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[]
[null,"What My Present Level of Financially literacy is?",null,"Financial Friend"]
[null,"Please select from the dropdown list appearing in each of the Olive Green rows:"]
[]
[1,"When planning your annual vacation, you: "]
[]
["*",null,null,null,{"$f":"IF(B7=$B$84,\"s\",VLOOKUP(B7,M7:N10,2,0))","v":"s"},{"$f":"IF(E7=0,\"A\",IF(E7=1,\"A\",\"q\"))","v":"q"},null,null,null,null,null,null,"Wait until the last minute and inevitably feel that you've spent too much and that it wasn't really worth it.",0]
[null,null,null,null,null,null,null,null,null,null,null,null,"Always mean to take a vacation, but when the time comes, you usually decide you can't spare the money.",0]
[2,"When you receive your paycheck, you: ",null,null,null,null,null,null,null,null,null,null,"Use money set aside in your budget for leisure.",1]
[null,null,null,null,null,null,null,null,null,null,null,null,"Go \"all out,\" reasoning that your job is stressful and you need the relaxation, no matter what the cost.",0]
["*",null,null,null,{"$f":"IF(B11=$B$84,\"s\",VLOOKUP(B11,M12:N15,2,0))","v":"s"},{"$f":"IF(E11=0,\"A\",IF(E11=1,\"A\",\"q\"))","v":"q"}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Have money skimmed off the top for your retirement plan, regular savings. What's left is allocated among your budget items, with discretionary items like entertainment at the bottom.",1]
[3,"When your favourite store announces a going-out-of business sale, you: ",null,null,null,null,null,null,null,null,null,null,"Pay off all the bills that have been piling up since your last paycheck and find there's nothing left.",0]
[null,null,null,null,null,null,null,null,null,null,null,null,"Go on a shopping spree; you'll pay the bills later.",0]
["*",null,null,null,{"$f":"IF(B15=$B$84,\"s\",VLOOKUP(B15,M17:N20,2,0))","v":"s"},{"$f":"IF(E15=0,\"A\",IF(E15=1,\"A\",\"q\"))","v":"q"},null,null,null,null,null,null,"Put it all in savings.",0]
[]
[4,"Which of the following offers the highest interest rates? ",null,null,null,null,null,null,null,null,null,null,"Call to check the credit limits on all your cards and get in line early the first day of the sale. You plan to spend big.",0]
[null,null,null,null,null,null,null,null,null,null,null,null,"Check your mental list of items you were planning to buy over the next year and decide what you will buy now.",1]
["*",null,null,null,{"$f":"IF(B19=$B$84,\"s\",VLOOKUP(B19,M22:N25,2,0))","v":"s"},{"$f":"IF(E19=0,\"A\",IF(E19=1,\"A\",\"q\"))","v":"q"},null,null,null,null,null,null,"Stay home. You don't trust yourself at sales.",0]
[null,null,null,null,null,null,null,null,null,null,null,null,"Buy your dream equipment; you'll skip your vacation this year.",0]
[5,"In case you need money urgently, where will you look for it?"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Government Bonds.",0]
["*",null,null,null,{"$f":"IF(B23=$B$84,\"s\",VLOOKUP(B23,M27:N30,2,0))","v":"s"},{"$f":"IF(E23=0,\"A\",IF(E23=1,\"A\",\"q\"))","v":"q"},null,null,null,null,null,null,"Gilt Edged mutual fund.",1]
[null,null,null,null,null,null,null,null,null,null,null,null,"Bank Fixed Deposit.",0]
[6,"Which best describes the way you make purchases?",null,null,null,null,null,null,null,null,null,null,"Post Office Time Deposit.",0]
[]
["*",null,null,null,{"$f":"IF(B27=$B$84,\"s\",VLOOKUP(B27,M32:N35,2,0))","v":"s"},{"$f":"IF(E27=0,\"A\",IF(E27=1,\"A\",\"q\"))","v":"q"},null,null,null,null,null,null,"Credit card cash advance.",0]
[null,null,null,null,null,null,null,null,null,null,null,null,"Personal loan",0]
[7,"What portion of your income do you save? Include retirement plans, an emergency fund and regular savings. ",null,null,null,null,null,null,null,null,null,null,"Emergency fund that you have created for yourself.",1]
