[USA] 2005 Preference Parameters Study of Osaka University

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Shaping the Future with Your Opinions
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Dear NFO MySurvey Member,
Would you please give this questionnaire to the person in your household whose age and sex are
indicated above (this may be you)? Thank you!
TO THE HOUSEHOLD MEMBER HELPING WITH THIS STUDY:
Today’s survey covers a wide variety of topics, such as your current lifestyle and choices you would
make given different situations. I think you will find it interesting!
I would like to assure you that your answers will be completely confidential. Your answers will betabulated with information from thousands of other participants and only the total results will be used
for academic research purposes.
The survey is lengthy. To pace yourself, you can answer the booklet in sections if you like. Most of
my questions can be easily answered by simply placing an “X” in the appropriate box or boxes. In thequestions where I have asked you to write in your answers, please be as specific as possible. Pleasetake your time to read each question thoroughly and be sure to answer all the questions. Rememberthat there are no right answers to this survey, we are just interested in your opinions.
Once you have finished, please return the questionnaire to me in the enclosed postage-paid
envelope.
As a token of my appreciation, I have enclosed a $5 bill.
Thank you for your continued cooperation.
Sincerely,

Carol Adams

[USA] 2005 Preference Parameters Study of Osaka University

1.

Thinking about when you were a child and you were given an assignment in school, when did you usually do theassignment? (X ONE Box)
1 Got it done right away
2 Tended to get it done early, before the due date3 Worked on it daily up until the due date4 Tended to get it done toward the end
5 Got it done at the last minute2.

Do the following statements hold true for you? If “it is particularly true for you”, you would choose “1”, and if “itdoesn't hold true at all for you”, you would choose “5”. Of course, you may choose any number in between.
(X ONE Box For EACH)
It Is
It Doesn’t
Particularly
Hold True
True ForAt AllYou
For You
2 
3 
4 
5 
I feel fulfillment in daily life....................................................................... 1 
2 
3 
4 
5 
I am conscious of other people’s standard of living................................. 1 
The gap between other people’s standard of living and mine
2 
3 
4 
5 
is bigger, compared to what it was two or three years ago.................. 1 
2 
3 
4 
5 
Once I enjoy a high standard of living, it is painful to lower it.................. 1 
2 
3 
4 
5 
I want to save joys for afterward.............................................................. 1 
I will never be robbed .............................................................................. 1 
I hope to live a simple life as much as possible ...................................... 1 
Saving money is the objective of life ....................................................... 1 I have plans for large expenses or big purchases in the future .............. 1 
I wish to leave an inheritance to my children, family or relatives
as much as possible............................................................................. 1 People shouldn’t gamble ......................................................................... 1 I have anxieties about my health............................................................. 1 I am deeply religious................................................................................ 1 I am too busy to think of the future ......................................................... 1 
It is disgraceful to think of money ............................................................ 1 I have my hands full with the present life, and am scarcely able
to save money ...................................................................................... 1 
Since the future is uncertain, it is a waste to think about it ..................... 1 I am worried about my life after retirement.............................................. 1 I am worried about the future of children................................................. 1 My other family members and relatives are the ones that think
about the future .................................................................................... 1 
Behaving similarly to people around me makes me feel comfortable ..... 1 

3.



3 
3 



4 
4 



5 
5 

3

4

5

2

3

4

5


2 
2 
2 
2 
2 
2



2 
2 


3 
3 
3 
3 
3 
3



3 
3 


4 
4 
4 
4 
4 
4



4 
4 


5 
5 
5 
5 
5 
5



5 
5 

2

3

4

5

2

3

4

5

2
2




3
3




4
4




5
5




Let’s assume you have two options to receive some money.
You may choose Option “A”, to receive $100 in two days; or Option “B”, to receive a different amount in ninedays. Compare the amounts and timing in Option “A” with Option “B” and indicate which amount you would
prefer to receive for all 8 choices.
Option “A”
Receiving
In 2 Days$100.00

4.



2 
2 
2

Option “B”

orReceiving
In 9 Days$99.81$100.00$100.00$100.00$100.19$100.00$100.38$100.00$100.96$100.00$101.91$100.00$103.83$100.00$105.74

Which ONE do you prefer?
Includes(X ONE Box For EACH Row)
An AnnualInterest
Rate Of:Æ
Option “A”
Option “B”-10%.................................... 1 
2 
0%.................................... 1 10%.................................... 1 20%.................................... 1 50%.................................... 1 

100%.................................... 1 
200%.................................... 1 
300%.................................... 1 


2 
2 
2 
2 
2 
2 
2

Now let’s assume that you have the option to receive $100 in ninety days or receive a different amount in
ninety-seven days. Compare the amounts and timing in Option “A” with Option “B” and indicate which amount
you would prefer to receive for all 8 choices.
Option “A”
Option “B”
Which ONE do you prefer?
Includes(X ONE Box For EACH Row)
An Annual
Receiving
Receiving
Interest
In 97 Days
In 90 Days
Rate Of:Æ
Option “A”
Option “B”
or$100.00$99.81-10%.................................... 1 
2 $100.00$100.00$100.00$100.19$100.00$100.38$100.00$100.96$100.00$101.91$100.00$103.83$100.00$105.74

0%.................................... 1 10%.................................... 1 20%.................................... 1 50%.................................... 1 

100%.................................... 1 
200%.................................... 1 
300%.................................... 1 

2



2 
2 
2 
2 
2 
2
2

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[USA] 2005 Preference Parameters Study of Osaka University

5.

6.

7.

8.

