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WIN CRISIS INDEX
3rd Wave of the Worldwide Barometer of the Financial Crisis
August 2009
The third wave of the WIN Crisis Index revealed that the economic crisis did not only affect people economically but also psychologically. The survey conducted by WIN (Worldwide Independent Network of Market Research) a network which brings together the greatest independent firms of Market Research throughout the world, interviewed 21,088 respondents in 22 countries from mid June to the end of July 2009 and evaluated the respondents’ perceptions and behaviors due to the economic crisis.
1. The Economic Crisis had direct health effects on peopleThe survey reveals that 54% of respondents say they have experienced at least one of the following 4 health conditions as a direct result of the current economic situation:
•18% depression•26% unsatisfactory sleep•40% anxiety•40% stress
The current economic situation had the most impact on citizens’ health in Japan, Russia, Lebanon, USA, and Mexico. On the other hand, the Netherlands, Austria, Italy, Spain and Brazil were the least affected.
2. Pessimism decreasesThe survey also reveals that the consumer is slowly regaining confidence in the financial status of his country’s economy and that pessimism has significantly diminished over the last three months.
•45% believe the economic situation will remain the same in the next three months, while 19% believe it will improve and 31% worsen.•Overall, pessimism has decreased by 10 percentage points. •Pessimism has diminished in 20 of the 22 surveyed countries.Trust in the stability / solidity of the stock market is picking up while trust in the government and the solidity / stability of the banks remains the same.
3. A similar proportion of people are making cutbacks as in MarchAn average of 54% of consumers made cutbacks mostly on the clothing / footwear / accessories, entertainment and major household expenses which is approximately the same as in March.
SummaryCitizens are psychologically affected by the crisis
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4. Brazilians, Canadians and Indians deal best with the Economic CrisisBrazil, Canada and India are the three only countries where the level of optimism is above or equal to the average and cutbacks and psychological effects are below the average. France, Japan, Mexico, Argentina and Iceland are the most affected with indices below the average on all levels.
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This chart shows which countries are in one, two, all or none ofthe positive three categories: above average economic outlook, cutbacks below average, and psychological effects below average.
•Optimistic, low cutbacks and not psychologically affectedBrazil, Canada and India•Optimistic, low cutbacks but psychologically affected China and Russia•Optimistic, high cutbacks but not psychologically affected Australia•Optimistic but high cutbacks and psychologically affectedSaudi Arabia, Lebanon, Korea, and the USA •Pessimistic, low cut backs and not psychologically affectedAustria, Netherlands, Spain, and Switzerland•Pessimistic, high cutbacks, but not psychologically affectedItaly and the United Kingdom•Pessimistic, low cutbacks and psychologically affected Germany•Pessimistic, high cutbacks, and psychologically affectedFrance, Japan, Mexico, Argentina and Iceland
Saudi ArabiaLebanonKoreaUSA
AustriaNetherlands
SpainSwitzerland
GermanyItalyUnited Kingdom
Australia ChinaRussia
BrazilCanadaIndia
Above or equal to averageeconomic outlook
Cutbacksbelow or equal to average
Health effectsbelow or equalto average
ArgentinaFranceJapanIcelandMexico
Pessimistic in all Categories
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Context and Methodology• The third wave of the WIN Crisis Index, conducted by the Members of the international WIN (Worldwide Independent Network of Market Research) a network which brings together the greatest independent firms of Market Research throughout the world, interviewed 21,088 respondents in 22 countries from mid June to the end of July 2009. The margin of error per country is between +/- 2 and 5%, 19 out of 20 times. The WIN Crisis Index is conductedevery 3 months. The countries of the G8: Canada, France, Germany, Italy, Japan, Russia, the United Kingdom, and the United States, included in the 22 countries surveyed, are also included in each table. The same has been done for the countries known as BRIC: Brazil, Russia, India and China.
• The table below presents a summary of the methodology used in each country to conduct this survey:
• Each sample is representative of its country’s population in terms of socio-demographic variables. Sample sizes ensure accurate generalizations to the total population and allow a very precise interpretation of the results. Contrary to what can be expected, age and gender do not seem to have an impact on the respondent’s perception of the financial crisis.
C o untry F irm M etho d # R espo ndents D ates M argin o f Erro rA rgent ina IBOPE Inteligencia Argentina CATI 500 Jul. 10 - 19, 2009 ±4.38%
A ustra lia Colmar Brunton Online 1105 Jun. 18 - 29, 2009 ±2.95%
A ustria Gallup Austria CATI 500 Jun. 22 - Jul. 2, 2009 ±4.38%
B razil IBOPE Inteligencia Face to Face 2002 Jul. 18 - 22, 2009 ±2.19%
C anada Leger M arketing Online 1000 Jul. 7 - 8, 2009 ±3.10%
C hina CRC - Cass Research Center Face to Face 1080 Jul. 1 -15, 2009 ±2.98%
F rance BVA Online 1257 Jul. 1 - 6, 2009 ±2.76%
Germany Leyhausen Online 1000 Jul. 5 - 20, 2009 ±3.10%
Ice land Capacent Internet Panel 774 Jun. 17 - 25, 2009 ±3.52%
India M aRS Face to Face 1054 Jul. 3 - 5, 2009 ±3.02%
Ita ly Doxa CATI 967 Jun. 29 - Jul. 1, 2009 ±3.15%
Japan NRC - Nippon Research Center Online Panel 1028 Jun. 23 - 25, 2009 ±3.06%
Ko rea Gallup Korea Face to Face 1501 Jun. 15 - Jul. 2, 2009 ±2.53%
Lebano n PARC Face to Face 400 Jul. 25 - 31, 2009 ±4.90%
M exico IBOPE Inteligencia M exico CATI 504 Jul. 3 - 17, 2009 ±4.37%
N etherlands M arketresponse CATI omnibus 500 Jul. 13 - 18, 2009 ±4.38%
R ussia Romir CAWI 1000 Jun. 18 - 23, 2009 ±3.10%
Saudi A rabia PARC Face to Face 402 Jul. 25 - 30, 2009 ±4.89%
Spain Instituto DYM Face to Face 1000 Jun. 22 - Jul. 15, 2009 ±3.10%
Switzerland ISOPUBLIC CATI 500 Jul. 2 - 4, 2009 ±4.38%
UK ICM Research Online 2014 Jul. 24 - 26, 2009 ±2.18%USA TRiG Online 1000 Jun. 22 - 26, 2009 ±3.10%
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Financial ForecastsIn the next 3 months, do you believe the economic situation in your country will be better, remain the same, or be worse?
•Overall, the majority of citizens throughout the surveyed countries feel the economic situation will remain the same over the next three months.
•Furthermore, only 19% of respondents believe the situation will improve.
•Much more than in any other of the surveyed countries, close to three quarters (71%) of Icelandic citizens believe the financial situation in their country will be worse in the next 3 months.
•Pessimism is also highest in Germany (46%), Argentina (41%), Switzerland (40%), and the United Kingdom (40%).
Be better %Remain the
same %
Be worse %DKN / DNA
%
Saudi Arabia 52 34 10 4Lebanon 31 33 31 5Brazil 29 53 15 3China 29 42 27 2India 22 45 16 16Korea 22 46 27 5USA 22 43 30 5Australia 21 52 22 5Russia 21 53 23 3Canada 19 53 20 8Italy 17 49 31 3Netherlands 14 52 31 3Mexico 14 51 32 3Japan 13 53 28 6Austria 12 51 33 4Argentina 11 45 41 3Germany 11 39 46 4Spain 11 47 37 4Switzerland 11 47 40 2UK 11 44 40 5France 8 46 39 7Iceland 4 22 71 3Total 19 45 31 5BRIC 25 48 20 7G8 15 48 32 5
January 09' Be worse %
March 09' Be worse %
July 09' Be worse %
Difference Mar. - Jul.
