{"id":6883,"date":"2026-09-24T14:44:36","date_gmt":"2026-09-24T14:44:36","guid":{"rendered":"http:\/\/ashadocs.org\/scales\/family-inventory-of-resources-for-management-firm\/"},"modified":"2026-09-24T14:44:36","modified_gmt":"2026-09-24T14:44:36","slug":"family-inventory-of-resources-for-management-firm","status":"publish","type":"psych_scale","link":"https:\/\/ashadocs.org\/?psych_scale=family-inventory-of-resources-for-management-firm","title":{"rendered":"Family Inventory of Resources for Management (FIRM)"},"content":{"rendered":"<h2>1. Abstract<\/h2>\n<p>The <strong>Family Inventory of Resources for Management (FIRM)<\/strong> is an established 69-item self-report psychometric instrument developed by <a href=\"https:\/\/en.wikipedia.org\/wiki\/Hamilton_McCubbin\" target=\"_blank\" rel=\"noopener noreferrer\">Hamilton I. McCubbin<\/a>, Joan K. Comeau, and J. A. Harkins (1981) to assess family system resources, capabilities, and management strategies under conditions of normative transitions and chronic strain. Derived from the theoretical traditions of the <a href=\"https:\/\/en.wikipedia.org\/wiki\/Double_ABC-X_model\" target=\"_blank\" rel=\"noopener noreferrer\">Double ABCX Model<\/a> and the <em>Resiliency Model of Family Stress, Adjustment, and Adaptation<\/em>, the FIRM operationalizes the &#8220;B&#8221; and &#8220;bB&#8221; factors\u2014specifically delineating the reservoir of internal attributes, external support networks, and material capital that families activate to maintain balance and facilitate crisis resolution. The instrument utilizes a 4-point <a href=\"https:\/\/en.wikipedia.org\/wiki\/Likert_scale\" target=\"_blank\" rel=\"noopener noreferrer\">Likert-type rating scale<\/a> ranging from 0 (<em>&#8220;not at all \u2013 this statement does not describe our family situation&#8221;<\/em>) to 3 (<em>&#8220;very well \u2013 this statement describes our family very accurately&#8221;<\/em>).<\/p>\n<p>Psychometric evaluations delineate four primary empirically derived subscales alongside an embedded validity index: <strong>Family Strengths I: Esteem and Communication<\/strong> (15 items), measuring mutuality, mutual respect, open emotional expression, and constructive problem-solving; <strong>Family Strengths II: Mastery and Health<\/strong> (20 items), capturing systemic perceived control, family coping flexibility, physical vigor, and emotional stability; <strong>Family Strengths III: Extended Family Social Support<\/strong> (4 items), examining reciprocal mutual aid and psychosocial backing from extended kinship circles; and <strong>Family Strengths IV: Financial Well-Being<\/strong> (16 items), indexing economic security, budgeting competence, resource adequacy, and debt management. The remaining items encompass family context parameters and a dedicated <em>Family Social Desirability<\/em> index. Internal consistency reliabilities across normative and clinical samples demonstrate robust coefficients: <span class=\"arabpsy-eq\" dir=\"ltr\">Esteem and Communication (&alpha; = .85), Mastery and Health (&alpha; = .85), Financial Well-Being (&alpha; = .85), and Extended Family Social Support (&alpha; = .62), with total resource scale reliability reaching &alpha; = .89. The FIRM exhibits solid construct, convergent, and predictive validity across diverse populations, proving instrumental in family therapy, pediatric oncology contexts, developmental disability research, and systemic resilience analytics<\/span>.<\/p>\n<h2>2. Keywords<\/h2>\n<p>Family Inventory of Resources for Management, FIRM, family resilience, Double ABCX Model, family stress theory, systemic family assessment, family coping resources, financial well-being, family mastery, kinship support<\/p>\n<h2>3. Authors<\/h2>\n<p>The Family Inventory of Resources for Management was conceived, developed, and validated by leading family scientists and psychometricians associated with the Family Stress, Coping and Health Project at the <a href=\"https:\/\/www.wisc.edu\/\" target=\"_blank\" rel=\"noopener noreferrer\">University of Wisconsin\u2013Madison<\/a>:<\/p>\n<ul>\n<li><strong>Hamilton I. McCubbin, Ph.D.<\/strong>: Professor Emeritus of Human Development and Family Studies, School of Human Ecology, University of Wisconsin\u2013Madison. A pioneering figure in family systems research, Dr. McCubbin formulated the Double ABCX Model and the Resiliency Model of Family Stress, Adjustment, and Adaptation, leading extensive empirical investigations into family resilience across military, civilian, and multicultural contexts.<\/li>\n<li><strong>Joan K. Comeau, Ph.D.<\/strong>: Research Associate and family systems scientist whose work centered on family resource management, marital and family dynamics, and measurement protocols for family crisis intervention.<\/li>\n<li><strong>J. A. Harkins, M.S.<\/strong>: Psychometrician and collaborative researcher within the Family Stress, Coping and Health Project, instrumental in the early exploratory factor analysis, item refinement, and normative standardization of the FIRM inventory.<\/li>\n<\/ul>\n<p>Inquiries regarding historic datasets, normative scoring archives, and manualized documentation are maintained through the Resiliency Collection at the University of Wisconsin\u2013Madison and cataloged in clinical compendia such as Fischer and Corcoran&#8217;s <em>Measures for Clinical Practice and Research<\/em>.<\/p>\n<h2>4. Purpose<\/h2>\n<p>The overarching purpose of the Family Inventory of Resources for Management (FIRM) is to provide an objective, standardized, and clinically sensitive psychometric measurement of a family&#8217;s internal and external repertoire of management resources. When families experience acute pile-ups of stressor events (the &#8220;aA&#8221; factor in family stress theory), their ultimate adjustment or maladaptation depends heavily on their repertoire of assets\u2014defined as physical, emotional, structural, relational, and material capabilities. Prior to the development of the FIRM, most clinical diagnostic tools focused predominantly on psychopathology, individual symptom checklists, or generalized dysfunction, leaving researchers and clinicians with few validated means to assess positive system capabilities.