Now let’s assume that you have the option to receive $100 in one month or receive a different amount in thirteenmonths. Compare the amounts and timing in Option “A” with Option “B” and indicate which amount you would
prefer to receive for all 8 choices.
Option “A”
Option “B”
Which ONE do you prefer?
Includes(X
ONE Box For EACH Row)
An Annual
Receiving
Receiving
Interest
In 13 Months
In 1 Month
Rate Of:Æ
Option “A”
Option “B”
or
$100
$95
-5% ....................................... 1 
2 
$100

$100

$100

$102

$100

$104

$100

$106

$100

$110

$100

$120

$100

$140

0% ....................................... 1 
2% ....................................... 1 
4% ....................................... 1 
6% ....................................... 1 

10% ....................................... 1 
20% ....................................... 1 
40% ....................................... 1 


2 
2 
2 
2 
2 
2 
2

Now let’s assume that you have the option to receive $10,000 in one month or receive a different amount inthirteen months. Compare the amounts and timing in Option “A” with Option “B” and indicate which amount
you would prefer to receive for all 8 choices.
Option “A”
Option “B”
Which ONE do you prefer?
Includes(X ONE Box For EACH Row)
An Annual
Receiving
Receiving
Interest
In 13 Months
In 1 Month
Rate Of:Æ
Option “A”
Option “B”
or$10,000$9,500-5% ....................................... 1 
2 $10,000$10,000$10,000$10,010$10,000$10,050$10,000$10,100$10,000$10,200$10,000$10,600$10,000$11,000

0% ....................................... 1 

0.1% ....................................... 1 
0.5% ....................................... 1 
1% ....................................... 1 
2% ....................................... 1 
6% ....................................... 1 

10% ....................................... 1 


2 
2 
2 
2 
2 
2 
2

Now let’s assume that you have the option to pay $10,000 in one month or pay a different amount in thirteenmonths. Compare the amounts and timing in Option “A” with Option “B” and indicate which amount you would
prefer to pay for all 8 choices.
Option “A”
Option “B”
Which ONE do you prefer?
Includes(X ONE Box For EACH Row)
An Annual
PayingPayingInterest
In 13 Months
In 1 Month
Rate Of:Æ
Option “A”
Option “B”
or$10,000$9,500-5% ....................................... 1 
2 $10,000$10,000$10,000$10,010$10,000$10,050$10,000$10,100$10,000$10,200$10,000$10,600$10,000$11,000

0% ....................................... 1 

0.1% ....................................... 1 
0.5% ....................................... 1 
1% ....................................... 1 
2% ....................................... 1 
6% ....................................... 1 

10% ....................................... 1 


2 
2 
2 
2 
2 
2 
2

Considering the following two ways of receiving your monthly income, which is preferable to you? Assume thatthe job assignment is the same under these situations. If you are a dependent (e.g., student, housewife, etc.),
answer this question taking your living expense as your monthly income. (X ONE Box)
1



8a.
1



2



Your monthly income has a 50% chance of
doubling, but also has a 50% chance of
decreasing by 30% Æ (Answer Qu. 8a)

or

2



Of the following two jobs, which would you
prefer? (X ONE Box)

8b.

A job that has a 50% chance of the monthly
income doubling, but also a 50% chance ofthe monthly income being cut in half
A job with which your monthly income isguaranteed to increase by 5%

1



2



3

Your monthly income is guaranteed toincrease by 5% Æ (Answer Qu. 8b)

Of the following two jobs, which would you
prefer? (X ONE Box)
A job that has a 50% chance of the monthly
income doubling, but also a 50% chance ofthe monthly income decreasing by 10%
A job with which your monthly income isguaranteed to increase by 5%

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[USA] 2005 Preference Parameters Study of Osaka University

9.

Considering the following two ways of receiving your monthly income, which is preferable to you? Assume thatthe job assignment is the same under these situations. If you are a dependent (e.g., student, housewife, etc.),
answer this question taking your living expense as your monthly income. (X ONE Box)
1



9a.
1



2



Your monthly income has a 50% chanceof increasing by 30%, but also has a 50%
chance of decreasing by 10% Æ (Answer
Qu. 9a)

or

2



9b.

Of the following two jobs, which would you
prefer? (X ONE Box)
A job that has a 50% chance of the monthly
income increasing by 20%, but also has a
50% chance of decreasing by 10%
A job with which your monthly income isguaranteed to increase by 5%

1



2



Your monthly income is guaranteed toincrease by 5% Æ (Answer Qu. 9b)

Of the following two jobs, which would you
prefer? (X ONE Box)
A job that has a 50% chance of the monthly
income increasing by 50%, but also has a
50% chance of decreasing by 10%
A job with which your monthly income isguaranteed to increase by 5%

10.

Suppose that you had saved an amount that is double that of your annual income, and that you would spend
the full amount within two years. You have no other income. Look at each of the annual interest rates listed
below and indicate in which year would you spend more money. Please answer taking into account that thebalance of the first year can generate interest. (X ONE Box For EACH Interest Rate)
Spend More Money
Spend More Money
Interest Rate:
In The FIRST Year
In The SECOND Year2 
0% .................................................... 1 
2 
2% .................................................... 1 
2 
4% .................................................... 1 
2 
6% .................................................... 1 
2 
8% .................................................... 1 
2 
10% .................................................. 1 

11.

Given the situation in Qu. 10, what would your spending pattern on luxury goods be? Here "luxury goods"
means whatever you think of as a luxury (e.g., travel, eating out at a fancy restaurant, etc.). Please answer taking
into account that the balance of the first year can generate interest. (X ONE Box For EACH Interest Rate)
Spend More Money
Spend More Money
Interest Rate:
In The FIRST Year
In The SECOND Year2 
0% .................................................... 1 
2 
2% .................................................... 1 
2 
4% .................................................... 1 
2 
6% .................................................... 1 
2 
8% .................................................... 1 
2 
10% .................................................. 1 

12.

Suppose that your housing and the necessities of life will be provided by the government for the next ten years.
If there is a limit on the provisions, which pattern would you choose? (X ONE Box)
1  Start from higher living standard, then lower it gradually.
2  Same living standard every year.
3  Start from lower living standard, then raise it gradually.

13.

Let’s assume there is a lottery with a 50% chance of winning $20 and a 50% chance of winning nothing. If thelottery ticket is sold for $2.00, would you purchase a ticket? (X ONE Box)
1  I would purchase a ticket Æ (Continue)
2  I wouldn’t purchase a ticket Æ (Skip To Qu. 13b)

13a.

What is the most you would pay to purchase the lottery ticket mentioned in Qu.13? (X ONE Box)
1  Purchase if the price is less than $3.00
2  Purchase if the price is less than $4.00
3  Purchase if the price is less than $6.00
Æ (Skip To Qu. 14)
4  Purchase if the price is less than $10.00
5  Purchase if the price is less than $20.00
6  Purchase even if the price is more than $20.00

13b.

If the price of the lottery ticket was lowered, would you purchase it if … (X ONE Box)
1  the price is less than $1.90
4  the price is less than fifty cents2  the price is less than $1.50
5  the price is less than one cent3  the price is less than $1.00
6  Wouldn't purchase even if the price is one cent

14.

