The questions can only provide meaningful information about the level of financial literacy of individuals and populations if they are sufficiently varied to differentiate between high and low achievers by combining a mixture of easy and more difficult problems. The analysis of responses to each question shows that the spread of difficulty in the core questionnaire is appropriate; differentiating well both within countries and across countries. There are also a sufficient number of questions to provide a good overview of a person’s basic knowledge, indicate general willingness to absorb financial information and an ability to apply knowledge to particular problems