Iceland 67 56 71 15Brazil 19 14 15 1China 26 29 27 -2Netherlands 43 42 31 -11Germany 68 61 46 -15USA 46 46 30 -16India 14 33 16 -17Switzerland 51 57 40 -17Korea 70 44 27 -17Russia 38 41 23 -18Italy 54 50 31 -19Austria 52 56 33 -23Spain 51 61 37 -24France 66 63 39 -24UK 78 67 40 -27Canada 61 52 20 -32Japan 70 60 28 -32* Australia NA 52 22 -30* Mexico NA 47 32 -15* Argentina NA 53 41 -12* Lebanon NA 38 31 -7* Saudi Arabia NA 12 10 -2Total 48 43 33 -10BRIC 24 29 20 -9G8 60 55 32 -23
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Financial Forecasts: ComparisonComparison of the “be worse” responses in the past 3 waves of the WIN Crisis Index
* The total for the 22 surveyed countries in the third wave of the WIN Crisis Index is 31% as indicated on page 4. To compare the last three waves, only the 17 countries that participated in all three waves are included in the March and July total above excluding Argentina, Australia, Lebanon, Mexico, Saudi Arabia.
•On average, the financial outlook was most negative in January 2009. In March, opinions were unchanged for the most part. Today however, there are significantly less citizens who have a pessimistic outlook on the financial forecast for the next three months.
•Moreover, fewer respondents believe the situation will be worse today compared to three months ago in 20 of the 22 surveyed countries.
• It is important to note that although there is significantly less citizens with a negative outlook, opinions still remain guarded. The study did not find that citizens believe the situation is better; rather, the study showed an increase in percentage of citizens who felt the economy would stay the same.
•Countries that show the largest drop in pessimism since March include Japan, Canada, Australia the United Kingdom and France with 32%, 32%, 30%, 27% and 24% fewer respondents who believe the situation will be worse, respectively.
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Income ExpectationsOver the next 12 months, do you expect your family income to increase, remain the same, or decrease?
•As seen over the course of the year, citizens remain less negative toward their own financial status compared to their society’s financial status. In fact, while 31% of respondents think the economic situation will worsen, only 23% believe their personal income will decrease over the next 12 months.
•Similarly to the overall financial forecast, most respondents (48%) remain conservative and believe their income will remain the same.
Increase %Remain the
Same %
Decrease %DKN / DNA
%
Saudi Arabia 50 34 11 5Brazil 37 47 13 4China 36 42 20 2Russia 36 33 24 7Mexico 35 40 22 3India 34 37 22 8USA 33 45 16 6Canada 32 46 14 7Lebanon 29 43 20 8Australia 26 54 16 4UK 22 48 23 6Switzerland 22 55 20 2Argentina 21 46 29 3Korea 20 49 27 4France 20 43 33 4Germany 19 55 21 5Netherlands 19 64 14 2Austria 15 68 14 4Spain 14 62 19 5Italy 10 69 18 2Japan 8 37 49 5Iceland 7 31 59 3Total 25 48 23 4BRIC 36 40 20 6G8 23 47 25 5
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Income Expectations: ComparisonComparison of the “decrease” responses in the past 3 waves of the WIN Crisis Index
January 09' Decrease %
March 09' Decrease %
July 09' Decrease %
Difference Mar. - Jul.
Brazil 4 5 13 8India 12 16 22 6Iceland 50 55 59 4UK 25 19 23 4Japan 45 49 49 0France 32 33 33 0Spain 23 19 19 0Korea 53 28 27 -1Austria 11 17 14 -3Germany 18 24 21 -3Switzerland 19 23 20 -3Italy 22 21 18 -3USA 18 20 16 -4Canada 16 20 14 -6Netherlands 22 23 14 -9China 20 35 20 -15Russia 28 43 24 -19* Lebanon NA 29 20 -9* Argentina NA 34 29 -5* Mexico NA 25 22 -3* Australia NA 18 16 -2* Saudi Arabia NA 11 11 0Total 25 24 24 0BRIC 16 25 20 -5G8 25 29 25 -4
•Overall, respondents opinion of their income expectation has remained the same since January 2009.
•However, some changes have occurred since March at the country level. While the citizens in the countries forming the BRIC had been most optimistic in the beginning months of the crisis, India and Brazil are now more pessimistic. In fact, since March, citizens of Brazil express the highest increase in pessimism (8%) and India follows with a 6% increase.
•On the other hand, China and Russia show the highest drop in negative responses with 15% and 19% fewer respondents who believe their income will decrease now compared to March.
• It is interesting to note that Japan has remained negative throughout the three waves of the survey with an average of 48% of Japanese who believe their income will decrease.
* The total for the 22 surveyed countries in the third wave of the WIN Crisis Index is 23% as indicated on page 7. To compare the last three waves, only the 17 countries that participated in all three waves are included in the March and July total above excluding Argentina, Australia, Lebanon, Mexico, Saudi Arabia.
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The Real Estate MarketIn general, do you believe it is a good or bad time to buy a house?
•Overall, 40% of respondents from the surveyed countries do not believe it is a good time to buy a house.
•There are significantly more citizens that believe it is a good time to buy a house in only four countries: Switzerland (58%), Australia (50%), the USA (49%) and the Netherlands (47%).
Good time %
Not sure %
Bad time %
DKN / DNA %
Switzerland 58 9 26 7Australia 50 30 16 4USA 49 30 16 5Netherlands 47 9 36 8Canada 44 32 16 8Austria 40 8 42 10Germany 36 37 27 0Brazil 34 11 52 3UK 33 35 22 10Russia 29 36 31 4France 28 36 27 9China 25 57 16 2Saudi Arabia 25 11 62 2Korea 24 30 30 16Spain 24 7 65 4Mexico 23 12 63 2Italy 22 15 59 4India 21 42 24 13Iceland 15 27 53 5Lebanon 15 4 80 1Japan 14 32 43 11Argentina 11 22 64 3Total 30 24 40 6BRIC 27 36 31 6G8 32 32 30 6
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Real Estate Market: ComparisonComparison of the “bad time” responses in the past 3 waves of the WIN Crisis Index
January 09' Bad time %
March 09' Bad time %
July 09' Bad time %
Difference Mar. - Jul.
Spain 61 56 65 9Austria 40 38 42 4Switzerland 25 23 26 3UK 39 20 22 2Iceland 66 52 53 1Germany 30 27 27 0Korea 39 30 30 0France 37 27 27 0Japan 49 45 43 -2Canada 26 19 16 -3Italy 65 63 59 -4USA 27 22 16 -6Brazil 55 60 52 -8Russia 47 46 31 -15China 36 33 16 -17India 26 44 24 -20Netherlands 63 65 36 -29* Argentina NA 77 64 -13* Mexico NA 62 63 1* Australia NA 13 16 3* Saudi Arabia NA 44 62 18* Lebanon NA 62 80 18Total 43 41 34 -7BRIC 41 46 31 -15G8 40 34 30 -4
•On average there is 7% fewer respondents that feel it is a bad time to buy a house now than in March 2009.
•Pessimism has significantly declined in most of the surveyed countries.
•Compared to the results in January 2009, both the BRIC and G8 countries’ averages have 10% fewer respondents that believe it is a bad time to buy a house.
* The total for the 22 surveyed countries in the third wave of the WIN Crisis Index is 40% as indicated on page 9. To compare the last three waves, only the 17 countries that participated in all three waves are included in the March and July total above excluding Argentina, Australia, Lebanon, Mexico, Saudi Arabia.
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• Overall, respondents’ level of trust in their government’s ability to manage the financial crisis has plateaued.