[null,null,null,null,null,null,null,null,null,null,null,null,"Liquidating your investments.",0]
["*",null,null,null,{"$f":"IF(B31=$B$84,\"s\",VLOOKUP(B31,M37:N40,2,0))","v":"s"},{"$f":"IF(E31=0,\"A\",IF(E31=1,\"A\",\"q\"))","v":"q"}]
[null,null,null,null,null,null,null,null,null,null,null,null,"You've noticed a pattern of spending when you’re happy or spending when you’re sad.",0]
[8,"Add up all your debt — home loan, cars loan, credit cards. Don’t include items such as food or utilities. What percent of your monthly income does it represent? ",null,null,null,null,null,null,null,null,null,null,"Sometimes you worry that you don't have the same things as your friends and then you spend to catch up.",0]
[null,null,null,null,null,null,null,null,null,null,null,null,"You spend in cycles, running up credit card debt and then paying it down.",0]
["*",null,null,null,{"$f":"IF(B35=$B$84,\"s\",VLOOKUP(B35,M42:N45,2,0))","v":"s"},{"$f":"IF(E35=0,\"A\",IF(E35=1,\"A\",\"q\"))","v":"q"},null,null,null,null,null,null,"You budget for your spending, allowing for a few extravagances along the way, but generally buy only what is on your list.",1]
[]
[9,"When you get a raise, you typically",null,null,null,null,null,null,null,null,null,null,"10 to 15 percent.",0]
[null,null,null,null,null,null,null,null,null,null,null,null,"Nothing.",0]
["*",null,null,null,{"$f":"IF(B39=$B$84,\"s\",VLOOKUP(B39,M47:N50,2,0))","v":"s"},{"$f":"IF(E39=0,\"A\",IF(E39=1,\"A\",\"q\"))","v":"q"},null,null,null,null,null,null,"2 to 3 percent.",0]
[null,null,null,null,null,null,null,null,null,null,null,null,"50 percent.",1]
[10,"When you think about your financial situation, you feel",null,"Your Own Personal Money Management Tool"]
[null,null,null,null,null,null,null,null,null,null,null,null,"35 percent or less.",1]
["*",null,null,null,{"$f":"IF(B43=$B$84,\"s\",VLOOKUP(B43,M52:N55,2,0))","v":"s"},{"$f":"IF(E43=0,\"A\",IF(E43=1,\"A\",\"q\"))","v":"q"},null,null,null,null,null,null,"50 percent.",0]
[null,null,null,null,null,null,null,null,null,null,null,null,"Not sure.",0]
[11,"A friend calls to tell you about a once-in-a-lifetime weekend. You have nothing set aside for such a trip. You: ",null,"Financial Friend",null,null,null,null,null,null,null,null,"About 40 percent.",0]
[]
["*",null,null,null,{"$f":"IF(B47=$B$84,\"s\",VLOOKUP(B47,M57:N60,2,0))","v":"s"},{"$f":"IF(E47=0,\"A\",IF(E47=1,\"A\",\"q\"))","v":"q"},null,null,null,null,null,null,"Don't notice.",0]
[null,null,null,null,null,null,null,null,null,null,null,null,"Go on a shopping spree.",0]
[12,"It's holiday time. You: ",null,null,null,null,null,null,null,null,null,null,"Promise yourself again that you will draw up a budget.",0]
[null,null,null,null,null,null,null,null,null,null,null,null,"Treat yourself to dinner out or some item you've been wanting and then allocate the rest to savings.",1]
["*",null,null,null,{"$f":"IF(B51=$B$84,\"s\",VLOOKUP(B51,M62:N65,2,0))","v":"s"},{"$f":"IF(E51=0,\"A\",IF(E51=1,\"A\",\"q\"))","v":"q"}]
[null,null,null,null,null,null,null,null,null,null,null,null,"Hopeless. It seems that you keep falling further behind.",0]
[13,"When the monthly bills come in, you: ",null,null,null,null,null,null,null,null,null,null,"Optimistic. You're buying lots of things and soon you'll be able to start saving.",0]
[null,null,null,null,null,null,null,null,null,null,null,null,"Confident. You’re meeting the targets you've set for yourself.",1]
["*",null,null,null,{"$f":"IF(B55=$B$84,\"s\",VLOOKUP(B55,M67:N70,2,0))","v":"s"},{"$f":"IF(E55=0,\"A\",IF(E55=1,\"A\",\"q\"))","v":"q"},null,null,null,null,null,null,"You think about it only late at night when you can't sleep.",0]
[]
