Q3505 In which of the following ways, if any, are you planning to prepare and file your taxes this year? Please select all that apply. Page 1 Base: All Respondents Unweighted Base 2469 585 675 725 484 618 446 570 835 1222 325 219 283 395 1247 293 227 287 440 1253 580 482 Weighted Base 2469 537 540 832 560 750 391 545 783 1198 386 190 265 356 1271 364 201 280 426 1237 635 417 Will Be Filing Taxes This 2123 452 481 722 468 597 348 480 698 1034 300 171 237 325 1090 297 176 243 373 1184 459 327 Year (Net) 86%FU 84% 89%abE 87% 84% 80% 89%F 88%F 89%AF 86% 78% 90%KP 89%KP 91%KP 86% 82% 88%K 87%K 88%Kp 96%AUV 72% 78%u V Using an online tax 894 176 196 319 202 288 173 193 241 471 158 89 103 121 423 130 84 90 119 466 208 133 preparation and filing 36%IO 33% 36% 38% 36% 38%I 44%AHI 35% 31% 39%AO 41%rS 47%Np 39%S 34% 33% 36%s 42%rS 32% 28% 38%v 33% 32% program (e.g., TurboTax, v RS TaxCut) Hiring an accountant 453 119 98 139 96 103 61 93 195 219 55 29 47 88 233 49 32 46 107 296 72 70 18%FU 22%Ad 18% 17% 17% 14% 16% 17% 25%AFG 18% 14% 15% 18% 25%KL 18% 13% 16% 16% 25%KL 24%AUV 11% 17%u H PQR mpqr Using a tax preparation 333 78 77 114 64 82 54 92 104 154 37 29 44 45 178 45 26 48 59 206 53 57 firm (e.g., H&R Block) 13%fU 14% 14% 14% 11% 11% 14% 17%AF 13% 13% 9% 15% 17%K 13% 14% 12% 13% 17%K 14% 17%AU 8% 14%U Having a friend or other 215 49 62 64 40 115 32 26 42 100 55 18 14 13 115 60 14 12 29 73 102 31 family member handle it 9%HIT 9% 11%Ade 8% 7% 15%AGHI 8%h 5% 5% 8% 14%MNQ 9%Nr 5% 4% 9% 16%lMN 7% 4% 7% 6% 16%ATV 7% RS QRS Completing paper forms and 208 43 54 58 54 63 34 48 64 124 37 24 22 40 85 26 10 26 23 102 65 24 mailing them myself 8%Ov 8% 10% 7% 10% 8% 9% 9% 8% 10%AO 10%s 13%pQS 8% 11%QS 7% 7% 5% 9% 5% 8% 10%V 6% Having my spouse/partner 203 40 40 68 54 36 44 53 70 75 17 18 16 25 128 18 26 37 46 171 5 9 handle it 8%FJU 7% 7% 8% 10% 5% 11%aF 10%F 9%F 6% 5% 9%k 6% 7% 10%AJ 5% 13%KM 13%KM 11%Km 14%AUV 1% 2% V np NP P Other 82 9 19 38 16 16 9 14 42 41 9 2 8 22 41 8 7 6 21 53 10 17 3%bU 2% 3% 5%aB 3% 2% 2% 3% 5%AFgh 3% 2% 1% 3% 6%KLP 3% 2% 4% 2% 5%l 4%aU 2% 4%U R N/A - I will not be filing 346 84 59 110 92 153 44 65 84 164 86 19 28 32 182 67 25 37 53 53 176 90 taxes this year. 14%cI 16%c 11% 13% 16%C 20%AGH 11% 12% 11% 14% 22%LM 10% 11% 9% 14% 18%LM 12% 13% 12% 4% 28%ATv 22%AT T I NQRS Ns Sigma 2734 598 606 911 619 857 451 584 842 1350 454 227 283 386 1384 403 224 301 456 1419 691 432 111% 111% 112% 109% 111% 114% 115% 107% 108% 113% 117% 119% 107% 108% 109% 111% 111% 108% 107% 115% 109% 104% Overlap formulae used.