• At the beginning of the Economic Crisis, the average score given by respondents throughout the surveyed countrieswas 5.2. The score today is consistent with the slightly lower level of trust achieved in March (4.8)
• As seen throughout the past waves of the survey, the BRIC countries, apart from Russia, continue to express higher levels of trust in their government’s ability to manage the financial situation, with China (7.2), India (6.3), and Brazil (6.1), high.
• Conversely, of the 22 surveyed countries, Japan (3.3) continues to hold the lowest score only now they share this distinction with the United Kingdom (3.3).
Trusting the GovernmentWhat is your level of trust in the government to manage the financial situation?
January 09’Level of Trust
1-10
March 09’Level of Trust
1-10
July 09’Level of Trust
1-10China 7 6.7 7.2India 6.6 5.5 6.3Brazil 6.7 6.4 6.1Netherlands 6.3 6.2 5.7Switzerland 5.9 5.4 5.4Russia 4.9 4.7 5.2Austria 4.6 4.7 4.9Italy 4.7 4.6 4.9USA 6.3 4.8 4.7Canada 4.8 4.5 4.6France 4.6 4.0 4.3Korea NA 3.9 4.3Germany 4.0 4.6 4.2Iceland 4.4 4.6 4.0Spain 4.7 4.0 3.8UK 4.5 3.4 3.3Japan 3.0 2.9 3.3* Saudi Arabia NA 8.0 6.4* Australia NA 5.5 5.7* Mexico NA 5.3 5.0* Argentina NA 3.9 4.0* Lebanon NA 3.7 3.5Total 5.2 4.8 4.8BRIC 6.3 5.8 6.2G8 4.6 4.2 4.3
* Argentina, Australia, Lebanon, Mexico, Saudi Arabia did not participate in the First wave and are not included in the March and July average.
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•On average, respondents’ level of trust in the stability and solidity of the banks has remained the same with a score of 5.3 in January, 5.1 in March and 5.2 in July.
•As seen throughout the year, respondents from China (7.1), Canada (6.4), and India (6.3), express high levels of trust in the stability / solidity of their banks, while respondents from Germany (4.0), Spain (3.8), and the United Kingdom (3.3) voiced low levels of trust.
• It is interesting to note that citizens of Spain show a steady and steep decline in their level of trust.
Stability of the BanksWhat is your level of trust in the stability / solidity of the banks?
January 09’Level of Trust
1-10
March 09’Level of Trust
1-10
July 09’Level of Trust
1-10China 6.6 6.6 7.1Canada 6.3 6.1 6.4India 5.4 6.6 6.3Netherlands 6.4 6.4 6.0Korea 5.3 5.2 5.9Brazil 6.1 5.9 5.8Russia 4.4 4.4 5.5Austria 4.9 4.7 5.2Italy 5.1 4.9 5.1USA 5.4 4.5 5.1France 5.1 4.7 5.0Switzerland 5.1 4.8 4.9Japan 4.6 4.5 4.7Iceland 4.6 4.7 4.2Germany 4.0 4.3 4.0Spain 5.4 4.7 3.8UK 4.2 3.3 3.3* Lebanon NA 6.8 7.2* Saudi Arabia NA 7.0 6.1* Australia NA 5.8 5.8* Mexico NA 5.1 5.2* Argentina NA 4.5 4.5Total 5.3 5.1 5.2BRIC 6.0 5.9 6.2G8 4.9 4.6 4.9
* Argentina, Australia, Lebanon, Mexico, Saudi Arabia did not participate in the First wave and are not included in the March and July average.
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• Overall, similar to the level of trust in the stability of the banks, respondents’ level of trust in the stability / solidity of the stock market increased compared to three months ago with a score of 4.2.
• The average level of trust in the stability/solidity of the stock market is at its highest since the beginning of the year.
• Respondents from only 4 countries expressed lower levels of trust in the stability / solidity of the stock market then they did three months ago: Brazil (5.4), Saudi Arabia (4.1), Spain (3.2) and Iceland (3.1).
Stability of the Stock MarketWhat is your level of trust in the stability / solidity of the stock market?
January 09’Level of Trust
1-10
March 09’Level of Trust
1-10
July 09’Level of Trust
1-10India 5.5 4.2 5.6Brazil 5.7 5.5 5.4Netherlands 4.7 4.7 5.0China 3.8 4.1 4.6Russia 4.1 3.9 4.5USA 4.3 3.7 4.4Korea 3.9 3.6 4.4Italy 3.9 4 4.3Japan 3.5 3.4 4.1Canada 3.5 3.4 4.0Switzerland 4.1 3.4 3.9France 3.5 3.4 3.8Austria 3 3.1 3.8Germany 3.4 3.5 3.7UK 3.2 2.7 3.4Spain 4.1 3.5 3.2Iceland 3.5 3.4 3.1* Lebanon NA 4.1 5.4* Mexico NA 5 5.2* Australia NA 4 4.6* Argentina NA 4.1 4.2* Saudi Arabia NA 5.8 4.1Total 4 3.7 4.2BRIC 4.8 4.4 5.0G8 3.7 3.5 4.0
* Argentina, Australia, Lebanon, Mexico, Saudi Arabia did not participate in the First wave and are not included in the March and July average.
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Total Cut BacksSince the beginning of the Economic Crisis, have you cut back expenses on:
Clothing / footwear / accessories %
Entertainment, e.g. restaurants, cinema %
Buying major household purchases %
Holidays / Travel %
Groceries % Home improvement / repairs %
Transport / commute %
(family’s) mobile phone(s) %
health related expenditure
digital / satellite / cable television %
home internet connection %
Argentina 68 67 68 57 63 59 44 39 23 23 21
Australia 58 56 50 47 52 42 31 32 23 12 13
Austria 35 28 27 32 38 22 32 22 9 9 14
Brazil 54 43 50 44 40 41 29 47 21 11 14
Canada 51 54 44 43 36 33 30 22 14 17 10
China 38 43 41 47 28 36 24 21 21 12 13
France 64 66 62 55 53 52 46 35 22 27 15
Germany 46 49 46 43 44 33 30 34 19 11 17
Iceland 70 68 74 74 62 41 43 36 23 26 11
India 40 51 48 50 23 41 39 37 15 21 18
Italy 66 57 47 54 47 35 23 44 19 23 20
Japan 71 56 60 57 58 43 53 36 27 16 14
Lebanon 58 51 45 34 46 45 50 33 21 11 15
Mexico 80 68 68 67 75 64 57 64 34 34 31
Netherlands 28 22 24 19 29 13 12 10 1 5 5
Russia 58 55 59 51 32 56 27 23 21 10 9
Saudi Arabia 43 45 50 52 44 45 34 36 18 27 30
Spain 54 55 37 48 38 38 18 40 11 7 12
Switzerland 32 25 25 24 28 14 15 20 11 6 8
UK 57 52 48 44 53 43 34 32 20 17 15
USA 68 68 62 65 58 52 50 28 28 27 15
Total 54 51 49 48 45 40 34 33 19 17 15
BRIC 47 48 49 48 31 44 29 32 19 13 14
G8 60 57 53 52 48 43 37 32 21 18 14
* Korea did not participate in the question on expense cutbacks and are not included in the July average.
• As expected, citizens in the surveyed countries have made significant cut backs.
• On average, respondents made important cut backs in all categories with the greatest impact on clothing / footwear / accessories expenses (54%).
• The industry that seems to be the least affected by the economic situation is the IT and Telecom sector as can be seen from the relatively lower percentages, though still significant, in the mobile phone (33%), television provider (17%) and home internet connection (15%) expense categories.
• While the general sentiment throughout this third wave of the WIN Crisis Index is that pessimism throughout the surveyed countries has plateaued, people’s spending behaviors continue to show cautiousness.
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• On average, respondents are making the same amount of cutbacks today compared to three months ago in each of the 10 categories offered in this survey.
