can and can't afford to buy' (Strongly agree / tend to agree / tend to disagreee / strongly disagree / DK)       ","Add to other questions with same opening statement if present in your questionnaire","Y","ASK ALL 7– 17 YEAR OLDS: \nCYP1.  Do you get to have a choice in?\n \n1. Family days out or holidays \n2. What to buy in the family food shop\n3. The cost of your mobile phone call and data package \n\n1. Yes\n2. No\n3. Don't know\n4. I don’t have a mobile phone [ROW 3 ONLY]\n\n\nASK ALL 7-17 YEAR OLDS: \nCYP9 Here are some things that people your age have said about money. How strongly do you agree or disagree with them\nROTATE STATEMENTS\nSelect one for each row\nMy parents or carers discuss with me what we can and can’t afford to buy (11-17 only)\nI don't like it when my parents or carers say I cannot have things I see in shops\nI don’t like it when friends have things I don’t have\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know \n",null," "]
[443,"Connection","Exposure to family finances","CYP are involved in discussions and decisions about household spending","Young people are involved when everyday household spending decisions are being taken (eg. about the weekly shop) and trade-offs are being made (5-7, 7-11, 11-14, 14-16)","\nHere are some things that people your age have said about money. How strongly do you agree or disagree with them\nROTATE STATEMENTS\nSelect one for each row\nMy parents or carers discuss with me what we can and can’t afford to buy\nI don't like it when my parents or carers say I cannot have things I see in shops\nI don’t like it when friends have things I don’t have\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know \n","N","CYP fincap"]
[444,"Connection","Experience of managing your own money (and the risks that come with it)","CYP have their own regular source of money","Young people receive a regular income (eg. an allowance from their family or from a job) (14-16)","Where do you get your money from? \nMULTI\n1. I do not get any money from my parents or other people – SC\n2. Pocket money or allowance from my parents or carers\n3. From my parents or carers as a reward for doing something\n4. Pocket money from other members of my family \n5. Birthdays, Christmas or special occasions\n6. From work or a part-time job such as delivering papers\n7. Through selling things online or somewhere else\n8. Benefits payments\n9. Other (Please write in)\n\nASK ALL WITH POCKET MONEY (CODES 2 and 4 above): \nDo you receive the same amount of pocket money/allowance each week/month? \n1. Yes, the same\n2. No, it varies\n3. Don’t know","N","CYP fincap","1) From which, if any, of the following sources do you get money? MULTICODE: From my parents/guardians as pocket money/allowance / From my parents/guardians in return for doing jobs / From other members of my family / From work or a part-time job / From a bank, savings account or trust in my name / Through selling items or digital content online / Benefits payments / Other specify / I do not get money from my parents or other sources.  2) If code 1: You said before that you receive pocket money allowance from your parents/guardians, is this money given to you on a regular basis or is there no set timing? I receive a fixed amount on a weekly / monthly basis /  I receive it regularly but less frequently than once a month / I don't receive it regularly, there is no set timing / DK",null,"Y","ASK ALL 7-17 year olds: \nCYP2 Where do you get your money from? \nMULTI\n1. I do not get any money from my parents or other people – SC\n2. Pocket money or allowance from my parents or carers\n3. From my parents or carers as a reward for doing something\n4. Pocket money from other members of my family \n5. Birthdays, Christmas or special occasions\n6. From work or a part-time job such as delivering papers\n7. Through selling things online or somewhere else\n8. Benefits payments\n9. Other (Please write in)\n\nASK ALL 7-17 YEAR OLDS WITH POCKET MONEY (CODES 2-8 at CYP2): \nCYP3 Do you receive the same amount of pocket money/allowance each week/month? \n1. Yes, the same\n2. No, it varies\n3. Don’t know\n"]
[445,"Connection","Experience of managing your own money (and the risks that come with it)","CYP have responsibility for managing their own money","Young people look after their money themselves (11-14, 14-16)","IF HAVE BANK ACCOUNT:\nCan you take money out of your bank account without your parents' permission? Y/N\n\nDo your parents control the amount of money you take out of your bank account? Y/N\n\nIF DO NOT HAVE BANK ACCOUNT\nCan you spend your own money without your parents' permission? Y/N\n\nDo your parents control the amount of money you spend? Y/N","N","TNS",null,null,"Y","old question no longer in survey\n\n\nASK ALL 7-17 YEAR OLDS WITH MONEY: COG?\nCYP8 How involved are you in the following decisions about your money? \n(Fully involved / Partly involved / Not at all involved)\nA. Deciding whether to spend or save my money\nB. Deciding how to spend my money\nC. Choosing my bank or savings account\n",null," "]
[446,"Connection","Experience of managing your own money (and the risks that come with it)","CYP have responsibility for managing their own money","Young people make their own decisions about  how to spend or save their money  (5-7, 7-11, 11-14, 14-16)","When you have money, who usually decides whether you save any of it? \nSC\n\nMy parents or carers decide \nI decide\nWe both decide\nDon’t know\n\nWhen you have money, who usually decides what you spend it on?\nSC\n \nMy parents or carers decide\nI decide\nWe both decide\nDon’t know","N","CYP fincap","Which of the following are you responsible for paying for with your own money? MULTI-CODE: To buy a one-off thing such as a phone or laptop, games, non essential clothes / Leisure activities (e.g. cinema tickets, days out with friends,after school activities, sports clubs or other sports activities) / For spending for future events (whilst on holiday or to buy Christmas or birthday presents) / Mobile phone bill or top-up / To buy things I need like toiletries, travel to school, school books etc / To pay for other driving lessons, education or training after I finish school / For unknown things that might happen in the future",null,"Y","ASK ALL 7-17 YEAR OLDS WITH MONEY:\nCYP8a When you have money, who usually decides whether you save any of it? \nSC\n\nMy parents or carers decide \nI decide\nWe both decide\nDon’t know\n\nCYP8b When you have money, who usually decides what you spend it on?\nSC\n \nMy parents or carers decide\nI decide\nWe both decide\nDon’t know"]
[447,"Connection","Experience of managing your own money (and the risks that come with it)","CYP have responsibility for managing their own money","Young people are given responsibility for paying for things they need out of their own money eg. mobile phone, travel or toiletries (11-14, 14-16)","Do you have to pay for any of the following things you need out of your money? \nSINGLE PER ROW\n1. Non-school clothes and shoes\n3. Toiletries & cosmetics\n4. Snacks or sweets\n5. Presents for other people \n6. Toys or games or gadgets\n7. Going  out with your friends\n\nNo - my parents pay for this for me\nYes - I sometimes pay for this from my own money\nYes - I mainly pay for this from my own money","N","CYP fincap","If you receive a higher than usual phone bill or an unexpected expense, how would you pay for it? I would pay for it with my savings or income / My parents, guardians or another family member would pay for it / I would borrow money from my family or friends / DK",null,"Y","ASK ALL 11-17 YEAR OLDS: COG\nYP7 Do you have to pay for any of the following things you need out of your money? \nSINGLE PER ROW\n1. Non-school clothes and shoes\n3. Toiletries & cosmetics\n4. Snacks or sweets\n5. Presents for other people \n6. Toys or games or gadgets\n7. Going  out with your friends\n\nNo - my parents pay for this for me\nYes - I sometimes pay for this from my own money\nYes - I mainly pay for this from my own money\n"]
[448,"Connection","Experience of managing your own money (and the risks that come with it)","CYP have experience of paying for goods and activities","Young people pay for things online (where able to) with their own money (such as apps, games or music) without supervision (14-16)","Have you ever bought something online by yourself?\n\nYes\nNo\nDon't know\n\nWhich of the following methods have you used to pay for things online?\n\nCash\nDebit card\nCredit card\nVoucher for an online shop\nOnline account (e.g. Paypal)\nOther (specify)\nI don't know how I paid for things online\nI don't pay for things online","N","MAS new; CYP fincap",null,null,"Y","old question no longer in survey\n\nASK ALL 7-17 YEAR OLDS: COG \nYP5 Which of the following ways do you use to pay for things you want to buy? SELECT ALL THAT APPLY\n1. Cash - notes or coins\n2. Debit card (11+ only)\n3. Pre-paid card\n4. Online account (e.g. Paypal)\n5. Mobile phone\n6. Something else (specify for pilot)\n7.  Other people buy things for me\n8. Don’t know\n","New questions:\n\nHave you ever bought something online by yourself?\n\nYes\nNo\nDon't know\n\n(11-18) YP10. Which of the following methods have you used to pay for things online?\n\nCash\nDebit card\nCredit card\nVoucher for an online shop\nOnline account (e.g. Paypal)\nOther (specify)\nI don't know how I paid for things online\nI don't pay for things online"," "]
[449,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP believe it's important to manage your money well and think carefully about how you spend it","Young people believe it is important to keep track of their money (7-11, 11-14, 14-16)","How important is it to check how much money you have?\n\nVery important\nQuite important\nNot very important\nNot at all important","N","Natcen",null,null,"Y","NQ99b: To what extent do you agree or disagree with the following\n\nIt is important to learn how to manage your money (11+)\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know"]
[450,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP believe it's important to manage your money well and think carefully about how you spend it","Young people believe it is important to think carefully about what they spend their money on  (7-11, 11-14, 14-16)","Imagine you were given £5 to spend on a school trip. Would you plan how to spend the money and then stick to that plan? For example, would you work out how much you want to spend on different things like sweets or presents.\n1. Yes, I would make a plan and stick to it\n2. Yes, I would make a plan but would be unlikely to stick to it\n3. No, I wouldn’t make a plan\n4. Don’t know","N","CYP fincap",null,null,"Y","NCYP10:  Imagine you were given £5 to spend on a school trip. Would you plan how to spend the money and then stick to that plan? For example, would you work out how much you want to spend on different things like sweets or presents.\n1. Yes, I would make a plan and stick to it\n2. Yes, I would make a plan but would be unlikely to stick to it\n3. No, I wouldn’t make a plan\n4. Don’t know"]
[451,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP believe it's important to manage your money well and think carefully about how you spend it","Young people think it's important to shop around for things that they need and look for the best deals in order to make their money go further (7-11, 11-14, 14-16)","Imagine you need to buy a present. What do you do?\n\nGo to the nearest shop and buy the thing you want\nLook around a few different shops to see where it is cheapest\nLook online to find the cheapest price\nSomething else\nDon't know\n","N","MAS new",null,null,"Y",null,"new question\n\nImagine you need to buy a present. What do you do?\n\nGo to the nearest shop and buy the thing you want\nLook around a few different shops to see where it is cheapest\nLook online to find the cheapest price\nSomething else\nDon't know\n"]
[452,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP think it's good to plan for the future and save up for things","Young people prefer to plan for the future rather than live for the day when it comes to their money (14-16)","When it comes to money I prefer to live for today rather than plan for tomorrow' \n\nStrongly agree \nSlightly agree \nNeither agree nor disagree\nSlightly disagree \nStrongly disagree\nDon't know\n","N","fincap","Here are some statements other people have said they do when managing their money. Please indicate how strongly you agree or disagree with each. 'When it comes to money I prefer to live for today rather than plan for the future' (Strongly agree / tend to agree / tend to disagreee / strongly disagree / DK)",null,"Y","ASK ALL 7-17 YEAR OLDS: \nCYP11: Imagine someone gives you £10. How much would you spend and how much would you save for later?   \nSLIDER SCALE – Save £10 to Spend £10 – use £1 increments\n\nASK ALL 7-17 YEAR OLDS: \nCYP12: Imagine someone gives you £100. How much would you spend and how much would you save for later?   \nSLIDER SCALE – Save £100 to Spend £100 – use £1 increments",null," "]
[453,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP think it's good to plan for the future and save up for things","Young people think that saving money for larger purchases is important for them to do (11-14, 14-16)","Imagine you want to buy something expensive. How would you get the money?\n\nI would save some money every week or month for it\n\nI would borrow money from my friends or family\n\nMy parents or guardian would pay for it\n\nSomeone else in my family would pay for it\n\nI would just not buy it\n\nOther\n\nDon't know","N","MAS new","Here are some statements made by other people about saving for the future. Please indicate how strongly you agree or disagree with each. 'Its important I think about how I will save for expensive things I want e.g. holidays, new tech (e.g. phone /tablet) (Strongly agree / tend to agree / tend to disagreee / strongly disagree / DK)         AND AN ALTERNATIVE OPTION: Here are some things things other people have said they do when managing their money. Please indicate the extent to which you can or cannot do each: 'Save money up until I have enough to buy something I want' (5 point scale: I can always do this / I can usually do this /  I cannot usually do this / I cannot do this / DK)",null,"Y","modified survey q\n\nImagine you want to buy something expensive. How would you get the money?\n\nI would save some money every week or month for it\n\nI would borrow money from my friends or family\n\nMy parents or guardian would pay for it\n\nSomeone else in my family would pay for it\n\nI would just not buy it\n\nOther\n\nDon't know"]
[454,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP think it's good to plan for the future and save up for things","Young people think it's important for them to save for the future (14-16)","How important do you think it is for you to save-up your money for the future in general?\n\n\n1. Very important\n2. Fairly important\n3. Neither important not unimportant\n4. Fairly unimportant\n5. Very unimportant","N","Natcen",null,null,"Y","ASK ALL 7-17 YEAR OLDS: \nCYP11: Imagine someone gives you £10. How much would you spend and how much would you save for later?   \nSLIDER SCALE – Save £10 to Spend £10 – use £1 increments\n\nASK ALL 7-17 YEAR OLDS: \nCYP12: Imagine someone gives you £100. How much would you spend and how much would you save for later?   \nSLIDER SCALE – Save £100 to Spend £100 – use £1 increments\n\n"]
[455,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP think it's good to plan for the future and save up for things","Young people think it's important for them to save for the future (14-16)","Imagine someone gives you £10. How much would you spend and how much would you save for later?   \n(if online) SLIDER SCALE – Save £10 to Spend £10 – use £1 increments\n(if on paper) Spend all of it; Spend more than half; Spend about half; Spend less than half; Save all of it\n\nImagine someone gives you £100. How much would you spend and how much would you save for later?   \n(if online) SLIDER SCALE – Save £100 to Spend £100 – use £1 increments\n(if on paper) Spend all of it; Spend more than half; Spend about half; Spend less than half; Save all of it\n","N","CYP fincap (Join Sam)"]
[456,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP have a cautious attitude to borrowing and debt","Young people believe it is important to think about the potential consequences of borrowing money including the impact if they can't pay it back (14-16)","Below are some things people your age have said about borrowing money. Which one best describes how you feel about borrowing money?\n\nSINGLE\n\nI'd rather not borrow money\nBorrowing money is OK, but only if I can pay it back\nBorrowing money does not bother me at all, even if I can't afford to pay it back\nI don't know","N","CYP fincap","Borrowing money is something: That bothers you / that does not both you?",null,"Y","YP11: Below are some things people your age have said about borrowing money. Which one best describes how you feel about borrowing money? (12+)\n\nSINGLE\n\nI'd rather not borrow money\nBorrowing money is OK, but only if I can pay it back\nBorrowing money does not bother me at all, even if I can't afford to pay it back\nI don't know",null," "]
[457,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP have a cautious attitude to borrowing and debt","Young people believe it is important to think about the potential consequences of borrowing money including the impact if they can't pay it back (14-16)","Steve is 18 and is studying at college. One night his home is burgled and his laptop to stolen. He does not have insurance.\nSteve needs a laptop as soon as possible so he can do his course and his friends and family cannot help him buy a replacement. He has enough money in his savings account to pay for a cheap laptop. However, if he spends his savings on a laptop he won’t be able to go on holiday with his friends like he had planned. What should Steve do?\n1. Use the savings to buy a laptop\n2. Apply for a credit card and use this to buy a laptop\n3. Get an instant pay day loan and use this to buy a laptop\n4. Drop out of college\n\nWhat would you do if you were in this situation? [options as above]","N","Natcen"]
[458,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP accept that they cannot have everything they want and that everyone has to make trade-offs with their money","Young people are able to abstain from/delay spending in order to live within their means and save for the future","How much do you agree or disagree with each of the following statements?  \n \n- I tend to buy things even when I can’t really afford them\n - I tend to live for today and let tomorrow take care of itself  \n - I find it more satisfying to spend money than to save it for the long term \n\n1. Strongly agree\n2. Slightly agree\n3. Neither agree nor disagree\n4. Slightly disagree\n5. Strongly disagree\n6. Don’t know","N","Adult f/w",null,null,"Y","How much do you agree or disagree with each of the following statements?  \n \n- I tend to buy things even when I can’t really afford them\n - I tend to live for today and let tomorrow take care of itself  \n - I find it more satisfying to spend money than to save it for the long term \n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know"]
[459,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP accept that they cannot have everything they want and that everyone has to make trade-offs with their money","Young people don't regularly ask other people for things they want but cannot afford to buy with their own money (14-16)","How often do you ask your parents to buy you things you want but don’t really need (such as new games or fashionable clothes)?\n1. I do this a lot\n2. I do this sometimes\n3. I rarely do this\n4. I never do this\n5. Don’t know\n\nHow much do you agree or disagree with the following statement \"I often feel annoyed with my parents if they won't buy me things I ask for\"\nStrongly agree\nSlightly agree\nNeither agree nor disagree\nSlightly disagree \nStrongly disagree\nDon't know","N","Natcen","If you want money for something expensive that is not strictly necessary but that you want to get, would your parents or guardians give you the money for it? SINGLE: Yes, I would only have to ask them / Yes, although I would need to insist and put pressure on them / Yes, but only in exchange for work or I would have to pay them back / No, no matter how hard I try they would not give it to me/ DK",null,"Y"]
[460,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP feel confident and in control of their financial situation","Young people feel confident to manage their own money (7-11, 11-14, 14-16)","How confident do you feel 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","CYP fincap","When it comes to managing money: You are confident / you lack confidence?",null,"Y","CYP10:  How confident do you feel 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'"]