Q3510 Which of the following, if anything, causes you worry when it comes to completing and filing your taxes? Please select all that apply. Page 2 Base: Will Be Filing Taxes This Year Unweighted Base 2155 504 604 632 415 519 399 497 740 1070 265 197 249 359 1085 254 202 248 381 1198 445 384 Weighted Base 2123 452 481 722 468 597 348 480 698 1034 300 171 237 325 1090 297 176 243 373 1184 459 327 Any Cause Worry (Net) 1571 324 359 557 330 466 259 363 482 754 224 131 181 218 817 243 128 182 264 878 334 241 74%I 72% 75% 77%abe 71% 78%aI 75% 76%i 69% 73% 75% 76%n 76%n 67% 75% 82%Nq 73% 75% 71% 74% 73% 74% S Owing money 770 142 177 287 165 210 129 187 244 361 97 61 88 114 409 113 68 99 129 443 159 116 36%B 31% 37% 40%aB 35% 35% 37% 39% 35% 35% 32% 36% 37% 35% 38% 38% 39% 41% 35% 37% 35% 35% That I won't get the 610 133 136 209 132 223 111 130 146 261 94 49 53 66 349 129 62 77 80 318 160 82 highest refund possible 29%IJ 29% 28% 29% 28% 37%AHI 32%I 27%i 21% 25% 31%mN 28%n 22% 20% 32%AJ 43%KL 35%MN 32%mN 22% 27% 35%ATV 25% because I/someone else did t S MNRS S S something wrong Doing something wrong and 580 109 125 220 126 201 88 135 156 240 75 33 61 70 340 126 55 73 86 303 160 76 facing a fine 27%IJ 24% 26% 30%ab 27% 34%AGI 25% 28%i 22% 23% 25% 19% 26% 22% 31%AJ 42%KL 31%Ln 30%Ln 23% 26% 35%ATV 23% MNqRS s Completing all of the 505 104 122 171 108 157 83 108 157 262 73 48 55 86 243 84 35 52 72 293 127 54 right forms 24%V 23% 25% 24% 23% 26% 24% 22% 23% 25% 24% 28%s 23% 26%s 22% 28%S 20% 21% 19% 25%V 28%V 16% Ensuring that I have 488 111 99 176 102 136 80 107 166 242 52 54 60 76 246 84 25 47 90 275 111 71 received all of the proper 23% 24% 21% 24% 22% 23% 23% 22% 24% 23% 17% 32%Kn 25%kQ 23%q 23% 28%KQ 14% 19% 24%Q 23% 24% 22% paperwork needed QR r That I/someone else will 301 71 63 103 64 121 42 58 81 132 48 21 27 36 169 72 21 31 44 157 93 35 prepare them incorrectly 14%Iv 16% 13% 14% 14% 20%AGH 12% 12% 12% 13% 16% 12% 11% 11% 16% 24%kL 12% 13% 12% 13% 20%ATV 11% and will have to do them I MNQRS again Pressure of deadlines 159 36 31 51 42 56 24 36 44 76 24 16 17 18 83 32 8 18 26 81 50 20 7% 8% 6% 7% 9% 9% 7% 7% 6% 7% 8% 10% 7% 6% 8% 11%nq 4% 7% 7% 7% 11%ATv 6% Other 37 6 4 21 6 12 3 12 10 17 4 1 9 4 20 8 2 3 7 10 14 13 2%T 1% 1% 3%ac 1% 2% 1% 3% 1% 2% 1% 1% 4% 1% 2% 3% 1% 1% 2% 1% 3%T 4%AT None 552 128 121 164 138 131 88 117 216 280 76 40 56 107 272 54 48 61 109 306 125 85 26%df 28%d 25% 23% 29%d 22% 25% 24% 31%AFh 27% 25% 24% 24% 33%lm 25% 18% 27%p 25% 29%P 26% 27% 26% P Sigma 4002 839 878 1402 883 1245 648 888 1221 1870 543 323 427 577 2132 702 325 462 643 2186 999 551 189% 186% 183% 194% 189% 209% 186% 185% 175% 181% 181% 189% 180% 178% 196% 236% 184% 190% 172% 185% 218% 169% Overlap formulae used.