<\/p>\n<h3>Theoretical and Diagnostic Rationale<\/h3>\n<p>From an applied clinical perspective, the FIRM was engineered to identify systemic vulnerabilities and latent strengths simultaneously. Rather than viewing family breakdown as an inevitable outcome of crisis, the instrument operates on a salutogenic paradigm: families possess differential capacities to manage demands, organize their internal dynamics, and negotiate external support systems. By dissecting resources into four functional quadrants\u2014relational esteem\/communication, cognitive mastery\/health, extended kinship solidarity, and economic solvency\u2014the FIRM enables clinicians to map an ecological profile of where intervention is most urgently required and where existing family strengths can be mobilized as therapeutic leverage.<\/p>\n<h3>Research Applications<\/h3>\n<p>In empirical research, the FIRM serves several vital functions across family psychology, behavioral medicine, and social work:<\/p>\n<ul>\n<li><strong>Predictive Modeling of Crisis Adaptation:<\/strong> Researchers deploy the FIRM to test mediating and moderating mechanisms between chronic stressors (e.g., pediatric chronic illness, neurodevelopmental conditions, parental job loss) and family adaptation outcomes such as marital satisfaction, parental burnout, and child behavioral adjustment.<\/li>\n<li><strong>Longitudinal Family Trajectory Tracking:<\/strong> Because family resources fluctuate over developmental phases, the FIRM enables investigators to track changes in resource accumulation or resource depletion over extended transition periods.<\/li>\n<li><strong>Program Evaluation and Intervention Efficacy:<\/strong> Psychoeducational, family support, and financial counseling programs utilize the FIRM as a pre-test and post-test measurement battery to assess whether systemic interventions measurably bolster coping mastery, intra-familial communication, and fiscal management.<\/li>\n<li><strong>Cross-Cultural and Caregiver Vulnerability Studies:<\/strong> The tool has been adapted internationally to examine systemic burdens in oncological caregiving, geriatric family management, and low-income community adaptation, validating its structural robustness across diverse socio-cultural ecologies.<\/li>\n<\/ul>\n<h2>5. Psychological Construct<\/h2>\n<p>The psychological construct assessed by the FIRM is <em>Family System Management Resources<\/em>. In systemic family theory, resources are defined as the tangible and intangible traits, capacities, skills, and structural goods accessible to the collective family unit that can be deployed to meet the demands generated by stressor events, developmental milestones, and everyday homeostatic requirements. Rather than treating individual coping strategies as isolated psychological phenomena, the FIRM conceptualizes resources as an integrated ecosystem operating across personal, interpersonal, and communal strata.<\/p>\n<h3>Subscale I: Esteem and Communication<\/h3>\n<p>Comprising 15 items (Items 36, 38, 39, 44, 46, 50, 52, 53, 55, 58, 60, 62, 65, 67, and 68), this dimension reflects the interpersonal emotional climate and cognitive problem-solving efficacy of the family system. It measures the presence of mutual respect, validation of individual differences, openness of emotional expression (e.g., granting permission to cry or show affection), constructive communication patterns, and optimistic reappraisal when confronted with hardships. A family scoring high on this dimension exhibits strong intra-familial cohesion without enmeshment, allowing members to voice concerns, deliberate collaboratively prior to major decisions, and derive intrinsic fulfillment from reciprocal aid.<\/p>\n<h3>Subscale II: Mastery and Health<\/h3>\n<p>Spanning 20 items (Items 2, 3, 4, 6, 7, 8, 9, 11, 13, 14, 15, 17, 18, 20, 22, 23, 26, 27, 29, and 32), this subscale operationalizes the family&#8217;s collective sense of internal <a href=\"https:\/\/en.wikipedia.org\/wiki\/Locus_of_control\" target=\"_blank\" rel=\"noopener noreferrer\">locus of control<\/a>, systemic self-efficacy, and physical\/emotional vitality. High levels of mastery signify that the family believes it can actively shape its destiny through proactive planning rather than capitulating to fatalistic beliefs. The subscale simultaneously assesses the absence of debilitating system dysfunctions, such as chronic physical exhaustion, pervasive depression, recurring conflict, role imbalances, procrastination, and excessive tension. The majority of items on this subscale are reverse-coded to capture the degree to which daily functioning is unencumbered by systemic somatic distress and perceived helplessness.<\/p>\n<h3>Subscale III: Extended Family Social Support<\/h3>\n<p>Consisting of 4 targeted items (Items 41, 48, 56, and 66), this subscale quantifies the relational capital and perceived availability of help from external kinship networks. Guided by social exchange and attachment frameworks, it measures the degree to which relatives provide empathetic listening, validation, and practical assistance without imposing asymmetric relational costs (such as feeling exploited or taken for granted). It serves as a metric of the family&#8217;s embeddedness in a broader protective kinship matrix that can buffer against isolated acute crises.<\/p>\n<h3>Subscale IV: Financial Well-Being<\/h3>\n<p>Comprising 16 items (Items 35, 37, 40, 42, 43, 45, 47, 49, 51, 54, 57, 59, 61, 63, 64, and 69), this subscale provides an evaluation of the family&#8217;s economic stability, financial self-efficacy, and material safety margins. Rather than simply recording gross household income, Financial Well-Being assesses concrete management competencies, such as timely bill payments, banking creditworthiness, the presence of short-term liquid reserves to absorb sudden unexpected costs, discretionary spending margins, retirement planning, employee health benefits, and perceived economic trajectory over time. It distinguishes families with genuine financial buffers from those existing on precarious economic margins where minor shocks precipitate acute crises.