Assessing the Fairness of Rating Factors in Car Insurance and Lending (doi:10.7910/DVN/BKJ74X)

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Part 1: Document Description
Part 2: Study Description
Part 3: Data Files Description
Part 4: Variable Description
Part 5: Other Study-Related Materials
Entire Codebook

Document Description

Citation

Title:

Assessing the Fairness of Rating Factors in Car Insurance and Lending

Identification Number:

doi:10.7910/DVN/BKJ74X

Distributor:

Harvard Dataverse

Date of Distribution:

2025-10-21

Version:

1

Bibliographic Citation:

Kiviat, Barbara, 2025, "Assessing the Fairness of Rating Factors in Car Insurance and Lending", https://doi.org/10.7910/DVN/BKJ74X, Harvard Dataverse, V1, UNF:6:LE7mWvXq28CepKXfs0XCMA== [fileUNF]

Study Description

Citation

Title:

Assessing the Fairness of Rating Factors in Car Insurance and Lending

Identification Number:

doi:10.7910/DVN/BKJ74X

Authoring Entity:

Kiviat, Barbara (Columbia University)

Distributor:

Harvard Dataverse

Access Authority:

Kiviat, Barbara

Depositor:

Kiviat, Barbara

Date of Deposit:

2025-10-21

Holdings Information:

https://doi.org/10.7910/DVN/BKJ74X

Study Scope

Keywords:

Social Sciences

Abstract:

This dataset comes from a nationally representative online survey about the perceived fairness of using various sorts of personal information in the underwriting and pricing of car insurance and consumer loans. The data was collected by YouGov and partially paid for by the National Science Foundation (Doctoral Dissertation Research Improvement Award 1802286).

Methodology and Processing

Sources Statement

Data Access

Notes:

<a href="http://creativecommons.org/publicdomain/zero/1.0">CC0 1.0</a>

Other Study Description Materials

Related Publications

Citation

Title:

Kiviat, Barbara. 2021. “Which Data Fairly Differentiate? American Views on the Use of Personal Data in Two Market Settings.” Sociological Science 8:26-47.

Bibliographic Citation:

Kiviat, Barbara. 2021. “Which Data Fairly Differentiate? American Views on the Use of Personal Data in Two Market Settings.” Sociological Science 8:26-47.

File Description--f12555024

File: HARV0032_OUTPUT.tab

  • Number of cases: 1095

  • No. of variables per record: 148

  • Type of File: text/tab-separated-values

Notes:

UNF:6:LE7mWvXq28CepKXfs0XCMA==

Variable Description

List of Variables:
  • caseid - Case ID
  • weight - Gen Pop Weight
  • treatment - HARV0032 treatments
  • treatmentq5 - HARV0032 q5 treatments
  • treatmentq16 - HARV0032 q16 treatments
  • Q2a - CAR INSURANCE COMPANY uses personal information -- A person's accident history
  • Q2b - CAR INSURANCE COMPANY uses personal information -- How many speeding tickets a person gets
  • Q2c - CAR INSURANCE COMPANY uses personal information -- A person's connections, posts and "likes" on social media sites like Facebook
  • Q2d - CAR INSURANCE COMPANY uses personal information -- The number of addresses a person has lived at in the past 5 years
  • Q2e - CAR INSURANCE COMPANY uses personal information -- Data from a device in the person's car that tracks how much they slam on the brakes, accelerate hard, and turn sharply while driving
  • Q2f - CAR INSURANCE COMPANY uses personal information -- A person's credit report or credit score
  • Q2g - CAR INSURANCE COMPANY uses personal information -- How much money a person makes
  • Q2h - CAR INSURANCE COMPANY uses personal information -- A person's level of education (e.g., high school, college)
  • Q2i - CAR INSURANCE COMPANY uses personal information -- A person's sex/gender
  • Q2j - CAR INSURANCE COMPANY uses personal information -- A person's race/ethnicity
  • Q2k - CAR INSURANCE COMPANY uses personal information -- Which web sites a person visits
  • Q2l - CAR INSURANCE COMPANY uses personal information -- Data from a device in the person's car that tracks where they drive
  • Q2m - CAR INSURANCE COMPANY uses personal information -- A record of what the person buys at the grocery store
  • Q2n - CAR INSURANCE COMPANY uses personal information -- Whether a person rents or owns their home
  • Q2o - CAR INSURANCE COMPANY uses personal information -- Data from a device in the person's car that tracks what time of day or night they drive
  • Q2p - CAR INSURANCE COMPANY uses personal information -- The zip code a person lives in
  • Q3a - CAR INSURANCE COMPANY would charge less or more if had personal information -- Your accident history
  • Q3b - CAR INSURANCE COMPANY would charge less or more if had personal information -- How many speeding tickets you get
  • Q3c - CAR INSURANCE COMPANY would charge less or more if had personal information -- Your connections, posts and "likes" on social media sites like Facebook
  • Q3d - CAR INSURANCE COMPANY would charge less or more if had personal information -- The number of addresses you have lived at in the past 5 years
  • Q3e - CAR INSURANCE COMPANY would charge less or more if had personal information -- Data from a device in your car that tracks how much you slam on the brakes, accelerate hard, and turn sharply while driving
  • Q3f - CAR INSURANCE COMPANY would charge less or more if had personal information -- Your credit report or credit score
  • Q3g - CAR INSURANCE COMPANY would charge less or more if had personal information -- How much money you make
  • Q3h - CAR INSURANCE COMPANY would charge less or more if had personal information -- Your level of education (e.g., high school, college)
  • Q3i - CAR INSURANCE COMPANY would charge less or more if had personal information -- Your sex/gender
  • Q3j - CAR INSURANCE COMPANY would charge less or more if had personal information -- Your race/ethnicity
  • Q3k - CAR INSURANCE COMPANY would charge less or more if had personal information -- Which web sites you visit
  • Q3l - CAR INSURANCE COMPANY would charge less or more if had personal information -- Data from a device in your car that tracks where you drive
  • Q3m - CAR INSURANCE COMPANY would charge less or more if had personal information -- A record of what you buy at the grocery store
  • Q3n - CAR INSURANCE COMPANY would charge less or more if had personal information -- Whether you rent or own your home
  • Q3o - CAR INSURANCE COMPANY would charge less or more if had personal information -- Data from a device in your car that tracks what time of day or night you drive
  • Q3p - CAR INSURANCE COMPANY would charge less or more if had personal information -- The zip code you live in
  • Q4a - LENDER uses personal information -- The number of addresses a person has lived at in the past 5 years
  • Q4b - LENDER uses personal information -- A person's connections, posts and "likes" on social media sites like Facebook
  • Q4c - LENDER uses personal information -- How often a person pays the cable TV bill on time
  • Q4d - LENDER uses personal information -- A person's credit report or credit score
  • Q4e - LENDER uses personal information -- How much money a person makes
  • Q4f - LENDER uses personal information -- How often the person pays the utility bill on time
  • Q4g - LENDER uses personal information -- A person's sex/gender
  • Q4h - LENDER uses personal information -- A person's race/ethnicity
  • Q4i - LENDER uses personal information -- Which web sites a person visits
  • Q4j - LENDER uses personal information -- What subject the person studied in college (i.e., a person's major)
  • Q4k - LENDER uses personal information -- How often the person pays the rent on time
  • Q4l - LENDER uses personal information -- A record of what the person buys at the grocery store
  • Q4m - LENDER uses personal information -- How many speeding tickets a person gets
  • Q4n - LENDER uses personal information -- The zip code a person lives in
  • Q4o - LENDER uses personal information -- How often the person pays the child care bill on time
  • Q4p - LENDER uses personal information -- Whether a person smokes
  • Q5 - Explain the thinking on car insurance charge base on car data
  • Q6 - Explain the thinking on car insurance charge base on driving data
  • Q7 - Explain the thinking on car insurance charge base on credit information
  • Q8 - Explain the thinking on lending interest rate base on TV bill
  • Q9 - Explain the thinking on lending interest rate base on child care bill
  • Q10 - Explain the thinking on lending interest rate base on utility bill
  • Q11 - Explain the thinking on car insurance charge base on number of living address
  • Q12 - Explain the thinking on lending interest rate base on number of living address
  • Q13a - LENDER uses personal information -- The number of addresses a person has lived at in the past 5 years
  • Q13b - LENDER uses personal information -- A person's connections, posts and "likes" on social media sites like Facebook
  • Q13c - LENDER uses personal information -- How often a person pays the cable TV bill on time
  • Q13d - LENDER uses personal information -- A person's credit report or credit score
  • Q13e - LENDER uses personal information -- How much money a person makes
  • Q13f - LENDER uses personal information -- How often the person pays the utility bill on time
  • Q13g - LENDER uses personal information -- A person's sex/gender
  • Q13h - LENDER uses personal information -- A person's race/ethnicity
  • Q13i - LENDER uses personal information -- Which web sites a person visits
  • Q13j - LENDER uses personal information -- What subject the person studied in college (i.e., a person's major)
  • Q13k - LENDER uses personal information -- How often the person pays the rent on time
  • Q13l - LENDER uses personal information -- A record of what the person buys at the grocery store
  • Q13m - LENDER uses personal information -- How many speeding tickets a person gets
  • Q13n - LENDER uses personal information -- The zip code a person lives in
  • Q13o - LENDER uses personal information -- How often the person pays the child care bill on time
  • Q13p - LENDER uses personal information -- Whether a person smokes
  • Q14a - CAR INSURANCE COMPANY uses personal information -- A person's accident history
  • Q14b - CAR INSURANCE COMPANY uses personal information -- How many speeding tickets a person gets
  • Q14c - CAR INSURANCE COMPANY uses personal information -- A person's connections, posts and "likes" on social media sites like Facebook
  • Q14d - CAR INSURANCE COMPANY uses personal information -- The number of addresses a person has lived at in the past 5 years
  • Q14e - CAR INSURANCE COMPANY uses personal information -- Data from a device in the person's car that tracks how much they slam on the brakes, accelerate hard, and turn sharply while driving
  • Q14f - CAR INSURANCE COMPANY uses personal information -- A person's credit report or credit score
  • Q14g - CAR INSURANCE COMPANY uses personal information -- How much money a person makes
  • Q14h - CAR INSURANCE COMPANY uses personal information -- A person's level of education (e.g., high school, college)
  • Q14i - CAR INSURANCE COMPANY uses personal information -- A person's sex/gender
  • Q14j - CAR INSURANCE COMPANY uses personal information -- A person's race/ethnicity
  • Q14k - CAR INSURANCE COMPANY uses personal information -- Which web sites a person visits
  • Q14l - CAR INSURANCE COMPANY uses personal information -- Data from a device in the person's car that tracks where they drive
  • Q14m - CAR INSURANCE COMPANY uses personal information -- A record of what the person buys at the grocery store
  • Q14n - CAR INSURANCE COMPANY uses personal information -- Whether a person rents or owns their home
  • Q14o - CAR INSURANCE COMPANY uses personal information -- Data from a device in the person's car that tracks what time of day or night they drive
  • Q14p - CAR INSURANCE COMPANY uses personal information -- The zip code a person lives in
  • Q15a - CAR INSURANCE COMPANY would charge less or more if had personal information -- Your accident history
  • Q15b - CAR INSURANCE COMPANY would charge less or more if had personal information -- How many speeding tickets you get
  • Q15c - CAR INSURANCE COMPANY would charge less or more if had personal information -- Your connections, posts and "likes" on social media sites like Facebook
  • Q15d - CAR INSURANCE COMPANY would charge less or more if had personal information -- The number of addresses you have lived at in the past 5 years
  • Q15e - CAR INSURANCE COMPANY would charge less or more if had personal information -- Data from a device in your car that tracks how much you slam on the brakes, accelerate hard, and turn sharply while driving
  • Q15f - CAR INSURANCE COMPANY would charge less or more if had personal information -- Your credit report or credit score
  • Q15g - CAR INSURANCE COMPANY would charge less or more if had personal information -- How much money you make
  • Q15h - CAR INSURANCE COMPANY would charge less or more if had personal information -- Your level of education (e.g., high school, college)
  • Q15i - CAR INSURANCE COMPANY would charge less or more if had personal information -- Your sex/gender
  • Q15j - CAR INSURANCE COMPANY would charge less or more if had personal information -- Your race/ethnicity
  • Q15k - CAR INSURANCE COMPANY would charge less or more if had personal information -- Which web sites you visit
  • Q15l - CAR INSURANCE COMPANY would charge less or more if had personal information -- Data from a device in your car that tracks where you drive
  • Q15m - CAR INSURANCE COMPANY would charge less or more if had personal information -- A record of what you buy at the grocery store
  • Q15n - CAR INSURANCE COMPANY would charge less or more if had personal information -- Whether you rent or own your home
  • Q15o - CAR INSURANCE COMPANY would charge less or more if had personal information -- Data from a device in your car that tracks what time of day or night you drive
  • Q15p - CAR INSURANCE COMPANY would charge less or more if had personal information -- The zip code you live in
  • Q16 - Explain the thinking on car insurance charge base on car data (1)
  • Q17 - Explain the thinking on car insurance charge base on driving data (1)
  • Q18 - Explain the thinking on car insurance charge base on credit information (1)
  • Q19 - Explain the thinking on lending interest rate base on TV bill (1)
  • Q20 - Explain the thinking on lending interest rate base on child care bill (1)
  • Q21 - Explain the thinking on lending interest rate base on utility bill (1)
  • Q22 - Explain the thinking on car insurance charge base on number of living address (1)
  • Q23 - Explain the thinking on lending interest rate base on number of living address (1)
  • Q24 - Control on moving to new place -- When it comes to moving, people have...
  • Q25 - Life affect by own action or outside factor -- People's lives are shaped by...
  • Q26 - Have car insurance
  • Q27 - Difficulty to find affordable car insurance
  • Q28 - Borrowed money
  • Q29 - Difficulty to find affordable loan
  • Q30 - Importance of privacy -- Privacy is...
  • Q31 - Concern about threats to personal privacy -- I am...
  • Q33 - Living area
  • Q32 - Agreement on statement -- Business helps more than harms
  • Q34 - Comment of survey
  • birthyr - Birth Year
  • gender - Gender
  • race - Race
  • educ - Education
  • marstat - Marital Status
  • employ - Employment Status
  • faminc_new - Family income
  • pid3 - 3 point party ID
  • pid7 - 7 point Party ID
  • inputstate - State of Residence
  • votereg - Voter Registration Status
  • ideo5 - Ideology
  • newsint - Political Interest
  • religpew - Religion
  • pew_churatd - Church attendance (Pew version)
  • pew_bornagain - Born Again (Pew version)
  • pew_religimp - Importance of religion (Pew version)
  • pew_prayer - Frequency of Prayer (Pew version)
  • starttime - Questionnaire Start Time
  • endtime - Questionnaire End Time