Q3515 Which of the following, if any, do you do in regards to your tax withholdings? Page 3 Base: Will Be Filing Taxes This Year Unweighted Base 2155 504 604 632 415 519 399 497 740 1070 265 197 249 359 1085 254 202 248 381 1198 445 384 Weighted Base 2123 452 481 722 468 597 348 480 698 1034 300 171 237 325 1090 297 176 243 373 1184 459 327 Withhold More/Less (Net) 937 205 231 325 176 327 178 210 222 449 158 87 95 109 488 169 90 116 114 520 219 114 44%EI 45%e 48%aE 45%e 37% 55%AHI 51%AI 44%I 32% 43% 53%MN 51%mN 40%s 33% 45% 57%MN 51%mN 48%NS 30% 44%V 48%V 35% V S S S S I withhold more so I 635 143 166 212 113 227 107 136 165 304 119 57 55 73 330 108 50 81 92 350 147 80 receive a larger refund 30%EI 32%e 35%AE 29% 24% 38%AgH 31%I 28% 24% 29% 40%MN 33%mN 23% 23% 30% 36%MN 28% 33%mN 25% 30% 32%v 24% when I file my taxes. V I qs s S s I withhold less so I 303 63 65 113 62 100 71 74 58 145 39 31 40 36 158 61 40 34 22 170 72 34 receive more money in my 14%Iv 14% 14% 16% 13% 17%I 20%AI 15%I 8% 14% 13%S 18%nS 17%S 11%s 14% 21%kN 23%KN 14%S 6% 14% 16%v 10% paycheck each month and S rs receive a smaller/no refund when I file my taxes. I try to adjust my 444 94 90 154 106 82 51 113 198 255 56 34 62 103 189 27 17 51 95 307 52 60 withholdings so I don't have 21%FG 21% 19% 21% 23% 14% 15% 24%FG 28%AFG 25%AO 19%PQ 20%PQ 26%PQ 32%KL 17% 9% 10% 21%PQ 25%PQ 26%AUV 11% 19%U to pay or don't receive a OU PQR refund. None of these 742 153 159 243 187 188 119 157 278 330 86 50 80 113 412 102 69 77 165 357 188 152 35%JT 34% 33% 34% 40%ac 31% 34% 33% 40%AFh 32% 29% 29% 34% 35% 38%AJ 34% 39%k 32% 44%KL 30% 41%AT 47%AT mnpr Sigma 2123 452 481 722 468 597 348 480 698 1034 300 171 237 325 1090 297 176 243 373 1184 459 327 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% Overlap formulae used.
Q3520 Which of the following do you plan to do with your tax refund this year? Please select all that apply. Page 4 Base: Withold More To Receive Larger Refund Unweighted Base 646 161 203 178 104 189 128 150 179 321 97 64 69 91 325 92 64 81 88 361 132 100 Weighted Base 635 143* 166 212 113* 227 107* 136* 165 304 119* 57* 55* 73* 330 108* 50* 81* 92* 350 147* 80* Expect To Receive Refund 597 136 153 202 105 216 97 129 154 281 112 48 51 71 315 104 49 78 84 329 139 73 This Year (Net) 94% 95% 92% 95% 93% 95% 91% 95% 94% 92% 94% 85% 92% 96%L 95% 97%L 98%L 97%L 91% 94% 94% 92% I plan to pay down debt. 295 61 69 110 55 103 53 68 71 134 45 31 30 27 161 58 22 38 44 165 64 39 46% 43% 41% 52% 48% 45% 50% 50% 43% 44% 38% 56%kn 54%n 38% 49% 54%n 43% 47% 48% 47% 44% 49% I plan to put it in 265 59 76 81 49 110 41 54 60 125 49 24 20 32 140 61 17 34 28 151 69 32 savings. 42% 42% 46% 38% 43% 48%i 38% 40% 37% 41% 41% 42% 37% 44% 42% 57%mQ 34% 42% 30% 43% 47% 40% S I will make a major, 109 23 36 30 20 54 16 23 16 61 31 8 12 10 48 23 8 11 6 52 27 10 planned purchase. 17%I 16% 21% 14% 18% 24%AI 15% 17% 9% 20% 26%nS 15% 21%S 13% 14% 21%S 16% 14% 6% 15% 19% 13% I will take a vacation. 