[14,"You get a pink slip at work. You: ",null,null,null,null,null,null,null,null,null,null,"Decline and promise yourself that you'll start a weekend fund.",1]
[null,null,null,null,null,null,null,null,null,null,null,null,"Review your credit card balances and try to get enough money from cash advances.",0]
["*",null,null,null,{"$f":"IF(B59=$B$84,\"s\",VLOOKUP(B59,M72:N75,2,0))","v":"s"},{"$f":"IF(E59=0,\"A\",IF(E59=1,\"A\",\"q\"))","v":"q"},null,null,null,null,null,null,"Accept. You'll figure out the details later.",0]
[null,null,null,null,null,null,null,null,null,null,null,null,"Decide to take a loan on your investments, or from your dad, your friend. You've got to go!",0]
[15,"You've just been recruited for your first job after college. You:"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Pull out your budget from last year and inflate it by the consumer price index or the size of your last salary increase.",1]
["*",null,null,null,{"$f":"IF(B63=$B$84,\"s\",VLOOKUP(B63,M77:N80,2,0))","v":"s"},{"$f":"IF(E63=0,\"A\",IF(E63=1,\"A\",\"q\"))","v":"q"},null,null,null,null,null,null,"Vow that you won't overspend by as much as you did last year.",0]
[null,null,null,null,null,null,null,null,null,null,null,null,"Apply for two more credit cards.",0]
[16,"You're expecting your first baby. You: ",null,null,null,null,null,null,null,null,null,null,"Get going. You're still paying for the previous holidays and your cards are charged to the limit.",0]
[]
["*",null,null,null,{"$f":"IF(B67=$B$84,\"s\",VLOOKUP(B67,M82:N85,2,0))","v":"s"},{"$f":"IF(E67=0,\"A\",IF(E67=1,\"A\",\"q\"))","v":"q"},null,null,null,null,null,null,"Don't even notice. You have arranged for automatic bill paying at the bank.",1]
[null,null,null,null,null,null,null,null,null,null,null,null,"Pay the minimum on each one and throw it in the trash.",0]
[17,"Which investment portfolio is likely to earn the best return to a prudent investor over 10 years? ",null,null,null,null,null,null,null,null,null,null,"Put them off until the second notice and then pay the minimum.",0]
[null,null,null,null,null,null,null,null,null,null,null,null,"Pay them once a month.",0]
["*",null,null,null,{"$f":"IF(B71=$B$84,\"s\",VLOOKUP(B71,M87:N90,2,0))","v":"s"},{"$f":"IF(E71=0,\"A\",IF(E71=1,\"A\",\"q\"))","v":"q"}]
[null,null,null,null,null,null,null,null,null,null,null,null,"You arrange for continued medical benefits from an insurance company and, while worried, you at least pat yourself on the back for accumulating money in your emergency fund.",1]
[18,"You've just received a handsome inheritance. You: ",null,null,null,null,null,null,null,null,null,null,"Try to arrange for higher credit limits and a home loan.",0]
[null,null,null,null,null,null,null,null,null,null,null,null,"Plan the vacation you haven't had time for.",0]
["*",null,null,null,{"$f":"IF(B75=$B$84,\"s\",VLOOKUP(B75,M92:N95,2,0))","v":"s"},{"$f":"IF(E75=0,\"A\",IF(E75=1,\"A\",\"q\"))","v":"q"},null,null,null,null,null,null,"Go on a shopping spree to cheer yourself up.",0]
[]
[19,"You’re shopping for a home. You: ",null,null,null,null,null,null,null,null,null,null,"Draw up a budget and arrange to save 10 percent of your salary",1]
[null,null,null,null,null,null,null,null,null,null,null,null,"Reluctant to sign up for the company's retirement plan; retirement is a long way away.",0]
["*",null,null,null,{"$f":"IF(B79=$B$84,\"s\",VLOOKUP(B79,M97:N100,2,0))","v":"s"},{"$f":"IF(E79=0,\"A\",IF(E79=1,\"A\",\"q\"))","v":"q"},null,null,null,null,null,null,"Borrow from your parents to buy a smashing work wardrobe and a new car.",0]
[null,null,null,null,null,null,null,null,null,null,null,null,"Arrange for lines of credit.",0]
[20,"When you make a large purchase, you typically feel"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Draw up a new budget.",1]