<\/p>\n<h3>Embedded Social Desirability and Contextual Indicators<\/h3>\n<p>In addition to the four core subscales, the FIRM incorporates items evaluating systemic social desirability response bias (e.g., Item 5: <em>&#8220;Our family is as well adjusted as any family in this world can be&#8221;<\/em>; Item 30: <em>&#8220;We feel our family is a perfect success&#8221;<\/em>). It also captures critical socio-demographic indicators regarding baseline dependence on public assistance (Item 10), disability benefits (Item 25), alimony\/child support (Item 21), and homeownership (Item 33). These indicators contextualize the quantitative scores and ensure clinicians identify potential defensive distortion.<\/p>\n<h2>6. Theoretical Framework<\/h2>\n<p>The Family Inventory of Resources for Management is grounded in systemic family theory, particularly the evolution of family stress frameworks formulated throughout the mid-to-late 20th century. Its primary theoretical foundations include <a href=\"https:\/\/en.wikipedia.org\/wiki\/Reuben_Hill\" target=\"_blank\" rel=\"noopener noreferrer\">Reuben Hill<\/a>&#8216;s classic ABCX Model of Family Stress (1949), Hamilton I. McCubbin and Joan M. Patterson&#8217;s Double ABCX Model (1983), and the subsequent Resiliency Model of Family Stress, Adjustment, and Adaptation (McCubbin &amp; McCubbin, 1991, 1996).<\/p>\n<h3>From the ABCX Model to the Double ABCX Model<\/h3>\n<p>Reuben Hill&#8217;s foundational ABCX framework proposed that a crisis (<strong>X<\/strong>) is produced by the interaction of an initiating stressor event (<strong>A<\/strong>), interacting with the family&#8217;s crisis-meeting resources (<strong>B<\/strong>), interacting with the subjective definition or meaning the family attributes to the event (<strong>C<\/strong>). In longitudinal studies of families confronting warfare separation, chronic childhood physical conditions, and structural dislocations, McCubbin and colleagues identified that Hill&#8217;s original formulation was fundamentally static. Real-world families rarely face single, isolated stressors; rather, they experience a continuous accumulation of multiple demands over time, termed the &#8220;pile-up&#8221; of stressors (<strong>aA<\/strong> factor).<\/p>\n<p>Consequently, the Double ABCX Model expanded the resource dimension into existing resources (<strong>B<\/strong>) and newly acquired or expanded resources (<strong>bB<\/strong>). The FIRM was engineered precisely to assess this composite <strong>bB Factor<\/strong>. Within the Double ABCX schema, the bB factor encompasses both the internal capacities inherent to the marital\/parental dyad and family structure, as well as the external institutional, economic, and community assets that the family musters over time to prevent breakdown (maladaptation) and foster regeneration (bonadaptation).<\/p>\n<h3>The Resiliency Model of Family Stress, Adjustment, and Adaptation<\/h3>\n<p>As family stress theory progressed into the 1990s, McCubbin and McCubbin further refined their paradigm into the <em>Resiliency Model<\/em>, introducing a clear distinction between the <em>Adjustment Phase<\/em> (in which families make minor, second-order systemic modifications to accommodate normative disruptions) and the <em>Adaptation Phase<\/em> (where families undergo profound systemic restructuring following severe, non-normative crises). Within this model, the FIRM maps onto the core systemic components:<\/p>\n<ul>\n<li><strong>Family System Resources:<\/strong> Internal cohesion, communication competence, and flexible boundary maintenance (captured primarily by Subscale I: Esteem and Communication).<\/li>\n<li><strong>Family Problem-Solving and Coping Capabilities:<\/strong> The collective cognitive schema that fosters optimism, persistent effort, and operational problem solving rather than fatalistic surrender (operationalized by Subscale II: Mastery and Health).<\/li>\n<li><strong>Social Support Infrastructure:<\/strong> The immediate ecological buffer provided by primary kin, protecting the nuclear unit from social isolation and exhaustion (Subscale III: Extended Family Social Support).<\/li>\n<li><strong>Economic and Environmental Capital:<\/strong> The baseline material subsistence and financial elasticity required to execute practical adaptation plans without slipping into poverty or institutional dependency (Subscale IV: Financial Well-Being).<\/li>\n<\/ul>\n<h2>7. Validity<\/h2>\n<p>The construct, convergent, predictive, and discriminant validity of the FIRM has been documented across empirical studies involving normative civilian families, military service personnel, rural agricultural families navigating financial crises, and caregivers managing chronic illness.<\/p>\n<h3>Construct and Structural Validity<\/h3>\n<p>Construct validity was initially established by McCubbin, Comeau, and Harkins (1981) via extensive item analysis and orthogonal\/oblique factor analytic techniques on normative samples totaling hundreds of married and single-parent families. The items demonstrated strong convergent loading on their respective latent resource dimensions. In a psychometric validation conducted by Mirsoleymani, Rohani, Matbouei, Nasiri, and Vasli (2016) among family caregivers of cancer patients, confirmatory and exploratory analyses supported the instrument&#8217;s structural coherence, verifying that the subscales capture distinct facets of family management that collectively explain significant proportions of total scale variance.<\/p>\n<h3>Convergent and Concurrent Validity<\/h3>\n<p>The FIRM exhibits strong convergent validity when benchmarked against parallel measures of individual and family functioning:<\/p>\n<ul>\n<li><span class=\"arabpsy-eq\" dir=\"ltr\"><strong>Family Environment and Cohesion:<\/strong> Scores on Subscale I (Esteem and Communication) demonstrate significant positive correlations with Moos&#8217;s <em>Family Environment Scale<\/em> (FES) Cohesion subscale (r = .58 to .67, p &lt; .001) and Olson&#8217;s <em>FACES<\/em> (Family Adaptability and Cohesion Evaluation Scales) balanced cohesion indicators<\/span>.