| 1 | A | B | C | D | E |
| --- | --- | --- | --- | --- | --- |
| 2 | this table displays the results of median debt-to-income ratio and debt-to-asset ratio across family characteristics 1999 and 2012, calculated using median debt-to-income ratio and median debt-to-asset ratio units of measure (appearing as column headers) |  |  |  |  |
| 3 |  | 1999 | 2012 | 1999 | 2012 |
| 4 |  | median debt-to-income ratio |  | median debt-to-asset ratio |  |
| 5 | all | 0.78 | 1.10 | 0.27 | 0.25 |
| 6 | age of major income earner |  |  |  |  |
| 7 | 15 to 34 | 0.83 | 1.28 | 0.52 | 0.53 |
| 8 | 35 to 44 | 1.15 | 1.93 | 0.31 | 0.39 |
| 9 | 45 to 54 | 0.75 | 1.16 | 0.18 | 0.20 |
| 10 | 55 to 64 | 0.48 | 0.84 | 0.08 | 0.11 |
| 11 | 65 and over | 0.24 | 0.42 | 0.05 | 0.05 |
| 12 | education of major income earner |  |  |  |  |
| 13 | less than high school | 0.44 | 0.50 | 0.22 | 0.20 |
| 14 | high school | 0.83 | 0.94 | 0.29 | 0.26 |
| 15 | college/trades | 0.93 | 1.26 | 0.30 | 0.28 |
| 16 | university degree | 0.96 | 1.43 | 0.24 | 0.23 |
| 17 | family structure |  |  |  |  |
| 18 | non-seniors |  |  |  |  |
| 19 | singles | 0.55 | 0.82 | 0.40 | 0.40 |
| 20 | couples without children or with children 18 and over | 0.79 | 1.20 | 0.20 | 0.19 |
| 21 | couples with children under 18 | 1.24 | 1.94 | 0.33 | 0.34 |
| 22 | lone parents | 0.62 | 0.62 | 0.42 | 0.37 |
| 23 | others | 0.48 | 0.65 | 0.17 | 0.21 |
| 24 | seniors | 0.24 | 0.42 | 0.05 | 0.05 |
| 25 | immigrant status of major income earner |  |  |  |  |
| 26 | immigrated within the last 10 years | 0.89 | 1.66 | 0.52 | 0.45 |
| 27 | more than 10 years since immigration | 0.88 | 1.37 | 0.25 | 0.26 |
| 28 | canadian-born | 0.76 | 1.03 | 0.26 | 0.24 |
| 29 | region |  |  |  |  |
| 30 | atlantic | 0.56 | 0.87 | 0.20 | 0.22 |
| 31 | quebec | 0.66 | 0.75 | 0.24 | 0.19 |
| 32 | ontario | 0.92 | 1.18 | 0.29 | 0.27 |
| 33 | manitoba and saskatchewan | 0.72 | 0.99 | 0.22 | 0.23 |
| 34 | alberta | 0.92 | 1.60 | 0.31 | 0.31 |
| 35 | british columbia | 0.98 | 1.43 | 0.31 | 0.27 |
| 36 | homeownership status |  |  |  |  |
| 37 | owners with a mortgage | 1.72 | 2.46 | 0.35 | 0.35 |
| 38 | owners without a mortgage | 0.25 | 0.38 | 0.03 | 0.03 |
| 39 | non-owners | 0.27 | 0.31 | 0.34 | 0.37 |
| 40 | income quintile |  |  |  |  |
| 41 | bottom quintile | 0.62 | 0.76 | 0.45 | 0.40 |
| 42 | second quintile | 0.64 | 0.79 | 0.28 | 0.28 |
| 43 | middle quintile | 0.88 | 1.36 | 0.28 | 0.27 |
| 44 | fourth quintile | 0.91 | 1.34 | 0.24 | 0.21 |
| 45 | top quintile | 0.87 | 1.24 | 0.18 | 0.16 |

Question: what was the median debt-to-income ratio in 1999?
Answer: 0.78

Question: what was the median debt-to-income ratio in 2012?
Answer: 1.1

Question: how many times of the family income was the debt of the median family in 2012?
Answer: 1.1

Question: how much did the median debt-to-asset ratio amount to in 1999?
Answer: 0.27

Question: how much did the median debt-to-asset ratio amount to in 2012?
Answer: 0.25

Question: which age group has the highest debt-to-income ratio?
Answer: 35 to 44

Question: what was the debt-to-income ratio among those aged 35 to 44 in 1999?
Answer: 1.15

Question: what was the debt-to-income ratio among those aged 35 to 44 in 2012?
Answer: 1.93

Question: what was the median ratio among families in the 65-and-over group in 1999?
Answer: 0.24

Question: what was the median ratio among families in the 65-and-over group in 2012?
Answer: 0.42

Question: what was the median debt-to-asset ratio for families whose major income earner was aged 35 to 44 in 1999?
Answer: 0.31

Question: what was the median debt-to-asset ratio for families whose major income earner was aged 35 to 44 in 2012?
Answer: 0.39

Question: what was the median debt-to-income ratio among mortgagees in 1999?
Answer: 1.72

Question: what was the median debt-to-income ratio among mortgagees in 2012?
Answer: 2.46

Question: what was the median debt-to-asset ratio of quebec in 1999?
Answer: 0.24

Question: what was the median debt-to-asset ratio of quebec in 2012?
Answer: 0.19