• Furthermore, the pattern of cutbacks in each category remain the same. The most expense cut backs are still in the clothing / footwear / accessories expenses category while the least remain in the home internet connection category.
Marc 09' Average cutbacks
July 09' Average cutbacks
Difference
Clothing / footwear / accessories %
52 54 2
Entertainment, e.g. restaurants, cinema %
48 51 3
Buying major household purchases %
48 49 1
Holidays / Travel %
45 48 3
Groceries % 42 45 3Home improvement / repairs %
39 40 1
Transport / commute %
31 34 3
(family’s) mobile phone(s) %
31 33 2
digital / satellite / cable television %
14 17 3
home internet connection % 14 15 1
Total Cut Backs: ComparisonComparison of the average cutbacks in the 10 expense categories between March and Now
Total Expense Cut Backs by Category
Did experience stress %
Did experience anxiety %
Did experience unsatisfactory
sleep %
Did experience depression %
Mexico 69 49 48 35Korea 69 50 21 14Lebanon 67 69 60 43USA 67 57 46 32China 57 36 34 15Japan 46 59 25 10Saudi Arabia 45 54 37 24Iceland 45 49 19 38Argentina 42 39 30 20Australia 39 37 29 18UK 38 40 32 20France 36 49 22 7India 35 20 22 31Canada 35 31 24 15Brazil 35 35 22 11Switzerland 33 38 16 5Italy 26 23 18 10Germany 25 54 17 10Spain 25 22 21 9Russia 24 41 10 17Austria 19 6 6 3Netherlands 12 22 7 3Total 40 40 26 18G8 37 44 24 15BRIC 38 33 22 18
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•The Economic Crisis has had an important impact on the citizens psychological health throughout the 22 surveyed countries.
•On average, 40% of respondents have experienced stress or anxiety due to the economic situation.
•Moreover, a high of 18% of respondents said to have experienced depression as a direct result of the current economic situation.
Psychological EffectsWhich, if any, of the following have you experienced as a direct result of the current economic situation:
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Psychological EffectsComparison between the percentage of respondents that experienced at least 1 of the 4 psychological conditions to those that experienced none.
•Overall, 39% of respondents answered that they had not experienced any of the four psychological conditions as a direct result of the economic crisis.
•On the other hand, an average of 54% of citizens throughout the surveyed countries claim to have experienced at least one of the four psychological conditions as a direct result of the financial situation.
•Lebanon (79%), Mexico (76%), the USA (74%), and Korea (72%) experienced the most psychological effects.
•While American citizens show optimism throughout the survey, it is interesting to note that they experienced high amounts of psychological effects as a direct result of the current economic crisis.
No, I have not experienced %
Experienced at least 1 of the 4 conditions %
DKN / DNA %
Japan 15 62 23Russia 18 56 26Lebanon 20 79 1USA 23 74 3Mexico 24 76 0India 24 47 29Korea 26 72 2Germany 29 56 15China 31 66 3Iceland 32 63 5Saudi Arabia 32 67 1Argentina 36 60 4France 36 57 7Canada 47 43 10Australia 47 46 7UK 48 49 3Switzerland 51 49 0Brazil 53 47 0Spain 60 36 4Italy 61 35 4Austria 72 22 6Netherlands 75 24 1Total 39 54 7
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Expense Cut Backs: Country by Country
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Cutbacks in ArgentinaSince the beginning of the Economic Crisis, have you cut back expenses or have you not cut back expenses in the following categories:
CategoryYes, I have cut back %
No, I have not cut back %
Does not apply %
DKN / DNA %
Cost of running your (your family’s) mobile phone(s)
39 51 10 0
Cost of your home internet connection
21 45 33 1
Cost of your digital/satellite/cable television
23 60 17 0
Groceries, e.g. buying cheaper alternatives
63 36 0 1
Transport or commute
44 53 3 0
Clothing / footwear / accessories / expenditure
68 31 2 0
Home improvement / repairs
59 32 9 0
Buying major household purchases (e.g. furniture, electrical, home appliances, etc.)
68 24 8 0
Holidays / Travel 57 23 20 0
Entertainment, e.g. restaurants, cinema
67 23 9 1
Healthcare related expenditures
23 76 1 0
Total 48 41 10 1
CategoryMarch 09'
Cut back %July 09'
Cut back %Difference
Buying major household purchases (e.g. furniture, electrical, home appliances, etc.)
63 68 5
Transport or commute
41 44 3
Home improvement / repairs
56 59 3
Entertainment, e.g. restaurants, cinema
66 67 1
Cost of your digital/satellite/cable television
24 23 -1
Cost of your home internet connection
23 21 -2
Holidays / Travel 60 57 -3
Clothing / footwear / accessories / expenditure
72 68 -4
Groceries, e.g. buying cheaper alternatives
72 63 -9
Cost of running your (your family’s) mobile phone(s)
49 39 -10
Healthcare related expenditures
NA 23 NA
Total 53 48 -5
July 2009 Comparison of the “yes, I have cut back” responses between March and July
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Cutbacks in AustraliaSince the beginning of the Economic Crisis, have you cut back expenses or have you not cut back expenses in the following categories:
CategoryYes, I have cut back %
No, I have not cut back %
Does not apply %
DKN / DNA %
Cost of running your (your family’s) mobile phone(s)
32 60 7 1
Cost of your home internet connection
13 80 6 1
Cost of your digital/satellite/cable television
12 34 52 2
Groceries, e.g. buying cheaper alternatives
52 45 2 1
Transport or commute
31 56 12 1
Clothing / footwear / accessories / expenditure
58 37 2 3
Home improvement / repairs
42 33 23 2
Buying major household purchases (e.g. furniture, electrical, home appliances, etc.)
50 32 17 1
Holidays / Travel 47 37 15 1
Entertainment, e.g. restaurants, cinema
56 35 8 1
Healthcare related expenditures
23 70 5 2
Total 38 47 14 1
CategoryMarch 09'
Cut back %July 09'
Cut back %Difference
Home improvement / repairs
39 42 3
Cost of your home internet connection
11 13 2
Cost of your digital/satellite/cable television
10 12 2
Groceries, e.g. buying cheaper alternatives
50 52 2
Cost of running your (your family’s) mobile phone(s)
31 32 1
Transport or commute
30 31 1
Holidays / Travel 46 47 1
Clothing / footwear / accessories / expenditure
58 58 0
Buying major household purchases (e.g. furniture, electrical, home appliances, etc.)
50 50 0
Entertainment, e.g. restaurants, cinema
56 56 0
Healthcare related expenditures
NA 23 NA
Total 38 38 0
Comparison of the “yes, I have cut back” responses between March and JulyJuly 2009
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Cutbacks in AustriaSince the beginning of the Economic Crisis, have you cut back expenses or have you not cut back expenses in the following categories:
CategoryYes, I have cut back %
No, I have not cut back %
Does not apply %
DKN / DNA %
Cost of running your (your family’s) mobile phone(s)
22 66 11 1
Cost of your home internet connection
14 66 19 1
Cost of your digital/satellite/cable television
9 82 8 1
Groceries, e.g. buying cheaper alternatives
38 59 2 1
Transport or commute
32 61 7 0
Clothing / footwear / accessories / expenditure
35 59 4 2
Home improvement / repairs
22 67 10 1
Buying major household purchases (e.g. furniture, electrical, home appliances, etc.)