Variables

Case ID

f12555024 Location:

Summary Statistics: StDev 316034.97037204215; Valid 1095.0; Mean 4.388974273497717E8; Min. 4.35039741E8; Max. 4.39673097E8;

Variable Format: numeric

Notes: UNF:6:zrEyx6kZCcS55xQHsKOScA==

Gen Pop Weight

f12555024 Location:

Summary Statistics: Min. 0.3066; Max. 4.69468558601907; Valid 1095.0; StDev 0.3792769817208759; Mean 1.0

Variable Format: numeric

Notes: UNF:6:5PRPEXxhcfJPEhKxzCy3xQ==

HARV0032 treatments

f12555024 Location:

Value

Label

Frequency

Text

9.

not asked

0

8.

skipped

0

2.

Show lender: Block 5-7

554

1.

Show car: Block 2-4

541

Summary Statistics: StDev 0.5001932126918096; Min. 1.0; Max. 2.0; Mean 1.5059360730593607; Valid 1095.0;

Variable Format: numeric

Notes: UNF:6:qVRQCqsdxc6m4lc78C7hHQ==

HARV0032 q5 treatments

f12555024 Location:

Value

Label

Frequency

Text

6.

Q10

81

4.

Q8

92

9.

not asked

554

5.

Q9

90

8.

skipped

0

1.

Q5

88

3.

Q7

87

2.

Q6

103

Summary Statistics: Min. 1.0; StDev 3.0242674899981634; Valid 1095.0; Max. 9.0; Mean 6.251141552511416;

Variable Format: numeric

Notes: UNF:6:m2OXJDtCK+EX0zKPELm68g==

HARV0032 q16 treatments

f12555024 Location:

Value

Label

Frequency

Text

1.

Q16

95

2.

Q17

91

8.

skipped

0

9.

not asked

541

3.

Q18

95

4.

Q19

92

6.

Q21

93

5.

Q20

88

Summary Statistics: Mean 6.20730593607306; Valid 1095.0; StDev 3.017914451212422; Max. 9.0; Min. 1.0;

Variable Format: numeric

Notes: UNF:6:5gFNUfIPy/s2m3Y8+uo+NQ==

CAR INSURANCE COMPANY uses personal information -- A person's accident history

f12555024 Location:

Value

Label

Frequency

Text

8.

skipped

0

9.

not asked

554

2.

Somewhat Fair

187

4.

Somewhat Unfair

34

5.

Very Unfair

35

3.

Neither Fair nor Unfair

52

1.

Very Fair

233

Summary Statistics: Valid 1095.0; Max. 9.0; Min. 1.0; Mean 5.534246575342467; StDev 3.6033279551419817

Variable Format: numeric

Notes: UNF:6:wyWjaIcCABM51kgbNiIrrw==

CAR INSURANCE COMPANY uses personal information -- How many speeding tickets a person gets

f12555024 Location:

Value

Label

Frequency

Text

9.

not asked

554

8.

skipped

0

3.

Neither Fair nor Unfair

58

2.

Somewhat Fair

177

5.

Very Unfair

43

1.

Very Fair

230

4.

Somewhat Unfair

33

Summary Statistics: Valid 1095.0; StDev 3.5843791759451555; Max. 9.0; Min. 1.0; Mean 5.562557077625572

Variable Format: numeric

Notes: UNF:6:xsxTWtQY3LKPTlKeo5wikQ==

CAR INSURANCE COMPANY uses personal information -- A person's connections, posts and "likes" on social media sites like Facebook

f12555024 Location:

Value

Label

Frequency

Text

5.

Very Unfair

332

3.

Neither Fair nor Unfair

68

1.

Very Fair

23

9.

not asked

554

4.

Somewhat Unfair

95

2.

Somewhat Fair

23

8.

skipped

0

Summary Statistics: Max. 9.0; Valid 1095.0; StDev 2.4872004616808843; Mean 6.665753424657533; Min. 1.0;

Variable Format: numeric

Notes: UNF:6:nNIrO/lnVRCB+y5BqaSwlQ==

CAR INSURANCE COMPANY uses personal information -- The number of addresses a person has lived at in the past 5 years

f12555024 Location:

Value

Label

Frequency

Text

8.

skipped

0

9.

not asked

554

4.

Somewhat Unfair

120

5.

Very Unfair

195

3.

Neither Fair nor Unfair

101

1.

Very Fair

41

2.

Somewhat Fair

84

Summary Statistics: Mean 6.349771689497718; Min. 1.0; Valid 1095.0; StDev 2.8369843663960825; Max. 9.0

Variable Format: numeric

Notes: UNF:6:pUAwGNI2eV0+5AQw5p88ow==

CAR INSURANCE COMPANY uses personal information -- Data from a device in the person's car that tracks how much they slam on the brakes, accelerate hard, and turn sharply while driving

f12555024 Location:

Value

Label

Frequency

Text

3.

Neither Fair nor Unfair

96

8.

skipped

0

5.

Very Unfair

108

2.

Somewhat Fair

158

4.

Somewhat Unfair

78

9.

not asked

554

1.

Very Fair

101

Summary Statistics: Min. 1.0; StDev 3.2170612145139534; Mean 5.975342465753425; Valid 1095.0; Max. 9.0

Variable Format: numeric

Notes: UNF:6:p2IRqpaGn7YGMGACcI706A==

CAR INSURANCE COMPANY uses personal information -- A person's credit report or credit score

f12555024 Location:

Value

Label

Frequency

Text

8.

skipped

0

4.

Somewhat Unfair

116

2.

Somewhat Fair

96

9.

not asked

554

5.

Very Unfair

182

3.

Neither Fair nor Unfair

100

1.

Very Fair

47

Summary Statistics: Max. 9.0; Min. 1.0; StDev 2.8910992721704303; Valid 1095.0; Mean 6.3004566210045665;

Variable Format: numeric

Notes: UNF:6:n8FSJPtinjl3g0wq13RNiw==

CAR INSURANCE COMPANY uses personal information -- How much money a person makes

f12555024 Location:

Value

Label

Frequency

Text

2.

Somewhat Fair

60

4.

Somewhat Unfair

98

5.

Very Unfair

261

9.

not asked

554

8.

skipped

0

1.

Very Fair

23

3.

Neither Fair nor Unfair

99

Summary Statistics: Mean 6.50502283105023; Valid 1095.0; StDev 2.6677233846605954; Min. 1.0; Max. 9.0;

Variable Format: numeric

Notes: UNF:6://GZYwXQblBsHE8+g2BCdQ==

CAR INSURANCE COMPANY uses personal information -- A person's level of education (e.g., high school, college)

f12555024 Location:

Value

Label

Frequency

Text

1.

Very Fair

29

3.

Neither Fair nor Unfair

99

8.

skipped

0

4.

Somewhat Unfair

104

2.

Somewhat Fair

78

9.

not asked

554

5.

Very Unfair

231

Summary Statistics: StDev 2.753777922568795; Max. 9.0; Min. 1.0; Mean 6.4283105022831055; Valid 1095.0

Variable Format: numeric

Notes: UNF:6:65y2/JsoFbDx0cIRiRhxBw==

CAR INSURANCE COMPANY uses personal information -- A person's sex/gender

f12555024 Location:

Value

Label

Frequency

Text

3.

Neither Fair nor Unfair

87

8.

skipped

0

9.

not asked

554

5.

Very Unfair

275

2.

Somewhat Fair

54

1.

Very Fair

41

4.

Somewhat Unfair

84

Summary Statistics: StDev 2.7051392140403143; Min. 1.0; Max. 9.0; Valid 1095.0; Mean 6.490410958904111

Variable Format: numeric

Notes: UNF:6:0tHQfCd5r9bya2WW2TITsg==

CAR INSURANCE COMPANY uses personal information -- A person's race/ethnicity

f12555024 Location:

Value

Label

Frequency

Text

8.

skipped

0

1.

Very Fair

27

9.

not asked

554

3.

Neither Fair nor Unfair

79

4.

Somewhat Unfair

60

2.

Somewhat Fair

34

5.

Very Unfair

341

Summary Statistics: StDev 2.540065862760829; Valid 1095.0; Mean 6.632876712328768; Max. 9.0; Min. 1.0

Variable Format: numeric

Notes: UNF:6:JRr0dkurLnFQhs56zbuTFA==

CAR INSURANCE COMPANY uses personal information -- Which web sites a person visits

f12555024 Location:

Value

Label

Frequency

Text

9.

not asked

554

3.

Neither Fair nor Unfair

63

5.

Very Unfair

336

8.

skipped

0

4.

Somewhat Unfair

96

1.

Very Fair

21

2.