[461,"Mindset","Attitudes to money management (including spending, saving and borrowing)","CYP feel confident and in control of their financial situation","Young people believe that they can influence and improve their own financial situation (now and in adulthood) through the choices they make (11-14, 14-16)","To what extent do you agree or disagree with the following\n\nNothing I do will make much difference to my money situation\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know","N","CYP fincap",null,null,"Y","NQ99b: To what extent do you agree or disagree with the following\n\nNothing I do will make much difference to my money situation (11+)\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know"]
[462,"Mindset","Attitudes to money management (including spending, saving and borrowing)","Attitudes to receiving money advice and guidance","Young people understand the value of financial advice and believe it can help them","How much do you agree or disagree with each of the following statements?  \n\n - Seeking financial advice seems too daunting \n - I think I would make better financial decisions with the help of advice\n -  I would feel too embarrassed to seek professional advice about money problems \n - When it comes to financial advice I don't know where to start. \n -  I can sort out my own money issues, without seeking advice \n - When it comes to choosing financial products (like savings accounts, insurance), I find there is not enough information out there that I can trust \n\n1. Strongly agree\n2. Slightly agree\n3. Neither agree nor disagree\n4. Slightly disagree\n5. Strongly disagree\n6. Don’t know\n","N","Adult f/w",null,null,null,"How much do you agree or disagree with each of the following statements?  \n\n - Seeking financial advice seems too daunting \n - I think I would make better financial decisions with the help of advice\n -  I would feel too embarrassed to seek professional advice about money problems \n - When it comes to financial advice I don't know where to start. \n -  I can sort out my own money issues, without seeking advice \n - When it comes to choosing financial products (like savings accounts, insurance), I find there is not enough information out there that I can trust \n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know\n"]
[463,"Mindset","Money and values","CYP do not value themelves or others by their material possessions","When making friends, material possessions are not the most important factor for young people (7-11,11-14, 14-16)","Which of the following things would you look for in a new friend?:\n1. Whether they are clever\n2. Whether they are cool or attractive\n3. Whether they own cool things\n4. Whether they are funny\n5. Whether they have the same hobbies as you\n6. Whether they are rich\n7. None of the above","N","Natcen",null,null,"Y"]
[464,"Mindset","Money and values","CYP do not value themelves or others by their material possessions","Young people do not think that their possessions are the most important thing about them (7-11, 11-14, 14-16)","How important are each of the following to you (use importance scale listed above):\n1. Being popular at school\n2. Doing well in your school work\n3. Being viewed as cool or attractive\n4. Owning cool things\n5. Getting on well with your friends\n6. Getting on well with you family\n7. Being good at managing your money","N","Natcen",null,null,"Y","ASK ALL 7-17 YEAR OLDS: \nCYP9 Here are some things that people your age have said about money. How strongly do you agree or disagree with them (5 point scale)\nROTATE STATEMENTS\nSelect one for each row\nMy parents discuss with me what we can and can’t afford to buy (11-17 only)\nI don't like it when my parents or carers say I cannot have things I see in shops\nI don’t like it when friends have things I don’t have\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know\n\nYP99: When you want to buy something for yourself, how often…\n\n…do you look in different places or stores to compare prices?\n\n…do you think about whether your friends would approve of the item?\n\n…do you think about whether the item is good value for money?\n\nNever\nRarely\nSometimes\nOften\nDon' know\n"]
[465,"Mindset","Money and values","CYP have a positive/healthy emotional relationship with money",null,"outcome added from adult fw, but as per adult fw further research is needed to understand what this is and what a suitable indicator & question would be","N"]
[466,"Mindset","Money and values","CYP feel comfortable talking openly about money with friends and family","Young people feel comfortable talking openly about money with friends and family (5-7, 7-11, 11-14, 14-16)","Do you talk about your money with any of the following people?\n\nMULTI\n\nI never talk about money (SC)\nFriends\nParents or carers\nTeachers\nMy brothers and sisters\nGrandparents or other family members\nDon't know (SC)","N","CYP fincap","Money is something: You discuss openly with friends and family / you are uncomfortable talking about?",null,"Y","CYP17:  Do you talk about your money with any of the following people?\n\nMULTI\n\nI never talk about money (SC)\nFriends\nParents or carers\nTeachers\nMy brothers and sisters\nGrandparents or other family members\nDon't know (SC)"]
[467,"Mindset","Aspirations and goals","CYP aspire to be good at managing their money","Young people want to be good at managing their money (5-7, 7-11, 11-14, 14-16)","How important are each of the following to you\n1. Being popular at school\n2. Doing well in your school work\n3. Being viewed as cool or attractive\n4. Owning cool things\n5. Getting on well with your friends\n6. Getting on well with you family\n7. Being good at managing your money \n\n1. Very important\n2. Fairly important\n3. Neither important not unimportant\n4. Fairly unimportant\n5. Very unimportant","N","Natcen","Below are some thoughts from people of your same age, about how they imagine they will manage their money in the future.  Which one most closely describes how you think you will be at managing your money as an adult? Please select the one the best applies. If no one matches exactly your own opinion, please select the one that most closely describes it: I’ll be great – my friends will come to me for advice /  I’ll probably not be completely on top of my money, but it won’t keep me up at night / I’ll make a few mistakes – I don’t have much experience managing my own money / I’ll be quite bad at it – money really isn’t my strong point / None of the above / DK Better Q: You have a friend who is better than you at budgeting: You wish you were a bit more like them / You don’t think you need to be like them?",null,"Y","none - have something for younger ages from Join Sam"]
[468,"Mindset","Aspirations and goals","CYP have educational and career goals","Young people have goals around the education and qualifications they want to achieve (11-14, 14-16)","Which, if any, of the following goals would you like to achieve in the next 5 years?\n\nMULTICODE\n\nNothing, I have no goals for the next 5 years (SC)\nGet into university\nGo travelling\nGet a secure job when I leave education\nMove out of parents' home\nGet my own car\nNot rely on my parents for money\nGo on holiday with my friends\nStay in education past the age of 16 (11-15)\nGet good grades in my homework\nMake it into a sports team or music group or drama production\nStay in education\nI have other goals I would like to achieve","N","CYP fincap","Which, if any, of the following goals would you like to achieve in the next 5 years? MULTICODE: Get into University / Go travelling / Get a secure job / Move out of parental home / Get my own car / Provide for myself / Have fun with my friends without any big commitment / Nothing, I have no specific goals for the next 5 years",null,null,"(11-18) YP8. Which, if any, of the following goals would you like to achieve in the next 5 years?\n\nMULTICODE\n\nNothing, I have no goals for the next 5 years (SC)\nGet into university\nGo travelling\nGet a secure job when I leave education\nMove out of parents' home\nGet my own car\nNot rely on my parents for money\nGo on holiday with my friends\nStay in education past the age of 16 (11-15)\nGet good grades in my homework\nMake it into a sports team or music group or drama production\nStay in education (11-14)\nI have other goals I would like to achieve"]
[469,"Mindset","Aspirations and goals","CYP have educational and career goals","Young people have goals around the job they want to do when they leave education (11-14, 14-16)","How important to you is it that…\n...you  get a job when you finish education?\n...you are rich when you are a grown-up?\n\n\n1. Very important\n2. Fairly important\n3. Neither important not unimportant\n4. Fairly unimportant\n5. Very unimportant\n\nDo you have any idea what job you would like to have when you are older? \n1. Yes- I know exactly what I want to be\n2. I have some ideas but I am not 100% decided\n3. No- I don't know what job I would like","N","Natcen",null,null,null,"(11-18) YP8. Which, if any, of the following goals would you like to achieve in the next 5 years?\n\nMULTICODE\n\nNothing, I have no goals for the next 5 years (SC)\nGet into university\nGo travelling\nGet a secure job when I leave education\nMove out of parents' home\nGet my own car\nNot rely on my parents for money\nGo on holiday with my friends\nStay in education past the age of 16 (11-15)\nGet good grades in my homework\nMake it into a sports team or music group or drama production\nStay in education (11-14)\nI have other goals I would like to achieve"]
[470,"Mindset","Aspirations and goals","CYP have educational and career goals","Young people have goals around the job they want to do when they leave education (11-14, 14-16)","{If 1 or 2 above} How likely are you to get the type of job you would like in the future?\n1. Very likely\n2. Somewhat likely\n3. Not very likely\n4. Not at all likely","N","Natcen"]
[471,"Mindset","Aspirations and goals","CYP have financial goals","Young people aspire to earn their own money as adults rather than rely on others for money (11-14, 14-16)","Do you agree or disagree with the following statements?\n                                                       Agree                    Disagree\n\n1. It's important to earn your own money\n2. I would like to be able to pay my own way as soon as I'm old enough\n3. It's fine to not earn money because others will make sure you have enough to get by\n4. I'm looking forward to having a job and my own money\n5. It's a good idea to get a part-time job when you are old enough to earn money rather than relying on your parents","N","TNS",null,null,null,"NQ99b: To what extent do you agree or disagree with the following\n\nHaving a job is the best way to be an independent person (14+)\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know"]
[472,"Mindset","Aspirations and goals","CYP have financial goals","Young people aspire to earn their own money as adults rather than rely on others for money (11-14, 14-16)","To what extent do you agree or disagree with the following\n\nHaving a job is the best way to be an independent person\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know","N","CYP fincap"]
[473,"Mindset","Aspirations and goals","CYP have financial goals","Young people aspire to earn their own money as adults rather than rely on others for money (11-14, 14-16)","At what age would you like to pay for your  home and bills rather than relying on your parents?\nWhen I am 16\nWhen I am 18\nWhen I am 21\nWhen I am 25\nWhen I am 30\nNever","N","Natcen"]
[474,"Mindset","Aspirations and goals","CYP have financial goals","Young people have a plan for saving up a certain amount of money so that they can pay for something that they want themselves (they have a savings goal) (5-7, 7-11, 11-14, 14-16)","Do you save money, for example at home in a money box or in a savings account? Please choose one answer.\na) Yes I save regularly\nb) Yes, but only occasionally\nc) No\n\n\nASK IF ANSWERED a or b for question above:\nPeople save for different reasons. Which of these statements best describes why you save? Please choose one answer.\na) I’m saving because my parents or guardians say it’s a good idea\nb) I’m saving up for a specific thing I want to buy\nc) I’m saving because I want to but not towards anything in particular\nd) I’m only saving because my parents or guardians make me\n","N","Join Sam ",null,null,"Y","ASK ALL AGED 7-17 \nCYP6.  What is the longest time you have saved up for? (for example to buy something you wanted)\nSC\n1. I haven’t saved up money before\n2. Less than a week\n3. More than a week but less than month\n4. More than a month but less than a year\n5. More than a year\n6. Don’t know\n\n","(Join Sam questions) 1. Do you save money, for example at home in a money box or in a savings account? Please choose one answer.\na) Yes I save regularly\nb) Yes, but only occasionally\nc) No\n\n\nASK IF ANSWERED a, b or c for Q1\n1a.  People save for different reasons. Which of these statements best describes why you save? Please choose one answer.\na) I’m saving because my parents or guardians say it’s a good idea\nb) I’m saving up for a specific thing I want to buy\nc) I’m saving because I want to but not towards anything in particular\nd) I’m only saving because my parents or guardians make me\n"]
[475,"Mindset","General mindset","CYP have self-esteem","Young people have a sense of their own value or worth","Do you think that your parents usually like to hear about your ideas? (Yes/No/Don't know)\n\nWhen you have to say things in front of teachers, do you usually feel shy? (Yes/No/Don't know)\n\nAre there lots of things about yourself you would like to change? (Yes/No/Don't know)\n\nI have high self-esteem (7 point scale from Not very true of me to Very true of me)","N","LAWSEQ; Rosenberg","Overall, to what extent do you feel that the things you do in your life are worthwhile? (0-10)",null,"Y","none",null,null,"LAWSEQ Q1. Do you think that your parents usually like to hear about your ideas? (Yes/No/Don't know)\n\nLAWSEQ Q6. When you have to say things in front of teachers, do you usually feel shy? (Yes/No/Don't know)\n\nLAWSEQ Q10. Are there lots of things about yourself you would like to change? (Yes/No/Don't know)\n\nRosenberg Single Item scale. I have high self-esteem (7 point scale from Not very true of me to Very true of me)"]
[476,"Mindset","General mindset","CYP have self-esteem","Young people have a sense of their own value or worth","Do you think that your parents usually like to hear about your ideas? (Yes/No/Don't know)\n\nWhen you have to say things in front of teachers, do you usually feel shy? (Yes/No/Don't know)\n\nAre there lots of things about yourself you would like to change? (Yes/No/Don't know)\n\nI have high self-esteem (7 point scale from Not very true of me to Very true of me)","N","LAWSEQ; Rosenberg",null,null,"Y","none"]
[477,"Mindset","General mindset","CYP have self-esteem","Young people have a sense of their own value or worth","Do you think that your parents usually like to hear about your ideas? (Yes/No/Don't know)\n\nWhen you have to say things in front of teachers, do you usually feel shy? (Yes/No/Don't know)\n\nAre there lots of things about yourself you would like to change? (Yes/No/Don't know)\n\nI have high self-esteem (7 point scale from Not very true of me to Very true of me)","N","LAWSEQ; Rosenberg",null,null,"Y","none"]
[478,"Mindset","General mindset","CYP have self-esteem","Young people have a sense of their own value or worth","Do you think that your parents usually like to hear about your ideas? (Yes/No/Don't know)\n\nWhen you have to say things in front of teachers, do you usually feel shy? (Yes/No/Don't know)\n\nAre there lots of things about yourself you would like to change? (Yes/No/Don't know)\n\nI have high self-esteem (7 point scale from Not very true of me to Very true of me)","N","LAWSEQ; Rosenberg",null,null,"Y","none"]
[479,"Mindset","General mindset","CYP display self-control/self-regulation","Children show appropriate behaviour","I often fight with other people\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n\nI get angry quickly\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n\nI sometimes take things belonging to other people\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n\nI am generally willing to do what is asked of me (e.g. by teachers or parents)\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n\nOther people say I tell lies\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n","N","adapted from BCS10 (Rutter)","Imagine that somebody has given you £100 as a gift. Which, if any, of the following would you be most likely to do with all or most of this money if you received it next week? SINGLE: Spend it on yourself, friends or family / Save it towards something you want to buy or do / Save it in case you need it for something unexpected in the future",null,"Y","none",null,null,"Parent-report items\n\nPlease say how true or untrue the following statements are of your child:\n{Child} Frequently fights with others \n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Is irritable or quick to get angry\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Sometimes takes/steals things from others\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Is often disobedient\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\n{Child} Often tells lies\n• Very true of my child\n• Mostly true of my child\n• Somewhat true of my child\n• Not very true of my child\n• Not at all true of my child\n\nSelf-report:\nI often fight with other people\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n\nI get angry quickly\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n\nI sometimes take things belonging to other people\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n\nI am generally willing to do what is asked of me (e.g. by teachers or parents)\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n\nOther people say I tell lies\nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all\n\n\n2. Setbacks don’t discourage me. \nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all \n\n7. I finish whatever I begin. \nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all \n\nI persist (carry on) with work whether it is difficult or not. \nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all"]
[480,"Mindset","General mindset","CYP display self-control/self-regulation","Children show perseverance","Setbacks don’t discourage me. \nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all \n\nI finish whatever I begin. \nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all \n\nI persist (carry on) with work whether it is difficult or not. \nVery much like me \nMostly like me \nSomewhat like me \nNot much like me \nNot like me at all","N","Duckworth Grit Scale; BCS 1970",null,null,"Y","none"]
[481,"Mindset","General mindset","CYP have self-efficacy","Young people believe they can improve their abilities through personal effort","Do you usually feel that it's almost useless to try in school/college because most students are cleverer than you? (Yes/No/Don't know)\n\nWhen someone is very angry with you is it impossible to make him your friend again? (Yes/No/Don't know)\n\nWhen bad things happen to you it is usually someone else's fault? (Yes/No/Don't know)\n\nWhen nice things happen to you is it only good luck? (Yes/No/Don't know)","N","CARALOC",null,null,"Y","none",null,null,"CARALOC 5. Do you usually feel that it's almost useless to try in school because most students are cleverer than you? (Yes/No/Don't know)\nCARALOC 12. When someone is very angry with you is it impossible to make him your friend again? (Yes/No/Don't know)\nCARALOC 13. When bad things happen to you it is usually someone else's fault? (Yes/No/Don't know)\nCARALOC 14. When nice things happen to you is it only good luck? (Yes/No/Don't know)"]
[482,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people know what current accounts are, how they work and the benefits of having them (11-14, 14-16)","Do you know what a bank account is?\n1. Yes\n2. No\n\n\nA bank account is somewhere people can keep their money rather than keeping it at home. Credit union and building society accounts are like bank accounts, if you have a credit union or building society account you should answer yes to this question. Do you have a bank account of your own?\n\nSC\n1. Yes\n2. No\n3. I don’t know if I have one\n\nASK ALL WITH A BANK ACCOUNT:\nWhich of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)","N","CYP fincap",null,null,null,"ASK ALL 7-11 YEAR OLDS\nNQ3: Do you know what a bank account is? (7-11)\n1. Yes\n2. No\n\n\nNQ4: A bank account is somewhere people can keep their money rather than keeping it at home. Credit union and building society accounts are like bank accounts, if you have a credit union or building society account you should answer yes to this question. Do you have a bank account of your own?\n\nSC\n1. Yes\n2. No\n3. I don’t know if I have one\n\nASK ALL 8 to 17 YEAR OLDS WITH A BANK ACCOUNT:\nPP19 Which of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)\n\nASK ALL 8-17 YEAR OLDS WITH A BANK/BS ACCOUNT (CODE 1 at NQ4): \nYP2 Do you know what type of bank account you have? Is it a….\nSINGLE CODE\n1. Current account\n2. Savings account\n3. I have both a current and a savings account\n4. I don’t know what type of bank account I have\n\n"]