27 59 12 2
Holidays / Travel 32 57 9 2
Entertainment, e.g. restaurants, cinema
28 62 8 2
Healthcare related expenditures
9 85 5 1
Total 24 66 9 1
CategoryMarch 09'
Cut back %July 09'
Cut back %Difference
Cost of your digital/satellite/cable television
10 9 -1
Home improvement / repairs
26 22 -4
Cost of your home internet connection
13 14 1
Clothing / footwear / accessories / expenditure
37 35 -2
Cost of running your (your family’s) mobile phone(s)
27 22 -5
Entertainment, e.g. restaurants, cinema
37 28 -9
Groceries, e.g. buying cheaper alternatives
40 38 -2
Transport or commute
35 32 -3
Holidays / Travel 31 32 1
Buying major household purchases (e.g. furniture, electrical, home appliances, etc.)
30 27 -3
Healthcare related expenditures
NA 9 NA
Total 29 24 -5
Comparison of the “yes, I have cut back” responses between March and JulyJuly 2009
22
Cutbacks in BrazilSince the beginning of the Economic Crisis, have you cut back expenses or have you not cut back expenses in the following categories:
CategoryYes, I have cut back %
No, I have not cut back %
Does not apply %
DKN / DNA %
Cost of running your (your family’s) mobile phone(s)
47 41 12 0
Cost of your home internet connection
14 27 59 0
Cost of your digital/satellite/cable television
11 21 67 1
Groceries, e.g. buying cheaper alternatives
40 59 1 0
Transport or commute
29 57 14 0
Clothing / footwear / accessories / expenditure
54 45 0 1
Home improvement / repairs
41 44 15 0
Buying major household purchases (e.g. furniture, electrical, home appliances, etc.)
50 42 7 1
Holidays / Travel 44 33 22 1
Entertainment, e.g. restaurants, cinema
43 38 19 0
Healthcare related expenditures
21 74 5 0
Total 36 44 20 0
CategoryMarch 09'
Cut back %July 09'
Cut back %Difference
Cost of running your (your family’s) mobile phone(s)
37 47 10
Groceries, e.g. buying cheaper alternatives
31 40 9
Clothing / footwear / accessories / expenditure
45 54 9
Holidays / Travel 37 44 7
Buying major household purchases (e.g. furniture, electrical, home appliances, etc.)
45 50 5
Entertainment, e.g. restaurants, cinema
38 43 5
Home improvement / repairs
38 41 3
Cost of your home internet connection
12 14 2
Transport or commute
27 29 2
Cost of your digital/satellite/cable television
10 11 1
Healthcare related expenditures
NA 21 NA
Total 32 36 4
Comparison of the “yes, I have cut back” responses between March and JulyJuly 2009
23
Cutbacks in CanadaSince the beginning of the Economic Crisis, have you cut back expenses or have you not cut back expenses in the following categories:
CategoryYes, I have cut back %
No, I have not cut back %
Does not apply %
DKN / DNA %
Cost of running your (your family’s) mobile phone(s)
22 60 16 2
Cost of your home internet connection
10 83 5 2
Cost of your digital/satellite/cable television
17 70 11 2
Groceries, e.g. buying cheaper alternatives
36 61 2 1
Transport or commute
30 60 9 1
Clothing / footwear / accessories / expenditure
51 44 3 2
Home improvement / repairs
33 43 22 2
Buying major household purchases (e.g. furniture, electrical, home appliances, etc.)
44 32 22 2
Holidays / Travel 43 42 13 2
Entertainment, e.g. restaurants, cinema
54 39 5 2
Healthcare related expenditures
14 74 10 2
Total 32 55 11 2
CategoryMarch 09'
Cut back %July 09'
Cut back %Difference
Cost of your digital/satellite/cable television
13 17 4
Clothing / footwear / accessories / expenditure
47 51 4
Cost of running your (your family’s) mobile phone(s)
19 22 3
Groceries, e.g. buying cheaper alternatives
33 36 3
Cost of your home internet connection
8 10 2
Buying major household purchases (e.g. furniture, electrical, home appliances, etc.)
42 44 2
Transport or commute
29 30 1
Home improvement / repairs
32 33 1
Holidays / Travel 42 43 1Entertainment, e.g. restaurants, cinema
54 54 0
Healthcare related expenditures
NA 14 NA
Total 32 32 0
Comparison of the “yes, I have cut back” responses between March and JulyJuly 2009
24
Cutbacks in ChinaSince the beginning of the Economic Crisis, have you cut back expenses or have you not cut back expenses in the following categories:
CategoryYes, I have cut back %
No, I have not cut back %
Does not apply %
DKN / DNA %
Cost of running your (your family’s) mobile phone(s)
21 76 4 0
Cost of your home internet connection
13 73 14 0
Cost of your digital/satellite/cable television
12 81 7 0
Groceries, e.g. buying cheaper alternatives
28 63 9 0
Transport or commute
24 70 7 0
Clothing / footwear / accessories / expenditure
38 53 9 0
Home improvement / repairs
36 39 25 0
Buying major household purchases (e.g. furniture, electrical, home appliances, etc.)
41 43 16 0
Holidays / Travel 47 34 19 0
Entertainment, e.g. restaurants, cinema
43 41 16 0
Healthcare related expenditures
21 59 20 0
Total 30 58 13 0
CategoryMarch 09'
Cut back %July 09'
Cut back %Difference
Cost of your digital/satellite/cable television
13 12 -1
Home improvement / repairs
37 36 -1
Cost of running your (your family’s) mobile phone(s)
23 21 -2
Entertainment, e.g. restaurants, cinema
46 43 -3
Buying major household purchases (e.g. furniture, electrical, home appliances, etc.)
45 41 -4
Holidays / Travel 51 47 -4
Cost of your home internet connection
18 13 -5
Transport or commute
29 24 -5
Clothing / footwear / accessories / expenditure
43 38 -5
Groceries, e.g. buying cheaper alternatives
34 28 -6
Healthcare related expenditures
NA 21 NA
Total 34 30 -4
Comparison of the “yes, I have cut back” responses between March and JulyJuly 2009
25
Cutbacks in FranceSince the beginning of the Economic Crisis, have you cut back expenses or have you not cut back expenses in the following categories:
CategoryYes, I have cut back %
No, I have not cut back %
Does not apply %
DKN / DNA %
Cost of running your (your family’s) mobile phone(s)
35 55 8 2
Cost of your home internet connection
15 76 7 2
Cost of your digital/satellite/cable television
27 42 29 2
Groceries, e.g. buying cheaper alternatives
53 43 3 1
Transport or commute
46 47 5 2
Clothing / footwear / accessories / expenditure
64 31 3 2
Home improvement / repairs
52 29 16 3
Buying major household purchases (e.g. furniture, electrical, home appliances, etc.)
62 23 12 3
Holidays / Travel 55 29 14 2
Entertainment, e.g. restaurants, cinema
66 26 7 1
Healthcare related expenditures
22 70 6 2
Total 45 43 10 2
CategoryMarch 09'
Cut back %July 09'
Cut back %Difference
Buying major household purchases (e.g. furniture, electrical, home appliances, etc.)
55 62 7
Holidays / Travel 50 55 5
Entertainment, e.g. restaurants, cinema
61 66 5
Cost of your digital/satellite/cable television
24 27 3
Groceries, e.g. buying cheaper alternatives
51 53 2
Home improvement / repairs
50 52 2
Cost of running your (your family’s) mobile phone(s)
34 35 1
Cost of your home internet connection
14 15 1
Clothing / footwear / accessories / expenditure
63 64 1
Transport or commute
47 46 -1
Healthcare related expenditures
NA 22 NA
Total 45 45 0
Comparison of the “yes, I have cut back” responses between March and JulyJuly 2009
26
Cutbacks in GermanySince the beginning of the Economic Crisis, have you cut back expenses or have you not cut back expenses in the following categories:
CategoryYes, I have cut back %
No, I have not cut back %
Does not apply %
DKN / DNA %
Cost of running your (your family’s) mobile phone(s)
34 50 12 4
Cost of your home internet connection
17 69 11 3
Cost of your digital/satellite/cable television
11 58 27 4
Groceries, e.g. buying cheaper alternatives
44 47 7 2
Transport or commute
30 49 18 3
Clothing / footwear / accessories / expenditure
46 44 7 3
Home improvement / repairs
33 43 20 4
Buying major household purchases (e.g. furniture, electrical, home appliances, etc.)