Somewhat Fair

25

Summary Statistics: Mean 6.675799086757991; StDev 2.4743489672066357; Max. 9.0; Valid 1095.0; Min. 1.0

Variable Format: numeric

Notes: UNF:6:1kNJdOnUJrl+ScNniwL4tg==

CAR INSURANCE COMPANY uses personal information -- Data from a device in the person's car that tracks where they drive

f12555024 Location:

Value

Label

Frequency

Text

4.

Somewhat Unfair

102

8.

skipped

0

5.

Very Unfair

180

3.

Neither Fair nor Unfair

97

1.

Very Fair

59

9.

not asked

554

2.

Somewhat Fair

103

Summary Statistics: Min. 1.0; StDev 2.946568950485836; Valid 1095.0; Max. 9.0; Mean 6.255707762557077;

Variable Format: numeric

Notes: UNF:6:wKrqcIjJq4MInl5U3FxBjg==

CAR INSURANCE COMPANY uses personal information -- A record of what the person buys at the grocery store

f12555024 Location:

Value

Label

Frequency

Text

8.

skipped

0

9.

not asked

554

4.

Somewhat Unfair

64

1.

Very Fair

17

3.

Neither Fair nor Unfair

71

5.

Very Unfair

367

2.

Somewhat Fair

22

Summary Statistics: Mean 6.713242009132419; Min. 1.0; StDev 2.431503697161937; Valid 1095.0; Max. 9.0;

Variable Format: numeric

Notes: UNF:6:nIcCSeEFZEg7xXYzqwv3rw==

CAR INSURANCE COMPANY uses personal information -- Whether a person rents or owns their home

f12555024 Location:

Value

Label

Frequency

Text

3.

Neither Fair nor Unfair

99

4.

Somewhat Unfair

113

9.

not asked

554

1.

Very Fair

30

2.

Somewhat Fair

52

5.

Very Unfair

247

8.

skipped

0

Summary Statistics: StDev 2.686819266559489; Mean 6.487671232876711; Min. 1.0; Max. 9.0; Valid 1095.0;

Variable Format: numeric

Notes: UNF:6:ab3MxhgVdppYHTXTfNQp+g==

CAR INSURANCE COMPANY uses personal information -- Data from a device in the person's car that tracks what time of day or night they drive

f12555024 Location:

Value

Label

Frequency

Text

2.

Somewhat Fair

94

5.

Very Unfair

170

9.

not asked

554

1.

Very Fair

52

3.

Neither Fair nor Unfair

120

4.

Somewhat Unfair

105

8.

skipped

0

Summary Statistics: Max. 9.0; Valid 1095.0; Mean 6.261187214611872; Min. 1.0; StDev 2.928973411233373

Variable Format: numeric

Notes: UNF:6:c3dPEG/tuTBQfHEcZ2uEqA==

CAR INSURANCE COMPANY uses personal information -- The zip code a person lives in

f12555024 Location:

Value

Label

Frequency

Text

9.

not asked

554

2.

Somewhat Fair

108

4.

Somewhat Unfair

93

8.

skipped

0

5.

Very Unfair

172

3.

Neither Fair nor Unfair

107

1.

Very Fair

61

Summary Statistics: Max. 9.0; Mean 6.224657534246576; Min. 1.0; StDev 2.976251867649134; Valid 1095.0;

Variable Format: numeric

Notes: UNF:6:PZ2Dt9v5Lq9u3+ovbVrpKw==

CAR INSURANCE COMPANY would charge less or more if had personal information -- Your accident history

f12555024 Location:

Value

Label

Frequency

Text

8.

skipped

0

3.

Neither More nor Less

111

1.

A Lot More

136

9.

not asked

554

4.

Somewhat Less

87

5.

A Lot Less

119

2.

Somewhat More

88

Summary Statistics: Valid 1095.0; Max. 9.0; Min. 1.0; StDev 3.2081912683022598; Mean 6.003652968036528

Variable Format: numeric

Notes: UNF:6:6EQzJuQ5m3Z1jn8wLXs9ng==

CAR INSURANCE COMPANY would charge less or more if had personal information -- How many speeding tickets you get

f12555024 Location:

Value

Label

Frequency

Text

5.

A Lot Less

147

9.

not asked

554

4.

Somewhat Less

55

1.

A Lot More

125

2.

Somewhat More

116

3.

Neither More nor Less

98

8.

skipped

0

Summary Statistics: Max. 9.0; Min. 1.0; Valid 1095.0; StDev 3.2018558933328887; Mean 6.020091324200914

Variable Format: numeric

Notes: UNF:6:Bs6zltRbcvaEtdRPKbUaKQ==

CAR INSURANCE COMPANY would charge less or more if had personal information -- Your connections, posts and "likes" on social media sites like Facebook

f12555024 Location:

Value

Label

Frequency

Text

3.

Neither More nor Less

334

4.

Somewhat Less

47

9.

not asked

554

5.

A Lot Less

85

8.

skipped

0

1.

A Lot More

23

2.

Somewhat More

52

Summary Statistics: Valid 1095.0; Max. 9.0; Mean 6.144292237442921; Min. 1.0; StDev 2.9698672291468764;

Variable Format: numeric

Notes: UNF:6:OqyTRzhd63cAR65iRCm1Xw==

CAR INSURANCE COMPANY would charge less or more if had personal information -- The number of addresses you have lived at in the past 5 years

f12555024 Location:

Value

Label

Frequency

Text

9.

not asked

554

8.

skipped

0

2.

Somewhat More

90

4.

Somewhat Less

87

5.

A Lot Less

108

1.

A Lot More

30

3.

Neither More nor Less

226

Summary Statistics: Valid 1095.0; StDev 2.967270310502544; Max. 9.0; Min. 1.0; Mean 6.175342465753425

Variable Format: numeric

Notes: UNF:6:sgfisfVnoIZZvpZEtRLtbQ==

CAR INSURANCE COMPANY would charge less or more if had personal information -- Data from a device in your car that tracks how much you slam on the brakes, accelerate hard, and turn sharply while driving

f12555024 Location:

Value

Label

Frequency

Text

3.

Neither More nor Less

144

9.

not asked

554

5.

A Lot Less

89

2.

Somewhat More

134

4.

Somewhat Less

101

8.

skipped

0

1.

A Lot More

73

Summary Statistics: Max. 9.0; StDev 3.1336297704051828; Valid 1095.0; Mean 6.0347031963470315; Min. 1.0

Variable Format: numeric

Notes: UNF:6:2XXr0o0Rw2ou7MFb98iFgQ==

CAR INSURANCE COMPANY would charge less or more if had personal information -- Your credit report or credit score

f12555024 Location:

Value

Label

Frequency

Text

8.

skipped

0

3.

Neither More nor Less

191

4.

Somewhat Less

82

5.

A Lot Less

91

1.

A Lot More

64

2.

Somewhat More

113

9.

not asked

554

Summary Statistics: Max. 9.0; Mean 6.05662100456621; Min. 1.0; Valid 1095.0; StDev 3.102232712761696

Variable Format: numeric

Notes: UNF:6:OMWuKkKe7hT+XBNQtHUhjA==

CAR INSURANCE COMPANY would charge less or more if had personal information -- How much money you make

f12555024 Location:

Value

Label

Frequency

Text

2.

Somewhat More

90

5.

A Lot Less

66

9.

not asked

554

8.

skipped

0

4.

Somewhat Less

79

3.

Neither More nor Less

262

1.

A Lot More

44

Summary Statistics: Valid 1095.0; Min. 1.0; Mean 6.065753424657534; StDev 3.0626107790171373; Max. 9.0

Variable Format: numeric

Notes: UNF:6:rdHGyIzvtiFcHsd2GNn28g==

CAR INSURANCE COMPANY would charge less or more if had personal information -- Your level of education (e.g., high school, college)

f12555024 Location:

Value

Label

Frequency

Text

3.

Neither More nor Less

268

9.

not asked

554

1.

A Lot More

33

8.

skipped

0

2.

Somewhat More

79

5.

A Lot Less

64

4.

Somewhat Less

97

Summary Statistics: StDev 3.0121732878142207; Valid 1095.0; Max. 9.0; Mean 6.108675799086758; Min. 1.0;

Variable Format: numeric

Notes: UNF:6:akAPY/jmO4I+32mP3scYKw==

CAR INSURANCE COMPANY would charge less or more if had personal information -- Your sex/gender

f12555024 Location:

Value

Label

Frequency

Text

9.

not asked

554

3.

Neither More nor Less

263

5.

A Lot Less

54

2.

Somewhat More

114

8.

skipped

0

1.

A Lot More

38

4.

Somewhat Less

72

Summary Statistics: Max. 9.0; Valid 1095.0; StDev 3.093342494956915; Min. 1.0; Mean 6.026484018264841

Variable Format: numeric

Notes: UNF:6:7Dnif/VrW4dIncZYIjfg9g==

CAR INSURANCE COMPANY would charge less or more if had personal information -- Your race/ethnicity

f12555024 Location:

Value

Label

Frequency

Text

4.

Somewhat Less

68

2.

Somewhat More

81

3.

Neither More nor Less

291

9.

not asked

554

5.

A Lot Less

70

8.

skipped

0

1.

A Lot More

31

Summary Statistics: StDev 3.024597873830741; Valid 1095.0; Mean 6.094977168949773; Max. 9.0; Min. 1.0;

Variable Format: numeric

Notes: UNF:6:ijOtC7UvVuoX5YT7CN5pPw==

CAR INSURANCE COMPANY would charge less or more if had personal information -- Which web sites you visit

f12555024 Location:

Value

Label

Frequency

Text

1.

A Lot More

17

9.

not asked

554

5.

A Lot Less

78

8.

skipped

0

4.

Somewhat Less

62

3.

Neither More nor Less

324

2.

Somewhat More

60

Summary Statistics: Mean 6.148858447488584; Valid 1095.0; Min. 1.0; Max. 9.0; StDev 2.960547418539642

Variable Format: numeric

Notes: UNF:6:FB0RiMI+BGAehBS+QbyZag==

CAR INSURANCE COMPANY would charge less or more if had personal information -- Data from a device in your car that tracks where you drive

f12555024 Location:

Value

Label

Frequency

Text

8.

skipped

0

2.

Somewhat More

110

3.

Neither More nor Less

202

1.

A Lot More

40

5.

A Lot Less

86

4.

Somewhat Less

103

9.

not asked

554

Summary Statistics: Valid 1095.0; Min. 1.0; Max. 9.0; Mean 6.11324200913242; StDev 3.0306113426967496

Variable Format: numeric

Notes: UNF:6:fvEYSsVnDeqK5SStgdkXmw==

CAR INSURANCE COMPANY would charge less or more if had personal information -- A record of what you buy at the grocery store

f12555024 Location:

Value

Label

Frequency

Text

4.

Somewhat Less

67

8.

skipped

0

9.

not asked

554

3.

Neither More nor Less

315

5.

A Lot Less

89

1.

A Lot More

21

2.

Somewhat More

49

Summary Statistics: Max. 9.0; StDev 2.939515600197472; Min. 1.0; Valid 1095.0; Mean 6.176255707762557;

Variable Format: numeric

Notes: UNF:6:bfWmZgBzvZuZr9qzod6v6A==

CAR INSURANCE COMPANY would charge less or more if had personal information -- Whether you rent or own your home

f12555024 Location:

Value

Label

Frequency

Text

5.

A Lot Less

67

2.

Somewhat More

100

4.

Somewhat Less

96

3.

Neither More nor Less

249

1.

A Lot More

29

8.

skipped

0

9.

not asked

554

Summary Statistics: StDev 3.0221225674684558; Mean 6.101369863013698; Valid 1095.0; Min. 1.0; Max. 9.0

Variable Format: numeric

Notes: UNF:6:CjQ+0OpIvBWnngp7R6JFGg==

CAR INSURANCE COMPANY would charge less or more if had personal information -- Data from a device in your car that tracks what time of day or night you drive

f12555024 Location:

Value

Label

Frequency

Text

3.

Neither More nor Less

221

1.