<\/li>\n<li><span class=\"arabpsy-eq\" dir=\"ltr\"><strong>Family Sense of Coherence:<\/strong> Subscale II (Mastery and Health) correlates substantially with Antonovsky&#8217;s <em>Sense of Coherence<\/em> (SOC) scale (r = .52 to .61, p &lt; .001) and family hardiness inventories, indicating that families reporting high FIRM mastery view their environment as comprehensible, manageable, and meaningful<\/span>.<\/li>\n<li><span class=\"arabpsy-eq\" dir=\"ltr\"><strong>Extended Kinship Networks:<\/strong> Subscale III (Extended Family Social Support) correlates robustly with multidimensional social support inventories such as the <em>Multidimensional Scale of Perceived Social Support<\/em> (MSPSS) kin subscale (r = .64, p &lt; .001)<\/span>.<\/li>\n<li><span class=\"arabpsy-eq\" dir=\"ltr\"><strong>Financial Strain:<\/strong> Subscale IV (Financial Well-Being) displays strong negative correlations with objective family debt-to-income ratios and standardized indices of economic hardship (r = -.59 to -.71, p &lt; .001)<\/span>.<\/li>\n<\/ul>\n<h3>Predictive and Discriminant Validity<\/h3>\n<p>Predictive validity is demonstrated across clinical and stress-burden paradigms. In longitudinal research evaluating families raising children with complex chronic medical conditions (e.g., cystic fibrosis, congenital heart defects, and cerebral palsy), FIRM baseline scores predicted parental psychological distress, caregiver burden, and child treatment adherence over a 12-month period. Families possessing higher FIRM total scores consistently demonstrated lower rates of marital dissolution, reduced parental depression inventories, and superior health-related quality of life outcomes. Discriminant validity is confirmed by the tool&#8217;s capacity to differentiate between distressed clinical families seeking psychiatric or social welfare support and non-distressed normative comparison cohorts.<\/p>\n<h2>8. Reliability<\/h2>\n<p>The psychometric reliability of the Family Inventory of Resources for Management has been confirmed through repeated evaluations of internal consistency and temporal stability.<\/p>\n<h3>Internal Consistency Reliability<\/h3>\n<p>In the original normative standardization samples reported by McCubbin, Comeau, and Harkins (1981, 1996), <a href=\"https:\/\/en.wikipedia.org\/wiki\/Cronbach%27s_alpha\" target=\"_blank\" rel=\"noopener noreferrer\">Cronbach&#8217;s alpha<\/a> coefficients indicated high reliability across the major subscales:<\/p>\n<ul>\n<li><strong>Family Strengths I: <span class=\"arabpsy-eq\" dir=\"ltr\">Esteem and Communication (15 items):<\/strong> &alpha; = .85<\/span><\/li>\n<li><strong>Family Strengths II: <span class=\"arabpsy-eq\" dir=\"ltr\">Mastery and Health (20 items):<\/strong> &alpha; = .85<\/span><\/li>\n<li><strong>Family Strengths III: <span class=\"arabpsy-eq\" dir=\"ltr\">Extended Family Social Support (4 items):<\/strong> &alpha; = .62<\/span><\/li>\n<li><strong>Family Strengths IV: <span class=\"arabpsy-eq\" dir=\"ltr\">Financial Well-Being (16 items):<\/strong> &alpha; = .85<\/span><\/li>\n<li><span class=\"arabpsy-eq\" dir=\"ltr\"><strong>Overall Scale Composite:<\/strong> Coefficients for the total aggregate FIRM score frequently exceed &alpha; = .89, demonstrating that the composite measure has high internal consistency when deployed as a global metric of family management capital<\/span>.<\/li>\n<\/ul>\n<p><span class=\"arabpsy-eq\" dir=\"ltr\">The comparatively lower coefficient for Subscale III (&alpha; = .62) is characteristic of 4-item brief indices, where Cronbach&#8217;s alpha is inherently constrained by the small number of items, yet the mean inter-item correlation remains within acceptable psychometric parameters (r = .29 to .38)<\/span>.<\/p>\n<h3>Test-Retest Stability<\/h3>\n<p><span class=\"arabpsy-eq\" dir=\"ltr\">Stability across time has been demonstrated across several test-retest intervals. Over a standard four-week re-administration interval with non-clinical cohorts, test-retest reliability coefficients ranged from r = .77 to r = .86 across the subscales, indicating that the FIRM captures stable systemic traits rather than transient day-to-day moods. Even over six-month periods in stable environments, the subscales maintain relative rank-order stability, while exhibiting responsiveness to major ecological shocks (such as sudden catastrophic medical illness or unemployment), confirming both trait-like stability and sensitivity to acute systemic disruption<\/span>.<\/p>\n<h2>9. Factor Analysis<\/h2>\n<p>The structural framework of the FIRM was developed using exploratory factor analysis (EFA) and subsequently tested with confirmatory factor analysis (CFA) across diverse cultural cohorts.<\/p>\n<h3>Exploratory Factor Analysis (EFA)<\/h3>\n<p><span class=\"arabpsy-eq\" dir=\"ltr\">During its initial psychometric construction, the item pool was analyzed using principal axis factoring with both orthogonal (Varimax) and oblique (Promax) rotations to account for expected correlations among family resource domains. The analyses confirmed four primary underlying factors with eigenvalues exceeding the Kaiser-Guttman criterion (&lambda; &gt; 1.0), accounting for a substantial percentage of the common variance<\/span>:<\/p>\n<ul>\n<li><strong>Factor 1 (Esteem and Communication):<\/strong> Items loaded prominently on mutual appreciation, problem deliberation, positive emotional expression, and cognitive reframing, with factor loadings ranging from .42 to .74.<\/li>\n<li><strong>Factor 2 (Mastery and Health):<\/strong> Items mapped onto systemic self-control, absence of somatic exhaustion, and efficient decision-making. Salient loadings ranged from .38 to .69 across reverse-scored items reflecting systemic dysfunction and passivity.<\/li>\n<li><strong>Factor 3 (Financial Well-Being):<\/strong> Items loaded strongly on cash-flow elasticity, banking resources, savings buffers, and absence of severe debt anxiety, yielding clean factor loadings between .45 and .78.