46 33 18 3
Holidays / Travel 43 35 18 4
Entertainment, e.g. restaurants, cinema
49 36 12 3
Healthcare related expenditures
19 67 11 3
Total 34 48 15 3
CategoryMarch 09'
Cut back %July 09'
Cut back %Difference
Buying major household purchases (e.g. furniture, electrical, home appliances, etc.)
39 46 7
Cost of running your (your family’s) mobile phone(s)
29 34 5
Cost of your home internet connection
13 17 4
Groceries, e.g. buying cheaper alternatives
40 44 4
Transport or commute
27 30 3
Holidays / Travel 40 43 3
Entertainment, e.g. restaurants, cinema
46 49 3
Cost of your digital/satellite/cable television
9 11 2
Clothing / footwear / accessories / expenditure
45 46 1
Home improvement / repairs
34 33 -1
Healthcare related expenditures
NA 19 NA
Total 32 34 2
Comparison of the “yes, I have cut back” responses between March and JulyJuly 2009
27
Cutbacks in IcelandSince the beginning of the Economic Crisis, have you cut back expenses or have you not cut back expenses in the following categories:
CategoryYes, I have cut back %
No, I have not cut back %
Does not apply %
DKN / DNA %
Cost of running your (your family’s) mobile phone(s)
36 57 5 2
Cost of your home internet connection
11 78 9 2
Cost of your digital/satellite/cable television
26 57 16 1
Groceries, e.g. buying cheaper alternatives
62 34 2 2
Transport or commute
43 50 4 3
Clothing / footwear / accessories / expenditure
70 25 4 1
Home improvement / repairs
41 41 17 1
Buying major household purchases (e.g. furniture, electrical, home appliances, etc.)
74 15 9 2
Holidays / Travel 74 20 4 2
Entertainment, e.g. restaurants, cinema
68 25 5 2
Healthcare related expenditure
23 73 2 2
Total 48 43 7 2
CategoryMarch 09'
Cut back %July 09'
Cut back %Difference
Cost of your digital/satellite/cable television
21 26 5
Entertainment, e.g. restaurants, cinema
63 68 5
Cost of running your (your family’s) mobile phone(s)
32 36 4
Cost of your home internet connection
8 11 3
Buying major household purchases (e.g. furniture, electrical, home appliances, etc.)
72 74 2
Holidays / Travel 72 74 2
Clothing / footwear / accessories / expenditure
71 70 -1
Transport or commute
45 43 -2
Home improvement / repairs
43 41 -2
Groceries, e.g. buying cheaper alternatives
65 62 -3
Healthcare related expenditures
NA 23 NA
Total 49 48 -1
Comparison of the “yes, I have cut back” responses between March and JulyJuly 2009
28
Cutbacks in IndiaSince the beginning of the Economic Crisis, have you cut back expenses or have you not cut back expenses in the following categories:
CategoryYes, I have cut back %
No, I have not cut back %
Does not apply %
DKN / DNA %
Cost of running your (your family’s) mobile phone(s)
37 56 2 5
Cost of your home internet connection
18 33 40 9
Cost of your digital/satellite/cable television
21 70 4 5
Groceries, e.g. buying cheaper alternatives
23 68 4 5
Transport or commute
39 50 4 7
Clothing / footwear / accessories / expenditure
40 49 6 5
Home improvement / repairs
41 35 16 8
Buying major household purchases (e.g. furniture, electrical, home appliances, etc.)
48 30 15 7
Holidays / Travel 50 27 15 8
Entertainment, e.g. restaurants, cinema
51 34 8 7
Healthcare related expenditures
15 67 12 6
Total 35 47 12 6
CategoryMarch 09'
Cut back %July 09'
Cut back %Difference
Cost of running your (your family’s) mobile phone(s)
33 37 4
Transport or commute
35 39 4
Cost of your home internet connection
15 18 3
Cost of your digital/satellite/cable television
18 21 3
Holidays / Travel 50 50 0
Home improvement / repairs
42 41 -1
Buying major household purchases (e.g. furniture, electrical, home appliances, etc.)
49 48 -1
Entertainment, e.g. restaurants, cinema
53 51 -2
Clothing / footwear / accessories / expenditure
45 40 -5
Groceries, e.g. buying cheaper alternatives
32 23 -9
Healthcare related expenditures
NA 15 NA
Total 37 35 -2
Comparison of the “yes, I have cut back” responses between March and JulyJuly 2009
29
Cutbacks in ItalySince the beginning of the Economic Crisis, have you cut back expenses or have you not cut back expenses in the following categories:
CategoryYes, I have cut back %
No, I have not cut back %
Does not apply %
DKN / DNA %
Cost of running your (your family’s) mobile phone(s)
44 51 5 0
Cost of your home internet connection
20 50 30 0
Cost of your digital/satellite/cable television
23 33 44 0
Groceries, e.g. buying cheaper alternatives
47 53 0 0
Transport or commute
23 45 31 1
Clothing / footwear / accessories / expenditure
66 32 2 0
Home improvement / repairs
35 47 19 0
Buying major household purchases (e.g. furniture, electrical, home appliances, etc.)
47 41 12 0
Holidays / Travel 54 32 14 0
Entertainment, e.g. restaurants, cinema
57 32 10 1
Healthcare related expenditures
19 79 2 0
Total 40 45 15 0
CategoryMarch 09'
Cut back %July 09'
Cut back %Difference
Transport or commute
20 23 3
Cost of your digital/satellite/cable television
21 23 2
Cost of your home internet connection
20 20 0
Holidays / Travel 54 54 0
Cost of running your (your family’s) mobile phone(s)
47 44 -3
Home improvement / repairs
38 35 -3
Buying major household purchases (e.g. furniture, electrical, home appliances, etc.)
50 47 -3
Entertainment, e.g. restaurants, cinema
60 57 -3
Clothing / footwear / accessories / expenditure
70 66 -4
Groceries, e.g. buying cheaper alternatives
52 47 -5
Healthcare related expenditures
NA 19 NA
Total 43 40 -3
Comparison of the “yes, I have cut back” responses between March and JulyJuly 2009
30
Cutbacks in JapanSince the beginning of the Economic Crisis, have you cut back expenses or have you not cut back expenses in the following categories:
CategoryYes, I have cut back %
No, I have not cut back %
Does not apply %
DKN / DNA %
Cost of running your (your family’s) mobile phone(s)
36 57 4 3
Cost of your home internet connection
14 81 2 3
Cost of your digital/satellite/cable television
16 40 41 3
Groceries, e.g. buying cheaper alternatives
58 39 1 2
Transport or commute
53 42 3 2
Clothing / footwear / accessories / expenditure
71 25 2 2
Home improvement / repairs
43 22 31 4
Buying major household purchases (e.g. furniture, electrical, home appliances, etc.)
60 27 10 3
Holidays / Travel 57 33 9 1
Entertainment, e.g. restaurants, cinema
56 36 6 2
Healthcare related expenditures
27 66 4 3
Total 45 43 10 2
CategoryMarch 09'
Cut back %July 09'
Cut back %Difference
Cost of your digital/satellite/cable television
13 16 3
Buying major household purchases (e.g. furniture, electrical, home appliances, etc.)