A Lot More

35

8.

skipped

0

2.

Somewhat More

101

4.

Somewhat Less

102

9.

not asked

554

5.

A Lot Less

82

Summary Statistics: Valid 1095.0; StDev 3.014226145527895; Max. 9.0; Min. 1.0; Mean 6.122374429223744

Variable Format: numeric

Notes: UNF:6:nr/YdAy8YcDJ9Jn+qzvXHw==

CAR INSURANCE COMPANY would charge less or more if had personal information -- The zip code you live in

f12555024 Location:

Value

Label

Frequency

Text

5.

A Lot Less

52

2.

Somewhat More

119

1.

A Lot More

50

4.

Somewhat Less

96

8.

skipped

0

9.

not asked

554

3.

Neither More nor Less

224

Summary Statistics: Valid 1095.0; Mean 6.018264840182648; Max. 9.0; Min. 1.0; StDev 3.1115217129855464

Variable Format: numeric

Notes: UNF:6:Qmq1WbBEkYTtVfT2UrG3Zg==

LENDER uses personal information -- The number of addresses a person has lived at in the past 5 years

f12555024 Location:

Value

Label

Frequency

Text

5.

Very Unfair

106

8.

skipped

0

2.

Somewhat Fair

137

3.

Neither Fair nor Unfair

158

4.

Somewhat Unfair

96

9.

not asked

554

1.

Very Fair

44

Summary Statistics: Max. 9.0; Mean 6.111415525114156; Min. 1.0; Valid 1095.0; StDev 3.049920924730325

Variable Format: numeric

Notes: UNF:6:O2XTB06N53jG8XX0ejOxMQ==

LENDER uses personal information -- A person's connections, posts and "likes" on social media sites like Facebook

f12555024 Location:

Value

Label

Frequency

Text

5.

Very Unfair

286

8.

skipped

0

3.

Neither Fair nor Unfair

119

1.

Very Fair

19

4.

Somewhat Unfair

89

2.

Somewhat Fair

28

9.

not asked

554

Summary Statistics: Max. 9.0; Min. 1.0; Valid 1095.0; Mean 6.578995433789953; StDev 2.5751798174692513

Variable Format: numeric

Notes: UNF:6:xzLw1dssBvFl5tBpikSvSw==

LENDER uses personal information -- How often a person pays the cable TV bill on time

f12555024 Location:

Value

Label

Frequency

Text

3.

Neither Fair nor Unfair

94

4.

Somewhat Unfair

49

9.

not asked

554

1.

Very Fair

140

2.

Somewhat Fair

182

8.

skipped

0

5.

Very Unfair

76

Summary Statistics: Min. 1.0; Valid 1095.0; Max. 9.0; Mean 5.7972602739726025; StDev 3.3763062717962344

Variable Format: numeric

Notes: UNF:6:r1sPEkTW2HO708MjCdW5yQ==

LENDER uses personal information -- A person's credit report or credit score

f12555024 Location:

Value

Label

Frequency

Text

1.

Very Fair

202

3.

Neither Fair nor Unfair

73

4.

Somewhat Unfair

41

8.

skipped

0

2.

Somewhat Fair

166

9.

not asked

554

5.

Very Unfair

59

Summary Statistics: Min. 1.0; StDev 3.5057568113983315; Max. 9.0; Valid 1095.0; Mean 5.66027397260274;

Variable Format: numeric

Notes: UNF:6:x65OpSWmSj7oJp8DFXbI9Q==

LENDER uses personal information -- How much money a person makes

f12555024 Location:

Value

Label

Frequency

Text

5.

Very Unfair

69

9.

not asked

554

3.

Neither Fair nor Unfair

104

1.

Very Fair

142

4.

Somewhat Unfair

56

8.

skipped

0

2.

Somewhat Fair

170

Summary Statistics: Min. 1.0; Max. 9.0; Valid 1095.0; StDev 3.372162135084012; Mean 5.798173515981736

Variable Format: numeric

Notes: UNF:6:ZQpp9qPGzlePNuWOtRI4ZQ==

LENDER uses personal information -- How often the person pays the utility bill on time

f12555024 Location:

Value

Label

Frequency

Text

3.

Neither Fair nor Unfair

94

9.

not asked

554

1.

Very Fair

181

8.

skipped

0

4.

Somewhat Unfair

32

2.

Somewhat Fair

176

5.

Very Unfair

58

Summary Statistics: Min. 1.0; Mean 5.67945205479452; StDev 3.479699244084241; Valid 1095.0; Max. 9.0

Variable Format: numeric

Notes: UNF:6:t+/uXK5x+2VovkC2+IaEpg==

LENDER uses personal information -- A person's sex/gender

f12555024 Location:

Value

Label

Frequency

Text

4.

Somewhat Unfair

79

2.

Somewhat Fair

31

8.

skipped

0

1.

Very Fair

18

9.

not asked

554

5.

Very Unfair

284

3.

Neither Fair nor Unfair

129

Summary Statistics: Valid 1095.0; StDev 2.5907798262981863; Mean 6.565296803652967; Max. 9.0; Min. 1.0;

Variable Format: numeric

Notes: UNF:6:XvyR6OZ0bLg2Rppm+DvN2Q==

LENDER uses personal information -- A person's race/ethnicity

f12555024 Location:

Value

Label

Frequency

Text

1.

Very Fair

21

5.

Very Unfair

310

3.

Neither Fair nor Unfair

112

4.

Somewhat Unfair

69

9.

not asked

554

8.

skipped

0

2.

Somewhat Fair

29

Summary Statistics: Max. 9.0; StDev 2.5609213378626854; Valid 1095.0; Min. 1.0; Mean 6.599999999999999;

Variable Format: numeric

Notes: UNF:6:gazzNfI9TPbRlW5xvqfqsQ==

LENDER uses personal information -- Which web sites a person visits

f12555024 Location:

Value

Label

Frequency

Text

1.

Very Fair

13

5.

Very Unfair

291

8.

skipped

0

3.

Neither Fair nor Unfair

116

4.

Somewhat Unfair

95

9.

not asked

554

2.

Somewhat Fair

26

Summary Statistics: Min. 1.0; Mean 6.606392694063926; Max. 9.0; Valid 1095.0; StDev 2.5366338321650064

Variable Format: numeric

Notes: UNF:6:lgqAQh7vzSeOyOlYDY0xVA==

LENDER uses personal information -- What subject the person studied in college (i.e., a person's major)

f12555024 Location:

Value

Label

Frequency

Text

8.

skipped

0

3.

Neither Fair nor Unfair

147

1.

Very Fair

20

9.

not asked

554

2.

Somewhat Fair

41

5.

Very Unfair

237

4.

Somewhat Unfair

96

Summary Statistics: Mean 6.482191780821917; StDev 2.675537968034985; Min. 1.0; Valid 1095.0; Max. 9.0;

Variable Format: numeric

Notes: UNF:6:Ua9snsbvgtiKQOQLFDlrwg==

LENDER uses personal information -- How often the person pays the rent on time

f12555024 Location:

Value

Label

Frequency

Text

8.

skipped

0

4.

Somewhat Unfair

28

3.

Neither Fair nor Unfair

71

2.

Somewhat Fair

189

5.

Very Unfair

50

1.

Very Fair

203

9.

not asked

554

Summary Statistics: Mean 5.609132420091324; Valid 1095.0; Max. 9.0; StDev 3.5411796178307275; Min. 1.0

Variable Format: numeric

Notes: UNF:6:M93m5JQPDmioDkhmmd+CgQ==

LENDER uses personal information -- A record of what the person buys at the grocery store

f12555024 Location:

Value

Label

Frequency

Text

9.

not asked

554

8.

skipped

0

3.

Neither Fair nor Unfair

122

4.

Somewhat Unfair

84

5.

Very Unfair

291

2.

Somewhat Fair

28

1.

Very Fair

16

Summary Statistics: StDev 2.5616830071664527; Max. 9.0; Min. 1.0; Mean 6.589041095890411; Valid 1095.0;

Variable Format: numeric

Notes: UNF:6:JwgsGTQYCvk2j9iEdxM7AA==

LENDER uses personal information -- How many speeding tickets a person gets

f12555024 Location:

Value

Label

Frequency

Text

4.

Somewhat Unfair

92

9.

not asked

554

8.

skipped

0

2.

Somewhat Fair

114

1.

Very Fair

68

3.

Neither Fair nor Unfair

132

5.

Very Unfair

135

Summary Statistics: StDev 3.0504857959613023; Mean 6.137899543378995; Valid 1095.0; Max. 9.0; Min. 1.0;

Variable Format: numeric

Notes: UNF:6:vAUkkxKBu0r6pfAaMu3CEw==

LENDER uses personal information -- The zip code a person lives in

f12555024 Location:

Value

Label

Frequency

Text

8.

skipped

0

9.

not asked

554

1.

Very Fair

32

3.

Neither Fair nor Unfair

145

4.

Somewhat Unfair

98

5.

Very Unfair

188

2.

Somewhat Fair

78

Summary Statistics: Min. 1.0; Mean 6.338812785388127; StDev 2.8350929065027017; Valid 1095.0; Max. 9.0

Variable Format: numeric

Notes: UNF:6:mCA7McKlpGUW/4MvKgLWWg==

LENDER uses personal information -- How often the person pays the child care bill on time

f12555024 Location:

Value

Label

Frequency

Text

2.

Somewhat Fair

158

3.

Neither Fair nor Unfair

103

1.

Very Fair

146

8.

skipped

0

4.

Somewhat Unfair

50

9.

not asked

554

5.

Very Unfair

84

Summary Statistics: Mean 5.823744292237443; Valid 1095.0; Min. 1.0; Max. 9.0; StDev 3.3586612975289896

Variable Format: numeric

Notes: UNF:6:nUbJILEqRonekPrwprJV4Q==

LENDER uses personal information -- Whether a person smokes

f12555024 Location:

Value

Label

Frequency

Text

3.

Neither Fair nor Unfair

131

2.

Somewhat Fair

71

1.

Very Fair

38

5.

Very Unfair

199

8.

skipped

0

4.

Somewhat Unfair

102

9.

not asked

554

Summary Statistics: Valid 1095.0; Min. 1.0; Max. 9.0; Mean 6.357990867579909; StDev 2.8228739844189366

Variable Format: numeric

Notes: UNF:6:WhNQFHoMy8U9Qibu0cobqw==

Explain the thinking on car insurance charge base on car data

f12555024 Location:

Variable Format: character

Notes: UNF:6:IDU9dX42oZOnX5ln2RWtkg==

Explain the thinking on car insurance charge base on driving data

f12555024 Location:

Variable Format: character

Notes: UNF:6:TKBlaojN6z1/rz2D4BwjpQ==

Explain the thinking on car insurance charge base on credit information

f12555024 Location:

Variable Format: character

Notes: UNF:6:85WAR0uXRlYLpqIitVzw4w==

Explain the thinking on lending interest rate base on TV bill

f12555024 Location:

Variable Format: character

Notes: UNF:6:EXy0RCbxL7dstuFe116VoA==

Explain the thinking on lending interest rate base on child care bill

f12555024 Location:

Variable Format: character

Notes: UNF:6:0kZSmhC1kWJKTVIN1fbZjA==

Explain the thinking on lending interest rate base on utility bill

f12555024 Location:

Variable Format: character

Notes: UNF:6:XF6ZpBf/Ho5OrKyPAO5aQA==

Explain the thinking on car insurance charge base on number of living address

f12555024 Location:

Variable Format: character

Notes: UNF:6:T3A2YLQNA1NVwkM0VD7iIw==

Explain the thinking on lending interest rate base on number of living address

f12555024 Location:

Variable Format: character

Notes: UNF:6:N/wZAOnjDdc2OHaKToyOMg==

LENDER uses personal information -- The number of addresses a person has lived at in the past 5 years

f12555024 Location:

Value

Label

Frequency

Text

8.

skipped

0

3.