Let's assume there is a lottery with a 1% chance of winning $1,000 and a 99% chance of winning nothing. If thelottery ticket is sold for $2.00, would you purchase a ticket? (X ONE Box)
1  I would purchase a ticket Æ (Continue)
2  I wouldn't purchase a ticket Æ (Skip To Qu. 14b)

14a.

What is the most you would pay to purchase the lottery ticket mentioned in Qu.14? (X ONE Box)
1  Purchase if the price is less than $3.00
2  Purchase if the price is less than $4.00
3  Purchase if the price is less than $6.00
Æ (Skip To Qu. 15)
4  Purchase if the price is less than $10.00
5  Purchase if the price is less than $20.00
6  Purchase even if the price is more than $20.00

14b.

If the price of the lottery ticket was lowered, would you purchase it if … (X ONE Box)
1  the price is less than $1.90
4  the price is less than fifty cents2  the price is less than $1.50
5  the price is less than one cent3  the price is less than $1.00
6  Wouldn't purchase even if the price is one cent
4

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[USA] 2005 Preference Parameters Study of Osaka University

15.

Let’s assume there is a lottery with a 50% chance of winning $20 and 50% chance of winning nothing. Assumingthat you are given this lottery ticket, and there is someone willing to buy this ticket from you for $2.00, would you
sell it? (X ONE Box)
1  I would sell the ticket Æ (Continue)
2  I wouldn't sell the ticket Æ (Skip To Qu. 15b)

15a.

What is the lowest amount you would ask for this lottery ticket mentioned in Qu.15? (X ONE Box)
1  Sell if the price is more than $1.90
2  Sell if the price is more than $1.50
3  Sell if the price is more than $1.00
Æ (Skip To Qu. 16)
4  Sell if the price is more than fifty cents
5  Sell if the price is more than one cent
6  Sell even if the price is one cent

15b.

What is the lowest amount you would ask for this lottery ticket mentioned in Qu.15? (X ONE Box)
1  Sell if the price is more than $3.00
4  Sell if the price is more than $10.00
2  Sell if the price is more than $4.00
5  Sell if the price is more than $20.00
3  Sell if the price is more than $6.00
6  Wouldn’t sell even if the price is more than $20.00

16.

Assume that you know there is a 1% chance of being robbed of $1000. You can pay $20 for insurance to cover
the damages from the robbery. Would you take out this insurance? (X ONE Box)
1  I would take out the insurance Æ (Continue)
2  I wouldn't take out the insurance Æ (Skip To Qu. 16b)

16a.

What is the highest you would pay to take out this insurance mentioned in Qu. 16? Would you ... (X ONE Box)
1  Take it out if the price is less than $30.00
2  Take it out if the price is less than $40.00
3  Take it out if the price is less than $60.00
Æ (Skip To Qu. 17)
4  Take it out if the price is less than $100.00
5  Take it out if the price is less than $200.00
6  Take it out even if the price is more than $200.00

16b.

What if the price of the insurance mentioned in Qu.16 is lowered from $20? What is the highest you would pay totake it out ... (X ONE Box)
1  Take it out if the price is less than $19.00
4  Take it out if the price is less than $5.00
2  Take it out if the price is less than $15.00
5  Take it out if the price is one cent
3  Take it out if the price is less than $10.00
6  Wouldn't take it out even if the price is lessthan one cent

5

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[USA] 2005 Preference Parameters Study of Osaka University

17.

Suppose that you find out that your monthly income will be raised by 30% next month and will stay at the sameamount all through your life. Which of the following consumption patterns would you prefer? If you are adependent (e.g., student, housewife, etc.), answer this question taking your living expense as your monthly
income. (Please refer to the figures below.) (X ONE Box)
1  Immediately increase the consumption amount, and maintain the standard all through your life (Figure 1)
2  Increase the consumption amount little by little from now, and get it close to the holding level gradually(Figure 2)
3  For the time being, keep the same consumption amount, and increase the amount next month, then maintainthe standard (Figure 3)
4  For the time being, largely increase the consumption amount, then gradually decrease the amount (Figure 4)
5  No change in the consumption amount Others (Specify): __________________________________________________________(Figure 1)

2
months
ago

Last
month

This
month

Next
month

2
monthslater

3monthslater

4monthslater

5monthslater

6monthslater

3monthslater

4monthslater

5monthslater

6monthslater

3monthslater

4monthslater

5monthslater

6monthslater

3monthslater

4monthslater

5monthslater

6monthslater(Figure 2)

2months
ago

Last
month

This
month

Next
month

2
monthslater(Figure 3)

2months
ago

Last
month

This
month

Next
month

2
monthslater(Figure 4)

2months
ago

Last
month

This
month

Next
month

2
months
later

6

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[USA] 2005 Preference Parameters Study of Osaka University

18.

Suppose that you find out that your monthly income will be reduced by 30% next month and will stay at thesame amount all through your life. Which of the following consumption patterns would you prefer? If you are adependent (e.g., student, housewife, etc.), answer this question taking your living expense as your monthly
income. (Please refer to the figures below.) (X ONE Box)
1  Immediately decrease the consumption amount, and maintain the standard all through your life
(Figure 1)
2  Decrease the consumption amount little by little from now, and get it close to the holding level
gradually (Figure 2)
3  For the time being, keep the same consumption amount, and decrease the amount next month, thenmaintain the standard (Figure 3)
4  For the time being, largely decrease the consumption amount, then gradually increase the amount(Figure 4)
5  No change in the consumption amount Others (Specify): __________________________________________________________(Figure 1)

2
months
ago

Last
month

This
month

Next
month

2
monthslater

3monthslater

4monthslater

5monthslater

6monthslater

3monthslater

4monthslater

5monthslater

6monthslater

3monthslater

4monthslater

5monthslater

6monthslater

3monthslater

4monthslater

5monthslater

6monthslater(Figure 2)

2months
ago

Last
month

This
month

Next
month

2
monthslater(Figure 3)

2months
ago

Last
month

This
month

Next
month

2
monthslater(Figure 4)

2months
ago

Last
month

This
month

Next
month

2
months
later

7

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[USA] 2005 Preference Parameters Study of Osaka University

19.

Overall, to what degree are you currently feeling happiness? Using a scale from 0-10 where “10” is “very happy”
and “0” is “very unhappy”, how do you rate your current level of happiness? (X ONE Box)
Very
Very
Unhappy
Happy
10



9



8



7



6



5



4



3



2



1



0



20.

