'B 
complete the research questionnaire, 19 from Empire Life and 
170 from Queen's. Thirty-four Queen's employees explicitly 
decided against participating, most giving reasons of work 
load or protection of privacy. All those who agreed to 
participate read and signed a consent form. (See Appendix 
E.) Of the 189 questionnaires released, 132 were returned, 
for a return rate of 70%. However, 12 of those were 
incomplete and could not be used. 
Of the 120 subjects whose responses were included in 
the study, 60 were males, 60 females. The mean age was 37.2 
years (SD = 12.60), with a range from 17 to 67. In terms of 
highest educational achievement, 3.3% had completed primary 
school, 9.2% had had some secondary schooling, 24.2% had 
completed secondary schooling, 20% had completed technical 
school, 13.3% had had some university experience, 12.5% had 
completed a university degree, and 15% reported 
post-graduate schooling. Males were, On average, nine years 
older than the females and had slightly higher educational 
achievement. 
Materials 
The research tool was a 24 page questionnaire 
consisting of four sections and taking approximately 45 
minutes to complete. (See Appendix F for a facsimile of the 
research questionnaire.) The first section on the front