{
  "name": "HES5",
  "label": "Main reason for no account",
  "predicateType": "int",
  "group": "N/A",
  "limit": 0,
  "suggested-weight": "HHSUPWGT",
  "values": {
    "item": {
      "11": "None of the preceeding reasons",
      "1": "Previously had an account but the bank closed it",
      "2": "Can't open an account due to ID, credit, or banking history problems",
      "-9": "No response",
      "5": "Banks do not offer the needed products or services",
      "10": "Other specify",
      "4": "Bank account fees or minimum balance requirements are too high",
      "7": "Do not have enough money",
      "9": "Do not need or want an account",
      "-3": "Refused",
      "-2": "Don't Know",
      "3": "Banks do not have convenient hours or locations",
      "6": "Don't like dealing with and/or don't trust banks",
      "8": "Do not know how to open or manage an account",
      "-1": "Not in Universe"
    }
  }
}