105 28 19 38 20 50 20 16 20 56 30 10 5 11 49 19 9 11 9 55 29 11 17%c 20% 12% 18% 17% 22%hi 18% 12% 12% 18% 25%mS 18% 9% 14% 15% 18% 19% 14% 10% 16% 20% 14% I am likely to spend the 54 13 10 21 10 25 10 7 13 31 16 5 1 8 24 8 6 6 4 23 15 9 refund and not know for 9%t 9% 6% 10% 9% 11% 10% 5% 8% 10% 14%m 9% 2% 11%m 7% 8% 11%m 7% 5% 7% 10% 11% certain where the money goes. I will make a principal- 23 5 4 12 3 10 4 4 6 17 7 4 2 5 6 3-2 1 16 3 2 only payment toward my 4%O 3% 2% 6% 2% 4% 4% 3% 3% 6%aO 5% 7% 4% 6% 2% 3% - 2% 1% 5% 2% 2% mortgage. Other 55 16 11 11 16 16 10 13 15 28 8 8 8 4 27 8 3 5 11 29 11 10 9% 11% 7% 5% 14%aD 7% 9% 10% 9% 9% 7% 13% 15% 6% 8% 8% 5% 6% 12% 8% 8% 13% N/A - I do not expect to 38 7 13 10 8 10 10 7 11 23 7 9 4 3 15 3 1 3 8 22 8 7 receive a refund this year. 6% 5% 8% 5% 7% 5% 9% 5% 6% 8% 6% 15%NPQ 8% 4% 5% 3% 2% 3% 9% 6% 6% 8% R Sigma 944 212 239 314 180 378 164 192 210 475 193 99 83 100 469 184 65 110 110 513 228 120 149% 149% 143% 148% 159% 166% 154% 141% 128% 156% 162% 175% 150% 137% 142% 171% 131% 135% 120% 147% 155% 151% Overlap formulae used. * small base
Q3520 Which of the following do you plan to do with your tax refund this year? Please select all that apply. Page 5 Base: Expect To Receive Refund This Year Unweighted Base 608 153 191 165 99 179 119 141 169 299 91 58 64 86 309 88 61 77 83 342 123 92 Weighted Base 597 136* 153* 202 105* 216* 97* 129* 154 281 112* 48* 51* 71* 315 104* 49* 78* 84* 329 139* 73* I plan to pay down debt. 295 61 69 110 55 103 53 68 71 134 45 31 30 27 161 58 22 38 44 165 64 39 49% 45% 45% 54% 52% 48% 55% 52% 46% 47% 40% 66%KN 59%kn 39% 51% 56%n 44% 48% 52% 50% 46% 54% q I plan to put it in savings. 265 59 76 81 49 110 41 54 60 125 49 24 20 32 140 61 17 34 28 151 69 32 44% 44% 50% 40% 46% 51% 42% 42% 39% 45% 43% 50% 40% 46% 44% 58%mQ 35% 43% 33% 46% 50% 43% S I will make a major, planned 109 23 36 30 20 54 16 23 16 61 31 8 12 10 48 23 8 11 6 52 27 10 purchase. 18%I 17% 23% 15% 19% 25%aI 17% 18% 10% 22% 28%nS 18% 23%S 14% 15% 22%S 16% 14% 7% 16% 20% 14% I will take a vacation. 105 28 19 38 20 50 20 16 20 56 30 10 5 11 49 19 9 11 9 55 29 11 18% 21% 12% 19% 19% 23%hi 20% 13% 13% 20% 27%ms 21% 10% 15% 16% 19% 19% 14% 11% 17% 21% 15% I am likely to spend the 54 13 10 21 10 25 10 7 13 31 16 5 1 8 24 8 6 6 4 23 15 9 refund and not know for 9%t 9% 7% 11% 9% 11% 11% 5% 8% 11% 15%m 10% 2% 12%m 8% 8% 11% 7% 5% 7% 11% 12% certain where the money goes. I will make a principal-only 23 5 4 12 3 10 4 4 6 17 7 4 2 5 6 3-2 1 16 3 2 payment toward my mortgage. 4%O 4% 2% 6% 3% 4% 4% 3% 4% 6%aO 6% 8%qs 4% 7% 2% 3% - 2% 1% 5% 3% 3% Other 55 16 11 11 16 16 10 13 15 28 8 8 8 4 27 8 3 5 11 29 11 10 9% 12% 7% 6% 15%aD 7% 10% 10% 10% 10% 7% 16% 16% 6% 8% 8% 5% 6% 13% 9% 8% 14% Sigma 906 205 225 304 172 367 155 185 200 452 186 90 78 98 454 181 64 107 102 492 220 114 152% 151% 147% 150% 163% 170% 159% 143% 130% 161% 166% 188% 154% 138% 144% 174% 131% 136% 122% 150% 158% 155% Overlap formulae used. * small base