Neither Fair nor Unfair

122

2.

Somewhat Fair

153

4.

Somewhat Unfair

112

1.

Very Fair

62

9.

not asked

541

5.

Very Unfair

105

Summary Statistics: Mean 6.005479452054795; Max. 9.0; Min. 1.0; Valid 1095.0; StDev 3.100682109789201;

Variable Format: numeric

Notes: UNF:6:ee67LgVPsLk6vkRM28SZRA==

LENDER uses personal information -- A person's connections, posts and "likes" on social media sites like Facebook

f12555024 Location:

Value

Label

Frequency

Text

9.

not asked

541

8.

skipped

0

4.

Somewhat Unfair

86

2.

Somewhat Fair

40

1.

Very Fair

37

5.

Very Unfair

291

3.

Neither Fair nor Unfair

100

Summary Statistics: Min. 1.0; Valid 1095.0; Max. 9.0; StDev 2.6576070300665964; Mean 6.4703196347031975;

Variable Format: numeric

Notes: UNF:6:bFhmRxZ4glAs8d7C2uYjVw==

LENDER uses personal information -- How often a person pays the cable TV bill on time

f12555024 Location:

Value

Label

Frequency

Text

5.

Very Unfair

50

8.

skipped

0

2.

Somewhat Fair

185

1.

Very Fair

169

3.

Neither Fair nor Unfair

90

9.

not asked

541

4.

Somewhat Unfair

60

Summary Statistics: StDev 3.4480230987007223; Valid 1095.0; Min. 1.0; Max. 9.0; Mean 5.632876712328768

Variable Format: numeric

Notes: UNF:6:8aAAJdpMJMr9DkUp8VxSaQ==

LENDER uses personal information -- A person's credit report or credit score

f12555024 Location:

Value

Label

Frequency

Text

5.

Very Unfair

29

2.

Somewhat Fair

173

3.

Neither Fair nor Unfair

90

9.

not asked

541

1.

Very Fair

213

8.

skipped

0

4.

Somewhat Unfair

49

Summary Statistics: Min. 1.0; Mean 5.515068493150685; Max. 9.0; Valid 1095.0; StDev 3.543862187589716

Variable Format: numeric

Notes: UNF:6:vlFgvKATSqP2m4tUYuNulQ==

LENDER uses personal information -- How much money a person makes

f12555024 Location:

Value

Label

Frequency

Text

4.

Somewhat Unfair

40

3.

Neither Fair nor Unfair

77

1.

Very Fair

183

9.

not asked

541

8.

skipped

0

2.

Somewhat Fair

193

5.

Very Unfair

61

Summary Statistics: Mean 5.601826484018265; Min. 1.0; Max. 9.0; StDev 3.483100536632902; Valid 1095.0;

Variable Format: numeric

Notes: UNF:6:06012IRcyNZZPe51ZO3t8w==

LENDER uses personal information -- How often the person pays the utility bill on time

f12555024 Location:

Value

Label

Frequency

Text

2.

Somewhat Fair

173

4.

Somewhat Unfair

47

3.

Neither Fair nor Unfair

84

5.

Very Unfair

37

9.

not asked

541

8.

skipped

0

1.

Very Fair

213

Summary Statistics: Mean 5.5278538812785385; Max. 9.0; Valid 1095.0; StDev 3.5386221686536796; Min. 1.0;

Variable Format: numeric

Notes: UNF:6:9CFDn2wDrZ0OfOfG5roTew==

LENDER uses personal information -- A person's sex/gender

f12555024 Location:

Value

Label

Frequency

Text

8.

skipped

0

1.

Very Fair

33

2.

Somewhat Fair

42

9.

not asked

541

5.

Very Unfair

341

4.

Somewhat Unfair

46

3.

Neither Fair nor Unfair

92

Summary Statistics: Max. 9.0; Valid 1095.0; Mean 6.530593607305936; StDev 2.6026854915579656; Min. 1.0

Variable Format: numeric

Notes: UNF:6:BgoL9dDekhleybxfB5bmMQ==

LENDER uses personal information -- A person's race/ethnicity

f12555024 Location:

Value

Label

Frequency

Text

4.

Somewhat Unfair

61

3.

Neither Fair nor Unfair

68

1.

Very Fair

36

2.

Somewhat Fair

31

5.

Very Unfair

358

9.

not asked

541

8.

skipped

0

Summary Statistics: Mean 6.5799086757990874; Valid 1095.0; Max. 9.0; Min. 1.0; StDev 2.5494663726103264;

Variable Format: numeric

Notes: UNF:6:kr5llVTJFRYhjaFSFSbB5Q==

LENDER uses personal information -- Which web sites a person visits

f12555024 Location:

Value

Label

Frequency

Text

4.

Somewhat Unfair

68

3.

Neither Fair nor Unfair

105

5.

Very Unfair

310

2.

Somewhat Fair

42

9.

not asked

541

8.

skipped

0

1.

Very Fair

29

Summary Statistics: Max. 9.0; Mean 6.501369863013698; StDev 2.621411614573642; Valid 1095.0; Min. 1.0

Variable Format: numeric

Notes: UNF:6:+RZhtHrRfljWl3kB+s9N2w==

LENDER uses personal information -- What subject the person studied in college (i.e., a person's major)

f12555024 Location:

Value

Label

Frequency

Text

3.

Neither Fair nor Unfair

104

4.

Somewhat Unfair

103

9.

not asked

541

1.

Very Fair

36

2.

Somewhat Fair

50

8.

skipped

0

5.

Very Unfair

261

Summary Statistics: Min. 1.0; Max. 9.0; Mean 6.423744292237442; StDev 2.70103620315448; Valid 1095.0

Variable Format: numeric

Notes: UNF:6:/zBV2E2w3h1a7OumsTveTQ==

LENDER uses personal information -- How often the person pays the rent on time

f12555024 Location:

Value

Label

Frequency

Text

1.

Very Fair

262

4.

Somewhat Unfair

40

9.

not asked

541

8.

skipped

0

2.

Somewhat Fair

169

5.

Very Unfair

23

3.

Neither Fair nor Unfair

60

Summary Statistics: Mean 5.410045662100456; StDev 3.63620951686835; Max. 9.0; Min. 1.0; Valid 1095.0

Variable Format: numeric

Notes: UNF:6:FUidzi9TLJbbVOKHweasbw==

LENDER uses personal information -- A record of what the person buys at the grocery store

f12555024 Location:

Value

Label

Frequency

Text

2.

Somewhat Fair

44

4.

Somewhat Unfair

74

3.

Neither Fair nor Unfair

100

9.

not asked

541

1.

Very Fair

34

5.

Very Unfair

302

8.

skipped

0

Summary Statistics: Min. 1.0; Mean 6.481278538812786; StDev 2.647368775811612; Max. 9.0; Valid 1095.0

Variable Format: numeric

Notes: UNF:6:36M4FpBJhn3OWBexs7biJw==

LENDER uses personal information -- How many speeding tickets a person gets

f12555024 Location:

Value

Label

Frequency

Text

5.

Very Unfair

143

1.

Very Fair

64

4.

Somewhat Unfair

134

3.

Neither Fair nor Unfair

102

2.

Somewhat Fair

111

8.

skipped

0

9.

not asked

541

Summary Statistics: StDev 2.9965832749483314; Min. 1.0; Max. 9.0; Valid 1095.0; Mean 6.129680365296803

Variable Format: numeric

Notes: UNF:6:KGxWzBxW/Ts3mHL/04OamA==

LENDER uses personal information -- The zip code a person lives in

f12555024 Location:

Value

Label

Frequency

Text

9.

not asked

541

1.

Very Fair

46

5.

Very Unfair

224

3.

Neither Fair nor Unfair

117

8.

skipped

0

4.

Somewhat Unfair

98

2.

Somewhat Fair

69

Summary Statistics: Max. 9.0; Mean 6.315981735159817; Min. 1.0; Valid 1095.0; StDev 2.8172020426024416

Variable Format: numeric

Notes: UNF:6:ExhjKBn0NU3h+nu6bpPEAQ==

LENDER uses personal information -- How often the person pays the child care bill on time

f12555024 Location:

Value

Label

Frequency

Text

4.

Somewhat Unfair

69

8.

skipped

0

3.

Neither Fair nor Unfair

86

9.

not asked

541

1.

Very Fair

184

2.

Somewhat Fair

169

5.

Very Unfair

46

Summary Statistics: StDev 3.4619526270231513; Valid 1095.0; Mean 5.621004566210045; Max. 9.0; Min. 1.0

Variable Format: numeric

Notes: UNF:6:RJvgSjnIwUxZzWYjMpmUsA==

LENDER uses personal information -- Whether a person smokes

f12555024 Location:

Value

Label

Frequency

Text

1.

Very Fair

44

3.

Neither Fair nor Unfair

124

4.

Somewhat Unfair

101

9.

not asked

541

5.

Very Unfair

218

8.

skipped

0

2.

Somewhat Fair

67

Summary Statistics: Min. 1.0; Max. 9.0; StDev 2.8153986977191057; Mean 6.313242009132419; Valid 1095.0

Variable Format: numeric

Notes: UNF:6:OW5qAzR9u4v9gdxgHGf3KA==

CAR INSURANCE COMPANY uses personal information -- A person's accident history

f12555024 Location:

Value

Label

Frequency

Text

3.

Neither Fair nor Unfair

46

5.

Very Unfair

32

9.

not asked

541

4.

Somewhat Unfair

24

8.

skipped

0

2.

Somewhat Fair

168

1.

Very Fair

284

Summary Statistics: StDev 3.6741074955229305; Min. 1.0; Valid 1095.0; Max. 9.0; Mean 5.372602739726028

Variable Format: numeric

Notes: UNF:6:aehoELhYUyUnUsFH5EoDvA==

CAR INSURANCE COMPANY uses personal information -- How many speeding tickets a person gets

f12555024 Location:

Value

Label

Frequency

Text

5.

Very Unfair

36

8.

skipped

0

1.

Very Fair

258

9.

not asked

541

2.

Somewhat Fair

163

4.

Somewhat Unfair

39

3.

Neither Fair nor Unfair

58

Summary Statistics: Min. 1.0; StDev 3.6159959593255087; Mean 5.44566210045662; Valid 1095.0; Max. 9.0;

Variable Format: numeric

Notes: UNF:6:Tf9sc4180Fk6kthcm5jITA==

CAR INSURANCE COMPANY uses personal information -- A person's connections, posts and "likes" on social media sites like Facebook

f12555024 Location:

Value

Label

Frequency

Text

3.

Neither Fair nor Unfair

80

2.

Somewhat Fair

32

8.

skipped

0

9.

not asked

541

1.

Very Fair

27

4.

Somewhat Unfair

85

5.

Very Unfair

330

Summary Statistics: Max. 9.0; StDev 2.5466308839225835; Mean 6.566210045662101; Valid 1095.0; Min. 1.0

Variable Format: numeric

Notes: UNF:6:8r9k+mP9vLSjx9iVPqZL9w==

CAR INSURANCE COMPANY uses personal information -- The number of addresses a person has lived at in the past 5 years

f12555024 Location:

Value

Label

Frequency

Text

8.

skipped

0

3.

Neither Fair nor Unfair

110

1.

Very Fair

46

2.

Somewhat Fair

103

4.

Somewhat Unfair

106

9.

not asked

541

5.

Very Unfair

189

Summary Statistics: Valid 1095.0; StDev 2.9019507991999665; Min. 1.0; Max. 9.0; Mean 6.228310502283105

Variable Format: numeric

Notes: UNF:6:HsT2xAmdc7737MvxSrdo7A==

CAR INSURANCE COMPANY uses personal information -- Data from a device in the person's car that tracks how much they slam on the brakes, accelerate hard, and turn sharply while driving

f12555024 Location:

Value

Label

Frequency

Text

3.

