Table:
average difference between the debt-to-income ratio of families with positive expectations and that of other families
average debt-to-income ratio

homeowners
renters
homeowners
renters

percentage points
percent

all family units
32.2
6.2
116.5
27.8

age of major income earner

25 to 34
46.4
-0.3
208.1
39.3

35 to 54
28.1
5.8
145.5
28.2

55 or older
26.6
9.3
59.1
13.0

education level of major income earner

high school or less
31.3
8.0
94.9
20.5

postsecondary education
30.0
8.3
130.8
33.4

university degree
34.4
-1.4
132.2
38.1

immigration status of major income earner

landed immigrant
43.9
4.1
129.4
24.2

canadian-born
29.2
6.5
113.2
28.8

1999
28.7
5.8
100.0
25.2

2005
29.8
5.8
113.7
27.1

2016
37.8
7.4
133.1
30.7

Statement: the debt-to-income ratios of homeowner families with positive expectations were, on average, 32 percentage points higher than the debt-to-income ratios of other comparable families.
Question: how many pertange points were the debt-to-income ratios of homeowner families with positive expectations higher than the debt-to-income ratios of other comparable families?
Answer: [32.2]