Q3525 Which of the following do you do with the additional amount you receive in your paycheck each month? Please select all that apply. Page 6 Base: Withold Less To Receive A Smaller/No Refund Unweighted Base 293 65 78 92 58 78 76 73 66 146 33 34 42 37 147 45 42 31 29 167 66 44 Weighted Base 303 63* 65* 113* 62* 100* 71* 74* 58* 145* 39** 31** 40** 36** 158* 61** 40** 34** 22** 170* 72* 34* I pay down debt. 126 20 32 40 34 38 41 28 18 74 21 21 20 12 52 17 20 9 6 72 28 14 42%O 32% 49% 35% 56%abd 38% 58%Afh 38% 31% 51%AO 54% 69% 49% 33% 33% 28% 50% 25% 28% 42% 39% 43% I I put it in savings. 113 33 28 38 15 39 30 19 25 51 17 12 7 15 62 23 18 11 10 58 35 12 37%eh 52%AdE 43%e 34% 24% 39% 43% 25% 43%h 35% 43% 39% 19% 42% 39% 37% 45% 33% 44% 34% 49% 35% I spend the money each month 78 13 13 38 15 24 17 23 14 34 6 8 12 7 44 18 9 11 7 51 12 9 and do not know for certain 26% 20% 19% 33% 24% 24% 24% 32% 24% 23% 16% 27% 31% 19% 28% 29% 21% 32% 31% 30% 16% 27% where the money goes. I put the money toward a 41 11 4 16 10 13 14 8 5 25 4 9 8 3 16 9 5-2 27 4 5 major, planned purchase. 13% 18% 6% 14% 15% 13% 20% 10% 9% 17% 11% 30% 19% 9% 10% 15% 13% - 9% 16% 6% 14% I make principal-only 21 6 5 6 4 4 11 4 3 10 1 7 2 * 11 4 4 2 2 15 2 1 payments toward my mortgage. 7% 10% 7% 5% 7% 4% 15%Af 5% 4% 7% 1% 23% 5% 1% 7% 6% 9% 5% 11% 9% 3% 4% I put the money in a 20 9 1 9 1 10 5-4 9 4 4-2 10 6 2-2 13 5 1 vacation fund. 6%c 14%ACe 1% 8% 2% 10%h 8%h - 7%h 7% 9% 12% - 6% 6% 10% 4% - 10% 8% 7% 3% Other 22 4 4 10 5 6 4 7 6 8 * 1 3 4 15 5 3 4 2 9 7 2 7% 6% 6% 9% 8% 6% 5% 10% 10% 5% 1% 3% 7% 10% 9% 9% 7% 12% 10% 5% 10% 7% Sigma 421 95 86 155 84 135 123 89 75 210 53 62 52 43 211 82 61 37 32 245 94 45 139% 152% 133% 138% 135% 135% 173% 120% 129% 145% 137% 203% 131% 121% 134% 134% 151% 107% 143% 145% 130% 131% Overlap formulae used. * small base; ** very small base (under 30) ineligible for sig testing
Fielding Period: February 28 - March 2, 2011 Q1105 Which of the following methods for obtaining a tax refund would you most prefer receiving? Page 7 3 Mar 2011 Base: All Respondents Unweighted Base 2049 479 546 596 428 532 388 392 737 994 240 191 200 363 1055 292 197 192 374 1075 487 360 Weighted Base 2049 443 445 686 476 607 365 376 701 978 294 183* 192 310 1071 313 182* 185 391 1069 528 324 Funds automatically 1542 308 365 531 339 423 296 305 519 696 180 142 149 225 847 242 155 155 294 830 365 250 deposited into my bank 75%BF 70% 82%ABE 77%Be 71% 70% 81%AFi 81%AFi 74% 71% 61% 78%K 78%K 73%K 79%AJ 77%K 85%KN 84%KN 75%K 78%AU 69% 77%u account JU s s Check in the mail 422 116 68 127 111 136 46 61 178 229 81 30 34 83 193 55 16 27 96 205 126 63 21%CG 26%ACD 15% 19% 23%C 22%Gh 12% 16% 25%AGH 23%AO 28%lm 16% 18%q 27%Lm 18% 18%q 9% 15% 24%QR 19% 24% 20% ho PQR PQR Pre-paid debit card 61 16 4 23 18 34 14 9 3 37 20 9 8 1 23 14 6 2 2 18 29 11 3%CIT 4%C 1% 3%c 4%C 6%AhI 4%I 2%I * 4% 7%NRS 5%NS 4%NS * 2% 4%NS 3%Ns 1% * 2% 6%AT 3% Refund anticipation loan 24 3 8 5 9 13 8 1 2 16 12 2 1 2 8 1 6 * - 16 8 1 (i.e., a loan from an 1%I 1% 2% 1% 2% 2%hI 2%hI * * 2% 4%mNP 1% * 1% 1% * 3%npS * - 1% 1% * institution for the expected rs amount of your refund before it is actually ready) Sigma 2049 443 445 686 476 607 365 376 701 978 294 183 192 310 1071 313 182 185 391 1069 528 324 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% Overlap formulae used. * small base