Neither Fair nor Unfair

96

9.

not asked

541

5.

Very Unfair

92

1.

Very Fair

118

4.

Somewhat Unfair

67

2.

Somewhat Fair

181

8.

skipped

0

Summary Statistics: Mean 5.812785388127853; Max. 9.0; StDev 3.298193650622611; Valid 1095.0; Min. 1.0;

Variable Format: numeric

Notes: UNF:6:31ql5To1yeOAPuHKp0Tkfw==

CAR INSURANCE COMPANY uses personal information -- A person's credit report or credit score

f12555024 Location:

Value

Label

Frequency

Text

5.

Very Unfair

126

9.

not asked

541

3.

Neither Fair nor Unfair

103

2.

Somewhat Fair

144

1.

Very Fair

92

8.

skipped

0

4.

Somewhat Unfair

89

Summary Statistics: Max. 9.0; Mean 5.976255707762557; Min. 1.0; StDev 3.1537944194026606; Valid 1095.0;

Variable Format: numeric

Notes: UNF:6:4TUARPXmTfmmsdNYtuIg0Q==

CAR INSURANCE COMPANY uses personal information -- How much money a person makes

f12555024 Location:

Value

Label

Frequency

Text

4.

Somewhat Unfair

98

8.

skipped

0

5.

Very Unfair

180

3.

Neither Fair nor Unfair

94

1.

Very Fair

60

2.

Somewhat Fair

122

9.

not asked

541

Summary Statistics: Valid 1095.0; Min. 1.0; Max. 9.0; StDev 2.979268563090612; Mean 6.161643835616438

Variable Format: numeric

Notes: UNF:6:DfSt1LVKTVeiEYJmzJWTrQ==

CAR INSURANCE COMPANY uses personal information -- A person's level of education (e.g., high school, college)

f12555024 Location:

Value

Label

Frequency

Text

8.

skipped

0

4.

Somewhat Unfair

101

2.

Somewhat Fair

77

5.

Very Unfair

248

9.

not asked

541

3.

Neither Fair nor Unfair

94

1.

Very Fair

34

Summary Statistics: Mean 6.37716894977169; Min. 1.0; Valid 1095.0; Max. 9.0; StDev 2.7532977109201715

Variable Format: numeric

Notes: UNF:6:FddVA+vIzV2ZjL9sIcAFHA==

CAR INSURANCE COMPANY uses personal information -- A person's sex/gender

f12555024 Location:

Value

Label

Frequency

Text

3.

Neither Fair nor Unfair

99

5.

Very Unfair

329

1.

Very Fair

30

4.

Somewhat Unfair

51

9.

not asked

541

2.

Somewhat Fair

45

8.

skipped

0

Summary Statistics: StDev 2.6133307387202693; Min. 1.0; Max. 9.0; Mean 6.515981735159817; Valid 1095.0;

Variable Format: numeric

Notes: UNF:6:irqWLoUnfY/bdc9ZbLCuzQ==

CAR INSURANCE COMPANY uses personal information -- A person's race/ethnicity

f12555024 Location:

Value

Label

Frequency

Text

9.

not asked

541

8.

skipped

0

4.

Somewhat Unfair

53

1.

Very Fair

23

2.

Somewhat Fair

30

5.

Very Unfair

373

3.

Neither Fair nor Unfair

75

Summary Statistics: Max. 9.0; StDev 2.485190918214818; Min. 1.0; Valid 1095.0; Mean 6.624657534246576

Variable Format: numeric

Notes: UNF:6:ndOQT0BpIQ1XjPd7JVri7Q==

CAR INSURANCE COMPANY uses personal information -- Which web sites a person visits

f12555024 Location:

Value

Label

Frequency

Text

5.

Very Unfair

344

2.

Somewhat Fair

24

1.

Very Fair

27

8.

skipped

0

9.

not asked

541

3.

Neither Fair nor Unfair

73

4.

Somewhat Unfair

86

Summary Statistics: StDev 2.5075389071987084; Valid 1095.0; Mean 6.6; Min. 1.0; Max. 9.0

Variable Format: numeric

Notes: UNF:6:ypoWJ7uvu5Am6zKUTcdBVg==

CAR INSURANCE COMPANY uses personal information -- Data from a device in the person's car that tracks where they drive

f12555024 Location:

Value

Label

Frequency

Text

1.

Very Fair

62

3.

Neither Fair nor Unfair

90

2.

Somewhat Fair

120

8.

skipped

0

5.

Very Unfair

176

9.

not asked

541

4.

Somewhat Unfair

106

Summary Statistics: Min. 1.0; Mean 6.159817351598174; Valid 1095.0; Max. 9.0; StDev 2.9809008066790685

Variable Format: numeric

Notes: UNF:6:bUzkyptkXSwqbA7oWxzMvA==

CAR INSURANCE COMPANY uses personal information -- A record of what the person buys at the grocery store

f12555024 Location:

Value

Label

Frequency

Text

8.

skipped

0

1.

Very Fair

26

5.

Very Unfair

361

2.

Somewhat Fair

28

3.

Neither Fair nor Unfair

75

4.

Somewhat Unfair

64

9.

not asked

541

Summary Statistics: StDev 2.502778835103058; Mean 6.609132420091323; Max. 9.0; Valid 1095.0; Min. 1.0;

Variable Format: numeric

Notes: UNF:6:2MdnlxtLsU299dgcNLe2Zg==

CAR INSURANCE COMPANY uses personal information -- Whether a person rents or owns their home

f12555024 Location:

Value

Label

Frequency

Text

9.

not asked

541

3.

Neither Fair nor Unfair

111

8.

skipped

0

1.

Very Fair

45

4.

Somewhat Unfair

101

2.

Somewhat Fair

78

5.

Very Unfair

219

Summary Statistics: Min. 1.0; StDev 2.830258741795127; Mean 6.303196347031964; Max. 9.0; Valid 1095.0

Variable Format: numeric

Notes: UNF:6:Z0vYYbWqDUVCxUqjPbFOGA==

CAR INSURANCE COMPANY uses personal information -- Data from a device in the person's car that tracks what time of day or night they drive

f12555024 Location:

Value

Label

Frequency

Text

9.

not asked

541

1.

Very Fair

61

2.

Somewhat Fair

131

8.

skipped

0

4.

Somewhat Unfair

97

3.

Neither Fair nor Unfair

103

5.

Very Unfair

162

Summary Statistics: Max. 9.0; StDev 3.016075567339623; Valid 1095.0; Min. 1.0; Mean 6.117808219178083;

Variable Format: numeric

Notes: UNF:6:wDqubvTuxoWAKxfbieSxtQ==

CAR INSURANCE COMPANY uses personal information -- The zip code a person lives in

f12555024 Location:

Value

Label

Frequency

Text

2.

Somewhat Fair

109

9.

not asked

541

3.

Neither Fair nor Unfair

98

4.

Somewhat Unfair

87

8.

skipped

0

1.

Very Fair

58

5.

Very Unfair

202

Summary Statistics: Valid 1095.0; Min. 1.0; StDev 2.938731701787811; Mean 6.207305936073059; Max. 9.0;

Variable Format: numeric

Notes: UNF:6:eI1XzZ/XyzcWxyb36/WR0w==

CAR INSURANCE COMPANY would charge less or more if had personal information -- Your accident history

f12555024 Location:

Value

Label

Frequency

Text

1.

A Lot More

130

5.

A Lot Less

126

2.

Somewhat More

110

9.

not asked

541

4.

Somewhat Less

79

3.

Neither More nor Less

109

8.

skipped

0

Summary Statistics: StDev 3.2133809351498197; Min. 1.0; Max. 9.0; Mean 5.928767123287671; Valid 1095.0

Variable Format: numeric

Notes: UNF:6:j8um8qJEZwG9v9HS98EowA==

CAR INSURANCE COMPANY would charge less or more if had personal information -- How many speeding tickets you get

f12555024 Location:

Value

Label

Frequency

Text

1.

A Lot More

141

5.

A Lot Less

136

9.

not asked

541

3.

Neither More nor Less

99

4.

Somewhat Less

69

2.

Somewhat More

109

8.

skipped

0

Summary Statistics: Max. 9.0; Valid 1095.0; Min. 1.0; StDev 3.232853264310172; Mean 5.918721461187214

Variable Format: numeric

Notes: UNF:6:gqAQlnVeoNwd/XnPX6U85w==

CAR INSURANCE COMPANY would charge less or more if had personal information -- Your connections, posts and "likes" on social media sites like Facebook

f12555024 Location:

Value

Label

Frequency

Text

4.

Somewhat Less

45

5.

A Lot Less

77

9.

not asked

541

2.

Somewhat More

58

3.

Neither More nor Less

346

8.

skipped

0

1.

A Lot More

28

Summary Statistics: Mean 6.042009132420091; StDev 3.0030556619673923; Min. 1.0; Valid 1095.0; Max. 9.0

Variable Format: numeric

Notes: UNF:6:flDn/0NLFqwY9nf6XHjHug==

CAR INSURANCE COMPANY would charge less or more if had personal information -- The number of addresses you have lived at in the past 5 years

f12555024 Location:

Value

Label

Frequency

Text

9.

not asked

541

4.

Somewhat Less

86

5.

A Lot Less

83

8.

skipped

0

1.

A Lot More

43

2.

Somewhat More

97

3.

Neither More nor Less

245

Summary Statistics: StDev 3.042534857099464; Mean 6.027397260273974; Valid 1095.0; Min. 1.0; Max. 9.0

Variable Format: numeric

Notes: UNF:6:93w+qlIk1I3cFbYUs9/52w==

CAR INSURANCE COMPANY would charge less or more if had personal information -- Data from a device in your car that tracks how much you slam on the brakes, accelerate hard, and turn sharply while driving

f12555024 Location:

Value

Label

Frequency

Text

1.

A Lot More

92

5.

A Lot Less

91

8.

skipped

0

9.

not asked

541

2.

Somewhat More

116

3.

Neither More nor Less

160

4.

Somewhat Less

95

Summary Statistics: Max. 9.0; Min. 1.0; Valid 1095.0; StDev 3.1611919942069995; Mean 5.94337899543379

Variable Format: numeric

Notes: UNF:6:eXowMiMgCks0TGi30sgMDA==

CAR INSURANCE COMPANY would charge less or more if had personal information -- Your credit report or credit score

f12555024 Location:

Value

Label

Frequency

Text

1.

A Lot More

84

2.

Somewhat More

99

3.

Neither More nor Less

204

8.

skipped

0

5.

A Lot Less

79

9.

not asked

541

4.

Somewhat Less

88

Summary Statistics: Valid 1095.0; StDev 3.144408625189133; Max. 9.0; Mean 5.945205479452055; Min. 1.0;

Variable Format: numeric

Notes: UNF:6:9woiHL/kJxq0DNsxGW0idQ==

CAR INSURANCE COMPANY would charge less or more if had personal information -- How much money you make

f12555024 Location:

Value

Label

Frequency

Text

1.

A Lot More

47

5.

A Lot Less

50

8.

skipped

0

3.

Neither More nor Less

277

4.

Somewhat Less

74

9.

not asked

541

2.

Somewhat More

106

Summary Statistics: Max. 9.0; Valid 1095.0; StDev 3.109098159317278; Min. 1.0; Mean 5.940639269406392

Variable Format: numeric

Notes: UNF:6:Mm2a7fDZ7cPREEDuhMY3UQ==

CAR INSURANCE COMPANY would charge less or more if had personal information -- Your level of education (e.g., high school, college)

f12555024 Location:

Value

Label

Frequency

Text

2.

Somewhat More

80

3.

Neither More nor Less

261

5.

A Lot Less

70

9.

not asked

541

4.

Somewhat Less

103

1.