[483,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people know what current accounts are, how they work and the benefits of having them (11-14, 14-16)","Why is important to have a current account in your name?\n1. To receive payments for work and/or one off money from friends and family straight into my account\n2. To be able to pay for things myself\n3. To be able to withdraw cash if I need to\n4. To be able to set up Direct Debit for pay different bills (such as, my mobile phone bill)\n5. To be able to check my balance\n6. To be able to transfer money","N","Natcen"]
[484,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people understand basic financial concepts and are able to answer basic questions around interest rates, loan types, investment, inflation etc.","Can you pick the word that best fits the description?\n\nThe amount the price of things in shops goes up by\n\nThe money that is added to savings by banks or building soceties\n\nThe money people pay to  government\n\nThe amount you get when you retire from working\n\nThe amount of money you have in your bank account\n\nInterest\nPension\nInflation\nBalance\nTax\nBenefit\nCredit\nDebit\nDon't know","N","CYP fincap","If the inflation rate is 5% and the intersest rate you get on your savings is 3%, will your savings have more, the same or less buying power in a year's time? (More / The same / Less / DK)","Draw a line between word and description if on paper or use drag and drop if online","Y","YP18:  Can you pick the word that best fits the description?\n\nThe amount the price of things in shops goes up by\n\nThe money that is added to savings by banks or building soceties\n\nThe money people pay to  government\n\nThe amount you get when you retire from working\n\nThe amount of money you have in your bank account\n\nInterest\nPension\nInflation\nBalance\nTax\nBenefit\nCredit\nDebit\nDon't know"]
[485,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people are aware of the different types of savings products available (eg. savings accounts, junior ISAs, child trust funds, etc.) and are aware of the pros and cons of each (11-14)","Before today, which of the following financial products had you heard of?\nCurrent account\nSavings account\nISAs\nChild trust funds or Junior ISAs\nWhich of the following do you have in your own name?\nCurrent account\nSavings account\nISAs\nChild trust funds or Junior ISAs\n\nPlease indicate whether you think the following statements are true or false (True/False/Don't Know)\nGaining interest on savings is a way of making your money grow\nAll banks have to give you the same level of interest on your savings\nCurrent accounts are usually used for day-to-day banking when you want to get money in and out easily\nSavings accounts usually give you higher rates of interest than current accounts\nYou might get a higher level of interest on a savings account if you  put in money every month\nISAs and junior ISAs are a type of savings account where do not have to pay tax on interest earned\nThere is no limit on the amount of money you can put into an ISA each year\n","N","Natcen",null,null,"Y","ASK ALL 8-17 YEAR OLDS WITH A BANK/BS ACCOUNT (CODE 1 at NQ4): \nYP2 Do you know what type of bank account you have? Is it a….\nSINGLE CODE\n1. Current account\n2. Savings account\n3. I have both a current and a savings account\n4. I don’t know what type of bank account I have\n\nNQ3: Do you have a Child Trust FUnd or a Junior ISA?\n\nMULTI\n\nI have a Child Trust Fund\nI have a Junior ISA\nI don't know if I have one of these (SC)\nI don't know what these are (SC)\n\nYP19: Look at this list and choose which ones make your money grow, and which ones give you money now that has to be paid back later?\n\nMortgage\nJunior ISA\nSavings account\nPayday loan\nGovernment Bond\nCredit card\nInvestment\n\nMakes your money grow\nHas to be paid back later\nDon't know"]
[486,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people are aware of the various ways to borrow money as an adult and that these are associated with different levels of risk","When you are 18 you may be offered products to help your borrow money, which of these have you heard of?\n1. Credit card\n2. Store cards or store credit\n3. Bank loan\n4. Pay day loan\n5. Student loan\n6. Mortgage\n7. Overdraft\n8. None of the above\n\n{For each item named above}\nHow confident would you feel explaining to a friend what a [NAME OF CREDIT TYPE} is?\n1. Very confident\n2. Fairly confident\n3. Not very confident\n4. Not at all confident\n\nThe following questions are about borrowing money and buying things on credit.  Which of the following statements are true and which are false? (True/ False/ Don't know)\n1.  When you borrow money you will often be charged interest (you will pay back more than you borrow)\n2. All credit card providers charge the same rate of interest \n3. Generally, the quicker you can pay off a debt, the less interest you have to pay\n4. Pay day loans usually have lower interest rates than credit cards\n5.  It is easy to get away with not paying money back\n6. Some types of borrowing are more expensive than others\n7. You may be fined if you don't pay money back on time\n8. You may be fined if you use an overdraft that has not been agreed in advance with your bank","N","Natcen",null,null,"Y","YP21: Is this true or false?\n\nA debit card takes money directly from your bank account, a credit card lets you borrow money and pay it back later\n\nYou always need to start paying a student loan back as soon as you leave University\n\nDirect debits can take money from your bank account each month for regular bills\n\nTrue\nFalse"]
[487,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people understand the role of student loans and the way in which they work (14-16)","Student  loans are a cheap way to borrow money.\n\n1. Strongly agree\n2. Agree\n3. Neither agree nor disagree\n4. Disagree\n5. Strongly Disagree\n6. Don't know\n\n\nPlease indicate whether you think the following statements are True or False (True/False/Don't Know):\n1. Student loans are repaid based on what you earn after you graduate\n2.  You might not have to repay the full amount of the loan for example if you do not get a job after university\n3. Repayments are taken automatically from what you earn\n4. Student loans are cleared if they are not repaid within 30 years\n5. Student loans are a very expensive way of borrowing money compared to other loans\n6. Student loan repayments are collected by debt collectors\n7. You must always repay the full amount you borrowed with a student loan","N","LSYPE; Natcen",null,null,"Y","YP21: Is this true or false?\n\nA debit card takes money directly from your bank account, a credit card lets you borrow money and pay it back later\n\nYou always need to start paying a student loan back as soon as you leave University\n\nDirect debits can take money from your bank account each month for regular bills\n\nTrue\nFalse"]
[488,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people understand what insurance is for and where to go to access it (14-16)","Why  would someone buy insurance? Please choose all that apply:\n1. To cover the cost if they lose something\n2. To cover the cost if something they owned broke\n3. To cover the costs if something they owned got stolen\n4. To replace an older object (such as a mobile) with a new one\n5. To save for retirement\n\n\n\nPlease indicate whether you think the following statements are true or false (True/False/Don't Know)\n1. You can get better deals on insurance if you shop around\n2. If you own a car you must have car insurance to drive it\n3. If you own a mobile phone you are legally obliged to insure it\n4. All insurance policies have the same terms and conditions\n5. Insurers can refuse to pay for things depenfing on the terms and conditions\n","N","Natcen"]
[489,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language",null,"Which of the following can people buy insurance for? Choose all that apply\n1.  Mobile phone \n2. Home contents\n3. Car\n4. Pet\n5. Life insurance (to provide a cash pay-out if they die)\n6. Dental and medical (to provide private care if they get sick)\n7. Travel insurance (to cover holidays)","N","Natcen"]
[490,"Ability","Understanding financial products and concepts","CYP understand financial products, concepts and language","Young people know how to maintain a good credit record","What is a credit record? Pick the option that is the best description.\n1.  A credit card statement from a bank\n2. A store card bill \n3. A record showing your mobile phone history\n4. A record of all credit you have borrowed from different places (banks, stores, etc.) and whether this has been paid back \n\n\nWhich of the following things are important if you want to have a good credit record? Select all that apply\n\n1. Your education\n2. Whether you are a registered voter\n3. Whether you have a credit card\n4. Whether you pay your credit card on time \n5. Whether you have debts\n6. Whether you are registered with a G.P.","N","Natcen",null,null,null,"none - c.f. adults framework"]
[491,"Ability","Understanding financial products and concepts","CYP understand how to choose financial products that meet their needs","Young people understand the things they need to think about when choosing between different current or savings accounts (eg. interest rates, how quickly and easily they can access the money, different account features etc.) (11-14, 14-16)","Which of these features should you think about when choosing a bank account?\nTick all that apply\n\n1. Having a cash card or debit card\n2. Ease of getting to the bank\n3. Whether my friends use the same bank\n4. Whether my parents use the same bank\n5. Whether you can bank online or through an app\n6. Interest rate on the money in the bank account\n7. Whether you can access your money straightaway\n8. How much money you can take out per day\n9. Overdraft facility and how much it is\n10. Introductory offers (e.g. free tickets/gadget)\n11. Monthly fee and how much it is\n12. Special features (e.g. mobile phone insurance)\n13. Other (please write in)","N","TNS",null,null,"Y","List of options with some false ones"]
[492,"Ability","Understanding financial products and concepts","CYP understand how to choose financial products that meet their needs","Young people know useful strategies when selecting financial products such as comparing deals, reading the small print, switching providers and seeking advice (14-16)","The  next questions look at the sort of things people do when choosing financial products such as  bank account accounts or mobile phone tariffs. Please indicate whether you think the following statements are true or false (True/False/Don't Know)\n\n...You can get better deals on financial products if you shop around\n...It is important to read the terms and conditions before picking a  financial product. \n... Banks are legally obliged to tell me if my money could be doing better in another account\n... Mobile phone providers are legally obliged to tell me which tariff is best  for me\n ...You can often get better deals on financial products if you change provider regularly\n...Free neutral advice on choosing financial products is available, you just need to know where to find it","N","Natcen",null,null,null,"none"]
[493,"Ability","Understanding financial products and concepts","CYP understand how to choose financial products that meet their needs","Young people are aware that some saving and borrowing products have higher interest than others","Which of the following statements is true and which is false:\n\nIt doesn't matter what kind of savings account you have, the interest rate is the same at all banks\nThere are some financial products which will give you a higher interest rate\nIf you negotiate with the bank, you can get a higher interest rate on your savings\nAll the saving products within the same bank offer the same interest rate","N","Natcen",null,null,"Y"]
[494,"Ability","Understanding money management","CYP understand the value of money","Young people can make spending decisions appropriate to their age based on their needs and priorities (14-16)","When you get money,  how often do you save at least some of it, [say by putting it in a piggy bank or cash box or into your bank account]?\nSELECT ONE ONLY\n1. Every time I get money\n2. Most times I get money\n3. Sometimes\n4. Never\n5. Don’t know \n\n[You said that you save some money every time/most times/some of the time you get money.] How often do you spend that oney on things you want?\nSC\n\nEvery time I get money\nMost times I get money\nSometimes\nNever\nDon't know","N","CYP fincap",null,null,"Y","\nASK ALL 7-17 YEAR OLDS WITH MONEY (CODES 1-7 at CYP2):  \nYP3 When you get money,  how often do you save at least some of it, [say by putting it in a piggy bank or cash box or into your bank account]?\nSELECT ONE ONLY\n1. Every time I get money\n2. Most times I get money\n3. Sometimes\n4. Never\n5. Don’t know \n\nYP3b: [You said that you save some money every time/most times/some of the time you get money.] How often do you spend that oney on things you want? (7-17)\nSC\n\nEvery time I get money\nMost times I get money\nSometimes\nNever\nDon't know"]
[495,"Ability","Understanding money management","CYP understand the value of money","Young people understand the difference between 'price' and 'value' and that some things are better value than others (7-11, 11-14, 14-16)","You are thinking of buying some new trainers.  Which of these comes closest to your view?\n\n1. It's best to buy a well-known, expensive, brand\n2. It is worth considering a less expensive brand if it offers the same quality\n3. It is best to choose the cheapest ones you can get even if they won't last quite as long","N","TNS",null,null,"Y","YP99: When you want to buy something for yourself, how often…\n\n…do you look in different places or stores to compare prices?\n\n…do you think about whether your friends would approve of the item?\n\n…do you think about whether the item is good value for money?\n\nNever\nRarely\nSometimes\nOften\nDon' know"]
[496,"Ability","Understanding money management","CYP understand the value of money","Young people understand how to shop around to get the best value for money and why this is important (7-11, 11-14, 14-16)","How can you make sure you get a good deal when buying something?\n1. Buy the first thing you see\n2. Compare prices in different shops or online (1 point)\n3. Buy second hand (1 point)\n4. Buy non-branded goods (1 point)\n5. Only buy the things you really need (1 point)\n6. Wait for things you want to go on sale (1 point)\n7. Get someone else to buy it for you\n8. Don't know (0 points)\n\nWhy is it a good idea to shop around when picking where to buy something?\n\n1.  You can find the same thing for different prices in different shops (1 point)\n2. It is fun to shop around (0 point)\n3. Some shops sell better quality items compared to others(1 point)\n4. Shopping around can save you money (1 point)\n5. Don’t know (0 points)","N","Natcen"]
[497,"Ability","Understanding money management","CYP know how to keep track of their money, and set and stick to a budget","Young people understand the principles of budgeting and can develop a budget suited to their needs","How do you keep track of the money you get and the money you spend?\nMULTI\n\nOnline budgeting tool\nOnline bank account\nSpreadsheet\nPiece of paper\nIn my head (mentally)\nChecking my bank balance at a cash machine\nReviewing my bank statements\nOn a mobile app\nI don't keep track\nDon't know","N","CYP finccap","Have you learnt about how to manage your money in school? Yes /  No / Not sure (don’t remember)",null,"Y","YP8a: How do you keep track of the money you get and the money you spend?\nMULTI\n\nOnline budgeting tool\nOnline bank account\nSpreadsheet\nPiece of paper\nIn my head (mentally)\nChecking my bank balance at a cash machine\nReviewing my bank statements\nOn a mobile app\nI don't keep track\nDon't know"]
[498,"Ability","Understanding money management","CYP know how to keep track of their money, and set and stick to a budget","Young people understand the principles of budgeting and can develop a budget suited to their needs","Some people set a plan for how they will spend their money and others do not. Which of these comes closest to how you feel about money planning?\n\n1. It's best to record the money you have and everything you spend to make sure you don't run out of money\n2. It is a good idea to keep an eye on your spending but it's not worth worrying about a pound here and there\n3. It's too much effort to keep track of spending; if you run out of money you'll just have to wait until you get more","N","TNS"]
[499,"Ability","Understanding money management","CYP know how to keep track of their money, and set and stick to a budget","Young people know how to use tools to help them budget (11-14, 14-16, 16-18)","Which of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)\n\nASK ALL WITH MONEY (CODES 2-6 at first question): \nDo you know how much money you have in total? (IF HAVE BANK ACCOUNT INSERT [“including in your bank”])\nSC\n1. No \n2. Yes, roughly\n3. Yes exactly\n\n\nHow do you keep track of the money you get and the money you spend?\nMULTI\n\nOnline budgeting tool\nOnline bank account\nSpreadsheet\nPiece of paper\nIn my head (mentally)\nChecking my bank balance at a cash machine\nReviewing my bank statements\nOn a mobile app\nI don't keep track\nDon't know","N","CYP fincap",null,null,null,"YP8a: How do you keep track of the money you get and the money you spend?\nMULTI\n\nOnline budgeting tool\nOnline bank account\nSpreadsheet\nPiece of paper\nIn my head (mentally)\nChecking my bank balance at a cash machine\nReviewing my bank statements\nOn a mobile app\nI don't keep track\nDon't know"]
[500,"Ability","Understanding money management","CYP know how to keep track of their money, and set and stick to a budget","Young people understand the costs of living independently","Which of the following things do most adults pay for, and which do most adults get for free?\n\nRent or mortgage\nElectricity or gas at home\nWater at home\nVisits to a GP or hospital\nCouncil tax\nInternet at home\nBorrowing a library book\n\nPay for\nGet for free\nDon't know","N","CYP fincap",null,null,null,"YP28: Which of the following things do most adults pay for, and which do most adults get for free?\n\nRent or mortgage\nElectricity or gas at home\nWater at home\nVisits to a GP or hospital\nCouncil tax\nInternet at home\nBorrowing a library book\n\nPay for\nGet for free\nDon't know\n\nNew4: What would be the consequence if you weren't able to pay your council tax?\nMULTI\n\nNothing\nYou could go to prison\nThe government will pay what is owed for you\nYour things may be taken by a debt collector\nDon't know"]
[501,"Ability","Understanding money management","CYP know how to keep track of their money, and set and stick to a budget","Young people know how to check a bank balance and read a bank statement (7-11, 11-14, 14-16)","BSQ: Looking at this example of a bank statement, how much money was in the account at the end of February? \nPlease type in your answer to nearest pound__________________","Y-BSQ","CYP fincap",null,null,"Y","P22 Looking at this example of a bank statement, how much money was in the account at the end of February? \nPlease type in your answer to nearest pound__________________\n\n\n"]
[502,"Ability","Understanding money management","CYP know how to keep track of their money, and set and stick to a budget","Young people know how to read a payslip and understand the tax and NI contributions","PSQ: Please look at this payslip and then answer the questions below. \nHow much has Sally paid towards her retirement so far this year?\n(SC)\n\n£100\n£320\n£2465.20\n£1000\n£200\nDon't know\n\nHow much was Sally paid this month before any tax or deductions were taken?\n(SC)\n\n£1950.88\n£2700\n£2000\n£27000\n£246.52\nDon't know","Y-PSQ","CYP fincap",null,null,"Y","Please look at this payslip and then answer the questions below. \nYP23: How much has Sally paid towards her retirement so far this year?\n(SC)\n\n£100\n£320\n£2465.20\n£1000\n£200\nDon't know\n\nYP24: How much was Sally paid this month before any tax or deductions were taken?\n(SC)\n\n£1950.88\n£2700\n£2000\n£27000\n£246.52\nDon't know\n"]
[503,"Ability","Understanding money management","CYP know how to keep track of their money, and set and stick to a budget","Young people know they need to keep information about their current and savings accounts safe (7-11, 11-14, 14-16)","If have a bank account:\n\n{If yes} Does your bank account come with a card you can use to get cash from a cash point?\nYes \nNo\nDon't know\n\n{If yes} Who looks after your bank card?\n1. You\n2. Someone else (e.g. your parents or other)\n\n{if you} Which of the following should you do to keep your bank card PIN number safe? Please select all the answers you think are correct\n1. Write down your PIN and keep it in your wallet in case you forget it\n2. Tell your best friend your PIN in case you forget it\n3. Keep your PIN secret from everyone\n4. Hide the keypad when you are entering your PIN number at a cash point or shop\n5. Change your PIN if you think someone may have seen it","N","Natcen",null,null,null,"ASK ALL 8 to 17 YEAR OLDS WITH A BANK ACCOUNT:\nPP19 Which of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)"]
