| Value | Category | 
                                    
                    
                        | 1 | no need | 
                                    
                    
                        | 2 | group decision | 
                                    
                    
                        | 3 | no funds | 
                                    
                    
                        | 4 | don't trust financial institutions | 
                                    
                    
                        | 5 | low interest rates/high bank fees | 
                                    
                    
                        | 6 | other, specify | 
                                    
                    
                        | Sysmiss |  | 
                            
            Warning: these figures indicate the number of cases found in the data file. They cannot be interpreted as summary statistics of the population of interest.