<\/li>\n<li><strong>Factor 4 (Extended Family Support):<\/strong> Items clustered around kin-based emotional reassurance, mutual aid, and reciprocal appreciation, demonstrating loadings between .51 and .72.<\/li>\n<\/ul>\n<h3>Confirmatory Factor Analysis (CFA) and Cross-Cultural Validation<\/h3>\n<p>Subsequent psychometric investigations have subjected the FIRM to confirmatory structural equation modeling. In modern adaptations (such as Mirsoleymani et al., 2016), CFA models evaluated the theoretical four-factor specification. Fit indices demonstrated acceptable-to-good fit to the observed data following the correlation of select intra-factor measurement errors: <span class=\"arabpsy-eq\" dir=\"ltr\">Comparative Fit Index (CFI) &gt; .90, Tucker-Lewis Index (TLI) &gt; .89, Root Mean Square Error of Approximation (RMSEA) &le; .058 (90% CI: .051\u2013.065), and Standardized Root Mean Square Residual (SRMR) &le; .062. These findings validate the multidimensional construct: although intra-familial communication and financial health are positively correlated (r &approx; .34 to .45), they remain structurally distinct latent constructs that should be scored independently<\/span>.<\/p>\n<h2>10. Instrument \/ Measurement Tool<\/h2>\n<ul>\n<li><strong>Tool Name:<\/strong> Family Inventory of Resources for Management (FIRM)<\/li>\n<li><strong>Authors:<\/strong> Hamilton I. McCubbin, Joan K. Comeau, &amp; J. A. Harkins<\/li>\n<li><strong>Year of Origin:<\/strong> 1981 (Manualized revision: 1996)<\/li>\n<li><strong>Instrument Type:<\/strong> Self-report family system rating inventory completed by one or multiple adult family members<\/li>\n<li><strong>Item Count:<\/strong> 69 total items (55 items scored across four primary subscales; 5 items scored on the Family Social Desirability Index; 9 items assessing family context, additional strains, and structural parameters)<\/li>\n<li><strong>Response Format:<\/strong> 4-point Likert-type scale formatted as follows:\n<ul>\n<li><span class=\"arabpsy-eq\" dir=\"ltr\"><strong>0<\/strong> = <em>not at all \u2013 this statement does not describe our family situation<\/em><\/span><\/li>\n<li><span class=\"arabpsy-eq\" dir=\"ltr\"><strong>1<\/strong> = <em>minimally \u2013 this statement describes our family situation only slightly<\/em><\/span><\/li>\n<li><span class=\"arabpsy-eq\" dir=\"ltr\"><strong>2<\/strong> = <em>moderately \u2013 this statement describes our family situation fairly well<\/em><\/span><\/li>\n<li><span class=\"arabpsy-eq\" dir=\"ltr\"><strong>3<\/strong> = <em>very well \u2013 this statement describes our family very accurately<\/em><\/span><\/li>\n<\/ul>\n<\/li>\n<li><strong>Subscale Item Composition:<\/strong>\n<ul>\n<li><strong>Family Strengths I: Esteem and Communication (15 items):<\/strong> Items 36, 38, 39, 44, 46, 50, 52, 53, 55, 58, 60, 62, 65, 67, and 68.<\/li>\n<li><strong>Family Strengths II: Mastery and Health (20 items):<\/strong> Items 2, 3, 4, 6, 7, 8, 9, 11, 13, 14, 15, 17, 18, 20, 22, 23, 26, 27, 29, and 32. <em>(Note: Items in this subscale are reverse-scored).<\/em><\/li>\n<li><strong>Family Strengths III: Extended Family Social Support (4 items):<\/strong> Items 41, 48, 56, and 66. <em>(Item 41 is reverse-scored).<\/em><\/li>\n<li><strong>Family Strengths IV: Financial Well-Being (16 items):<\/strong> Items 35, 37, 40, 42, 43, 45, 47, 49, 51, 54, 57, 59, 61, 63, 64, and 69. <em>(Items 49, 57, and 61 are reverse-scored).<\/em><\/li>\n<li><strong>Family Social Desirability Index (5 items):<\/strong> Items 5, 12, 19, 24, and 30. <em>(Item 24 is reverse-scored).<\/em><\/li>\n<li><strong>Contextual Demographics &amp; Additional Indicators:<\/strong> Items 1, 10, 16, 21, 25, 28, 31, 33, and 34.<\/li>\n<\/ul>\n<\/li>\n<li><strong>Scoring Rules:<\/strong>\n<ul>\n<li><strong>Reverse Scoring:<\/strong> Items designated with an asterisk (*) must be inverted prior to aggregation: 0 becomes 3, 1 becomes 2, 2 becomes 1, and 3 becomes 0.<\/li>\n<li><strong>Subscale Aggregation:<\/strong> Subscale totals are calculated by summing the keyed item values. Higher scores across all four subscales consistently reflect higher levels of family management resources, greater mastery, stronger extended kinship networks, and superior financial security.<\/li>\n<li><strong>Total Score Calculation:<\/strong> A grand resource composite score can be derived by summing the scores of Subscales I, II, III, and IV.<\/li>\n<\/ul>\n<\/li>\n<li><strong>Administration Time:<\/strong> Approximately 15 to 20 minutes.<\/li>\n<\/ul>\n<h2>11. Permissions &amp; Fee and Test Year<\/h2>\n<p>The Family Inventory of Resources for Management (FIRM) was developed in 1981 by Hamilton I. McCubbin, Joan K. Comeau, and J. A. Harkins at the Family Stress, Coping and Health Project, University of Wisconsin\u2013Madison. The instrument was formally published in research compendia and family assessment sourcebooks, including McCubbin, Thompson, and McCubbin (1996) <em>Family Assessment: Resiliency, Coping and Adaptation \u2013 Inventories for Research and Practice<\/em>, as well as Fischer and Corcoran&#8217;s (2007) <em>Measures for Clinical Practice and Research<\/em> (Oxford University Press).<\/p>\n<p>The instrument is protected by copyright belonging to Hamilton I. McCubbin and the University of Wisconsin System. However, the authors and copyright holders established an academic open-access policy for non-profit scholarly research, clinical training, and educational evaluation, provided that appropriate bibliographic credit is extended to the original authors. Detailed clinical manuals, scoring protocols, and psychometric documentation can be examined through academic libraries and research repositories cataloged at <a href=\"http:\/\/www.mccubbinresilience.org\/\" target=\"_blank\" rel=\"noopener noreferrer\">McCubbin Resilience Measures<\/a>. Commercial use, inclusion within proprietary software platforms, or third-party digital distribution requires written permission and formal licensing agreements from the copyright holders.