Fielding Period: February 28 - March 2, 2011 Q1110 Why would you prefer this method of obtaining a tax refund? Please select all that apply. Page 8 3 Mar 2011 Base: All Respondents Unweighted Base 2049 479 546 596 428 532 388 392 737 994 240 191 200 363 1055 292 197 192 374 1075 487 360 Weighted Base 2049 443 445 686 476 607 365 376 701 978 294 183* 192 310 1071 313 182* 185 391 1069 528 324 Convenience 1360 285 312 459 303 370 252 269 468 635 160 132 141 202 724 209 121 128 266 727 341 211 66%F 64% 70% 67% 64% 61% 69%f 72%aF 67% 65% 55% 72%K 74%K 65%k 68% 67%K 66%k 70%K 68%K 68% 65% 65% Quick 1135 222 267 377 268 342 230 215 347 528 147 124 108 150 606 195 106 107 198 597 306 166 55%bI 50% 60%aB 55% 56% 56%i 63%AI 57%i 50% 54% 50% 68%Km 56% 48% 57% 62%KN 58% 58% 50% 56% 58% 51% NS S Funds are readily available 1097 233 237 376 251 310 209 218 360 487 136 98 104 149 610 174 111 114 211 561 287 172 54%J 53% 53% 55% 53% 51% 57% 58% 51% 50% 46% 54% 54% 48% 57%AJ 55% 61%KN 62%KN 54% 53% 54% 53% Nothing to get lost in the 1084 216 240 393 235 305 183 203 394 469 131 84 93 162 615 174 99 109 233 560 287 170 mail 53%J 49% 54% 57%aBe 49% 50% 50% 54% 56%a 48% 45% 46% 49% 52% 57%AJ 56%k 54% 59%Kl 59%KL 52% 54% 53% m Saves me time 1068 231 230 367 241 330 196 202 340 510 149 102 109 151 558 181 95 94 189 553 288 172 52%i 52% 52% 54% 51% 54% 54% 54% 48% 52% 51% 56% 57% 49% 52% 58%ns 52% 51% 48% 52% 55% 53% Safest 954 184 218 342 210 254 130 199 370 465 135 73 95 162 488 119 57 104 208 494 230 158 47%bf 42% 49%b 50%b 44% 42% 36% 53%AFG 53%AFG 48% 46%Q 40% 50%pQ 52%LP 46% 38% 31% 56%LP 53%LP 46% 44% 49% G Q Q Q Easier to keep track of 868 186 179 291 212 271 122 173 303 414 130 74 82 128 454 141 48 91 175 435 268 115 42%GV 42% 40% 42% 45% 45%G 33% 46%G 43%G 42% 44%Q 41%Q 43%Q 41%Q 42% 45%Q 26% 49%Q 45%Q 41% 51%ATV 36% Environmentally-friendly 674 129 166 216 163 218 111 131 214 314 94 56 72 92 360 124 55 59 122 338 187 98 33% 29% 37%aB 32% 34% 36% 30% 35% 30% 32% 32% 31% 38% 30% 34% 40%Ns 30% 32% 31% 32% 35% 30% Enables me to save 282 64 67 70 81 116 33 49 85 127 66 13 22 27 155 50 20 27 58 114 117 34 14%DG 14% 15%d 10% 17%D 19%AGhI 9% 13% 12% 13% 22%LMN 7% 11% 9% 14% 16%LN 11% 15%l 15%lN 11% 22%ATV 11% T Qs Doesn't require me to 238 56 44 67 70 57 27 47 106 123 31 21 23 47 115 26 6 24 59 122 64 40 provide my bank account 12%G 13% 10% 10% 15%acd 9% 7% 13%g 15%AFG 13% 11%Q 12%Q 12%Q 15%PQ 11% 8% 3% 13%Q 15%PQ 11% 12% 12% number Other 62 6 17 25 14 25 6 16 14 35 14 4 10 8 27 11 3 6 6 21 16 15 3%biT 1% 4%b 4%b 3% 4%i 2% 4%i 2% 4% 5%s 2% 5%s 2% 2% 4% 2% 4% 2% 2% 3% 5%T Sigma 8822 1813 1976 2984 2049 2597 1500 1723 3002 4108 1193 780 859 1276 4714 1404 720 864 1725 4522 2391 1352 431% 409% 444% 435% 431% 428% 411% 458% 428% 420% 406% 427% 448% 412% 440% 449% 395% 468% 441% 423% 453% 417% Overlap formulae used. * small base