Compared to 2-3 years ago, do you think that you are happier now than you were? (X ONE Box)
1  Happier than 2-3 years ago
2  Almost the same as 2-3 years ago
3  Unhappier than 2-3 years ago
4  Don't know.

21.

When you usually go out, how high does the probability of rain have to be before you take an umbrella?
(Write In)
More than: _________ %22.

As the proverb says, "Nothing ventured, nothing gained," there is a way of thinking that it is necessary to takerisks if you expect excellent results. On the other hand, as the proverb says, "A wise man never courts danger,"there is a way of thinking that you should avoid risks as much as possible. Which way of thinking is close to
yours? On a scale of 0-10 with “10” being completely sympathetic with the way of thinking “Nothing ventured,nothing gained”, and “0” being completely sympathetic with the way of thinking of "A wise man", please rate yourbehavioral pattern. (X ONE Box)
Nothing Ventured,
A Wise Man Never
Nothing Gained
Courts Danger
10

23.



9



8



7



6



5



4



3



2



1



0



When you usually go out, are you cautious of locking doors/windows and turning off appliances to prevent a fire?
On a scale of 0-10 with “10” being the “last person to be cautious”, and “0” being the “most cautious", please rateyour level of cautiousness. (X ONE Box)
Last Person To
Most
Cautious
Be Cautious
10



9



8



7



6



5



4



3



2



1



0



24.

In which kind of town do you prefer to live, where the people are richer than you or the people are poorer thanyou? Assume these two towns have the same degree of safety and convenience. (X ONE Box)
1  Live in a town where the people are much richer than you.
2  Live in a town where the people are slightly richer than you
3  Live in a town where the people have the same standard of living as you.
4  Live in a town where the people are slightly poorer than you.
5  Live in a town where the people are much poorer than you.
6  Either town is OK

25.

Suppose that your parents had only one-third as much family income per person to live on as you do. Up to howmuch of your own family income per month would you be willing to give your parents to help out until thingschanged? (Assume that your parents' situation could stay this way for several years.) (X ONE Box)
1  Up to 2 % of your family income per month2  Up to 5 % of your family income per month
3  Up to 10 % of your family income per month
4  Up to 20 % of your family income per month
5  No help at all26.

Suppose that one of your children had only one-third as much family income per person to live on as you do. Up
to how much of your own family income per month would you be willing to give your child to help out until thingschanged? (Assume that your child's situation could stay this way for several years). (X ONE Box)
1  Up to 2 % of your family income per month2  Up to 5 % of your family income per month
3  Up to 10 % of your family income per month
4  Up to 20 % of your family income per month
5  No help at all27.

Suppose that you found a well-known charity that gave financial help to people who typically had about one-fifthof your family income per person. Up to how much of your own family income per month would you be willing togive the charity if you knew the money would go directly to benefit these people? (X ONE Box)
1  Up to 2 % of your family income per month2  Up to 5 % of your family income per month
3  Up to 10 % of your family income per month
4  Up to 20 % of your family income per month
5  No help at all28.

Suppose that you found a well-known charity that gave financial help to people who typically had about one-fifthof your family income per person. Up to how much of your own family income per month would you be willing togive the charity if you knew the charity would give twice the amount of your donation directly to benefit thesepeople? (X ONE Box)
1  Up to 2 % of your family income per month2  Up to 5 % of your family income per month
3  Up to 10 % of your family income per month
4  Up to 20 % of your family income per month
5  No help at all

8

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[USA] 2005 Preference Parameters Study of Osaka University29.

Suppose that your income is guaranteed to be 5 % more than what you earned in the year of 2004 for the rest of
your life. Assume that there will be no inflation.
Assume that if you reduced your spending in the year 2005, you could spend twice that amount in the year 2006.
The table below indicates six possible patterns of spending you could choose under this assumption. Whichpattern of spending do you like most among A, B, C, D, E, and F in the table? Please indicate your first choicepattern and the second choice pattern below.
(X ONE Box Under EACH)
Possible Patterns of Spending
SECOND
FIRST
ChoiceChoiceSpending In 2005
Spending In 2006
Pattern
Pattern(Relative to 2004)(Relative to 2004)
A.
Lower by 10%
Higher by 35%............................ 1 
1 
B.

Lower by 5%

C.

Lower by 1%

D.

Higher by 2%

E.

Higher by 5%

F.

Higher by 10%

Higher by 25%............................ 2 


3 
4 
5 
6 
2

Higher by 17%............................ 3 Higher by 11%............................ 4 Higher by 5%.............................. 5 

Lower by 5% .............................. 6 

For your reference, the chart below shows six possible patterns of spending (spending in 2004 is normalized to 100).
140

2005

130

2006

120
110
100
90
80
70
60
50
40

A
30.

B

C

D

E

F

Now suppose that if you reduced your spending in the year 2005, you could spend three times that amount in theyear 2006. The table below indicates six possible patterns of spending you could choose under the new
assumption. Which pattern of spending do you like most among A, B, C, D, E, and F in the table? Please indicate
your first choice pattern and the second choice pattern below.
(X ONE Box Under EACH)
Possible Patterns of Spending
SECOND
FIRST
ChoiceChoiceSpending In 2005
Spending In 2006
Pattern
Pattern(Relative to 2004)(Relative to 2004)
A.
Lower by 20%
Higher by 80% ........................... 1 
1 
B.

Lower by 10%

C.

Lower by 1%

D.

Higher by 2%

E.

Higher by 5%

F.

Higher by 10%

Higher by 50% ........................... 2 


3 
4 
5 
6 
2

Higher by 23% ........................... 3 Higher by 14% ........................... 4 Higher by 5% ............................. 5 

Lower by 10% ............................ 6 

For your reference, the chart below shows six possible patterns of spending (spending in 2004 is normalized to 100).
200

2005

180

2006

160
140
120
100
80
60
40

A

B

C

D

9

E

F

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[USA] 2005 Preference Parameters Study of Osaka University

31.

Let’s go back to the assumption in Qu. 29. That is, if you reduced your spending in the year 2005, you could
spend twice that amount in the year 2006. Which pattern of spending on luxury goods do you like most among A,
B, C, D, E, and F in the table? Here, “luxury goods” means whatever you think of as a luxury (e.g., travel, eatingout at a fancy restaurant, etc.). Please indicate your first choice pattern and the second choice pattern below.
(X ONE Box Under EACH)
Possible Patterns of Spending
SECOND
FIRST
ChoiceChoiceSpending In 2005
Spending In 2006
Pattern
Pattern(Relative to 2004)(Relative to 2004)
A.
Lower by 10%
Higher by 35% ........................... 1 
1 
B.