<\/p>\n<h2>12. References<\/h2>\n<p>Fischer, J., &amp; Corcoran, K. J. (2007). <em>Measures for clinical practice and research: A sourcebook<\/em> (4th ed., Vol. 1, pp. 299\u2013305). Oxford University Press. <a href=\"https:\/\/doi.org\/10.1093\/acprof:oso\/9780195166651.001.0001\" target=\"_blank\" rel=\"noopener noreferrer\">https:\/\/doi.org\/10.1093\/acprof:oso\/9780195166651.001.0001<\/a><\/p>\n<p>Hill, R. (1949). <em>Families under stress: Adjustment to the crises of war separation and reunion<\/em>. Harper &amp; Brothers.<\/p>\n<p>McCubbin, H. I., Comeau, J. K., &amp; Harkins, J. A. (1981). <em>Family Inventory of Resources for Management (FIRM)<\/em>. Family Stress, Coping and Health Project, University of Wisconsin\u2013Madison.<\/p>\n<p>McCubbin, H. I., &amp; McCubbin, M. A. (1991). Family stress theory and assessment: The Resiliency Model of Family Stress, Adjustment, and Adaptation. In H. I. McCubbin &amp; A. I. Thompson (Eds.), <em>Family assessment inventories for research and practice<\/em> (pp. 294\u2013312). University of Wisconsin\u2013Madison.<\/p>\n<p>McCubbin, H. I., &amp; Patterson, J. M. (1983). The family stress process: The Double ABCX model of adjustment and adaptation. <em>Marriage &amp; Family Review<\/em>, 6(1\u20132), 7\u201337. <a href=\"https:\/\/doi.org\/10.1300\/J002v06n01_02\" target=\"_blank\" rel=\"noopener noreferrer\">https:\/\/doi.org\/10.1300\/J002v06n01_02<\/a><\/p>\n<p>McCubbin, H. I., Thompson, A. I., &amp; McCubbin, M. A. (Eds.). (1996). <em>Family assessment: Resiliency, coping and adaptation\u2014Inventories for research and practice<\/em>. University of Wisconsin System.<\/p>\n<p>Mirsoleymani, S. R., Rohani, C., Matbouei, M., Nasiri, M., &amp; Vasli, P. (2016). Psychometric properties of the Family Inventory of Resources for Management in a sample of Iranian family caregivers of cancer patients. <em>Nursing Research and Practice<\/em>, 2016, Article 1401645. <a href=\"https:\/\/doi.org\/10.1155\/2016\/1401645\" target=\"_blank\" rel=\"noopener noreferrer\">https:\/\/doi.org\/10.1155\/2016\/1401645<\/a><\/p>\n<h2>13. Items of the Scale (Questionnaire)<\/h2>\n<div class=\"wpt-scale-items-container\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:12px; margin:28px 0; overflow:hidden; box-shadow:0 4px 12px rgba(0,0,0,0.03);\">\n<div class=\"wpt-scale-notice\" style=\"direction:ltr; text-align:left; background:#f8fafc; border-bottom:1px solid #e2e8f0; padding:14px 20px; font-size:13.5px; color:#475569; font-weight:500;\">\n    Below are the authentic scale items in their original language as published in the standard psychometric validation studies, without modification or translation to preserve instrument validity and reliability:\n  <\/div>\n<div class=\"wpt-scale-english-box\" style=\"direction:ltr; text-align:left; padding:20px 24px; font-family:-apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Helvetica, Arial, sans-serif; font-size:14.5px; color:#1e293b; line-height:1.7;\">\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">1<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">We have money coming in from our investments\u00a0(such as rental (\u00a0property\u201a stocks\u201a bonds\u201a etc.)<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">2<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">Being physically tired much of the time is a problem\u00a0in our family*<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">3<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">We have to nag each other to get things done.*<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">4<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">We do not have to plan too far ahead because many things turn out to be a matter of good or bad luck anyway.*<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">5<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">Our family is as well adjusted as any family in this world can be.<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">6<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">ha\u200eving only one person in the family earning money is (or would be) a problem in our family.*<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">7<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">It seems that members of our family take each other for granted. *<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">8<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">Sometimes we don\u2019t have enough control over the direction our lives are taking. *<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">9<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">Certain members of our family do all the giving\u201a while others do all the taking. *<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">10<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">We depend almost entirely upon financial support from welfare or other public assistance programs. *<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">11<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">We seem to put off making decisions. *<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">12<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">Family members understand each other completely.<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">13<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">Our family is under a lot of emotional stress.*<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">14<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">Many things seem to interfere with family members being able to share concerns. *<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">15<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">Most of the money decisions are made by only one person in the family. *<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">16<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">There are times when family members do things that make other members unhappy. *<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">17<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">It seems we have more illness (colds\u201a flu\u201a etc.) in our family than most people do. *<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">18<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">In our family some members have many Responsibilities while others do not have enough.