[504,"Ability","Understanding money management","CYP know how to save up for things they want and why it is good to save","Young people know how to make deposits into a bank account (11-14, 14-16)","Which of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)\n\nASK ALL WITH MONEY (CODES 2-6 at first question):  \nWhen you get money,  how often do you save at least some of it, [say by putting it in a cash box or into your bank account]?\nSELECT ONE ONLY\n1. Every time I get money\n2. Most times I get money\n3. Sometimes\n4. Never\n5. Don’t know ","N","CYP fincap",null,null,null,"ASK ALL 8 to 17 YEAR OLDS WITH A BANK ACCOUNT:\nPP19 Which of the following do you do with your bank account(s)? MULTICODE\n1. Put money in\n2. Take money out \n3. Look after my bank book\n4. Check my bank balance\n5. Use a debit card\n6. Look at the account online (internet banking)\n7. Look at the account on my phone (mobile banking)\n8. Go into the bank\n\n(I do this / I don't do this)\n\nASK ALL 7-17 YEAR OLDS WITH MONEY (CODES 1-7 at CYP2):  \nYP3 When you get money,  how often do you save at least some of it, [say by putting it in a piggy bank or cash box or into your bank account]?\nSELECT ONE ONLY\n1. Every time I get money\n2. Most times I get money\n3. Sometimes\n4. Never\n5. Don’t know "]
[505,"Ability","Understanding money management","CYP know how to save up for things they want and why it is good to save","Young people understand why saving money for something you want to buy is important (7-11, 11-14, 14-16)","Why is it good to save up for something you want to buy?\n1. Saving up for things yourself will help you learn money management for when you are older (2 points)\n2.  Other people may not have money to spare/ they may get irritated if you ask them for money (1 point)\n3. Saving up for something will mean you are less likely to make 'impulse buys'/ makes you more likely to buy thing you really want or need (1 point)\n4. You can spend the money you have saved on something else if youwant to\n4. To stop you getting into debt  (2 point)","N","Natcen","Young people agree that saving money for something unexpected in the future: Is important / unimportant?"]
[506,"Ability","Understanding money management","CYP know how to save up for things they want and why it is good to save","Young people understand why saving money for something you want to buy is important (7-11, 11-14, 14-16)","Tristan  goes to a shop with his parents. He sees a cap he would really like to buy. The cap costs £15.  Tristan only has £10 right now, but next week he will get his pocket money.  Should Tristan:\n1. Ask his parents for more money so he can buy the cap now: or\n2. Buy the cap next week when he gets his pocket money\n\nWhat would you do in Tristan's situation?\n1. Ask your parents for the money so you can buy the cap straight away\n2. Buy the cap in a weeks time when you have more money\n","N","Natcen"]
[507,"Ability","Understanding money management","CYP know how to save up for things they want and why it is good to save","Young people understand the value of saving for the future (14-16)","How important do you think it is for you to save-up your money for the future in general?\n\n1. Very important\n2. Fairly important\n3. Neither important not unimportant\n4. Fairly unimportant\n5. Very unimportant","N","Natcen","Young people agree that saving money for something unexpected in the future: Is important / unimportant?",null,null,"ASK ALL 7-17 YEAR OLDS: \nCYP11: Imagine someone gives you £10. How much would you spend and how much would you save for later?   \nSLIDER SCALE – Save £10 to Spend £10 – use £1 increments\n\nASK ALL 7-17 YEAR OLDS: \nCYP12: Imagine someone gives you £100. How much would you spend and how much would you save for later?   \nSLIDER SCALE – Save £100 to Spend £100 – use £1 increments\n"]
[508,"Ability","Understanding money management","CYP are aware of scams and fraud and know how to protect themselves from it","Young people understand the main types of financial fraud and how to protect themselves from it","Please say true or false to each statement (True/False/ Don’t know)\n1. It is important to keep your bank details, PIN and passwords secret.\n2. Your bank may email you sometimes to ask for your PIN. \n3. Criminals often pretend to be banks or other organisations to scam people\n4. Official people, like banks and police officers,  never ask for bank details (like your PIN) by phone or email\n5. Criminals can copy bank cards by using machines that look like ATMs or card payment machines\n6. It is always safe to use a cash machine, even if it looks damaged or unusual\n\n\nTo what extent do you agree or disagree with each of these statements? \n\n- I never open attachments from unknown email senders \n- I always lock my phone/ tablet/ laptop when I am not using it\n- I pick passwords  that will be difficult to break (long ones with both numbers and letters)\n– I never tell other people what my passwords are\n- I have anti-virus software  on my computer\n- I am careful about what information I publish about myself online and on social media\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know","N","Natcen"]
[509,"Ability","Understanding money management","CYP can apply their numeracy skills to financial issues","Young people can calculate what interest they would be paid or would owe if their saved or borrowed money (7-11, 11-14, 14-16)","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.\nHow much would be in the account at the end of the first year, once the interest payment is made?   \nENTER AMOUNT\n Don’t know\n","N","CYP fincap",null,null,"Y","ASK ALL 11-17 YEAR OLDS: \nYP25 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.\nHow much would be in the account at the end of the first year, once the interest payment is made?   \nENTER AMOUNT\n Don’t know\n"]
[510,"Ability","Understanding money management","CYP can apply their numeracy skills to financial issues","Young people can understand the impact of inflation and depreciation on their money (14-16)","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?\n(SC)\n\n1. More\n2. The same\n3. Less\n4. Don’t know","N","CYP fincap",null,null,"Y","ASK ALL 14-17 YEAR OLDS: \nYP26: 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?\n(SC)\n\n1. More\n2. The same\n3. Less\n4. Don’t know"]
[511,"Ability","Understanding money management","CYP can apply their numeracy skills to financial issues","Young people can work out how long they will need to save for to be able to buy something if they are saving a set amount a week (7-11, 11-14, 14-16)","Greg gets £6.00 a week pocket money. How long would it take Greg to save up his pocket money to buy something that costs £26?","N","Natcen",null,null,null,"(old question no longer in survey)\n\nASK ALL 7-14 YEAR OLDS: (ABILITY) \nCYP16 If you saved £7 each week, how long would it take for you to be able to buy the £35 game? Please choose one answer.\n1. 4 weeks\n2. 5 weeks\n3. 6 weeks\n4. 7 weeks\n5. Don’t know\n"]
[512,"Ability","Understanding money management","CYP know where to get good advice and information on money management","Young people know where to go for advice, guidance and tools about their financial situation, in person, by phone and using digital resources","If you needed advice about money, who would you ask?\n\nMULTI\n\nI do not ask for advice about money (SC)\nMy parents or carers\nMy friends\nMy teachers\nOther family members\nOther adults\nOnline (for example - Youtube, Money Saving Expert)\nA bank, building society or other financial organisation\nTV programmes\nDon't know (SC)","N","CYP fincap",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.Alvin Hall\n9. Consumer Credit Counselling Service (CCCS)/StepChange\n10. National Debtline\n[ADD OTHER RELEVANT ORGANISATIONS/SITES]\n11. None of these",null," YP16: If you needed advice about money, who would you ask?\n\nMULTI\n\nI do not ask for advice about money (SC)\nMy parents or carers\nMy friends\nMy teachers\nOther family members\nOther adults\nOnline (for example - Youtube, Money Saving Expert)\nA bank, building society or other financial organisation\nTV programmes\nDon't know (SC)\n\nYP16a: And who would be the most useful?\n\nSINGLE\n\nMy parents or carers\nMy friends\nMy teachers\nOther family members\nOther adults\nOnline (for example - Youtube, Money Saving Expert)\nA bank, building society or other financial organisation\nTV programmes\nDon't know\nNone of them would give useful advice"]
[513,"Ability","Understanding money management","CYP know where to get good advice and information on money management","Young people know where to go for advice, guidance and tools about their financial situation, in person, by phone and using digital resources","And who would be the most useful?\n\nSINGLE\n\nMy parents or carers\nMy friends\nMy teachers\nOther family members\nOther adults\nOnline (for example - Youtube, Money Saving Expert)\nA bank, building society or other financial organisation\nTV programmes\nDon't know\nNone of them would give useful advice","N","CYP fincap"]
[514,"Ability","Understanding the role of money in society","CYP understand the different sources of money","Young people understand that being financially independent and having their own source of income is an important part of being an adult (7-11, 11-14, 14-16)","How important is it to you ... \n\n… to get a job when you finish education? \n… to not need  your parents' money when you are an adult (to be independant)? \n\n1. Very important\n2. Fairly important\n3. Neither important not unimportant\n4. Fairly unimportant\n5. Very unimportant","N","Natcen",null,null,null,"NQ99b: To what extent do you agree or disagree with the following\n\nHaving a job is the best way to be an independent person (14+)\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know"]
[515,"Ability","Understanding the role of money in society","CYP understand the different sources of money","Young people understand that the choices they make around education and work will affect the amount of money they have (7-11, 11-14, 14-16)","Young people who do well at school find it easier to get good jobs when they grow up\n\n1. Strongly agree\n2. Slightly agree\n3. Neither agree nor disagree\n4. Slightly disagree\n5. Strongly disagree\n6. Don’t know \n\n\nSpending money on education is an investment in my future\n\n1. Strongly agree\n2. Slightly agree\n3. Neither agree nor disagree\n4. Slightly disagree\n5. Strongly disagree\n6. Don’t know \n","N","Natcen; Parents Opinion Survey 2010",null,null,"Y"]
[516,"Ability","Understanding the role of money in society","CYP understand the different sources of money","Young people understand that different education & training options (eg. going to university or doing an apprenticeship) have different financial implications in both the short and longer term (11-14, 14-16)","Young people who do well at school find it easier to get good jobs when they grow up\n\n1. Strongly agree\n2. Slightly agree\n3. Neither agree nor disagree\n4. Slightly disagree\n5. Strongly disagree\n6. Don’t know \n\n\nSpending money on education is an investment in my future\n\n1. Strongly agree\n2. Slightly agree\n3. Neither agree nor disagree\n4. Slightly disagree\n5. Strongly disagree\n6. Don’t know ","N","Natcen; Parents Opinion Survey 2010"]
[517,"Ability","Understanding the role of money in society","CYP understand the different sources of money","Young people know where to find out information on whether they are entitled to benefits and how to claim them","Which of the following could someone go to if they wanted to find information on whether they are entitled to benefits?\nSelect all that apply:\nParents\nJob Centre\nLocal Council\nStaff at school/college\nInternet\nCitizens Advice Bureau/ local charity","N","Natcen"]
[518,"Ability","Understanding the role of money in society","CYP understand the different sources of money","Young people know where to find out information on whether they are entitled to benefits and how to claim them","Do  you think people can claim benefits from the government when they are unemployed and looking for work?\n1. Yes\n2. No\n3. Don’t know\n\nDo you think people can claim benefits from the government when they are unwell and unable to work?\n1. Yes\n2. No\n3. Don’t know\n","N","Natcen"]
[519,"Ability","Understanding the role of money in society","CYP understand that companies exist to make money","Young people understand the different ways that companies try to influence their spending, including through advertising, marketing, product placement and celebrity endorsements (5-7, 7-11, 11-14, 14-16)","Now a little quiz:\nCompanies use lots of different ways to get people to spend money on their goods and services. Can you match some of these ways to their names? \n\n1. Advertising\n2. Marketing\n3. Product placement\n4. Celebrity endorsements\n\n\n- Placing images and examples of a product where lots of people can see it (e.g. on TV, in magazines or on social media)\n- The process of transferring goods and services from the seller to the buyer\n- Promoting goods and services through films, television or social media (e.g. someone using a certain type of smart phone in a film)\n- Paying someone famous to put their name and face to goods and services and help to sell them\n\n(if online) Drag & drop\n(if on paper) Draw a line between description and name","N","TNS (Barclays Money Skills)",null,"\n(if online) Drag & drop\n(if on paper) Draw a line between description and name","Y","ASK ALL 7-17 YEAR OLDS: RBC\nCYP9 Here are some things that people have said about money. Please indicate how strongly you agree or disagree with them (5 point scale)\nROTATE STATEMENTS\nSelect one for each row\nA. My parents don’t buy things if they think they can’t afford them (11-17 only)\nB. My parents discuss with me what we can and can’t afford to buy (11-17 only)\nC. It upsets me when my parents say I cannot have things I see on TV or Adverts\nD. It upsets me when friends have things I don’t have\nE. Adverts try to get us to spend money on things\n"]
[520,"Ability","Understanding the role of money in society","CYP understand how taxes are collected and what they are used for","Young people understand that National Insurance and Income Tax is deducted from the money people earn to pay for public services (11-14, 14-16)","Tax is money that the Government takes from the money that people earn. What is tax for?\n\nTo pay for things like hospitals and roads\nTo make sure people don't earn too much\nTo pay for lottery prizes\nTo pay for police and schools\nTo pay for supermarkets","N","MAS new",null,null,"Y","YP18:  Can you pick the word that best fits the description?\n\nThe amount the price of things in shops goes up by\n\nThe money that is added to savings by banks or building soceties\n\nThe money people pay to  government\n\nThe amount you get when you retire from working\n\nThe amount of money you have in your bank account\n\nInterest\nPension\nInflation\nBalance\nTax\nBenefit\nCredit\nDebit\nDon't know"]
[521,"Ability","Understanding the role of money in society","CYP understand how taxes are collected and what they are used for","Young people understand that National Insurance and Income Tax is deducted from the money people earn to pay for public services (11-14, 14-16)","The amount of money people take home from their job is less than they actually earn. Which of the following best describes why this is?\n\n1.  National insurance and income tax*\n2.  Income tax, property tax and private medical insurance contributions\n3.  National insurance, share options in a business, VAT (value added tax )\n4. National insurance, income tax and student loan repayments *","N","Natcen (2008 Survey of Personal Financial  Literacy Among High School and College Students)"]
[522,"Ability","Understanding the role of money in society","CYP understand how taxes are collected and what they are used for","Young people understand that people have a tax free allowance and don't pay Income Tax on a portion of what they earn (11-14, 14-16)","Do adults always have to pay tax on the income they earn?\n1. Yes\n2. No\n3. Don’t know\n\n\nThe first part of the money your earn is tax free. \n1. True \n2. False \n\nIf the income you make from all sources is under £11, 000 do you have to pay Income Tax on it?\n1. Yes\n2. No\n3. Don’t know","N","Natcen; HE survey",null,"Will need updating in 2017"]
[523,"Ability","Understanding values and emotions around money","CYP understand their own values and feelings around money",null,null,"N","Indicators removed across all age groups in line with adult f/w, as research needed to determine what this looks like"]
[524,"Ability","Basic skills","CYP have good literacy skills","Young people perform at age appropriate levels in standardised literacy tests","Which of the following qualifications do you have?\nMULTI\n\nHND\nHNC\nA-level grade A-E\nAS-level grade A-E\nScottish Highers grade A-C\nGCSE\nSomething else\nI have no qualifications yet\nDon't know\n\nDo you have…?\n\nGCSE English grade A*-C\n\nYes\nNo","N","CYP fincap",null,null,"Y","YP27: Which of the following qualifications do you have?\nMULTI\n\nHND\nHNC\nA-level grade A-E\nAS-level grade A-E\nScottish Highers grade A-C\nGCSE\nSomething else\nI have no qualifications yet\nDon't know\n\nQ101: Do you have…?\n\nGCSE English grade A*-C\n\nYes\nNo"]
[525,"Ability","Basic skills","CYP have good numeracy skills","Young people perform at age appropriate levels in standardised numeracy tests","Which of the following qualifications do you have?\nMULTI\n\nHND\nHNC\nA-level grade A-E\nAS-level grade A-E\nScottish Highers grade A-C\nGCSE\nSomething else\nI have no qualifications yet\nDon't know\n\nDo you have…?\n\nGCSE Maths grade A*-C\n\nYes\nNo","N","CYP fincap",null,null,"Y","YP27: Which of the following qualifications do you have?\nMULTI\n\nHND\nHNC\nA-level grade A-E\nAS-level grade A-E\nScottish Highers grade A-C\nGCSE\nSomething else\nI have no qualifications yet\nDon't know\n\nQ101: Do you have…?\n\nGCSE Maths grade A*-C\n\nYes\nNo"]
[526,"Ability","Basic skills","CYP have good problem solving skills","Young people can identify and understand a problem","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)","N","CYP fincap",null,null,null,"none"]
[527,"Ability","Basic skills","CYP have good problem solving skills","Young people can plan ways to solve a problem","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)","N","CYP fincap",null,null,null,"none"]
[528,"Ability","Basic skills","CYP have good problem solving skills","Young people can monitor progress in tackling a problem","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)","N","CYP fincap",null,null,null,"none"]
[529,"Ability","Basic skills","CYP have good problem solving skills","Young people can review solutions to problems and modify them if necessary","Use standardised Maths/ English tests where available (or use existing information on school grades if intervention is conducted in schools)","N","CYP fincap",null,null,null,"none"]
[530,"Ability","Basic skills","Digital literacy","Young people are able to use financial/money-related online services eg. forms, tools, emails, and online banking","Do you access to the internet at home or elsewhere?\nYes\nNo\nDon't know\n\nIF DO HAVE ACCESS\nI’d like you to think about different commercial transactions people do in their everyday lives like banking or shopping. How easy do you find it to use the internet for the following purposes? \na) Buying a product online\nb) Making travel reservations/bookings\nc) Paying bills\nd) Using your bank’s online services\ne) Comparing products and services\nf) Ordering groceries or food online\ng) Selling things online\nh) Finding the location of a house,  office, store or restaurant \n\n1. Several times a day\n2. Daily\n3. Weekly\n4. Monthly\n5. Less than monthly\n6. Never\n7. Don't know","N","Adult f/w",null,null,null,"A) Do you access to the internet at home or elsewhere?\nYes\nNo\nDon't know\n\nIF DO HAVE ACCESS\nB) I’d like you to think about different commercial transactions people do in their everyday lives like banking or shopping. How easy do you find it to use the internet for the following purposes? \na) Buying a product online\nb) Making travel reservations/bookings\nc) Paying bills\nd) Using your bank’s online services\ne) Comparing products and services\nf) Ordering groceries or food online\ng) Selling things online\nh) Finding the location of a house,  office, store or restaurant \n\n1. Several times a day\n2. Daily\n3. Weekly\n4. Monthly\n5. Less than monthly\n6. Never\n7. Don't know\n"]
[531,"Ability","Other","Wellbeing",null,"To what extent do you agree with the following\n\nThinking about money makes me anxious\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know","N","CYP fincap",null,null,null,"NQ99b: To what extent do you agree with the following\n\nThinking about money makes me anxious\n\nStrongly disagree\nSlightly disagree\nNeither agree nor disagree\nSlightly agree\nStrongly agree\nDon't know"]