Lower by 5%

C.

Lower by 1%

D.

Higher by 2%

E.

Higher by 5%

F.

Higher by 10%

Higher by 25% ........................... 2 


3 
4 
5 
6 
2

Higher by 17% ........................... 3 Higher by 11% ........................... 4 Higher by 5% ............................. 5 

Lower by 5% .............................. 6 

For your reference, the chart below shows six possible patterns of spending (spending in 2004 is normalized to 100).
140

2005

130

2006

120
110
100
90
80
70
60
50
40

A
32.
33.

B

C

D

Are you currently employed?
1  Yes Æ (Skip To Qu. 35)

2

E

F

 No Æ (Continue)

About how much would you earn, before taxes and other deductions, if you had a job? You can answer in termsof yearly income, monthly income, or hourly wage if you like. (Write In Amount)
Yearly income: __________________________
Monthly income: _________________________
Dollars per hour: _________________________

34.

About how many hours per week would you work for pay if you had a job?
Hours per week: _________________ Æ (Skip To Qu. 41)

35.

About how many hours do you work for pay in a typical week?

Hours per week: ________________

36.

About how many days do you work for pay per year?

Days per year: __________________

37.

Assuming that your work hours were flexible, do you think you would increase, decrease, or keep your work hours
the same? If you would increase or decrease them, by about how many hours per week do you think you would
increase or decrease your work hours? (X ONE Box)
1  Increase Æ By how many hours per week? _________
2  No change
3  Decrease Æ By how many hours per week? _________
4  Would quit work entirely
5 Don't know

38.

At what age do you expect you and your spouse to retire? If you have no spouse, indicate "no spouse".
(Write In Age)
You, yourself: _________Your spouse: _________+  No spouse39.

Suppose you won a lottery that, every year, would pay you and your spouse an amount equal to last year's family
income for as long as you or your spouse live. We would like to know what effect the lottery money would have on
your life.
Assuming that your work hours were flexible, do you think the lottery money would result in increased work hours,
decreased work hours, or no change? If you would increase or decrease them, by about how many hours per
week do you think you would increase or decrease your work hours? (X ONE Box)
1  Increase Æ By how many hours per week? _________
2  No change
3  Decrease Æ By how many hours per week? _________
4  Would quit work entirely
5 Don't know
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[USA] 2005 Preference Parameters Study of Osaka University

39a.

If you won the lottery mentioned in Qu. 39, at what age do you expect you and your spouse to retire? If you haveno spouse, indicate "no spouse".
+  No spouse
You, yourself: _________Your spouse: _________

40.

Now suppose that instead of winning the lottery, your hourly pay rate were to be doubled permanently. Again,
assuming that work hours were flexible, do you think you would increase, decrease, or keep your work hours thesame? If you would increase or decrease them, by about how many hours per week do you think you would
increase or decrease your work hours? (X ONE Box)
1  Increase Æ By how many hours per week? _________
2  No change
3  Decrease Æ By how many hours per week? _________
4  Would quit work entirely
5 Don’t know

40a.

If your hourly pay rate were to be doubled permanently, at what age do you expect you and your spouse to retire?
If you have no spouse, indicate "no spouse". (Write In Age)
You, yourself: _________Your spouse: _________+  No spouse

41.

Have you ever received a flu shot?
1  Yes Æ (Continue)

42.
43.

 No Æ (Skip To Qu. 43)
Did you receive a flu shot during the last two years?
1  YesHave you been infected by the flu during the last two years?
1  Yes2

44.

How serious of a disease do you think the flu is? (X ONE Box)
1  An extremely serious disease which could cause death2  A very serious disease which could cause some after effects
3  A serious disease which takes you about a month to recover from
4  A disease which takes you about a week to recover from5  A disease which takes you about a few days to recover from
6  A disease which has little influence45.

How much do you think a flu shot costs? (X ONE Box)
1  Free3  $5.00 - $10.00
2  $1.00 - $5.00
4  $10.00 - $20.00

5
6

 No
2  No2

 $20.00 - $50.00
 Above $50.00

46.

How serious do you think the side effect caused by a flu shot is? (X ONE Box)
1  An extremely serious side effect which could cause death2  A very serious side effect which could cause some after effects
3  A serious side effect which takes you about a month to recover from
4  A side effect which takes you about a week to recover from5  A side effect which takes you a few days to recover from
6  A side effect which has little influence
7  There is no side effect47.

When you are infected with the flu, to what extent do you bother your family and friends? (X ONE Box)
1  I bother them extremely
2  I bother them a lot
3  I bother them a little
4  I hardly bother them48.

Do you intend to receive the flu shot in the next 12 months? (X ONE Box)
1  Yes, certainly
2  Yes, probably
3  I have not decided yet
4  No, probably not
5  No, certainly not

49.

How effective do you think the flu shot is? (X ONE Box)
1  The shot can prevent the flu perfectly
2  The shot can prevent almost all types of flu
3  The shot can prevent certain types of flu
4  Despite the flu shot, a high possibility to get the flu remains
5  The shot is never effective

50.

Estimate your chance to be infected by the flu during the next 12 months. (Write In Percent)_____________ %51.

Did you undergo a blood test in the last 12 months? (X ONE Box)
1  Yes, as part of a periodic test (including health check and complete medical check-up)
2  Yes, because of suspicion of disease
3  No52.

Please write in your HEIGHT:

53.

Your BLOOD TYPE is … (X ONE Box)
1 A
2 B
3  AB
4 0
5  Not sure_________ ft., ________in.

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[USA] 2005 Preference Parameters Study of Osaka University

The following are some questions about you.

 Male Female

54.

Your gender:

55.

What is your marital status? (X ONE Box)
1  Now married
2  Never married

56.

1

2

3

 Divorced/Separated

4

 Widowed

How many brothers and sisters did you have when you were 15 years old? (Write In Number For EACH)
Older brothers..............______
Younger brothers ............. ______
Older sisters ................______
Younger sisters................ ______

Please answer the following questions for you and your spouse (if applicable)
57.
58.