["*",null,null,null,{"$f":"IF(B83=B84,\"s\",VLOOKUP(B83,M102:N105,2,0))","v":"s"},{"$f":"IF(E83=0,\"A\",IF(E83=1,\"A\",\"q\"))","v":"q"},null,null,null,null,null,null,"Buy a bigger house.",0]
[null,null,null,null,null,null,null,null,null,null,null,null,"Treat yourself to a last super vacation.",0]
[null,null,null,null,{"$f":"SUM(E7:E83)","v":0},{"$f":"CONCATENATE(F83,F79,F75,F71,F67,F63,F59,F55,F51,F47,F43,F39,F35,F31,F27,F23,F19,F15,F11,F7)","v":"qqqqqqqqqqqqqqqqqqqq"},null,null,null,null,null,null,"Feel depressed; you're not financially successful enough to be a parent.",0]
[null,{"$f":"IF(F85=\"AAAAAAAAAAAAAAAAAAAA\",\"Your Current Level of Financial Literacy is  \"&E89, \"' Enter All the Mandatory fields\")","v":"' Enter All the Mandatory fields"}]
[null,{"$f":"IF(F85=\"AAAAAAAAAAAAAAAAAAAA\",P87,\"'\")","v":"'"},null,null,{"$f":"E85/20","v":0},null,null,null,null,null,null,null,"85 percent stocks, 15 percent bonds.",1]
[null,null,null,null,null,null,null,null,null,null,null,null,"100 percent bank deposit.",0,null,{"$f":"IF(E89=\"GOOD\",F96,IF(E89=\"POOR\",F94,IF(E89=\"AVERAGE\",F95,\"'\")))","v":"I am sure you would like to take it to higher level. So that you can be"}]
[null,null,null,"Your Own Personal Money Management Tool",{"$f":"IF(E87>0.7,\"GOOD\",IF(E87>0.5,\"AVERAGE\",IF(E87>0,\"POOR\",IF(E87=0,\"POOR\"))))","v":"POOR"},null,null,null,null,null,null,null,"50 percent stocks, 50 percent bonds.",0]
[null,null,null,null,null,null,null,null,null,null,null,null,"40 percent stocks, 30 percent bonds, 30 percent Government bonds.",0]
[null,"Financially Strong Plus Happy All Long"]
[null,null,null,null,null,"Your Current level of Financial literacy is",null,null,null,null,null,null,"Adjust your portfolio of stocks and bonds, making it slightly more conservative. You don't need to take so many risks now that you have more capital.",1]
[null,null,null,null,null,null,null,null,null,null,null,null,"Feel anxious. Dad didn't really enjoy his life because he was always scrimping and saving to leave that money to you.",0]
[null,null,null,null,null,"I am sure you would like to take it to higher level. So that you can be",null,null,null,null,null,null,"Quit your job and start the business you've been dreaming about.",0]
[null,null,null,null,null,"You need to work upon certain basics in Money Mangement. Do keep track of your progress by attempting the quiz at regular Intervals.\nA Personal with Good level of financial literacy is assured to be ",null,null,null,null,null,null,"Go on a trip around the world.",0]
[null,null,null,null,null,"Please be consistent in your Road of Financial Wisdom. \nYour Continuing Consistency and Discipline will help lead the life of"]
[null,null,null,null,null,null,null,null,null,null,null,null,"Go for broke; you'll grow into the payments.",0]
[null,null,null,null,null,null,null,null,null,null,null,null,"Decide how much house you can afford before you shop and stick with it.",1]
[null,null,null,null,null,null,null,null,null,null,null,null,"You've been shopping for years, but you can't bring yourself to make such a big commitment.",0]
[null,null,null,null,null,null,null,null,null,null,null,null,"Realize you'll never own a home because your credit rating is too seriously impaired.",0]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,"Elated, then let down.",0]
[null,null,null,null,null,null,null,null,null,null,null,null,"Satisfied. You did your research and planned for it.",1]
[null,null,null,null,null,null,null,null,null,null,null,null,"Depressed. You really don't deserve anything that costs so much.",0]
[null,null,null,null,null,null,null,null,null,null,null,null,"Regretful. You probably didn't make the right decision",0]

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