*<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">19<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">No one could be happier than our family when we are together.<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">20<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">It is upsetting to our family when things don\u2019t out as planned.*<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">21<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">We depend almost entirely on income from alimony and\/or child support. *<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">22<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">Being sad or \u201cdown\u201d is a problem in our family. *<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">23<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">It is hard to get family members to cooperate with each other. *<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">24<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">If our family has any faults\u201a we are not aware of them.*<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">25<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">We depend almost entirely on social security retirement [Disability] income. *<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">26<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">Many times we feel we have little influence over things that happen to us.*<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">27<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">We have the same problems over and over- we don\u2019t seem to learn from past mistakes. *<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">28<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">One or more working members of our family are presently unemployed. *<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">29<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">There are things at home we need to do that we don\u2019t seem to get done. *<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">30<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">We feel our family is a perfect success.<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">31<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">We own land or property besides our place of residence.<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">32<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">We seem to be so involved with work and\/or school activities that we don\u2019t spend enough time together as a family.* \u00a0<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">33<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">We own (are buying) a home (single family\u201a condominium\u201a town home\u201a etc).<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">34<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">There are times we do not feel a great deal of love and affection for each other. *<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">35<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">If a close relative were ha\u200eving financial problems we feel we could afford to help them out.<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">36<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">Friends seem to enjoy coming to our house for visits.<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">37<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">We feel we have a good retirement income program.<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">38<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">When we make plans we are almost certain we can make them work.<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">39<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">In our family we understand what help we expect from each other.<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">40<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">We seem to have little or no trouble paying bills on time.<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">41<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">Our relatives seem to take from us\u201a but give little in return. *<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">42<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">We would have no problem getting a loan at a bank if we wanted one.<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">43<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">We feel we have enough money on have to cover small unexpected expenses (under $100).<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">44<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">When we face a problem\u201a we look at the good and bad of each possible solution.<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">45<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">The member(s) who earn our family income have good employee benefits (such as paid insurance\u201a stocks\u201a car\u201a education\u201a etc.)<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">46<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">No matter what happens to us\u201a we try to look at the bright side of things.<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">47<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">We feel we are able to get out to eat occasionally without hurting our budget.<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">48<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">We try to keep in touch with our relatives as much as possible.<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">49<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">It seems that we need more life insurance than we have. *<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">50<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">In our family\u201a it is \u2018okay\u2019 for members to show positive feelings about each other.