{"sheet":"Parents","index":20,"n_rows":92,"n_cols":16,"rows_kept":92,"cut":false,"hidden":false,"merged":[]}
["Fincap parent outcomes framework"]
[]
[]
["No.","Area","Top Tier Outcome","Lower level outcomes","Indicators","Final Measurement tool","Picture Question","Source/ whether tested","Notes",null,"In CYP fincap survey?","CYP survey question","Join Sam question","FKY question","BN recommended Question","Mirroring"]
[532,"Overarching attitudes and knowledge","Parents believe in the importance of developing their children's financial capability","Parents recognise that money management is an important life skill",null,"Money management skills are…\n1. Very important\n2.  Fairly important\n3.  Neither important nor unimportant\n4.  Fairly unimportant\n5.  Very unimportant\n[6. Don't Know]\n",null,"NEW (Not tested)"]
[533,"Overarching attitudes and knowledge","Parents believe in the importance of developing their children's financial capability","Parents are aware that they play a vital role in developing their children's financial capability, and that what they do now in relation to money will influence their child's future behaviour","Increased awareness of their role in family's fincap; Increased awareness of childhood as key to adult financial capability (PP)","To what extent do you agree or disagree with the following statements?\nChildren grow up to be like their parents/carers are with their money\n\n(Disagree Strongly / Disagree slightly / Neither agree nor disagree / Agree slightly / Agree strongly)\n\n\nAt what age group do you think parents and carers should start doing the following with their children to help them become good with money when they grow up?\n\nTalk about how money is used in the family, e.g. paying for heating\n\nExplain the difference between price and the value of things\n\nTeach the importance of saving\n\nGive them their own spending money / allowance\n\nInvolve them in basic family spending discussions e.g. the cost of days out\n\nInvolve them in basic family spending decisions e.g. food shopping\n\nLet them manage their own day-to-day money without supervision\n\nGive them responsibility for saving up for something they want\n\nEncourage them to think about what to do with their money\n\n(Under 5 / 5-7 / 8-11 / 12-15 / 16-18 / Parents/carers shouldn't do this / Don't know)",null,"Parenting Pilot",null,"Q12. To what extent do you agree or disagree with the following statements?\nChildren grow up to be like their parents/carers are with their money\n\n(Disagree Strongly / Disagree slightly / Neither agree nor disagree / Agree slightly / Agree strongly)\n\nQ2. At what age group do you think parents and carers should start doing the following with their children to help them become good with money when they grow up?\n\nTalk about how money is used in the family, e.g. paying for heating\n\nExplain the difference between price and the value of things\n\nTeach the importance of saving\n\nGive them their own spending money / allowance\n\nInvolve them in basic family spending discussions e.g. the cost of days out\n\nInvolve them in basic family spending decisions e.g. food shopping\n\nLet them manage their own day-to-day money without supervision\n\nGive them responsibility for saving up for something they want\n\nEncourage them to think about what to do with their money\n\n(Under 5 / 5-7 / 8-11 / 12-15 / 16-18 / Parents/carers shouldn't do this / Don't know)"]
[535,"Overarching attitudes and knowledge","Parents believe in the importance of developing their children's financial capability","Parents are aware that they play a vital role in developing their children's financial capability, and that what they do now in relation to money will influence their child's future behaviour","Increased awareness of their role in family's fincap; Increased awareness of childhood as key to adult financial capability (PP)","To what extent do you agree or disagree with the following statement. How you manage your money now will influence how your child manages their money in the future?\n1. Strongly agree\n2. Agree\n3. Neither agree nor disagree\n4. Disagree\n5. Strongly disagree\n[6. Don't Know]",null,"NEW (Not tested)"]
[536,"Overarching attitudes and knowledge","Parents believe in the importance of developing their children's financial capability","Parents think it is important that they help their children develop money management skills, including budgeting and saving and avoiding problem debt",null,"How important is it to help your children  learn how to manage their money?\n1. Very important\n2. Fairly important\n3. Neither important nor unimportant\n4. Fairly unimportant\n5. Very unimportant\n[6. Don't know]\n",null,"NEW (Tested)"]
[537,"Overarching attitudes and knowledge","Parents believe in the importance of developing their children's financial capability","Parents think it is important to support the learning their children receive about money outside of the home, e.g. in school",null,"How important is it for parents to  support their children  learn about money through their school work?\n1. Very important\n2. Fairly important\n3. Neither important nor unimportant\n4. Fairly unimportant\n5. Very unimportant\n[6. Don't know]",null,"NEW (Not tested)"]
[538,"Overarching attitudes and knowledge","Parents have the knowledge and confidence to effectively support the development of their children's financial capability","Parents have absorbed the key messages provided in the intervention",null,"What can parents do to help children develop good money management skills?\n\nOPEN QUESTION:\n\nNOTE ON ADMINISTRATION: A codeable list of acceptable responses should be developed based on the intervention content/ primary aims of the course. This could included points allocated for each of the following (the following list is not exhaustive]:\n- Parents give children their own money\n-Parents give a set amount of moeny to children and stick to it\n- Parents act as role models in how they manage their own money\n-Parents talk to children  about saving, budgeting and the role of money in society\n- Parent praise children for managing money well\n-Parents positively comment on others who are good with money etc\n\nA score system should then be set and applied e.g:\n0- No answer provided/ No course content mentioned\n1- Parent identified 1 thinkg they could do\n2- Parents mentioned 2-3 things they could do\n3- Parents mentioned 4 or more thinngs they could do",null,"NEW [Not tested- should be tailored to meet intervention content]"]
[539,"Overarching attitudes and knowledge","Parents have the knowledge and confidence to effectively support the development of their children's financial capability","Parents know that it is best to start teaching children about money management from a young age (3+)",null," At what age group do you think parents and carers should start doing the following with their children to help them become good with money when they grow up?\nPlease tick one for each row\n\nTalk about how money is used in the family, e.g. paying for heating\n\nExplain the difference between price and the value of things\n\nTeach the importance of saving\n\nGive them their own spending money / allowance\n\nInvolve them in basic family spending discussions e.g. the cost of days out\n\nInvolve them in basic family spending decisions e.g. food shopping\n\nLet them manage their own day-to-day money without supervision\n\nGive them responsibility for saving up for something they want\n\nEncourage them to think about what to do with their money\n\n(Under 5 / 5-7 / 8-11 / 12-15 / 16-18 / Parents / carers shouldn’t do this / Don't know",null,"Parenting Pilot",null,"Q2. At what age group do you think parents and carers should start doing the following with their children to help them become good with money when they grow up?\nPlease tick one for each row\n\nTalk about how money is used in the family, e.g. paying for heating\n\nExplain the difference between price and the value of things\n\nTeach the importance of saving\n\nGive them their own spending money / allowance\n\nInvolve them in basic family spending discussions e.g. the cost of days out\n\nInvolve them in basic family spending decisions e.g. food shopping\n\nLet them manage their own day-to-day money without supervision\n\nGive them responsibility for saving up for something they want\n\nEncourage them to think about what to do with their money\n\n(Under 5 / 5-7 / 8-11 / 12-15 / 16-18 / Parents / carers shouldn’t do this / Don't know"]
[540,"Overarching attitudes and knowledge","Parents have the knowledge and confidence to effectively support the development of their children's financial capability","Parents know that it is best to start teaching children about money management from a young age (3+)",null,"At what age is it best to start to teach children about money management?\n1. From age 3\n2. From age 5\n3. From age 7\n4. From age 9\n5. From age 11\n6. From age 13\n7. From age 15\n[8. Don't know]",null,"NEW [Not tested]"]
[541,"Overarching attitudes and knowledge","Parents have the knowledge and confidence to effectively support the development of their children's financial capability","Parents know that children develop many financial habits and attitudes between the ages of 3 - 7",null,"At what age do children start to develop habits related to money and spending?\n1. From age 3\n2. From age 5\n3. From age 7\n4. From age 9\n5. From age 11\n6. From age 13\n7. From age 15\n[8. Don't know]",null,"NEW [Not tested]",null,"Q2. At what age group do you think parents and carers should start doing the following with their children to help them become good with money when they grow up?\nPlease tick one for each row\n\nTalk about how money is used in the family, e.g. paying for heating\n\nExplain the difference between price and the value of things\n\nTeach the importance of saving\n\nGive them their own spending money / allowance\n\nInvolve them in basic family spending discussions e.g. the cost of days out\n\nInvolve them in basic family spending decisions e.g. food shopping\n\nLet them manage their own day-to-day money without supervision\n\nGive them responsibility for saving up for something they want\n\nEncourage them to think about what to do with their money\n\n(Under 5 / 5-7 / 8-11 / 12-15 / 16-18 / Parents / carers shouldn’t do this / Don't know"]
[542,"Overarching attitudes and knowledge","Parents have the knowledge and confidence to effectively support the development of their children's financial capability","Parents understand the best time to introduce specific financial concepts, products and issues to their children",null,"At what age do you think  children can start  saving their own money?\n\n\nAt what age do you think  children can start learning about how set a budget ?\n\nAt what age do you think it is important for children to start learning about debt and borrowing?\n\n\nAt what age do you think it is important to start talking to children about how to spend money wisely?\n\nANSWER OPTIONS FOR ALL\n1. From age 3\n2. From age 5\n3. From age 7\n4. From age 9\n5. From age 11\n6. From age 13\n7. From age 15\n8. Don’t know\n\n\n",null,"NEW [General approach tested- see 5.2 of Parent cognitive interviewing report]",null,"Q2. At what age group do you think parents and carers should start doing the following with their children to help them become good with money when they grow up?\nPlease tick one for each row\n\nTalk about how money is used in the family, e.g. paying for heating\n\nExplain the difference between price and the value of things\n\nTeach the importance of saving\n\nGive them their own spending money / allowance\n\nInvolve them in basic family spending discussions e.g. the cost of days out\n\nInvolve them in basic family spending decisions e.g. food shopping\n\nLet them manage their own day-to-day money without supervision\n\nGive them responsibility for saving up for something they want\n\nEncourage them to think about what to do with their money\n\n(Under 5 / 5-7 / 8-11 / 12-15 / 16-18 / Parents / carers shouldn’t do this / Don't know"]
[543,"Overarching attitudes and knowledge","Parents have the knowledge and confidence to effectively support the development of their children's financial capability",null,null,"At what age group do you think parents and carers should start doing the following with their children to help them become good with money when they grow up?\nPlease tick one for each row\n\nTalk about how money is used in the family, e.g. paying for heating\n\nExplain the difference between price and the value of things\n\nTeach the importance of saving\n\nGive them their own spending money / allowance\n\nInvolve them in basic family spending discussions e.g. the cost of days out\n\nInvolve them in basic family spending decisions e.g. food shopping\n\nLet them manage their own day-to-day money without supervision\n\nGive them responsibility for saving up for something they want\n\nEncourage them to think about what to do with their money\n\n(Under 5 / 5-7 / 8-11 / 12-15 / 16-18 / Parents / carers shouldn’t do this / Don't know",null,"Parenting Pilot"]
[544,"Overarching attitudes and knowledge","Parents have the knowledge and confidence to effectively support the development of their children's financial capability","Parents understand the best time to introduce specific financial concepts, products and issues to their children (Continued)",null," At what age do you feel it is appropriate to share the following kinds of financial information with your child or to involve the child in the activity? \nAnswer options: \n1. From age 3\n2. From age 5\n3. From age 7\n4. From age 9\n5. From age 11\n6. From age 13\n7. From age 15\n8. From age 17\n9. From age 18\n10. From age 21\n11. From age 25\n12. Older than this\n13. Never\n14. Don’t know\nReceive an allowance\nHave a current account\nOpen a savings account\nResponsible for clothing budget\nKnow family monthly living costs\nTold family income\nHelp keep records of family income\nDiscuss major financial decisions\nFully responsible for current account\nEarn all own income\nResponsible for own credit card\n",null,"Adapted from Parental Perceptions of Children's Financial Socialization (Danes,1994)",null,"Q2. At what age group do you think parents and carers should start doing the following with their children to help them become good with money when they grow up?\nPlease tick one for each row\n\nTalk about how money is used in the family, e.g. paying for heating\n\nExplain the difference between price and the value of things\n\nTeach the importance of saving\n\nGive them their own spending money / allowance\n\nInvolve them in basic family spending discussions e.g. the cost of days out\n\nInvolve them in basic family spending decisions e.g. food shopping\n\nLet them manage their own day-to-day money without supervision\n\nGive them responsibility for saving up for something they want\n\nEncourage them to think about what to do with their money\n\n(Under 5 / 5-7 / 8-11 / 12-15 / 16-18 / Parents / carers shouldn’t do this / Don't know"]
[545,"Overarching attitudes and knowledge","Parents have the knowledge and confidence to effectively support the development of their children's financial capability","Parents feel confident in helping their children to learn about money and develop money management skills",null,"Here are some statements other parents and carers have said about teaching children about managing money. To what extent do you agree or disagree with these statements?\nPlease tick one for each row\n\nI don’t know how to talk to my child / children about money\n\nI feel comfortable discussing money and spending with my child / children\n\nChildren should be protected from understanding how money works\n\nMy parents never talked to me about money\n\nI am hiding the reality of our family finances from my child / children\n\nI know what age I should start talking to my child / children about how money works\n\n(Disagree strongly / Disagree slightly / Neither agree nor disagree / Agree slightly / Agree strongly ",null,"Parenting Pilot",null,"Q1. Here are some statements other parents and carers have said about teaching children about managing money. To what extent do you agree or disagree with these statements?\nPlease tick one for each row\n\nI don’t know how to talk to my child / children about money\n\nI feel comfortable discussing money and spending with my child / children\n\nChildren should be protected from understanding how money works\n\nMy parents never talked to me about money\n\nI am hiding the reality of our family finances from my child / children\n\nI know what age I should start talking to my child / children about how money works\n\n(Disagree strongly / Disagree slightly / Neither agree nor disagree / Agree slightly / Agree strongly "]
[546,"Overarching attitudes and knowledge","Parents have the knowledge and confidence to effectively support the development of their children's financial capability","Parents feel confident in helping their children to learn about money and develop money management skills",null,"How confident do you feel in supporting your child to learn how to manage their own money?\n1. Very confident\n2. Fairly confident\n3. Not very confident\n4. Not confident at all\n[5. Don't Know]",null,"NEW (Not tested)"]
[547,"Overarching attitudes and knowledge","Parents have the knowledge and confidence to effectively support the development of their children's financial capability","Parents feel confident talking to their children about money",null,"Here are some statements other parents and carers have said about teaching children about managing money. To what extent do you agree or disagree with these statements?\nPlease tick one for each row\n\nI don’t know how to talk to my child / children about money\n\nI feel comfortable discussing money and spending with my child / children\n\nChildren should be protected from understanding how money works\n\nMy parents never talked to me about money\n\nI am hiding the reality of our family finances from my child / children\n\nI know what age I should start talking to my child / children about how money works\n\n(Disagree strongly / Disagree slightly / Neither agree nor disagree / Agree slightly / Agree strongly ",null,"Parenting Pilot",null,"Q1. Here are some statements other parents and carers have said about teaching children about managing money. To what extent do you agree or disagree with these statements?\nPlease tick one for each row\n\nI don’t know how to talk to my child / children about money\n\nI feel comfortable discussing money and spending with my child / children\n\nChildren should be protected from understanding how money works\n\nMy parents never talked to me about money\n\nI am hiding the reality of our family finances from my child / children\n\nI know what age I should start talking to my child / children about how money works\n\n(Disagree strongly / Disagree slightly / Neither agree nor disagree / Agree slightly / Agree strongly "]
[548,"Overarching attitudes and knowledge","Parents have the knowledge and confidence to effectively support the development of their children's financial capability","Parents feel confident talking to their children about money",null,"\n\nHow comfortable do you feel talking to your child about money?\n1. Very comfortable\n2.  Fairly comfortable\n3.  Neither comfortable nor uncomfortable\n4.  Fairly uncomfortable\n5.  Very uncomfortable\n[6. Don't Know]",null,"NEW (Not tested)"]
[549,"Role-modelling financially capable behaviour","Parents role-model and are positive about good money management","Parents believe it is important to act as a good role model for their children around money management",null,"\n\nHow important do you think it is to act as a role model for your child, when it comes to managing money?\n1. Very important\n2. Fairly important\n3. Neither important nor unimportant\n4. Fairly unimportant\n5. Very unimportant\n[6. Don't Know]\n\n",null,"NEW (Not tested)"]
[550,"Role-modelling financially capable behaviour","Parents role-model and are positive about good money management","Parents feel able to act as a good role model for the children around money management",null,"How able do you feel   to demonstrate good money management skills to your child?\n1. Very able\n2. Fairly able\n3. Neither able nor unable\n4. Fairly unable\n5. Very unable\n[6. Don't Know]\n",null,"NEW (Not tested)"]
[551,"Role-modelling financially capable behaviour","Parents role-model and are positive about good money management","Parents role model good money management behaviour","Parents set a budget and stick to it.  Parent talks to child about this.","\nDo you keep track of your personal income and expenditure?  \n1. Yes\n2. No\n3. Don’t know   \n\nIf Yes:\nYou said that you keep track of your personal expenditure.  Do you set a personal budget of how much you can spend? \n1. Yes\n2. No\n3. Don’t know\n_____\n\nHave you ever talked to your child about your budget? \n1. Yes\n2. No\n3. Does not apply ",null,"First two items are FinCap items.\n\nThe last question on talking to child is NEW (not tested)."]
[552,"Role-modelling financially capable behaviour","Parents role-model and are positive about good money management","Parents role model good money management behaviour","Parents keep track of their spending  in front of CYP and explain what they are doing.","\nDo you keep track of your personal income and expenditure?  \n1. Yes\n2. No\n3. Don’t know   \n\nHow often do you check your bank balance or statements when your child is present?\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n\nHave you explained to your child what you are doing when you check your bank balance or statements?\n1. Yes\n2. No\n3. Does not apply \n",null,"First question is a FinCap item. The last two are NEW (Not tested)"]
[553,"Role-modelling financially capable behaviour","Parents role-model and are positive about good money management","Parents role model good money management behaviour","Parents demonstrate saving in front of their children","\nWhich of these best describes how often you save money?\nPlease tick one only\n\nEvery months\nMost months\nSome months but not others\nRarely / never\nDon't know\nPrefer not to say\n\nHave you explained to your child about why you are putting money aside?\n1. Yes\n2. No\n3. Does not apply \n",null,"First question from Parenting Pilot; Second question NEW (Not tested)",null,"Q13. Which of these best describes how often you save money?\nPlease tick one only\n\nEvery months\nMost months\nSome months but not others\nRarely / never\nDon't know\nPrefer not to say"]
[554,"Role-modelling financially capable behaviour","Parents emphasise self-control around money","Parents set clear boundaries around spending for their children and stick to them","Increased number set and stick to money agreements and responsibilities with their child (PP)","Do you have any family agreements about money in place for this child?\n\nYes, lots\nYes, some\nNo\n\nIF YES, please tell us about the types of family agreements you have in place below:\n\nIF YES, how often are you and your family able to stick to these agreements?\nPlease tick one answer\n\nNever /Rarely / Sometimes / Often / All the time / Don't know\n\nIF NO, please share why, for the time being, you do not have any money agreements in place ",null,"Parenting Pilot",null,"Q7. Do you have any family agreements about money in place for this child?\n\nYes, lots\nYes, some\nNo\n\nIF YES at Q7, please tell us about the types of family agreements you have in place below:\n\nIF YES at Q7, how often are you and your family able to stick to these agreements?\nPlease tick one answer\n\nNever /Rarely / Sometimes / Often / All the time / Don't know\n\nIF NO at Q7, please share why, for the time being, you do not have any money agreements in place "]
[555,"Role-modelling financially capable behaviour","Parents emphasise self-control around money","Parents set clear boundaries around spending for their children and stick to them",null," How often does your child pester you to buy things because they have spent all their own money?\n1. Often\n2. Sometimes\n3 Rarely\n4. Never\n[5.  Don’t know]\n\nWhen your child asks for more money how often do you give this to them?\n1. Often\n2. Sometimes\n3 Rarely\n4. Never\n[5.  Don’t know]\n",null,"NEW [Not tested]"]
[556,"Role-modelling financially capable behaviour","Parents emphasise self-control around money","Parents are able to resist ‘pester power’ ",null,"\nHow confident are you that you can resist ‘pester power’ when your child wants you to buy them something?\n1. Very confident\n2. Fairly confident\n3. Not very confident\n4. Not confident at all\n[5. Don’t know]\n",null,"NEW [Not tested]",null,"Q11. To what extent would you say the following statement applies to you personally?\n“I feel under pressure to spend money on my children even when I can’t afford it”\nPlease answer on a scale of 0 to 10, where 0 means it doesn’t sound like you at all and 10 means it sounds a lot like you. Please tick one answer.\n(0-10 scale)"]
[557,"Role-modelling financially capable behaviour","Parents emphasise self-control around money","Parents don't feel pressure to spend money on things their children want but don’t need",null,"To what extent would you say the following statement applies to you personally?\n“I feel under pressure to spend money on my children even when I can’t afford it”\nPlease answer on a scale of 0 to 10, where 0 means it doesn’t sound like you at all and 10 means it sounds a lot like you. Please tick one answer.\n(0-10 scale)",null,"Parenting Pilot",null,"Q11. "]
[558,"Role-modelling financially capable behaviour","Parents emphasise self-control around money","Parents don't feel pressure to spend money on things their children want but don’t need",null,"\nHow much pressure,  if any, do you feel to spend money on your child for things they don’t need?\n1. A lot of pressure\n2. Some pressure\n3. No pressure\n[4. Don't Know]",null,"NEW [Tested]"]