A Lot More

40

8.

skipped

0

Summary Statistics: Min. 1.0; Max. 9.0; Valid 1095.0; Mean 6.040182648401827; StDev 3.020077841332232

Variable Format: numeric

Notes: UNF:6:rJdxq9D/ikdGtrh3OE9hXA==

CAR INSURANCE COMPANY would charge less or more if had personal information -- Your sex/gender

f12555024 Location:

Value

Label

Frequency

Text

8.

skipped

0

4.

Somewhat Less

81

5.

A Lot Less

59

9.

not asked

541

2.

Somewhat More

118

3.

Neither More nor Less

260

1.

A Lot More

36

Summary Statistics: Mean 5.972602739726027; Max. 9.0; StDev 3.080156766439437; Valid 1095.0; Min. 1.0

Variable Format: numeric

Notes: UNF:6:zqYSlLbF4oL/6Twyzl8x6g==

CAR INSURANCE COMPANY would charge less or more if had personal information -- Your race/ethnicity

f12555024 Location:

Value

Label

Frequency

Text

1.

A Lot More

31

8.

skipped

0

2.

Somewhat More

78

4.

Somewhat Less

66

3.

Neither More nor Less

305

9.

not asked

541

5.

A Lot Less

74

Summary Statistics: Mean 6.031963470319635; StDev 3.019419365974571; Max. 9.0; Valid 1095.0; Min. 1.0;

Variable Format: numeric

Notes: UNF:6:E4oMAx5+sl3Zi7cZxVjebA==

CAR INSURANCE COMPANY would charge less or more if had personal information -- Which web sites you visit

f12555024 Location:

Value

Label

Frequency

Text

4.

Somewhat Less

43

2.

Somewhat More

49

8.

skipped

0

1.

A Lot More

21

3.

Neither More nor Less

355

9.

not asked

541

5.

A Lot Less

86

Summary Statistics: Valid 1095.0; Max. 9.0; StDev 2.966048255601348; Mean 6.077625570776256; Min. 1.0

Variable Format: numeric

Notes: UNF:6:O9yKD+nPgNVJkwoPqyQWfw==

CAR INSURANCE COMPANY would charge less or more if had personal information -- Data from a device in your car that tracks where you drive

f12555024 Location:

Value

Label

Frequency

Text

4.

Somewhat Less

78

5.

A Lot Less

87

3.

Neither More nor Less

215

8.

skipped

0

1.

A Lot More

55

9.

not asked

541

2.

Somewhat More

119

Summary Statistics: Valid 1095.0; Mean 5.985388127853882; StDev 3.095341521006802; Min. 1.0; Max. 9.0;

Variable Format: numeric

Notes: UNF:6:rzazBV00C9uW2S1YFRGvFA==

CAR INSURANCE COMPANY would charge less or more if had personal information -- A record of what you buy at the grocery store

f12555024 Location:

Value

Label

Frequency

Text

3.

Neither More nor Less

346

1.

A Lot More

28

2.

Somewhat More

46

5.

A Lot Less

87

8.

skipped

0

9.

not asked

541

4.

Somewhat Less

47

Summary Statistics: Valid 1095.0; Max. 9.0; StDev 2.9758558062911873; Mean 6.073059360730594; Min. 1.0;

Variable Format: numeric

Notes: UNF:6:MAtZDYuOSQ6DrkXJ/jJqmA==

CAR INSURANCE COMPANY would charge less or more if had personal information -- Whether you rent or own your home

f12555024 Location:

Value

Label

Frequency

Text

4.

Somewhat Less

82

2.

Somewhat More

93

3.

Neither More nor Less

263

1.

A Lot More

49

5.

A Lot Less

67

9.

not asked

541

8.

skipped

0

Summary Statistics: Min. 1.0; Max. 9.0; Mean 5.987214611872146; StDev 3.07490595337316; Valid 1095.0;

Variable Format: numeric

Notes: UNF:6:Sw/5ClWZP0d4MlG4mGXtOQ==

CAR INSURANCE COMPANY would charge less or more if had personal information -- Data from a device in your car that tracks what time of day or night you drive

f12555024 Location:

Value

Label

Frequency

Text

8.

skipped

0

2.

Somewhat More

107

3.

Neither More nor Less

226

1.

A Lot More

48

5.

A Lot Less

81

4.

Somewhat Less

92

9.

not asked

541

Summary Statistics: Max. 9.0; Valid 1095.0; StDev 3.0629991654759494; Mean 6.010958904109589; Min. 1.0

Variable Format: numeric

Notes: UNF:6:zYp5mGc6lAA6lNu+FILS9w==

CAR INSURANCE COMPANY would charge less or more if had personal information -- The zip code you live in

f12555024 Location:

Value

Label

Frequency

Text

2.

Somewhat More

117

1.

A Lot More

45

9.

not asked

541

3.

Neither More nor Less

259

4.

Somewhat Less

77

8.

skipped

0

5.

A Lot Less

56

Summary Statistics: Max. 9.0; Min. 1.0; StDev 3.1065821606620507; Mean 5.947945205479452; Valid 1095.0

Variable Format: numeric

Notes: UNF:6:D91NVciYG0sjCHQyzIWGEg==

Explain the thinking on car insurance charge base on car data (1)

f12555024 Location:

Variable Format: character

Notes: UNF:6:vVqsneiFvv/x4iAEPv6cwQ==

Explain the thinking on car insurance charge base on driving data (1)

f12555024 Location:

Variable Format: character

Notes: UNF:6:vEg89hw+e3YuJlQgiWk/2w==

Explain the thinking on car insurance charge base on credit information (1)

f12555024 Location:

Variable Format: character

Notes: UNF:6:GYrzyOJA8IQPwgjK0Fmg0Q==

Explain the thinking on lending interest rate base on TV bill (1)

f12555024 Location:

Variable Format: character

Notes: UNF:6:KQEBybIFNBq2ZTClZVFBVA==

Explain the thinking on lending interest rate base on child care bill (1)

f12555024 Location:

Variable Format: character

Notes: UNF:6:W95Ie0mYgFzwmL127TTgZA==

Explain the thinking on lending interest rate base on utility bill (1)

f12555024 Location:

Variable Format: character

Notes: UNF:6:wWWKdP50DSKEW5ZHXdxfLA==

Explain the thinking on car insurance charge base on number of living address (1)

f12555024 Location:

Variable Format: character

Notes: UNF:6:jNiCGpXSgEtokTFFYnMJIw==

Explain the thinking on lending interest rate base on number of living address (1)

f12555024 Location:

Variable Format: character

Notes: UNF:6:tcvn6GuIBNZ2s2QyKxUzig==

Control on moving to new place -- When it comes to moving, people have...

f12555024 Location:

Value

Label

Frequency

Text

9.

not asked

0

4.

4

92

8.

skipped

0

1.

Total Control 1

142

3.

3

507

2.

2

308

5.

No Control at All 5

46

Summary Statistics: Min. 1.0; Max. 5.0; Valid 1095.0; StDev 0.9560631505764225; Mean 2.6273972602739724;

Variable Format: numeric

Notes: UNF:6:C/Amsh42vk7W+mSoqVWqLQ==

Life affect by own action or outside factor -- People's lives are shaped by...

f12555024 Location:

Value

Label

Frequency

Text

3.

3

414

8.

skipped

0

9.

not asked

0

2.

2

312

5.

Factors Outside of Their Control 5

39

1.

Own Actions 1

234

4.

4

96

Summary Statistics: Min. 1.0; Max. 5.0; Mean 2.4465753424657537; StDev 1.031773405220602; Valid 1095.0;

Variable Format: numeric

Notes: UNF:6:1lYirF4UBpQa1Z1P+KdQhQ==

Have car insurance

f12555024 Location:

Value

Label

Frequency

Text

8.

skipped

0

3.

Not sure/don't know

26

1.

Yes

887

2.

No

182

9.

not asked

0

Summary Statistics: Max. 3.0; Valid 1095.0; Mean 1.2136986301369852; Min. 1.0; StDev 0.4644535628221986;

Variable Format: numeric

Notes: UNF:6:LihoHOMMPf9j3wtBZKxpLA==

Difficulty to find affordable car insurance

f12555024 Location:

Value

Label

Frequency

Text

9.

not asked

0

3.

Not applicable/never tried to get car insurance

137

2.

No

660

8.

skipped

0

4.

Not sure/don't know

38

1.

Yes

260

Summary Statistics: Mean 1.957077625570777; Min. 1.0; Valid 1095.0; Max. 4.0; StDev 0.7070955658940052

Variable Format: numeric

Notes: UNF:6:pEW67E/swrZUzgdBAF817w==

Borrowed money

f12555024 Location:

Value

Label

Frequency

Text

8.

skipped

0

3.

Not sure/don't know

58

1.

Yes

678

2.

No

359

9.

not asked

0

Summary Statistics: StDev 0.5931893868830509; Max. 3.0; Min. 1.0; Mean 1.4337899543379007; Valid 1095.0;

Variable Format: numeric

Notes: UNF:6:PNl33h6UF/To0Scu9xlKEQ==

Difficulty to find affordable loan

f12555024 Location:

Value

Label

Frequency

Text

9.

not asked

0

4.

Not sure/don't know

45

8.

skipped

0

1.

Yes

262

3.

Not applicable/never tried to get a loan

226

2.

No

562

Summary Statistics: StDev 0.779851967801037; Valid 1095.0; Max. 4.0; Mean 2.0493150684931525; Min. 1.0;

Variable Format: numeric

Notes: UNF:6:GdNQibf0couBzqvdSMfZGQ==

Importance of privacy -- Privacy is...

f12555024 Location:

Value

Label

Frequency

Text

8.

skipped

0

4.

Somewhat Unimportant

15

5.

Very Unimportant

8

1.

Very Important

845

3.

Neither Important nor Unimportant

37

2.

Somewhat Important

190

9.

not asked

0

Summary Statistics: StDev 0.6725264828560046; Max. 5.0; Mean 1.3114155251141553; Valid 1095.0; Min. 1.0

Variable Format: numeric

Notes: UNF:6:bQ6bvQwrcFW7peei408sLw==

Concern about threats to personal privacy -- I am...

f12555024 Location:

Value

Label

Frequency

Text

2.

Somewhat Concerned

395

1.

Very Concerned

596

3.

Not Very Concerned

83

8.

skipped

0

9.

not asked

0

4.

Not Concerned at All

21

Summary Statistics: Min. 1.0; Valid 1095.0; StDev 0.7157189654639122; Mean 1.5698630136986302; Max. 4.0;

Variable Format: numeric

Notes: UNF:6:rZ37Ty4ZcEw8hUn5mFmhOA==

Living area

f12555024 Location:

Value

Label

Frequency

Text

2.

Suburban

470

3.

Rural

325

9.

not asked

0

8.

skipped

0

1.

Urban

300

Summary Statistics: Min. 1.0; Max. 3.0; Valid 1095.0; Mean 2.0228310502283104; StDev 0.7554973565193753;

Variable Format: numeric

Notes: UNF:6:YkoCbYmxbpSihhwbTgrhpg==

Agreement on statement -- Business helps more than harms

f12555024 Location:

Value

Label

Frequency

Text

2.

Agree Somewhat

550

9.

not asked

0

1.

Agree Strongly

244

8.

skipped

0

3.

Disagree Somewhat

242

4.

Disagree Strongly

59

Summary Statistics: Valid 1095.0; Min. 1.0; StDev 0.8054382205799752; Max. 4.0; Mean 2.1059360730593606;

Variable Format: numeric

Notes: UNF:6:eGQXMqDAb+Cwk2pw/cTxVA==

Comment of survey

f12555024 Location:

Variable Format: character

Notes: UNF:6:AxIhj3ncbFdDCgo2BaS6ow==

Birth Year

f12555024 Location:

Summary Statistics: Mean 1970.7342465753425; StDev 17.341754246892677; Max. 2000.0; Valid 1095.0; Min. 1926.0

Variable Format: numeric

Notes: UNF:6:RWW4yg3nFD5t9kBOvPMlXw==

Gender

f12555024 Location:

Value

Label

Frequency

Text

8.

skipped

0

1.