What are you and your spouse’s birth years? (Write In Year)
You, yourself: _________Your spouse: _________+

 No spouse

Please indicate the highest level of education (or equivalent) completed by you and your spouse. If you are still inschool, “X” the one you are in now. (X ONE Box For EACH)
Yourself
Your SpouseNo spouse ...................................................................................................................................... + 
1 
Grade School........................................................................................... 1 
2 Some High School................................................................................... 2 
3 Graduated High School ........................................................................... 3 
4 
Some College - no degree ...................................................................... 4 
5 
Graduated College - Associate’s Degree (2 year) .................................. 5 
6 
Graduated College - Bachelor’s Degree (4 year) ................................... 6 
7 Some post graduate studies - no degree ................................................ 7 
8 
Masters Degree - MS, MA, MBA, etc. .................................................... 8 
9 
Doctoral Degree - DVM, Ph.D, DDS, etc. ............................................... 9 

59.

What are you and your spouse’s occupations? (X ONE Box For EACH)
Yourself
Your SpouseNo spouse ...................................................................................................................................... + 
01 
Office worker (office clerks, sales persons)............................................01 
Shop worker (running retail shops, shop persons or
02 door-to-door salesman, etc.) ..............................................................02 
Managerial post (manager of government employees or a
03 company’s employees, or directors, etc.) ...........................................03 Specialists / Technical posts (teachers, doctors, technical04 
experts, or artists, etc.) .......................................................................04 
Worker in the Service industry (barbers/hairstylists,
05 
waiters/waitresses, taxi drivers or security guards, etc.) ....................05 
06 
Field worker (carpenters, repairmen or factory workers, etc.)................06 
07 
Agriculture, forestry and fisheries industry .............................................07 
08 
Housewives/Househusbands (part-time workers) .................................08 
09 
Housewives/Househusbands (unemployed) .........................................09 
Student ...................................................................................................10 
10 
11 
Retired (excluding housewives/househusbands) ..................................11 
12 
Unemployed (excluding housewives/househusbands) .......................12 Other (Specify): _______________________________________......... 
If you answered 1 to 7 for yourself at Qu. 58, please continue. Otherwise, skip to Qu. 61

60a.

What is the type of your employment? (X ONE Box)
1  Company employee/Organization staff
2  Government employee
3  Businessman/Director
4  Self-employed
5  Family business employee (in self-employed business)

60b.

How many years have you been working for your present company? (X ONE Box)
1  Less than a year
5  20 years to less than 30 years
2  A year to less than 5 years
6  30 years to less than 40 years
3  5 years to less than 10 years
7  More than 40 years
4  10 years to less than 20 years

60c.

Approximately how many employees are working for the company/office you are working for? Answer theapproximate number including all the head office, branch offices, branch stores, sales offices and factories. If you
are working for a government organization, select "Government employee." (X ONE Box)1  1 to 5 people
4  100 to 299 people
7  1,000 to 4,999 people
2  6 to 29 people
5  300 to 499 people
8  More than 5,000 people3  30 to 99 people
6  500 to 999 people
9  Government employee

60d.

Which one of the following best describes the industry in which you work? (X ONE Box)
01  Agriculture and forestry industry
07  Real estate business
02  Mining industry
08  Transport /Correspondence industry
03  Construction industry
09  Electric/Gas/Water/Heat supply industry
04  Manufacturing industry
10  Service industry
05  Wholesale/Retail business11  Others
06  Financial/Insurance business61.

Do you have any children? (X ONE Box)
1  No children Æ (Skip To Qu. 62)

61a.

How old is your youngest child now? (Write In)2

 Have children Æ # of children: _______ Æ (Continue)_______ years old
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[USA] 2005 Preference Parameters Study of Osaka University

62.

Approximately how much was the annual earned income of you and your spouse before taxes, with bonuses
included (and also business income) for 2004? If you prefer answering in terms of monthly income or hourly
wage, please write in the amount on the appropriate line. (X ONE Box)
Yourself
Your SpouseNo spouse ...................................................................................................................................... + 
01 
None .......................................................................................................01 
02 
Less than $10,000 ..................................................................................02 
03 $10,000 to less than $20,000 .................................................................03 
04 $20,000 to less than $40,000 .................................................................04 
05 $40,000 to less than $60,000 .................................................................05 
06 $60,000 to less than $80,000 .................................................................06 
07 $80,000 to less than $100,000 ...............................................................07 
08 $100,000 to less than $120,000 .............................................................08 
09 $120,000 to less than $140,000 .............................................................09 More than $140,000 ...............................................................................10 
10 Monthly income (Specify): ..........................................................$________________ $________________
Dollars per hour (Specify):..........................................................$________________ $________________

63.

Which of the following best describes your current family status? (X ONE Box) Single
5  Husband, wife, children and you or your
spouse’s parents
2  Husband and wife
6  Husband, wife, children, you or your spouse’s
3  Husband, wife and children
parents, brothers and sisters
4  Single parent and children Others (Specify): ________________________
1

64.

How many people are currently living in your household? (Write In)# of people: ________

65.

How many people were there in your household last year? (Write In)# of people: ________

66.

How much was the average food expense of your entire family per month in 2004? (Write In Rounding To
Nearest Whole Dollar)
Approximate food expense (excluding expense of eating out).....$________________ per month
Approximate expense of eating out ..............................................$________________ per month67.

How much did you spend on durable consumer goods such as housing, cars, and expensive electronic products
for your entire family in 2004? (Write In Rounding To Nearest Whole Dollar)
Approximate expense in 2004 for entire family ............................$________________

68.

How much are the average expenditures of your entire family per month in 2004? Exclude durable consumer
goods purchased such as housing, cars, expensive electronic products, taxes, insurance premiums, andmortgage interest. Include costs of public utilities and energy bills. (Write In Rounding To Nearest Whole
Dollar)Approximate expense in 2004 for entire family ............................$________________ per month69.

How much did the gross expenditures of your entire family in 2004 change compared to the amount in 2003?
(X ONE Box)
Increasedby less
than 1%OR
Decreased
Increased
Decreasedby less Decreased Decreased Decreased Decreased by moreby more Increased Increased Increased Increased
than 9%by 8-9%by 6-7%by 4-5%by 1-3%than 1%by 1-3%by 4-5%by 6-7%by 8-9%than 9%
10



09



08



07



06



05



04



03



02



01



00



70.

How much do you estimate the gross expenditures of your entire family in 2005 will change compared to theamount in 2004? (X ONE Box)
Increaseby less
than 1%OR
Decrease
Increase
Decreaseby less Decreased Decrease Decrease Decrease by moreby moreIncrease
Increase
Increase
Increasethan 1%than 9%by 8-9%by 6-7%by 4-5%by 1-3%by 1-3%by 4-5%by 6-7%by 8-9%than 9%
10



09



08



07



06



05



04



03



02



01



00



71.