[559,"Role-modelling financially capable behaviour","Parents emphasise self-control around money","Parents praise children when they demonstrate self-control in relation to money.\n\n\n\n\n\n\n","Parents praise their children when they demonstrate good money management\n","How often do you praise your child for showing self-control when it comes to spending money?\n1. Often\n2. Sometimes\n3 Rarely\n4. Never\n[5.  Don’t know]\n\nHow often do you praise your child for making sensible choices about what to spend their money on?\n1. Often\n2. Sometimes\n3 Rarely\n4. Never\n[5.  Don’t know]",null,"NEW [Not tested]"]
[560,"Demonstrating, explaining and involving in household finances","Parents talk about, explain and involve children in everyday household money management","Parents talk openly about money to their children, and encourage their children to come to them with any questions and concerns about money","Increased discussions about how money is used; Increased money management discussions with children (PP)","Here are some statements other parents and carers have said about teaching children about managing money. To what extent do you agree or disagree with these statements?\nPlease tick one for each row\n\nI don’t know how to talk to my child / children about money\n\nI feel comfortable discussing money and spending with my child / children\n\nChildren should be protected from understanding how money works\n\nMy parents never talked to me about money\n\nI am hiding the reality of our family finances from my child / children\n\nI know what age I should start talking to my child / children about how money works\n\n(Disagree strongly / Disagree slightly / Neither agree nor disagree / Agree slightly / Agree strongly",null,"Parenting Pilot",null,"Q1. Here are some statements other parents and carers have said about teaching children about managing money. To what extent do you agree or disagree with these statements?\nPlease tick one for each row\n\nI don’t know how to talk to my child / children about money\n\nI feel comfortable discussing money and spending with my child / children\n\nChildren should be protected from understanding how money works\n\nMy parents never talked to me about money\n\nI am hiding the reality of our family finances from my child / children\n\nI know what age I should start talking to my child / children about how money works\n\n(Disagree strongly / Disagree slightly / Neither agree nor disagree / Agree slightly / Agree strongly \n\nQ2. At what age group do you think parents and carers should start doing the following with their children to help them become good with money when they grow up?\nPlease tick one for each row\n\nTalk about how money is used in the family, e.g. paying for heating\n\nExplain the difference between price and the value of things\n\nTeach the importance of saving\n\nGive them their own spending money / allowance\n\nInvolve them in basic family spending discussions e.g. the cost of days out\n\nInvolve them in basic family spending decisions e.g. food shopping\n\nLet them manage their own day-to-day money without supervision\n\nGive them responsibility for saving up for something they want\n\nEncourage them to think about what to do with their money\n\n(Under 5 / 5-7 / 8-11 / 12-15 / 16-18 / Parents / carers shouldn’t do this / Don't know\n\n"]
[561,"Demonstrating, explaining and involving in household finances","Parents talk about, explain and involve children in everyday household money management","Parents talk openly about money to their children, and encourage their children to come to them with any questions and concerns about money",null,"How comfortable do you feel talking to your child about money?\n1. Very comfortable\n2.  Fairly comfortable\n3.  Neither comfortable nor uncomfortable\n4.  Fairly uncomfortable\n5.  Very uncomfortable\n[6. Don't Know]\n\n\n",null,"NEW [Not tested]"]
[562,"Demonstrating, explaining and involving in household finances","Parents talk about, explain and involve children in everyday household money management","Parents explain that money is limited and that they have to make trade-offs when spending it","Increased discussions about how money is used; Increased money management discussions with children (PP)","Have you ever explained to your child that  money is limited and that they therefore can’t have everything they want? \n1.  Yes\n2. No\n[3. Don't Know]\n\nHow often do you  explain to your child that money is limited and that they therefore can’t have everything they want?\n\n1. Often\n2. Sometimes\n3. Rarely\n4. Never\n[5. Don’t know]\n\nIf your child wanted you to buy them two items would you:\n1. Buy them both\n2. Make them pick one\n[3. Don't Know] \n\nHow often do you talk to your child about how to you decide what to buy and what not to buy?\n1. Often\n2. Sometimes\n3 Rarely\n4. Never\n[5.  Don’t know]",null,"NEW [First item tested- others not tested]",null,"Q8. How well do you think this child understands the following about money?\nPlease tick one for each row\n\nThat money has a value\n\nWhere your day-to-day money comes from\n\nThat you have to make choices when you spend your money\n\nThat you do not have an endless amount of money\n\nThat adverts and some TV programmes are trying to sell them things\n\n(Not at all well / Not very well / Quite well / Very well / Don't know"]
[563,"Demonstrating, explaining and involving in household finances","Parents talk about, explain and involve children in everyday household money management","Parents explain the difference between wants and needs",null,"Have you ever explained to your child that  there is a different between things they 'want' and things they 'need'? \n1.  Yes\n2. No\n[3. Don't Know]",null,"NEW [Not tested]",null,"Q9. Is this child able to do any of the following?\nPlease tick one for each row\n\nSave up for a short period of time to buy something they want\n\nUnderstand why you are saying “no” to buying something\n\nManage their own day-to-day money or allowance\n\nExplain the choices they make when they spend their money\n\nFocus on an activity they have been asked to / decided to do\n\nFinish a task they have been asked to / decided to do\n\nAble to recognise the difference between something they want (e.g. sweets), and something they need (e.g. food)\n\n(No / Yes, sometimes / Yes, definitely / Don't know / N/A (my child doesn't have their own money))"]
[564,"Demonstrating, explaining and involving in household finances","Parents talk about, explain and involve children in everyday household money management","Parents explain the difference between wants and needs",null,"Is this child able to do any of the following?\nPlease tick one for each row\n\nSave up for a short period of time to buy something they want\n\nUnderstand why you are saying “no” to buying something\n\nManage their own day-to-day money or allowance\n\nExplain the choices they make when they spend their money\n\nFocus on an activity they have been asked to / decided to do\n\nFinish a task they have been asked to / decided to do\n\nAble to recognise the difference between something they want (e.g. sweets), and something they need (e.g. food)\n\n(No / Yes, sometimes / Yes, definitely / Don't know / N/A (my child doesn't have their own money))",null,"Parenting Pilot"]
[565,"Demonstrating, explaining and involving in household finances","Parents talk about, explain and involve children in everyday household money management","Parents talk to their children about the costs of what they want to buy","Increased discussions about how money is used; Increased money management discussions with children (PP)","How often do you talk to your child about the cost of things you or they want to buy?\n1. Often\n2. Sometimes\n3 Rarely\n4. Never\n[5.  Don’t know]\n",null,"NEW [Not tested]",null,"Q2. At what age group do you think parents and carers should start doing the following with their children to help them become good with money when they grow up?\nPlease tick one for each row\n\nTalk about how money is used in the family, e.g. paying for heating\n\nExplain the difference between price and the value of things\n\nTeach the importance of saving\n\nGive them their own spending money / allowance\n\nInvolve them in basic family spending discussions e.g. the cost of days out\n\nInvolve them in basic family spending decisions e.g. food shopping\n\nLet them manage their own day-to-day money without supervision\n\nGive them responsibility for saving up for something they want\n\nEncourage them to think about what to do with their money\n\n(Under 5 / 5-7 / 8-11 / 12-15 / 16-18 / Parents / carers shouldn’t do this / Don't know"]
[566,"Demonstrating, explaining and involving in household finances","Parents talk about, explain and involve children in everyday household money management","Parents talk to their children about how to spend their money wisely and explain simple money-saving strategies (eg. shopping around/ only buy what you need)","Increased discussions about how money is used; Increased money management discussions with children; Increased number involve children in family conversations around money (PP)","Have you ever explained to your child about the things you might do to save money, such as shopping around or only buying what you need?\n1. Yes\n2. No\n",null,"NEW [Not tested]"]
[567,"Demonstrating, explaining and involving in household finances","Parents talk about, explain and involve children in everyday household money management","Parents involve their children in household spending decisions (e.g. deciding what to buy in weekly shop, or making decisions about a larger purchase such as a holiday)","Increased number involve children in basic family spending decisions (PP)","How often do you involve your child in household spending decisions, for example what you buy in a weekly shop?\n1. Often\n2. Sometimes\n3 Rarely\n4. Never\n[5.  Don’t know]",null,"NEW [Not tested]",null,"Q2. At what age group do you think parents and carers should start doing the following with their children to help them become good with money when they grow up?\nPlease tick one for each row\n\nTalk about how money is used in the family, e.g. paying for heating\n\nExplain the difference between price and the value of things\n\nTeach the importance of saving\n\nGive them their own spending money / allowance\n\nInvolve them in basic family spending discussions e.g. the cost of days out\n\nInvolve them in basic family spending decisions e.g. food shopping\n\nLet them manage their own day-to-day money without supervision\n\nGive them responsibility for saving up for something they want\n\nEncourage them to think about what to do with their money\n\n(Under 5 / 5-7 / 8-11 / 12-15 / 16-18 / Parents / carers shouldn’t do this / Don't know"]
[568,"Demonstrating, explaining and involving in household finances","Parents talk about, explain and involve children in everyday household money management","Parents involve their children in household spending decisions (e.g. deciding what to buy in weekly shop, or making decisions about a larger purchase such as a holiday)",null,"At what age group do you think parents and carers should start doing the following with their children to help them become good with money when they grow up?\nPlease tick one for each row\n\nTalk about how money is used in the family, e.g. paying for heating\n\nExplain the difference between price and the value of things\n\nTeach the importance of saving\n\nGive them their own spending money / allowance\n\nInvolve them in basic family spending discussions e.g. the cost of days out\n\nInvolve them in basic family spending decisions e.g. food shopping\n\nLet them manage their own day-to-day money without supervision\n\nGive them responsibility for saving up for something they want\n\nEncourage them to think about what to do with their money\n\n(Under 5 / 5-7 / 8-11 / 12-15 / 16-18 / Parents / carers shouldn’t do this / Don't know",null,"Parenting Pilot"]
[569,"Demonstrating, explaining and involving in household finances","Parents talk about, explain and involve children in everyday household money management","Parents explain how to budget and save, and why they are important",null,"\nHow often do you encourage your child to save up for things they want to purchase?\n1. Often\n2. Sometimes\n3 Rarely\n4. Never\n5. My child does not have their own money\n\n",null,"NEW [Not tested]",null,"Q2. At what age group do you think parents and carers should start doing the following with their children to help them become good with money when they grow up?\nPlease tick one for each row\n\nTalk about how money is used in the family, e.g. paying for heating\n\nExplain the difference between price and the value of things\n\nTeach the importance of saving\n\nGive them their own spending money / allowance\n\nInvolve them in basic family spending discussions e.g. the cost of days out\n\nInvolve them in basic family spending decisions e.g. food shopping\n\nLet them manage their own day-to-day money without supervision\n\nGive them responsibility for saving up for something they want\n\nEncourage them to think about what to do with their money\n\n(Under 5 / 5-7 / 8-11 / 12-15 / 16-18 / Parents / carers shouldn’t do this / Don't know"]
[570,"Demonstrating, explaining and involving in household finances","Parents talk about, explain and involve children in everyday household money management","Parents understand that it is beneficial to involve children in household spending decisions",null,"How important do you think it is to involve your child in household spending decisions?\n1. Very important\n2. Fairly important\n3. Neither important nor unimportant\n4. Fairly unimportant\n5. Very unimportant\n[6.  Don’t know]\n",null,"NEW [Not tested]",null,"Q2. At what age group do you think parents and carers should start doing the following with their children to help them become good with money when they grow up?\nPlease tick one for each row\n\nTalk about how money is used in the family, e.g. paying for heating\n\nExplain the difference between price and the value of things\n\nTeach the importance of saving\n\nGive them their own spending money / allowance\n\nInvolve them in basic family spending discussions e.g. the cost of days out\n\nInvolve them in basic family spending decisions e.g. food shopping\n\nLet them manage their own day-to-day money without supervision\n\nGive them responsibility for saving up for something they want\n\nEncourage them to think about what to do with their money\n\n(Under 5 / 5-7 / 8-11 / 12-15 / 16-18 / Parents / carers shouldn’t do this / Don't know"]
[571,"Demonstrating, explaining and involving in household finances","Parents talk about, explain and involve children in everyday household money management","Parents talk to children about the cost of living (eg. electricity, water, mobile phone, transport etc)",null,"\nHave you explained to your child that utilities, for example mobile phones, water and electricity, cost money?\n1. Yes\n2. No\n[3.  Don’t know]",null,"NEW [Not tested]",null,"Q2. At what age group do you think parents and carers should start doing the following with their children to help them become good with money when they grow up?\nPlease tick one for each row\n\nTalk about how money is used in the family, e.g. paying for heating\n\nExplain the difference between price and the value of things\n\nTeach the importance of saving\n\nGive them their own spending money / allowance\n\nInvolve them in basic family spending discussions e.g. the cost of days out\n\nInvolve them in basic family spending decisions e.g. food shopping\n\nLet them manage their own day-to-day money without supervision\n\nGive them responsibility for saving up for something they want\n\nEncourage them to think about what to do with their money\n\n(Under 5 / 5-7 / 8-11 / 12-15 / 16-18 / Parents / carers shouldn’t do this / Don't know"]
[572,"Demonstrating, explaining and involving in household finances","Parents talk about, explain and involve children in everyday household money management","Parents talk to young people about how to manage household finances and set-up bills (16+)",null,"(16+) Now think about a child you have who is 16 or older. How often do you talk to your child about how to manage household finances?\n1. Often\n2. Sometimes\n3 Rarely\n4. Never\n[5.  Don’t know]\n\n (16+) Have you talked to your child about how to set-up bills  such a phone and electricity bills?\n1. Yes\n2. No\n[3.  Don’t know]",null,"NEW [Not tested]"]
[573,"Demonstrating, explaining and involving in household finances","Parents talk about, explain and involve children in everyday household money management","Parents talk to young people about how and why people get into debt and the negative consequences that can result (11+)",null,"Have you ever spoken to your child about why people get into debt and the problems this can cause?\n1. Yes\n2. No\n[3.  Don’t know]\n",null,"NEW [Not tested]"]
[574,"Demonstrating, explaining and involving in household finances","Parents talk about, explain and involve children in everyday household money management","Parents explain how to work out everyday financial questions involving maths to children, and support them to do so",null,"\nHow often does someone at home help your child solve money questions involving maths? \nFor example how to work out the correct change, how to work out interest, or any other question involving money.\n1. Never\n2. Occasionally or less than once a week\n3. 1 or 2 days per week\n4. 3 or 4 times a week\n5. 5 times a week or more\n6. Don’t know\n\n",null,"NEW[ Tested]"]
[575,"Demonstrating, explaining and involving in household finances","Parents use financial products and make transactions in front of their children, and explain them in a way they can understand","Parents use different methods of payment in front of their children (cash, card, online)",null,"How often do you do the following in front of your child?\n(GRID: Answer options:  Often, Sometimes, Rarely, Never , Don't Know)   \nPay for things using cash       \nPay for things using a debit or credit card      \nPay for things online                                         \nChecked the balance of a bank account                            \nUsed online banking to check a bank account                 \nChecked the balance on a credit card    \nUsed a cash machine to withdraw money                           \n\n{If yes }Do you ever explain to your child what you are doing when you are…\n(GRID Yes/No)\nPay for things using cash       \nPay for things using a debit or credit card      \nPay for things online                                         \nChecked the balance of a bank account                            \nUsed online banking to check a bank account                 \nChecked the balance on a credit card    \nUsed a cash machine to withdraw money         ",null,"NEW [Not tested]"]
[576,"Demonstrating, explaining and involving in household finances","Parents use financial products and make transactions in front of their children, and explain them in a way they can understand","Parents use different financial products in front of their children (eg. check current accounts, pay into savings accounts, use online banking etc)",null,"How often do you do the following in front of your child?\n(GRID: Answer options:  Often, Sometimes, Rarely, Never , Don't Know)   \nPay for things using cash       \nPay for things using a debit or credit card      \nPay for things online                                         \nChecked the balance of a bank account                            \nUsed online banking to check a bank account                 \nChecked the balance on a credit card    \nUsed a cash machine to withdraw money                           \n\n{If yes }Do you ever explain to your child what you are doing when you are…\n(GRID Yes/No)\nPay for things using cash       \nPay for things using a debit or credit card      \nPay for things online                                         \nChecked the balance of a bank account                            \nUsed online banking to check a bank account                 \nChecked the balance on a credit card    \nUsed a cash machine to withdraw money         ",null,"NEW [Not tested]"]
[577,"Demonstrating, explaining and involving in household finances","Parents use financial products and make transactions in front of their children, and explain them in a way they can understand","Parents talk to their children about what they are doing while using financial products and making transactions",null,"How often do you do the following in front of your child?\n(GRID: Answer options:  Often, Sometimes, Rarely, Never , Don't Know)   \nPay for things using cash       \nPay for things using a debit or credit card      \nPay for things online                                         \nChecked the balance of a bank account                            \nUsed online banking to check a bank account                 \nChecked the balance on a credit card    \nUsed a cash machine to withdraw money                           \n\n{If yes }Do you ever explain to your child what you are doing when you are…\n(GRID Yes/No)\nPay for things using cash       \nPay for things using a debit or credit card      \nPay for things online                                         \nChecked the balance of a bank account                            \nUsed online banking to check a bank account                 \nChecked the balance on a credit card    \nUsed a cash machine to withdraw money         ",null,"NEW [Not tested]"]
[578,"Demonstrating, explaining and involving in household finances","Parents use financial products and make transactions in front of their children, and explain them in a way they can understand","Parents talk to young people about how to select the best financial product for them",null,"[The next few questions are whether you have talked to your child about various topics] Have you talked to your child about the kind of things you have to consider when choosing a financial product, for example a bank account or savings account?\n1. Yes\n2. No\n[3.Don’t know]",null,"NEW [Not tested]"]
[579,"Demonstrating, explaining and involving in household finances","Parents use financial products and make transactions in front of their children, and explain them in a way they can understand","Parents talk to children about borrowing money / sources of credits and the risks associated with this (16+)",null,"[The next few questions are whether you have talked to your child about various topics] How often do you talk to your child about the risks associated with borrowing money, and the impact of getting into debt?\n1. Often\n2.Sometimes\n3 Rarely\n4.Never\n[5.Don’t know]\n",null,"NEW [Not tested]"]
[580,"Demonstrating, explaining and involving in household finances","Parents talk to children about consumer society","Parents talk to children about marketing (eg. adverts are designed to make you want to buy things, promotions (e.g. 3 for 2) are designed to make people spend more etc)",null,"[The next few questions are whether you have talked to your child about various topics] \nHow often do you explain the purpose of adverts and the tactics companies use to sell more products to your child?\n\n1. Often\n2.Sometimes\n3 Rarely\n4.Never\n[5.Don’t know]",null,"NEW [Tested and revised]",null,"Q10. How often do you talk to this child about…?\nPlease tick one for each row\n\nWhere the money your household has comes from\n\nThe choices you make when spending your money\n\nHow to save up for things they want\n\nThat companies try to sell them things in adverts and some TV programmes\n\n(Never / Rarely / Sometimes / Often / Don't know)"]
[581,"Demonstrating, explaining and involving in household finances","Parents talk to children about consumer society","Parents explain techniques for resisting consumer pressure to children",null,"[The next few questions are whether you have talked to your child about various topics]. Have  you ever talked to your child about how they shouldn’t buy things just to fit in with friends?\n1. Yes\n2. No\n[3.  Don’t know]\n",null,"NEW [Not tested]"]
[582,"Demonstrating, explaining and involving in household finances","Parents talk to children about the link between money and jobs, and encourage aspirations and financial independence","Parents talk to children about where their money comes from",null,"[The next few questions are whether you have talked to your child about various topics] How often have you talked to your child about where your household income comes from?\n1. Often\n2.Sometimes\n3 Rarely\n4.Never\n[5.Don’t know]\n",null,"NEW [Tested and revised]",null,"Q10. How often do you talk to this child about…?\nPlease tick one for each row\n\nWhere the money your household has comes from\n\nThe choices you make when spending your money\n\nHow to save up for things they want\n\nThat companies try to sell them things in adverts and some TV programmes\n\n(Never / Rarely / Sometimes / Often / Don't know)"]
[583,"Demonstrating, explaining and involving in household finances","Parents talk to children about the link between money and jobs, and encourage aspirations and financial independence","Parents talk to children about work and how different jobs have different salaries",null,"[The next few questions are whether you have talked to your child about various topics] How often have you talked to your child about how different jobs have different salaries?\n1. Often\n2.Sometimes\n3 Rarely\n4.Never\n[5.Don’t know]",null,"NEW [Not tested]"]
[584,"Demonstrating, explaining and involving in household finances","Parents talk to children about the link between money and jobs, and encourage aspirations and financial independence","Parents talk to their children about further education and future plans and the financial implications of/options for those plans (16+)",null,"How often do you talk to your child about what they could do after they finish their education?\n1. Often\n2.Sometimes\n3 Rarely\n4.Never\n[5.Don’t know]\n\n\n\n(16+) How confident would you feel providing your child with advice on how they can fund their studies after the leave the school?\n1. Very confident\n2. Fairly confident\n3. Not very confident\n4. Not confident at all\n[5.Don't Know]\n",null,"NEW [Not tested]"]