58 60 2
Cost of running your (your family’s) mobile phone(s)
35 36 1
Cost of your home internet connection
13 14 1
Transport or commute
52 53 1
Clothing / footwear / accessories / expenditure
70 71 1
Groceries, e.g. buying cheaper alternatives
58 58 0
Home improvement / repairs
43 43 0
Holidays / Travel 57 57 0
Entertainment, e.g. restaurants, cinema
58 56 -2
Healthcare related expenditures
NA 27 NA
Total 46 45 -1
Comparison of the “yes, I have cut back” responses between March and JulyJuly 2009
31
Cutbacks in LebanonSince the beginning of the Economic Crisis, have you cut back expenses or have you not cut back expenses in the following categories:
CategoryYes, I have cut back %
No, I have not cut back %
Does not apply %
DKN / DNA %
Cost of running your (your family’s) mobile phone(s)
33 61 6 0
Cost of your home internet connection
15 50 35 0
Cost of your digital/satellite/cable television
11 85 4 0
Groceries, e.g. buying cheaper alternatives
46 53 0 1
Transport or commute
50 48 1 1
Clothing / footwear / accessories / expenditure
58 41 1 0
Home improvement / repairs
45 48 7 0
Buying major household purchases (e.g. furniture, electrical, home appliances, etc.)
45 46 8 1
Holidays / Travel 34 27 38 1
Entertainment, e.g. restaurants, cinema
51 37 11 1
Healthcare related expenditures
21 78 1 0
Total 37 52 10 0
CategoryMarch 09'
Cut back %July 09'
Cut back %Difference
Clothing / footwear / accessories / expenditure
37 58 21
Entertainment, e.g. restaurants, cinema
36 51 15
Transport or commute
25 50 25
Groceries, e.g. buying cheaper alternatives
29 46 17
Home improvement / repairs
29 45 16
Buying major household purchases (e.g. furniture, electrical, home appliances, etc.)
37 45 8
Holidays / Travel 31 34 3
Cost of running your (your family’s) mobile phone(s)
36 33 -3
Cost of your home internet connection
11 15 4
Cost of your digital/satellite/cable television
9 11 2
Healthcare related expenditures
NA 21 NA
Total 28 37 9
Comparison of the “yes, I have cut back” responses between March and JulyJuly 2009
32
Cutbacks in MexicoSince the beginning of the Economic Crisis, have you cut back expenses or have you not cut back expenses in the following categories:
CategoryYes, I have cut back %
No, I have not cut back %
Does not apply %
DKN / DNA %
Cost of running your (your family’s) mobile phone(s)
64 25 10 1
Cost of your home internet connection
31 38 30 1
Cost of your digital/satellite/cable television
34 36 30 0
Groceries, e.g. buying cheaper alternatives
75 24 0 1
Transport or commute
57 40 4 0
Clothing / footwear / accessories / expenditure
80 17 2 1
Home improvement / repairs
64 27 9 0
Buying major household purchases (e.g. furniture, electrical, home appliances, etc.)
68 22 10 0
Holidays / Travel 67 19 14 0
Entertainment, e.g. restaurants, cinema
68 20 12 0
Healthcare related expenditures
34 59 7 0
Total 58 30 12 0
CategoryMarch 09'
Cut back %July 09'
Cut back %Difference
Cost of running your (your family’s) mobile phone(s)
57 64 7
Transport or commute
50 57 7
Clothing / footwear / accessories / expenditure
73 80 7
Home improvement / repairs
57 64 7
Holidays / Travel 60 67 7
Buying major household purchases (e.g. furniture, electrical, home appliances, etc.)
62 68 6
Entertainment, e.g. restaurants, cinema
62 68 6
Cost of your home internet connection
26 31 5
Cost of your digital/satellite/cable television
31 34 3
Groceries, e.g. buying cheaper alternatives
74 75 1
Healthcare related expenditures
NA 34 NA
Total 55 58 3
Comparison of the “yes, I have cut back” responses between March and JulyJuly 2009
33
Cutbacks in The NetherlandsSince the beginning of the Economic Crisis, have you cut back expenses or have you not cut back expenses in the following categories:
CategoryYes, I have cut back %
No, I have not cut back %
Does not apply %
DKN / DNA %
Cost of running your (your family’s) mobile phone(s)
10 86 4 0
Cost of your home internet connection
5 87 7 1
Cost of your digital/satellite/cable television
5 93 2 0
Groceries, e.g. buying cheaper alternatives
29 69 1 1
Transport or commute
12 82 6 0
Clothing / footwear / accessories / expenditure
28 70 2 0
Home improvement / repairs
13 79 7 1
Buying major household purchases (e.g. furniture, electrical, home appliances, etc.)
24 67 9 1
Holidays / Travel 19 75 5 1
Entertainment, e.g. restaurants, cinema
22 73 5 0
Healthcare related expenditures
1 99 0 0
Total 15 80 4 1
CategoryMarch 09'
Cut back %July 09'
Cut back %Difference
Cost of running your (your family’s) mobile phone(s)
NA 10 NA
Cost of your home internet connection
NA 5 NA
Cost of your digital/satellite/cable television
NA 5 NA
Groceries, e.g. buying cheaper alternatives
NA 29 NA
Transport or commute
NA 12 NA
Clothing / footwear / accessories / expenditure
NA 28 NA
Home improvement / repairs
NA 13 NA
Buying major household purchases (e.g. furniture, electrical, home appliances, etc.)
NA 24 NA
Holidays / Travel NA 19 NA
Entertainment, e.g. restaurants, cinema
NA 22 NA
Healthcare related expenditures
NA 1 NA
Total 15 15
Comparison of the “yes, I have cut back” responses between March and JulyJuly 2009
34
Cutbacks in RussiaSince the beginning of the Economic Crisis, have you cut back expenses or have you not cut back expenses in the following categories:
CategoryYes, I have cut back %
No, I have not cut back %
Does not apply %
DKN / DNA %
Cost of running your (your family’s) mobile phone(s)
23 75 1 1
Cost of your home internet connection
9 88 2 1
Cost of your digital/satellite/cable television
10 51 37 2
Groceries, e.g. buying cheaper alternatives
32 56 5 7
Transport or commute
27 68 3 2
Clothing / footwear / accessories / expenditure
58 37 2 3
Home improvement / repairs
56 26 14 4
Buying major household purchases (e.g. furniture, electrical, home appliances, etc.)
59 19 19 3
Holidays / Travel 51 24 21 4
Entertainment, e.g. restaurants, cinema
55 29 13 3
Healthcare related expenditures
21 68 8 3
Total 37 49 11 3
CategoryMarch 09'
Cut back %July 09'
Cut back %Difference
Buying major household purchases (e.g. furniture, electrical, home appliances, etc.)
47 59 12
Clothing / footwear / accessories / expenditure
61 58 -3
Home improvement / repairs
49 56 7
Entertainment, e.g. restaurants, cinema
43 55 12
Holidays / Travel 36 51 15
Groceries, e.g. buying cheaper alternatives
40 32 -8
Transport or commute
34 27 -7
Cost of running your (your family’s) mobile phone(s)
38 23 -15
Cost of your digital/satellite/cable television
9 10 1
Cost of your home internet connection
15 9 -6
Healthcare related expenditures
NA 21 NA
Total 37 37 0
Comparison of the “yes, I have cut back” responses between March and JulyJuly 2009
35
Cutbacks in Saudi ArabiaSince the beginning of the Economic Crisis, have you cut back expenses or have you not cut back expenses in the following categories:
CategoryYes, I have cut back %
No, I have not cut back %
Does not apply %
DKN / DNA %
Cost of running your (your family’s) mobile phone(s)
36 63 0 1
Cost of your home internet connection
30 57 12 1
Cost of your digital/satellite/cable television
11 85 4 0
Groceries, e.g. buying cheaper alternatives
46 53 0 1
Transport or commute
50 48 1 1
Clothing / footwear / accessories / expenditure
58 41 1 0
Home improvement / repairs
45 48 7 0
Buying major household purchases (e.g. furniture, electrical, home appliances, etc.)
