| 1 | A | B | C |
| --- | --- | --- | --- |
| 2 | predicted probability of skipping or delaying payments because of financial difficulties, by debt-to-asset ratio and other characteristics, 2016 |  |  |
| 3 |  | non-mortgage payment skipped or delayed in the past year | mortgage payment skipped or delayed in the past year |
| 4 |  | predicted probability |  |
| 5 | debt-to-asset ratio category |  |  |
| 6 | up to 0.25 | 0.048 | 0.013 |
| 7 | above 0.25 and up to 0.50 | 0.068 | 0.027 |
| 8 | above 0.50 | 0.098 | 0.056 |
| 9 | age group of main income earner |  |  |
| 10 | 15 to 34 years | 0.071 | 0.015 |
| 11 | 35 to 44 years | 0.065 | 0.027 |
| 12 | 45 to 54 years | 0.094 | 0.035 |
| 13 | 55 to 64 years | 0.074 | 0.057 |
| 14 | over 64 years | 0.034 | 0.029 |
| 15 | family type |  |  |
| 16 | unattached | 0.067 | 0.030 |
| 17 | couple with no children | 0.054 | 0.019 |
| 18 | couple with children | 0.072 | 0.030 |
| 19 | lone parent | 0.091 | 0.077 |
| 20 | "other" family types | 0.085 | 0.029 |
| 21 | education of main income earner |  |  |
| 22 | less than high school | 0.083 | 0.044 |
| 23 | high school | 0.077 | 0.031 |
| 24 | some postsecondary | 0.087 | 0.034 |
| 25 | university diploma or degree | 0.042 | 0.021 |
| 26 | income group |  |  |
| 27 | first quintile | 0.097 | 0.062 |
| 28 | second quintile | 0.095 | 0.031 |
| 29 | third quintile | 0.057 | 0.028 |
| 30 | fourth quintile | 0.054 | 0.032 |
| 31 | fifth quintile | 0.020 | 0.012 |
| 32 | region |  |  |
| 33 | atlantic | 0.049 | 0.037 |
| 34 | quebec | 0.075 | 0.027 |
| 35 | ontario | 0.062 | 0.022 |
| 36 | prairies | 0.091 | 0.049 |
| 37 | british columbia | 0.071 | 0.031 |
| 38 | sex of main income earner |  |  |
| 39 | male | 0.071 | 0.030 |
| 40 | female | 0.070 | 0.030 |
| 41 | home ownership status |  |  |
| 42 | own without mortgage | 0.048 | .. |
| 43 | own with mortgage | 0.051 | .. |
| 44 | do not own | 0.099 | .. |

Question: by what percentage would families with a debt-to-asset ratio up to 0.25 skip or delay a non-mortgage payment?
Answer: 0.048

Question: by what percentage would families with a debt-to-asset ratio above o.5 skip or delay a non-mortgage payment?
Answer: 0.098