What would you estimate the annual growth rate of consumer prices to be in 2005? (X ONE Box)
Increaseby less
than 0.5%
OR
Decrease
Increase
Decreaseby lessby moreIncrease
Increase
Increase
Increase
Decrease Decrease Decrease Decrease by morethan 4.5% by 3.6-4.5% by 2.6-3.5% by 1.6-2.5% by 0.5-1.5% than 0.5% by 0.5-1.5% by 1.6-2.5% by 2.6-3.5% by 3.6-4.5% than 4.5%
10



09



08



07



06



05



04



03



02



01



00



72.

Are you seeking a job? (Please answer regardless of whether or not you presently have a job.) (X ONE Box)
1  Seeking a job
2  Not seeking a job

73.

Have you experienced unemployment in the past 5 years? Here, "unemployment" means being jobless and also
seeking a job. (X ONE Box)
1  Have experienced
2  Haven’t experienced74.

Do you think there is a possibility that you or someone in your family will be unemployed (in case of running yourown business, the possibilities of discontinuing business) within 2 years? (X ONE Box)
1  Strong possibility
2  Some possibility
3  Little possibility
4  Don’t know
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[USA] 2005 Preference Parameters Study of Osaka University

75.

Do you think you will move in the next 5 years? (X ONE Box)
1  Moving is a certainty
2  Strong possibility of moving
3  Can’t say which
4  Little possibility of moving
5  No possibility of moving

76.

Please indicate the highest level of education (or equivalent) completed by your parents and your spouse’s
parents. (X ONE Box For EACH)+  No spouse
Your
Your
Your
Your
Spouse’s Spouse’s
MotherFatherMotherFatherGrade School.....................................................................................1 Some High School.............................................................................2 Graduated High School .................................................................3 Some College - no degree ................................................................4 Graduated College - Associate’s Degree (2 year) ............................5 Graduated College - Bachelor’s Degree (4 year) .............................6 
Post Graduate Degree - MS, MA, MBA, DVM, Ph.D., DDS, etc. .....7 



3 
4 
5 
6 
7 



3 
4 
5 
6 
7 



3 
4 
5 
6 
7 

1

1

1

2

2

2

77.

Now, we would like to ask you about dependents in your family. Here, dependents mean anyone you claimed onyour last tax return. Are you ... (X ONE Box)
1  Supporting someone in the family.
2  Supported by someone in your family.
3  Neither supporting nor being supported. (singles household included)

78.

Which type of home do you live in? (X ONE Box)
1  Your own house (a single house)
2  Your own condominium
3  Private rented house (a single house or an apartment)
4  Supplied house (a company house or an official residence)79.

 Government-owned housing Lodgings (Hotels, Motels, etc.)
7  Dormitory, Group Quarters, etc.
8  Others
56

Approximately how much was the annual earned income before taxes and with bonuses included of your entire
household for 2004? (If you are student, please answer the income of your parents’ entire household.) (X ONE
Box)
01  Less than $10,000
07 $100,000 to less than $120,000
02  $10,000 to less than $20,000
08 $120,000 to less than $140,000
03  $20,000 to less than $40,000
09 $140,000 to less than $160,000
04 $40,000 to less than $60,000
10 $160,000 to less than $180,000
05  $60,000 to less than $80,000
11 $180,000 to less than $200,000
06  $80,000 to less than $100,000
12  More than $200,000

80.

How much did the annual earned gross income of your entire household of 2004 change compared to the amountof 2003? (If you are student, please answer the income of your parents’ entire household.) (X ONE Box)
Increasedby less
than 1%OR
Decreased
Increased
Decreasedby more Increased Increased Increased Increased
by less Decreased Decreased Decreased Decreased by moreby 8-9%by 6-7%by 4-5%by 1-3%than 1%by 1-3%by 4-5%by 6-7%by 8-9%than 9%than 9%
10



09



08



07



06



05



04



03



02



01



00



81.

How much do you estimate the annual earned gross income of your entire household in 2005 will change
compared to the amount in 2004? (If you are a student, please answer the income of your parents’ entire
household.) (X ONE Box)
Increase bylessthan 1%OR
Decrease by
Increase
Decreaselessby moreIncrease
Increase
Increase
Increase
Decrease Decrease Decrease Decrease by morethan 1%than 9%by 8-9%by 6-7%by 4-5%by 1-3%by 1-3%by 4-5%by 6-7%by 8-9%than 9%
10



09



08



07



06



05



04



03



02



01



00



82.

Approximately how much is the present appraised value of all housing and properties which your entire household
owns? (If you are a student, please answer about the housing and properties your parents’ entire householdowns.) (X ONE Box)
01  Do not possess housing or properties
06  $200,000 to less than $300,000
02  Less than $50,000
07  $300,000 to less than $400,000
03  $50,000 to less than $100,000
08  $400,000 to less than $500,000
04  $100,000 to less than $150,000
09  $500,000 to less than $1,000,000
05  $150,000 to less than $200,000
10  $1,000,000 or more

83.

Approximately how much would the balance of financial assets (savings, stocks and insurance, etc.) of your entire
household be? (If you are a student, please answer the balance of financial assets of your parents’ entire
household.) (X ONE Box)
01  Less than $25,000
06  $150,000 to less than $200,000
02  $25,000 to less than $50,000
07  $200,000 to less than $300,000
03  $50,000 to less than $75,000
08  $300,000 to less than $500,000
04  $75,000 to less than $100,000
09  $500,000 to less than $1,000,000
05  $100,000 to less than $150,000
10  $1,000,000 or more

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84.

Please indicate which of the following financial assets you own. (X ALL That Apply)
01  Bank savings (including cooperative banks, credit unions and other associations)
02  Corporate bonds
03  Life insurances
04  Stocks
05  Investment Trusts
06  Foreign currency deposits
07  Futures / Options
08  U.S. Government bonds
09  Government bonds of foreign countries
10  Private pensions (by life insurance companies or postal annuity pension system)11  Company pensions
12  Cash Savings
13  None Æ (Skip To Qu. 86)

Æ (Continue)

85.

What percentage of your financial assets of your entire household are in the following ... (Write In % For EACH)
Bank savings, cash, U.S. government bonds .......................................................................... ________%
Investment Trusts, Stocks, Futures/Options, Corporate Bonds, Foreign currency
deposits, Government bonds of foreign countries................................................................ ________%

86.