45 46 8 1
Holidays / Travel 34 27 38 1
Entertainment, e.g. restaurants, cinema
51 37 11 1
Healthcare related expenditures
21 78 1 0
Total 39 53 8 1
Comparison of the “yes, I have cut back” responses between March and July
CategoryMarch 09'
Cut back %July 09'
Cut back %Difference
Transport or commute
16 34 18
Groceries, e.g. buying cheaper alternatives
22 44 22
Entertainment, e.g. restaurants, cinema
31 45 14
Clothing / footwear / accessories / expenditure
41 43 2
Cost of your home internet connection
21 30 9
Home improvement / repairs
42 45 3
Buying major household purchases (e.g. furniture, electrical, home appliances, etc.)
43 50 7
Cost of running your (your family’s) mobile phone(s)
36 36 0
Cost of your digital/satellite/cable television
15 27 12
Holidays / Travel 45 52 7
Healthcare related expenditures
NA 18 NA
Total 31 39 8
July 2009
36
Cutbacks in SpainSince the beginning of the Economic Crisis, have you cut back expenses or have you not cut back expenses in the following categories:
CategoryYes, I have cut back %
No, I have not cut back %
Does not apply %
DKN / DNA %
Cost of running your (your family’s) mobile phone(s)
40 55 5 0
Cost of your home internet connection
12 50 37 1
Cost of your digital/satellite/cable television
7 31 60 2
Groceries, e.g. buying cheaper alternatives
38 59 1 2
Transport or commute
18 67 14 1
Clothing / footwear / accessories / expenditure
54 45 1 0
Home improvement / repairs
38 47 14 1
Buying major household purchases (e.g. furniture, electrical, home appliances, etc.)
37 46 15 2
Holidays / Travel 48 47 5 0
Entertainment, e.g. restaurants, cinema
55 43 2 0
Healthcare related expenditures
11 85 4 0
Total 33 52 14 1
CategoryMarch 09'
Cut back %July 09'
Cut back %Difference
Holidays / Travel 37 48 11
Entertainment, e.g. restaurants, cinema
48 55 7
Buying major household purchases (e.g. furniture, electrical, home appliances, etc.)
31 37 6
Home improvement / repairs
35 38 3
Transport or commute
16 18 2
Cost of your home internet connection
11 12 1
Cost of running your (your family’s) mobile phone(s)
40 40 0
Cost of your digital/satellite/cable television
8 7 -1
Clothing / footwear / accessories / expenditure
59 54 -5
Groceries, e.g. buying cheaper alternatives
46 38 -8
Healthcare related expenditures
NA 11 NA
Total 33 33 0
Comparison of the “yes, I have cut back” responses between March and JulyJuly 2009
37
Cutback in SwitzerlandSince the beginning of the Economic Crisis, have you cut back expenses or have you not cut back expenses in the following categories:
CategoryYes, I have cut back %
No, I have not cut back %
Does not apply %
DKN / DNA %
Cost of running your (your family’s) mobile phone(s)
20 69 10 1
Cost of your home internet connection
8 78 13 1
Cost of your digital/satellite/cable television
6 77 16 1
Groceries, e.g. buying cheaper alternatives
28 70 1 1
Transport or commute
15 75 10 0
Clothing / footwear / accessories / expenditure
32 66 1 1
Home improvement / repairs
14 64 20 2
Buying major household purchases (e.g. furniture, electrical, home appliances, etc.)
25 51 24 0
Holidays / Travel 24 64 11 1
Entertainment, e.g. restaurants, cinema
25 66 8 1
Healthcare related expenditures
11 86 2 1
Total 19 70 11 1
CategoryMarch 09'
Cut back %July 09'
Cut back %Difference
Groceries, e.g. buying cheaper alternatives
23 28 5
Cost of running your (your family’s) mobile phone(s)
16 20 4
Cost of your home internet connection
4 8 4
Cost of your digital/satellite/cable television
3 6 3
Clothing / footwear / accessories / expenditure
30 32 2
Holidays / Travel 22 24 2
Transport or commute
16 15 -1
Home improvement / repairs
15 14 -1
Entertainment, e.g. restaurants, cinema
27 25 -2
Buying major household purchases (e.g. furniture, electrical, home appliances, etc.)
32 25 -7
Healthcare related expenditures
NA 11 NA
Total 19 19 0
Comparison of the “yes, I have cut back” responses between March and JulyJuly 2009
38
Cutbacks in the UKSince the beginning of the Economic Crisis, have you cut back expenses or have you not cut back expenses in the following categories:
CategoryYes, I have cut back %
No, I have not cut back %
Does not apply %
DKN / DNA %
Cost of running your (your family’s) mobile phone(s)
32 58 8 2
Cost of your home internet connection
15 79 5 1
Cost of your digital/satellite/cable television
17 55 26 2
Groceries, e.g. buying cheaper alternatives
53 43 1 3
Transport or commute
34 48 16 2
Clothing / footwear / accessories / expenditure
57 38 3 2
Home improvement / repairs
43 38 16 3
Buying major household purchases (e.g. furniture, electrical, home appliances, etc.)
48 33 16 3
Holidays / Travel 44 40 14 2
Entertainment, e.g. restaurants, cinema
52 34 12 2
Healthcare related expenditures
20 56 22 2
Total 38 48 13 1
CategoryMarch 09'
Cut back %July 09'
Cut back %Difference
Cost of your home internet connection
11 15 4
Cost of your digital/satellite/cable television
13 17 4
Cost of running your (your family’s) mobile phone(s)
30 32 2
Entertainment, e.g. restaurants, cinema
50 52 2
Transport or commute
33 34 1
Home improvement / repairs
42 43 1
Holidays / Travel 43 44 1
Clothing / footwear / accessories / expenditure
57 57 0
Buying major household purchases (e.g. furniture, electrical, home appliances, etc.)
48 48 0
Groceries, e.g. buying cheaper alternatives
55 53 -2
Healthcare related expenditures
NA 20 NA
Total 38 38 0
Comparison of the “yes, I have cut back” responses between March and JulyJuly 2009
39
Cutbacks in the USSince the beginning of the Economic Crisis, have you cut back expenses or have you not cut back expenses in the following categories:
CategoryYes, I have cut back %
No, I have not cut back %
Does not apply %
DKN / DNA %
Cost of running your (your family’s) mobile phone(s)
28 61 9 2
Cost of your home internet connection
15 80 3 2
Cost of your digital/satellite/cable television
27 64 9 0
Groceries, e.g. buying cheaper alternatives
58 40 2 0
Transport or commute
50 43 6 1
Clothing / footwear / accessories / expenditure
68 28 2 2
Home improvement / repairs
52 31 15 2
Buying major household purchases (e.g. furniture, electrical, home appliances, etc.)
62 24 13 1
Holidays / Travel 65 27 7 1
Entertainment, e.g. restaurants, cinema
68 27 3 2
Healthcare related expenditures
28 65 4 3
Total 47 45 7 1
CategoryMarch 09'
Cut back %July 09'
Cut back %Difference
Holidays / Travel 42 65 23
Cost of your digital/satellite/cable television
22 27 5
Cost of running your (your family’s) mobile phone(s)
26 28 2
Cost of your home internet connection
13 15 2
Buying major household purchases (e.g. furniture, electrical, home appliances, etc.)
60 62 2
Home improvement / repairs
52 52 0
Entertainment, e.g. restaurants, cinema
69 68 -1
Transport or commute
52 50 -2
Clothing / footwear / accessories / expenditure
70 68 -2
Groceries, e.g. buying cheaper alternatives
61 58 -3
Healthcare related expenditures
NA 28 NA
Total 47 47 0
Comparison of the “yes, I have cut back” responses between March and JulyJuly 2009
40
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