[585,"Demonstrating, explaining and involving in household finances","Parents talk to children about the link between money and jobs, and encourage aspirations and financial independence","Parents encourage their children's aspirations and their financial independence (16+)","Parents help their children think about their careers and help them plan how they can reach their career goals. ","How often do you talk to your child about what careers they could in the future?\n1. Often\n2.Sometimes\n3 Rarely\n4.Never\n[5.Don’t know]\n\nDoes your child know roughly what career they want to do in the future?\n1. Yes\n2. No\n3. Don't know\n\n{If yes} How often do you give your child advice on how they can get the career they want?\n1. Often\n2.Sometimes\n3 Rarely\n4.Never\n[5.Don’t know]",null,"NEW (Not tested)"]
[586,"Supporting learning about money through experience","Parents provide children with a set amount of money and support them to manage it themselves","Parents think it is important for children to have their own money from a young age (3+) and be given an appropriate amount of responsibility for it",null,"How important do you think it is for your child to manage their own money?\n1. Very important\n2. Fairly important\n3. Neither important nor unimportant\n4. Fairly unimportant\n5. Very unimportant\n[6.Don't know]\n",null,"NEW [Not tested]",null,"Q5. In which of the following ways does this child get money of their own?\nPlease tick all that apply\n\nRegular pocket money\n\nIn return for good behaviour or helping out at home / chores\n\nNow and again on special days out or holidays\n\nBirthdays / Christmas / Other celebrations\n\nWhen they see Grandparents or other close family friends / relatives\n\nIrregularly or when we have some money to spare\n\nNone – My child doesn’t have any money of their own\n\nOther (please state) ________________________________________\n\nDon’t know"]
[587,"Supporting learning about money through experience","Parents provide children with a set amount of money and support them to manage it themselves","Parents think it is important for children to have their own money from a young age (3+) and be given an appropriate amount of responsibility for it",null,"In which of the following ways does this child get money of their own?\nPlease tick all that apply\n\nRegular pocket money\n\nIn return for good behaviour or helping out at home / chores\n\nNow and again on special days out or holidays\n\nBirthdays / Christmas / Other celebrations\n\nWhen they see Grandparents or other close family friends / relatives\n\nIrregularly or when we have some money to spare\n\nNone – My child doesn’t have any money of their own\n\nOther (please state) ________________________________________\n\nDon’t know",null,"Parenting Pilot"]
[588,"Supporting learning about money through experience","Parents provide children with a set amount of money and support them to manage it themselves","Parents provide their children with a regular set amount of pocket money",null,"In which of the following ways does this child get money of their own?\nPlease tick all that apply\n\nRegular pocket money\n\nIn return for good behaviour or helping out at home / chores\n\nNow and again on special days out or holidays\n\nBirthdays / Christmas / Other celebrations\n\nWhen they see Grandparents or other close family friends / relatives\n\nIrregularly or when we have some money to spare\n\nNone – My child doesn’t have any money of their own\n\nOther (please state) ________________________________________\n\nDon’t know",null,"Parenting Pilot",null,"Q5. In which of the following ways does this child get money of their own?\nPlease tick all that apply\n\nRegular pocket money\n\nIn return for good behaviour or helping out at home / chores\n\nNow and again on special days out or holidays\n\nBirthdays / Christmas / Other celebrations\n\nWhen they see Grandparents or other close family friends / relatives\n\nIrregularly or when we have some money to spare\n\nNone – My child doesn’t have any money of their own\n\nOther (please state) ________________________________________\n\nDon’t know"]
[589,"Supporting learning about money through experience","Parents provide children with a set amount of money and support them to manage it themselves"]
[590,"Supporting learning about money through experience","Parents provide children with a set amount of money and support them to manage it themselves","Parents believe  children should  manage their own money, including making their own decisions about whether to spend or save it and allow their child to do this. ",null,"Who is mainly responsible for deciding how your child’s pocket money or allowance is spent?  \n1. I am\n2. Another family member or carer is\n3. My child is\n4. My child is not given any money\n[5. Don’t know]\n\nTo what extent do you agree or disagree with the following statements. \n\na) Children should be allowed to make their own mistakes with their pocket money\nb) It is best if parents manage their children’s money for them\n(c) Children should decide whether to save their own pocket money.\n(d) Children should decide whether to  spend their own pocket money.\n\n1. Strongly agree\n2. Agree\n3. Neither agree nor disagree\n4. Disagree\n5. Strongly disagree\n[6. Don’t know]\n\n\n\n",null,"NEW [Tested and revised]",null,"Q5. In which of the following ways does this child get money of their own?\nPlease tick all that apply\n\nRegular pocket money\n\nIn return for good behaviour or helping out at home / chores\n\nNow and again on special days out or holidays\n\nBirthdays / Christmas / Other celebrations\n\nWhen they see Grandparents or other close family friends / relatives\n\nIrregularly or when we have some money to spare\n\nNone – My child doesn’t have any money of their own\n\nOther (please state) ________________________________________\n\nDon’t know"]
[591,"Supporting learning about money through experience","Parents provide children with a set amount of money and support them to manage it themselves","Parents encourage and support their children to make a plan for what to spend their money on and/or budget and stick to it","Increased number allowing their child to make money choices (PP)","\nHow often do you encourage your child to plan what they are going to spend their money on?\n1. Often\n2.Sometimes\n3 Rarely\n4.Never\n[5.Don’t know]\n\n",null,"NEW [Not tested]\n",null,"Q2. At what age group do you think parents and carers should start doing the following with their children to help them become good with money when they grow up?\nPlease tick one for each row\n\nTalk about how money is used in the family, e.g. paying for heating\n\nExplain the difference between price and the value of things\n\nTeach the importance of saving\n\nGive them their own spending money / allowance\n\nInvolve them in basic family spending discussions e.g. the cost of days out\n\nInvolve them in basic family spending decisions e.g. food shopping\n\nLet them manage their own day-to-day money without supervision\n\nGive them responsibility for saving up for something they want\n\nEncourage them to think about what to do with their money\n\n(Under 5 / 5-7 / 8-11 / 12-15 / 16-18 / Parents / carers shouldn’t do this / Don't know"]
[592,"Supporting learning about money through experience","Parents provide children with a set amount of money and support them to manage it themselves","Parents encourage and support their children to save",null,"How often do you talk to your child about the importance of saving money up for things they want?\n1. Often\n2.Sometimes\n3 Rarely\n4.Never\n[5.Don’t know]\n\nHow often do you encourage your child to save up for things they want to purchase?\n1. Often\n2.Sometimes\n3 Rarely\n4.Never\n[5.Don’t know]",null,"NEW [Not tested]\n",null,"Q10. How often do you talk to this child about…?\nPlease tick one for each row\n\nWhere the money your household has comes from\n\nThe choices you make when spending your money\n\nHow to save up for things they want\n\nThat companies try to sell them things in adverts and some TV programmes\n\n(Never / Rarely / Sometimes / Often / Don't know)"]
[593,"Supporting learning about money through experience","Parents provide children with a set amount of money and support them to manage it themselves","Parents allow their children to make payments in different ways, including online",null,"In which of these ways has your child made a payment? (Tick all that apply)\n1. In person using cash\n2. In person using card\n3. Online\n4. None of these\n[5. Don’t know]\n",null,"NEW [Not tested]\n"]
[594,"Supporting learning about money through experience","Parents provide children with a set amount of money and support them to manage it themselves","Parents allow children to make mistakes with their money and help them learn from those experiences","Increased number allowing their child to make money choices (PP)","If your child lost some of their money would you replace it?\n1. Definitely would\n2. Probably would\n3. Definitely would not\n[4.Don't know]\n\nWhich of the following statements comes closest to your view? Please think about your child and other children of their age when answering. \n1. Parents should manage their children’s money for them \n2. Children should be allowed manage their own money \n[3. Don't Know]\n",null,"NEW [Not tested]\n",null,"Q2. At what age group do you think parents and carers should start doing the following with their children to help them become good with money when they grow up?\nPlease tick one for each row\n\nTalk about how money is used in the family, e.g. paying for heating\n\nExplain the difference between price and the value of things\n\nTeach the importance of saving\n\nGive them their own spending money / allowance\n\nInvolve them in basic family spending discussions e.g. the cost of days out\n\nInvolve them in basic family spending decisions e.g. food shopping\n\nLet them manage their own day-to-day money without supervision\n\nGive them responsibility for saving up for something they want\n\nEncourage them to think about what to do with their money\n\n(Under 5 / 5-7 / 8-11 / 12-15 / 16-18 / Parents / carers shouldn’t do this / Don't know"]
[595,"Supporting learning about money through experience","Parents provide children with a set amount of money and support them to manage it themselves","Parents give older children responsibility for paying for the things they need (eg. school lunches, clothes) out of their pocket money or an allowance (11+)","Increased number allowing their child to make money choices; Increased number set and stick to money rules and responsibilities with their child (PP)","Does your child have to use their own allowance when buying any of the following things they need? Tick all that apply,\n1. School dinners\n2. School uniform\n3. School equipment\n4. Mobile phone credit or bill\n5. Other bills\n6. None of the above\n7. [Don't know]",null,"NEW [not tested]"]
[596,"Supporting learning about money through experience","Parents help their children to access financial products, and support them to take an active role in selecting the products","Parents support their children to open and use their own current account",null,"Does your child have a current account, held in their own name?\n1. Yes\n2. No\n[3.Don't know]",null,"NEW [Not tested]"]
[597,"Supporting learning about money through experience","Parents help their children to access financial products, and support them to take an active role in selecting the products","Parents support children to open and use their own savings account",null,"Does child have a savings account or junior ISA, held in their own name?\n1. Yes\n2. No\n[3.Don't know]",null,"NEW [Not tested]"]
[598,"Supporting learning about money through experience","Parents help their children to access financial products, and support them to take an active role in selecting the products","Parents support children to choose their own current or savings account (7+)",null,"\nHave you ever involved your child in decisions about which financial products to choose for them, such as a bank or savings account, or a Junior ISA? \n1. Yes\n2. No\n3. My child does not have an account\n(4. Don’t know)\n\n",null,"NEW [Tested]"]
[599,"Supporting learning about money through experience","Parents help their children to access financial products, and support them to take an active role in selecting the products","Parents support children to choose their own mobile phone provider and package (11+)",null,"Did you let your child pick their own mobile phone provider?\n1. Yes\n2. No\n3. Does not apply- Child does not have a phone\n\nDid you let your child pick their own mobile phone package?\n1. Yes\n2. No\n3. Does not apply- Child does not have a phone\n",null,"NEW [Not tested]"]
[600,"Supporting broader development","Parents encourage and support their children's broader development","Parents support their children with their literacy, numeracy and wider school work","Parents help young children learn letters, words and numbers (3-4)","{If children aged 3-4} How often does someone at home help (child) to learn the ABC or alphabet?\n\nHow often does someone at home look at books with or read to your child? \n\nHow often does someone at home teach your child numbers or counting?\n\n\nANSWER OPTIONS FOR ALL: \n1. Occasionally or less than once a week\n2. 1 or 2 days per week\n3. 3 or 4 times a week\n4. 5 times a week or more\n\n\n",null,"Adapted from Study of Early Education and Development (SEED). "]
[601,"Supporting broader development","Parents encourage and support their children's broader development","Parents support their children with their literacy, numeracy and wider school work","Parents show interest in CYP’s general school work (5+)","Thinking in general about children and education, would you say that a child's education is…\n\nWholly the parents' responsibility\nMainly the parents' responsibility\nMainly the school's responsibility\nWholly the school's responsibility\nBoth equally\n",null,"Taken from Avon Longitudinal Study of Children and Parents (ALSPAC)"]
[602,"Supporting broader development","Parents encourage and support their children's broader development","Parents support their children with their literacy, numeracy and wider school work","Parents support CYP in their Maths/English schoolwork (5+)","{If children aged 5+} How often does someone at home teach your child maths or help with maths homework? \n1. Occasionally or less than once a week\n2. 1 or 2 days per week\n3. 3 or 4 times a week\n4. 5 times a week or more\n\n{If children aged 5+} How often does someone at home teach your child words or help with English homework? \n1. Occasionally or less than once a week\n2. 1 or 2 days per week\n3. 3 or 4 times a week\n4. 5 times a week or more",null,"NEW- Format adapted from Study of Early Education and Development (SEED). "]
[603,"Supporting broader development","Parents encourage and support their children's broader development","Parents encourage children to solve their own problems",null,"How important do you think it is for your child solve their own problems?\n1. Very important\n2. Fairly important\n3. Neither important nor unimportant\n4. Fairly unimportant\n5. Very unimportant\n[6.Don't know]",null,"NEW (Not tested)"]
[604,"Supporting broader development","Parents encourage and support their children's broader development","Parents support the development of their children's self-confidence and praise them when they do well and put in effort.",null,"How comfortable do you feel praising your child when they try hard to do something?\n1. Very comfortable\n2. Somewhat comfortable\n3. Somewhat uncomfortable\n4. Not at all comfortable\n\nHow often do you praise your child when they try hard to do something?\n1. Often\n2.Sometimes\n3 Rarely\n4.Never\n[5.Don’t know]\n\n",null,"NEW (Not tested)",null,"IS THERE A GAP AROUND SELF-CONTROL, PERSEVERENCE, GRIT?"]
[605,"Supporting broader development","Parents encourage and support their children's broader development","Parents encourage children to seek help if needed",null,"How often do you encourage your child to talk to people if they need help with something?\n1. Often\n2.Sometimes\n3 Rarely\n4.Never\n[5.Don’t know]",null,"NEW (Not tested)"]
[606,"Seeking and sharing advice","Parents actively seek support to help them develop their children's financial capability, and share their knowledge with others ","Parents know where to find information and resources to help them develop their children's financial capability",null,"Do you know where to find information on teaching children and young people about money management?\n1. Yes\n2. No\n \nWhich of these sources would you go to if you wanted to get information or help with teaching children and young people about money management?\n \n 1. My child's school\n 2. Websites/ Online content\n 3. A charity such as CAB\n 4. Other ________\n 5. None of these\n  6. Don’t know\n",null,"NEW [Not tested]"]
[607,null,"Parents actively seek support to help them develop their children's financial capability, and share their knowledge with others ","Parents access and use information and resources to help them develop their children's financial capability",null,"In the last 12 months have you used any of the following to get information about teaching children and young people about money management? Tick all that apply\n\n 1. My child's school\n 2. Websites/ Online content\n 3. A charity such as CAB\n 4. Other ________\n 5. None of these\n  6. Don’t know",null,"NEW [Not tested]"]
[608,null,"Parents actively seek support to help them develop their children's financial capability, and share their knowledge with others ","Parents talk to other parents about how to help their children develop financial capability",null,"How often do you speak to other parents about ways in which to help children develop money management skills?\n1. Often\n2.Sometimes\n3 Rarely\n4.Never\n[5.Don’t know]",null,"NEW [Not tested]"]
[609,"For general adults outcomes (eg. confidence in money management skills, no anxiety about money, and willingness to seek advice about money, see the adult outcomes framework)","Ability to live (adequately) within means","Managing well day-to-day","Satisfaction with standard of living \n","How well would you say you yourself are managing financially these days? Would you say you are...\nCHOOSE ONE ONLY\n1. Living comfortably\n2. Getting by alright\n3. Just about getting by\n4. Finding it quite difficult\n5. or finding it very difficult?",null,"USOC Finnow\nAdapted"]
[610,"For general adults outcomes (eg. confidence in money management skills, no anxiety about money, and willingness to seek advice about money, see the adult outcomes framework)","Ability to live (adequately) within means","Falling behind/in debt/in arrears",null,"In the last [SIX] months, have [you / or your partner] been unable to pay any of these bills due to a lack of money?\nCHOOSE ALL THAT APPLY\n1. Rent or mortgage payments\n2. Council tax\n3. Gas, electricity or other fuel bills\n4. Water bill\n5. Telephone bill (including mobile phone, broadband)\n6. Credit or store card bills\n7. Repayments on a loan or advance,\n8. Repayments on goods bought on hire purchase or mail order\n9. TV licence\n10. Income Tax or VAT payments\n11. Any other bill or regular commitment\n12. None of these (SINGLE CODE ONLY)",null,"FFH Unable\nAdapted","Practitioners can change [six] months to a reference period which is consistent with the lapsed time between the intervention and follow up measurement"]
[611,"For general adults outcomes (eg. confidence in money management skills, no anxiety about money, and willingness to seek advice about money, see the adult outcomes framework)","Financial resilience - ability to withstand financial shocks",null,null,"Do you (and your partner) currently have at least as much money in savings as you get in income each month? \nCHOOSE ONE ONLY\n1. No\n2. Yes, about 1 month\n3. Yes, about 2 months\n4. Yes, three months of more\n\n",null,"Genworth\nAdapted"]
[612,"For general adults outcomes (eg. confidence in money management skills, no anxiety about money, and willingness to seek advice about money, see the adult outcomes framework)","Managing money well day-to-day",null,"Creating and sticking to a viable budget","A) How closely do you normally plan how you will spend your money over the coming week or month? For example by drawing up a budget.\nCHOOSE ONE ONLY\n1. Very closely\n2. Fairly closely\n3. Not very closely\n4. I do not plan my spending at all\n5. Don't know\n\nB) And, how often do you keep to the budget you set?\nCHOOSE ONE ONLY\n1. Always \n2. Most of the time\n3. Sometimes\n4. Hardly ever\n5. Never\n6. Do not budget",null,"CitA 3\nAdapted"]
[613,"For general adults outcomes (eg. confidence in money management skills, no anxiety about money, and willingness to seek advice about money, see the adult outcomes framework)","General saving behaviour ",null,"Saving on a regular basis ","A) Which of these best describes how often you save money?\nCHOOSE ONE ONLY\n1. Every month\n2. Most months\n3. Some months, but not others\n4. Rarely/never\n5. Don’t know\n\nB) Just thinking about the months that you save money is the amount that you save…\n1. Roughly the same each month\n2. A little different from month to month\n3. Very different from month to month\n4. Don’t know\n\nC) About how much on average do you personally manage to save each month, at the moment? \nENTER AMOUNT IN £\nVaries too much to say",null,"FinCap G3 and G4\nOriginal\n\nCitA Q33\nChanged"]
[614,"For general adults outcomes (eg. confidence in money management skills, no anxiety about money, and willingness to seek advice about money, see the adult outcomes framework)"," Financial attitudes and motivations","Attitudes to money","Attitudes to managing money"," A) I feel under pressure to spend money on my children even when I can't afford it 0 (does not sound like me at all) to 10 (sounds a lot like me)\n\n\n0 does not sound like me\n...\n10 sounds a lot like me\nDon't know\nNot applicable",null,"Fincap (Q4c/d)\nChanged"]
[615,"For general adults outcomes (eg. confidence in money management skills, no anxiety about money, and willingness to seek advice about money, see the adult outcomes framework)"," Financial attitudes and motivations","Attitudes to money","Attitudes to managing money","To what extent do you agree or disagree with the\nstatement \n\n \"Nothing I do will make much difference to my financial situation\"\n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know\n",null,"Fincap (O2D)\nOriginal"]
[616,"For general adults outcomes (eg. confidence in money management skills, no anxiety about money, and willingness to seek advice about money, see the adult outcomes framework)","General attitudes and motivations (applied to money)","Self-control","People are able to abstain from/delay spending in order to live within their means and save for the future\n\n","How much do you agree or disagree with each of the following statements?  \n \n- I tend to buy things even when I can’t really afford them\n - I tend to live for today and let tomorrow take care of itself  \n - I find it more satisfying to spend money than to save it for the long term \n\n1. Strongly agree\n2. Tend to agree\n3. Neither agree nor disagree\n4. Tend to disagree\n5. Strongly disagree\n6. Don’t know",null,"SEG (c44)/OECD (F10)\nOriginal though first one is adapted"]
[617,"For general adults outcomes (eg. confidence in money management skills, no anxiety about money, and willingness to seek advice about money, see the adult outcomes framework)","Financial knowledge and understanding","Understanding financial concepts, products and situations","People are able to answer basic questions about interest rates and savings  \n","QUIZ Suppose you put £100 into a savings account with a guaranteed interest rate of 2% per year. You don’t make any further payments into this account and you don’t withdraw any money.\n\nHow much would be in the account at the end of the first year, once the interest payment is made?\n1: A. £120\n2: B. £140\n3: C. £104\n4: D. £102",null,"Fincap (N3)"]
[618,"For general adults outcomes (eg. confidence in money management skills, no anxiety about money, and willingness to seek advice about money, see the adult outcomes framework)","Financial knowledge and understanding","Understanding financial concepts, products and situations","People are able to answer basic questions about the interest rates and loans \n\n\n\n","QUIZ You have taken out a loan for £500, and the interest rate you are charged is 10 percent per month. There are no other fees. At this interest rate, how much money would you owe in total after one month?\n\nA £505\nB £550\nC £510\nD £600\n",null,"PDL (Q97a)"]
[619,"For general adults outcomes (eg. confidence in money management skills, no anxiety about money, and willingness to seek advice about money, see the adult outcomes framework)","Financial knowledge and understanding","Understanding financial concepts, products and situations","People understand basic financial concepts and are able to answer basic questions around interest rates and inflation \n","QUIZ If the inflation rate is 5% and the interest rate you get on your savings is 3%, will your savings have more, less or the same amount of buying power in a year’s time?\n1. More\n2. The same\n3. Less\n4. Don’t know",null,"Fincap (N2)"]
[620,"For general adults outcomes (eg. confidence in money management skills, no anxiety about money, and willingness to seek advice about money, see the adult outcomes framework)","Basic skills","Applied numeracy","People can successfully apply mathematical skills to financial problems","QUIZ The same TV is on sale in both shop A and B. In Shop A it is priced at £400.  In Shop B it is on sale for £500 with 10% discount.  Which one is cheaper? \n\n1:  The one sold in shop A \n2: The one sold in shop B \n3: They are both the same price \n4. Don't know",null,"CDS (Q28)"]