What would you say is your average annual profit-earning rate of your financial assets? (Write In)_________ _________ %+ Cannot say

87.

When you decide to hold financial assets such as bank deposits or stock investments, how much importance doyou place on the following items? Using a scale of 1-5 with “1” being “Most Important” and “5” being “Not At All
Important”, rate each item. (X ONE Box For EACH)
Neither
Important
Most
SomewhatNor
Not Very
Not At All
Important
Important Unimportant Important
Important
2 
3 
4 
5 
High profitability ................................................... 1 
2 
3 
4 
5 
High stability ........................................................ 1 
2 
3 
4 
5 
Liquidity ............................................................... 1 
2 
3 
4 
5 
Possible to invest small amounts ........................ 1 
2 
3 
4 
5 
Explanations by salesperson............................... 1 
2 
3 
4 
5 
Diversification of risk by holding multiple assets . 1 
2 
3 
4 
5 
Interest factors in investing.................................. 1 
2 
3 
4 
5 
Convenience of branches.................................... 1 
2 
3 
4 
5 
Convenience of internet ...................................... 1 
2 
3 
4 
5 
Knowledge of the financial instruments .............. 1 
2 
3 
4 
5 
Operational experiences in the past ................... 1 Whether friends or acquaintances are
2 
3 
4 
5 
using it or not ................................................... 1 Credibility of agencies transacting these
2 
3 
4 
5 
financial instruments........................................ 1 88.

If you don't mind, do you have any liabilities or debts presently? Liabilities or debts include housing loans.
(X ONE Box)
1  No liabilities or debts Æ (Skip To Qu. 90)
2  Have liabilities or debts Æ (Continue)

88a.

If you have housing loans, what is the balance of your housing loans presently? (X ONE Box)
01  Less than $25,000
07  $200,000 to less than $300,000
02  $25,000 to less than $50,000
08  $300,000 to less than $500,000
03  $50,000 to less than $75,000
09  $500,000 to less than $1,000,000
04  $75,000 to less than $100,000
10  $1,000,000 or more
05  $100,000 to less than $150,000
11  No mortgage loans
06  $150,000 to less than $200,000

88b.

Do you have any liabilities or debts other than housing loans? (X ONE Box)
01  No loans other than mortgage loans
07  $50,000 to less than $75,000
02  Less than $5,000
08  $75,000 to less than $100,000
03  $5,000 to less than $10,000
09  $100,00 to less than $200,000
04  $10,000 to less than $20,000
10  $200,000 to less than $300,000
05  $20,000 to less than $30,000
11  $300,000 or more
06  $30,000 to less than $50,000

89.

Have you ever been rejected for a loan application (excluding housing loans)?

90.

If you hesitate to borrow money (excluding housing loans), what is your reason? Below are some reasons people
may hesitate to borrow money (excluding housing loans). Using a scale of 1 to 5 where “1” is “Completely Agree”
and “5” is “Completely Disagree”, indicate how much you agree or disagree with the following reasons. (X ONE
Box For EACH)
NeitherCompletely
Agree
Agree Nor Somewhat Completely
Agree
Somewhat
DisagreeDisagreeDisagree
2 
3 
4 
5 
Fear of being rejected.......................................... 1 
2 
3 
4 
5 
Interest seems high ............................................. 1 
2 
3 
4 
5 
Need not borrow money because I have enough 1 
2 
3 
4 
5 
Shouldn't borrow money from anybody............... 1 

91.

How many years ahead do you plan your savings amount per month? The savings amount includes payments forhousing loans. (X ONE Box)
1  Less than a year3  3-5 years ahead
5 11-20 years ahead
2  A year or two ahead
4  6-10 years ahead
6  More than 20 years ahead
15
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.

1

 Yes

2

 No

[USA] 2005 Preference Parameters Study of Osaka University

92.

On a scale of 0-10 with “10” being “Wealthiest” and “0” being “Poorest”, please indicate what you think yourstandard of living is. (X ONE Box)
PoorestWealthiest
10

93.



09



08



07



06



05



04



03



02



01



00



On a scale of 0-10 with “10” being “Wealthiest” and “0” being “Poorest”, please indicate what you think thestandard of living was for your family while you were growing up. (X ONE Box)
PoorestWealthiest
10



09



08



07



06



05



04



03



02



01



00



94.

Please write in the name of the state where you lived when you were 15 years old. If you lived outside the UnitedStates, then write in the name of country. (Write In)
Name of state: ____________________________________________________or Æ Country (if outside U.S.): ____________________________________________

95.

Do you smoke? (X ONE Box)
1 Don't smoke at all
2 Hardly smoke

34

Smoke sometimes
About 10 cigarettes a day

5
6About a pack a day
More than 2 packs a day

96.

Do you drink alcoholic beverages? (X ONE Box)
1 Don't drink at all
4 A can of beer (12 oz.) or its equivalent a day, everyday
2 Hardly drink
5 3 cans of beer (12 oz. x 3) or its equivalent a day, everyday
3 Drink sometimes
6 5 cans of beer (12 oz. x 5) or its equivalent a day, everyday

97.

Do you gamble in lotteries or at casinos, or bet on sporting events or horse races? (X ONE Box)
1 Don't gamble at all
3 Several times a year or so 5 Once a week or so
2 Hardly gamble
4 Once a month or so
6 Almost everyday

We are interested in parent-child relationship as a research subject, and require information on both your parent’s andchildren’s generation. We wish to ask questions not only to you but also to your parents, your spouse's parent or yourchildren. May we contact them?
98.

May we contact your parents? (X ONE Box)
1 Yes2 No
3 No one fits the requirement

99.

May we contact your spouse? (X ONE Box)
1 Yes2 No
3 No one fits the requirement

100.

May we contact your spouse's parents? (X ONE Box)
1 Yes2 No
3 No one fits the requirement

101.

May we contact some or all of your children over 15 years old, regardless of whether or not they live with you?
(X ONE Box)
1 Yes2 No
3 No one fits the requirement

102.

In case that you answer “yes”, we will ask you contact information, etc. of people who could participate. If thosepeople would actually participate, we will thank them with additional gratuities.
If you answer "yes" to at least one of the four questions above, please write your name and address.
Your name: ____________________________________________________________________Your address: __________________________________________________________________
Thank you for your help with this study. Please return your completed
questionnaire in the enclosed postage-paid envelope as soon as possible.

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