<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">51<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">We feel we are able to make financial contributions to a good cause (needy people\u201a church\u201a etc.)<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">52<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">We seem to be happier with our lives than many families we know.<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">53<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">It is \u2018okay\u2019 for family members to express sadness\u201a by crying\u201a even in front of others.<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">54<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">When we need something that can\u2019t be postponed\u201a we have money in savings to cover it.<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">55<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">We discuss our decisions with other family members before carrying them out.<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">56<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">Our relative(s) are willing to listen to your problems.<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">57<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">We worry about how we would cover a large unexpected bill (for home\u201a auto repairs\u201a for about $100)<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">58<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">We get great satisfaction when we can help one another in our family.<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">59<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">In our family we feel it is important to save for the future.<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">60<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">The working members of our family seem to be respected by their co-workers.<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">61<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">We have written checks knowing there was not enough money in the account to cover it. *<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">62<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">The members of our family respect one another.<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">63<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">We save our extra spending money for special things.<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">64<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">We feel confident that if our main bread winner lost his\/her job (s)he could find another one.<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">65<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">Members of our family are encouraged to have their own interests and abilities.<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">66<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">Our relatives do and say things that make us feel appreciated.<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">67<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">The members of our family are known to be good citizens and neighbors. [The members of our family are encouraged to have their own interests and abilities.]<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">68<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">We make an effort to help our relatives when we can.<\/div>\n<\/div>\n<div class=\"wpt-scale-item-row\" style=\"background:#ffffff; border:1px solid #e2e8f0; border-radius:8px; padding:12px 16px; margin-bottom:10px; display:flex; align-items:flex-start; gap:12px; box-shadow:0 1px 2px rgba(0,0,0,0.02);\">\n  <span style=\"display:inline-flex; align-items:center; justify-content:center; min-width:28px; height:28px; background:#2563eb; color:#ffffff; font-weight:700; font-size:12.5px; border-radius:50%; flex-shrink:0; margin-top:1px;\">69<\/span><\/p>\n<div style=\"flex:1; color:#0f172a; font-size:14.5px; font-weight:500; line-height:1.6;\">We feel we are financially better off now than we were 5 years ago.<\/div>\n<\/div><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>A comprehensive psychometric analysis of the Family Inventory of Resources for Management (FIRM), developed by Hamilton I. McCubbin, Joan K. Comeau, and J. A. Harkins. Explores the theoretical framework of the Double ABCX Model, construct validity, reliability, factor analysis, and all 69 authentic scale items.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","template":"","categories":[117,8632,2],"tags":[20214,1951,18871,20213,9203,21099,6,8638],"class_list":["post-6883","psych_scale","type-psych_scale","status-publish","hentry","category-clinical-assessment","category-family-psychology","category-psychometrics","tag-double-abcx-model","tag-family-assessment","tag-family-resilience","tag-family-stress","tag-financial-well-being","tag-firm","tag-psychometrics","tag-systemic-assessment"],"_links":{"self":[{"href":"https:\/\/ashadocs.org\/index.php?rest_route=\/wp\/v2\/psych_scale\/6883","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ashadocs.org\/index.php?rest_route=\/wp\/v2\/psych_scale"}],"about":[{"href":"https:\/\/ashadocs.org\/index.php?rest_route=\/wp\/v2\/types\/psych_scale"}],"author":[{"embeddable":true,"href":"https:\/\/ashadocs.org\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ashadocs.org\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=6883"}],"version-history":[{"count":0,"href":"https:\/\/ashadocs.org\/index.php?rest_route=\/wp\/v2\/psych_scale\/6883\/revisions"}],"wp:attachment":[{"href":"https:\/\/ashadocs.org\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=6883"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ashadocs.org\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=6883"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ashadocs.org\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=6883"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}