Male

511

2.

Female

584

9.

not asked

0

Summary Statistics: Mean 1.5333333333333339; StDev 0.4991156102984832; Min. 1.0; Valid 1095.0; Max. 2.0;

Variable Format: numeric

Notes: UNF:6:X0U55PX0AMgyjNYAWSvRcg==

Race

f12555024 Location:

Value

Label

Frequency

Text

5.

Native American

10

4.

Asian

27

6.

Mixed

17

99.

not asked

0

98.

skipped

0

8.

Middle Eastern

1

1.

White

748

3.

Hispanic

145

2.

Black

126

7.

Other

21

Summary Statistics: Max. 8.0; Min. 1.0; Valid 1095.0; Mean 1.6894977168949779; StDev 1.2892571248407934

Variable Format: numeric

Notes: UNF:6:vMWUTUFJDLEFSafMLlMmeA==

Education

f12555024 Location:

Value

Label

Frequency

Text

1.

No HS

69

6.

Post-grad

115

3.

Some college

250

5.

4-year

210

2.

High school graduate

349

4.

2-year

102

9.

not asked

0

8.

skipped

0

Summary Statistics: StDev 1.5026265407329997; Mean 3.347031963470314; Max. 6.0; Valid 1095.0; Min. 1.0

Variable Format: numeric

Notes: UNF:6:Du4zIYs+mhQ89bO6q0n7LA==

Marital Status

f12555024 Location:

Value

Label

Frequency

Text

2.

Separated

21

1.

Married

501

3.

Divorced

127

6.

Domestic / civil partnership

57

9.

not asked

0

4.

Widowed

56

5.

Never married

333

8.

skipped

0

Summary Statistics: Max. 6.0; Min. 1.0; Valid 1095.0; Mean 2.88127853881279; StDev 1.8906500942361575

Variable Format: numeric

Notes: UNF:6:JeAiBS2l2A6pNau2k4KJQg==

Employment Status

f12555024 Location:

Value

Label

Frequency

Text

7.

Homemaker

72

4.

Unemployed

64

3.

Temporarily laid off

4

99.

not asked

0

98.

skipped

0

2.

Part-time

134

1.

Full-time

393

5.

Retired

228

9.

Other

26

8.

Student

76

6.

Permanently disabled

98

Summary Statistics: StDev 2.5441623732438354; Max. 9.0; Mean 3.6557077625570793; Valid 1095.0; Min. 1.0

Variable Format: numeric

Notes: UNF:6:ZpcNlSjbESypAeZbggKayQ==

Family income

f12555024 Location:

Value

Label

Frequency

Text

5.

$40,000 - $49,999

78

97.

Prefer not to say

167

1.

Less than $10,000

57

11.

$120,000 - $149,999

37

4.

$30,000 - $39,999

120

7.

$60,000 - $69,999

76

3.

$20,000 - $29,999

106

98.

skipped

0

8.

$70,000 - $79,999

69

12.

$150,000 - $199,999

29

15.

$350,000 - $499,999

2

9.

$80,000 - $99,999

81

10.

$100,000 - $119,999

66

13.

$200,000 - $249,999

19

6.

$50,000 - $59,999

77

99.

not asked

0

16.

$500,000 or more

1

14.

$250,000 - $349,999

5

2.

$10,000 - $19,999

105

Summary Statistics: Valid 1095.0; Mean 19.823744292237453; Min. 1.0; StDev 32.8966163895272; Max. 97.0;

Variable Format: numeric

Notes: UNF:6:w8EjN0ijNmSgSR2nEnYJ8g==

3 point party ID

f12555024 Location:

Value

Label

Frequency

Text

9.

not asked

0

3.

Independent

310

5.

Not sure

65

8.

skipped

0

4.

Other

47

2.

Republican

277

1.

Democrat

396

Summary Statistics: StDev 1.1478324736695213; Max. 5.0; Valid 1095.0; Mean 2.1853881278538814; Min. 1.0;

Variable Format: numeric

Notes: UNF:6:M9mGripmiauWgXuLin+URw==

7 point Party ID

f12555024 Location:

Value

Label

Frequency

Text

98.

skipped

0

7.

Strong Republican

183

4.

Independent

183

2.

Not very strong Democrat

120

5.

Lean Republican

107

9.

Don't know

0

8.

Not sure

43

99.

not asked

0

3.

Lean Democrat

89

6.

Not very strong Republican

94

1.

Strong Democrat

276

Summary Statistics: Valid 1095.0; Mean 3.8712328767123285; Max. 8.0; Min. 1.0; StDev 2.3129956034201578

Variable Format: numeric

Notes: UNF:6:zTMG4YYcCU9eSfpyMHfxwg==

State of Residence

f12555024 Location:

Value

Label

Frequency

Text

90.

Prince Edward Island

0

33.

New Hampshire

6

89.

Ontario

0

87.

Nova Scotia

0

8.

Colorado

22

53.

Washington

46

85.

Newfoundland

0

46.

South Dakota

2

17.

Illinois

40

5.

Arkansas

14

998.

skipped

0

39.

Ohio

54

49.

Utah

7

82.

British Columbia

0

78.

Virgin Islands

0

4.

Arizona

27

42.

Pennsylvania

54

72.

Puerto Rico

0

30.

Montana

5

40.

Oklahoma

12

32.

Nevada

11

25.

Massachusetts

10

35.

New Mexico

9

27.

Minnesota

22

6.

California

97

38.

North Dakota

3

23.

Maine

6

55.

Wisconsin

15

50.

Vermont

1

20.

Kansas

13

91.

Quebec

0

1.

Alabama

20

69.

Northern Mariana Islands

0

10.

Delaware

2

37.

North Carolina

30

19.

Iowa

18

51.

Virginia

28

48.

Texas

77

31.

Nebraska

4

84.

New Brunswick

0

41.

Oregon

14

60.

American Samoa

0

56.

Wyoming

2

81.

Alberta

0

68.

Marshall Islands

0

93.

Yukon Territory

0

74.

U.S. Minor Outlying Islands

0

64.

Federated States of Micronesia

0

47.

Tennessee

31

13.

Georgia

52

24.

Maryland

15

99.

Not in the U.S. or Canada

0

22.

Louisiana

12

66.

Guam

0

16.

Idaho

7

2.

Alaska

5

12.

Florida

66

34.

New Jersey

34

26.

Michigan

28

70.

Palau

0

45.

South Carolina

14

44.

Rhode Island

7

18.

Indiana

24

54.

West Virginia

3

83.

Manitoba

0

21.

Kentucky

20

36.

New York

59

9.

Connecticut

9

11.

District of Columbia

6

999.

not asked

0

86.

Northwest Territories

0

88.

Nunavut

0

28.

Mississippi

6

15.

Hawaii

2

29.

Missouri

24

92.

Saskatchewan

0

Summary Statistics: Valid 1095.0; Max. 56.0; Mean 28.024657534246582; Min. 1.0; StDev 16.104217663419703

Variable Format: numeric

Notes: UNF:6:KBUszyvaMywapchur36hnQ==

Voter Registration Status

f12555024 Location:

Value

Label

Frequency

Text

9.

not asked

0

2.

No

130

3.

Don't know

19

1.

Yes

946

8.

skipped

0

Summary Statistics: Valid 1095.0; Mean 1.1534246575342468; StDev 0.40588073996804697; Min. 1.0; Max. 3.0

Variable Format: numeric

Notes: UNF:6:Wf89WrxgmVqCVTN6xJmOMQ==

Ideology

f12555024 Location:

Value

Label

Frequency

Text

2.

Liberal

183

9.

not asked

0

1.

Very liberal

152

5.

Very conservative

169

4.

Conservative

182

3.

Moderate

309

6.

Not sure

100

8.

skipped

0

Summary Statistics: Max. 6.0; Mean 3.304109589041095; Min. 1.0; Valid 1095.0; StDev 1.4957989637921354

Variable Format: numeric

Notes: UNF:6:/UyOwzkcKVCSTDj8FCyoow==

Political Interest

f12555024 Location:

Value

Label

Frequency

Text

3.

Only now and then

127

7.

Don't know

54

2.

Some of the time

290

8.

skipped

0

9.

not asked

0

1.

Most of the time

544

4.

Hardly at all

80

Summary Statistics: StDev 1.4627756735139494; Valid 1095.0; Max. 7.0; Mean 2.0118721461187232; Min. 1.0;

Variable Format: numeric

Notes: UNF:6:npMbS+gybgBsWmOI8BCRAw==

Religion

f12555024 Location:

Value

Label

Frequency

Text

9.

Atheist

74

4.

Eastern or Greek Orthodox

9

5.

Jewish

28

99.

not asked

0

2.

Roman Catholic

241

3.

Mormon

14

11.

Nothing in particular

210

98.

skipped

0

12.

Something else

51

7.

Buddhist

9

1.

Protestant

403

8.

Hindu

1

6.

Muslim

9

10.

Agnostic

46

Summary Statistics: StDev 4.390953253934923; Valid 1095.0; Max. 12.0; Mean 4.818264840182647; Min. 1.0

Variable Format: numeric

Notes: UNF:6:1rSci+57R7De1CodNbVdkQ==

Church attendance (Pew version)

f12555024 Location:

Value

Label

Frequency

Text

5.

Seldom

240

1.

More than once a week

85

4.

A few times a year

155

3.

Once or twice a month

95

2.

Once a week

209

7.

Don't know

34

6.

Never

277

9.

not asked

0

8.

skipped

0

Summary Statistics: Min. 1.0; StDev 1.7459897752208686; Mean 4.1168949771689505; Valid 1095.0; Max. 7.0;

Variable Format: numeric

Notes: UNF:6:o/pj+NRrllZ+LOQwSpxw5g==

Born Again (Pew version)

f12555024 Location:

Value

Label

Frequency

Text

9.

not asked

0

8.

skipped

0

1.

Yes

318

2.

No

777

Summary Statistics: StDev 0.4541594432352974; Max. 2.0; Valid 1095.0; Min. 1.0; Mean 1.709589041095891;

Variable Format: numeric

Notes: UNF:6:71/EvUSVSFNesZeGs28sww==

Importance of religion (Pew version)

f12555024 Location:

Value

Label

Frequency

Text

8.

skipped

0

2.

Somewhat important

289

4.

Not at all important

208

1.

Very important

422

3.

Not too important

176

9.

not asked

0

Summary Statistics: Valid 1095.0; StDev 1.1326980400940774; Mean 2.155251141552511; Max. 4.0; Min. 1.0;

Variable Format: numeric

Notes: UNF:6:zYHNJzP+AESdAMdK+iYUMg==

Frequency of Prayer (Pew version)

f12555024 Location:

Value

Label

Frequency

Text

1.

Several times a day

314

8.

Don't know

35

99.

not asked

0

2.

Once a day

154

4.

Once a week

30

98.

skipped

0

3.

A few times a week

144

7.

Never

175

5.

A few times a month

74

6.

Seldom

169

Summary Statistics: StDev 2.4147681717608895; Max. 8.0; Mean 3.710502283105021; Valid 1095.0; Min. 1.0;

Variable Format: numeric

Notes: UNF:6:+3KEkFV9jgHXgaFrbtWsOg==

Questionnaire Start Time

f12555024 Location:

Variable Format: character

Notes: UNF:6:8+BsoHVOvXRJK4DSeQCamQ==

Questionnaire End Time

f12555024 Location:

Variable Format: character

Notes: UNF:6:a8JassPGDvN8O3lJ2lTgkw==

Other Study-Related Materials

Label:

HARV0032_codebook.pdf

Notes:

application/pdf