Chart 1: Improved consumer sentiment is partly due to lower levels of financial stress https://www.bankofcanada.ca/?p=243705 Perceiving their financial situation is currently deteriorating Expecting their financial situation to deteriorate over the next 12 months Perceiving access to credit is currently harder Expecting access to credit to be harder over the next 12 months Likelihood of missing a debt payment (median probability) Index of financial health 0.150.150.290.230.211.03 0.140.110.260.270.200.97 0.180.130.260.330.201.10 0.100.000.310.300.200.91 0.020.060.320.370.190.94 -0.040.000.210.210.200.58 0.150.150.340.360.211.22 0.220.240.300.330.211.30 0.160.220.09-0.020.200.65 0.170.270.190.170.200.99 0.270.330.170.080.211.06 0.190.240.110.090.210.84 0.300.290.130.020.210.95 0.130.21-0.04-0.070.200.42 0.110.12-0.05-0.100.140.23 0.160.13-0.05-0.060.160.33 0.160.13-0.08-0.140.090.15 0.120.120.00-0.010.090.32 0.150.08-0.010.000.090.32 0.180.110.080.14-0.040.48 0.120.030.040.060.090.34 0.130.060.070.090.030.39 -0.31-0.40-0.10-0.21-0.01-1.03 -0.09-0.16-0.08-0.10-0.08-0.51 -0.16-0.08-0.09-0.10-0.02-0.45 0.010.06-0.010.10-0.060.10 0.070.08-0.010.040.000.19 0.080.060.050.04-0.170.07 0.060.010.03-0.07-0.16-0.14 -0.02-0.040.01-0.08-0.21-0.34 -0.17-0.23-0.12-0.24-0.21-0.99 -0.28-0.21-0.25-0.27-0.25-1.26 -0.41-0.44-0.33-0.40-0.11-1.69 -0.30-0.30-0.35-0.33-0.24-1.53 -0.25-0.19-0.24-0.19-0.17-1.04 -0.30-0.30-0.32-0.28-0.17-1.38 -0.41-0.35-0.37-0.33-0.33-1.80 -0.21-0.19-0.23-0.14-0.23-1.01 -0.29-0.28-0.28-0.07-0.29-1.21 -0.20-0.10-0.19-0.06-0.26-0.81 -0.09-0.09-0.070.06-0.52-0.71