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{"sheet":"PQ3","index":24,"n_rows":0,"n_cols":0,"rows_kept":0,"cut":false,"hidden":false,"merged":[]}

{"sheet":"PQ4","index":25,"n_rows":0,"n_cols":0,"rows_kept":0,"cut":false,"hidden":false,"merged":[]}

{"sheet":"PQ5","index":26,"n_rows":0,"n_cols":0,"rows_kept":0,"cut":false,"hidden":false,"merged":[]}

{"sheet":"PQ6","index":27,"n_rows":0,"n_cols":0,"rows_kept":0,"cut":false,"hidden":false,"merged":[]}

{"sheet":"PQ7","index":28,"n_rows":0,"n_cols":0,"rows_kept":0,"cut":false,"hidden":false,"merged":[]}

{"sheet":"PQ8","index":29,"n_rows":0,"n_cols":0,"rows_kept":0,"cut":false,"hidden":false,"merged":[]}

{"sheet":"PQ9","index":30,"n_rows":0,"n_cols":0,"rows_kept":0,"cut":false,"hidden":false,"merged":[]}

{"sheet":"PQ10","index":31,"n_rows":29,"n_cols":6,"rows_kept":29,"cut":false,"hidden":false,"merged":[]}
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{"sheet":"PQ11","index":32,"n_rows":29,"n_cols":6,"rows_kept":29,"cut":false,"hidden":false,"merged":[]}
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{"sheet":"PQ12","index":33,"n_rows":29,"n_cols":6,"rows_kept":29,"cut":false,"hidden":false,"merged":[]}
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{"sheet":"PQ13","index":34,"n_rows":29,"n_cols":6,"rows_kept":29,"cut":false,"hidden":false,"merged":[]}
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{"sheet":"PQ14","index":35,"n_rows":29,"n_cols":6,"rows_kept":29,"cut":false,"hidden":false,"merged":[]}
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{"sheet":"PQ15","index":36,"n_rows":29,"n_cols":6,"rows_kept":29,"cut":false,"hidden":false,"merged":[]}
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{"sheet":"PQ16","index":37,"n_rows":29,"n_cols":6,"rows_kept":29,"cut":false,"hidden":false,"merged":[]}
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{"sheet":"PQ17","index":38,"n_rows":29,"n_cols":6,"rows_kept":29,"cut":false,"hidden":false,"merged":[]}
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{"sheet":"PQ18","index":39,"n_rows":29,"n_cols":6,"rows_kept":29,"cut":false,"hidden":false,"merged":[]}
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{"sheet":"PQ19","index":40,"n_rows":29,"n_cols":6,"rows_kept":29,"cut":false,"hidden":false,"merged":[]}
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{"sheet":"PQ20","index":41,"n_rows":29,"n_cols":6,"rows_kept":29,"cut":false,"hidden":false,"merged":[]}
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{"sheet":"BSQ","index":45,"n_rows":0,"n_cols":0,"rows_kept":0,"cut":false,"hidden":false,"merged":[]}

{"sheet":"PSQ","index":46,"n_rows":0,"n_cols":0,"rows_kept":0,"cut":false,"hidden":false,"merged":[]}

{"sheet":"SQ1","index":47,"n_rows":0,"n_cols":0,"rows_kept":0,"cut":false,"hidden":false,"merged":[]}

{"sheet":"CQ1","index":48,"n_rows":0,"n_cols":0,"rows_kept":0,"cut":false,"hidden":false,"merged":[]}

{"sheet":"CQ2","index":49,"n_rows":0,"n_cols":0,"rows_kept":0,"cut":false,"hidden":false,"merged":[]}

{"sheet":"CQ3","index":50,"n_rows":0,"n_cols":0,"rows_kept":0,"cut":false,"hidden":false,"merged":[]}

{"sheet":"CQ4","index":51,"n_rows":0,"n_cols":0,"rows_kept":0,"cut":false,"hidden":false,"merged":[]}

{"sheet":"CQ5","index":52,"n_rows":0,"n_cols":0,"rows_kept":0,"cut":false,"hidden":false,"merged":[]}

{"sheet":"CQ6","index":53,"n_rows":0,"n_cols":0,"rows_kept":0,"cut":false,"hidden":false,"merged":[]}