[Federal Register: February 2, 1996 (Volume 61, Number 23)]
[Notices]
[Page 4069-4130]
From the Federal Register Online via GPO Access [wais.access.gpo.gov]

[[Page 4069]]

_______________________________________________________________________

Part IV

Office of Personnel Management

_______________________________________________________________________

Report on Winter 1995 Surveys Used to Determine Cost-of-Living
Allowances in Alaska; Notice

[[Page 4070]]

OFFICE OF PERSONNEL MANAGEMENT


Report on Winter 1995 Surveys Used to Determine Cost-of-Living
Allowances in Alaska

AGENCY: Office of Personnel Management.

ACTION: Notice.

-----------------------------------------------------------------------

SUMMARY: This notice publishes the ``Report To OPM On Living Costs In
Anchorage, Fairbanks, Juneau, The Rest Of The State Of Alaska, And In
The Washington, DC, Area, November 6, 1995,'' prepared by Jack Faucett
Associates under Government contract OPM-94-BP-3816.

DATES: Comments must be received on or before April 2, 1996.

ADDRESSES: Send or deliver comments to Allan G. Hearne, Salary Systems
Division, Office of Compensation Policy, Human Resources Systems
Service, Office of Personnel Management, Room 6H31, 1900 E Street NW.,
Washington, DC 20415, or FAX to (202) 606-4264.

FOR FURTHER INFORMATION CONTACT: Allan G. Hearne, (202) 606-2838.

SUPPLEMENTARY INFORMATION: Sections 591.205(d) and 591.206(c) of title
5, Code of Federal Regulations, require that nonforeign area cost-of-
living allowance (COLA) survey summaries and calculations be published
in the Federal Register. Accordingly, OPM is publishing the complete
``Report To OPM On Living Costs In Anchorage, Fairbanks, Juneau, The
Rest Of The State Of Alaska, And In The Washington, DC, Area, November
6, 1995,'' produced by Jack Faucett Associates under contract with OPM.
This report explains in detail the methodologies, calculations, and
findings of the winter 1995 living-cost surveys.
    Survey Results. Jack Faucett Associates computed index values of
relative living costs in the allowance areas using an index scale where
the living costs in the Washington, DC, area equal 100. (See the
Executive Summary of the report.) OPM notes that the winter survey
indices showed that the COLA rate for the Rest of the State of Alaska
is currently set at the proper level but that the rates authorized for
all of the other Alaska allowance areas are above levels warranted by
the indices. However, the Treasury, Postal Service and General
Government Appropriations Act, 1992 (Pub. L. 102-141), as amended,
prohibits reductions in COLA rates through December 31, 1998.
Therefore, OPM is not proposing any adjustments in the COLA rates in
these allowance areas at this time.

Office of Personnel Management.
James B. King,
Director.

Table of Contents

Executive Summary

1. Introduction
    1.1  Report Objections
    1.2  Changes in This Year's Survey
    1.2.1  Three-Year CES Moving Average
    1.2.2  New Living Communities
    1.2.3  Historical Housing Data
    1.3  Pricing Period
2. The COLA Model
    2.1  Measurement of Living-Cost Differences
    2.2  Step 1: Identifying the Target Population
    2.2.1  Federal Salaries
    2.2.2  Federal Employment Weights
    2.3  Step 2: Estimating How People Spend Their Money
    2.3.1  Consumer Expenditure Survey (CES)
    2.3.2  Expenditure Categories and Components
    2.4  Step 3: Selecting Items and Outlets
    2.4.1  Item Selections--The Market Basket
    2.4.2  Geographic Coverage and Outlet Selection
    2.4.2.1  Geographic Areas
    2.4.2.2  Similarity of Outlets
    2.4.2.3  Catelog Pricing
    2.5  Step 4: Surveying Prices
    2.5.1  In-House Research Staff
    2.5.2  Field Researchers--``Research Associates''
    2.5.3  Data Collection Materials
    2.5.4  Inclusion of Sales and Excise Taxes
    2.5.5  JFA's Onsite Visits
    2.5.6  Special Considerations in Selection Areas
    2.5.6.1  Surveying the Washington, DC Area
    2.6  Step 5: Analyzing Data and Computing Indexes
    2.6.1  General Formulae
    2.6.1.1  Indexes
    2.6.1.2  Item Weights
    2.6.1.3  Category and Component Weights
    2.6.2  Computing the Overall Index
3. Consumption Goods and Services
    3.1  Categories and Category Weights
    3.2  Goods and Services Data Collection--Special Considerations
    3.2.1  Restaurant Pricing
    3.3  Goods and Services Survey Results
4. Housing
    4.1  Component Overview
    4.2  Housing Model
    4.2.1  Expenditure Research
    4.2.2  House Profiles
    4.2.3  Living Community Selection
    4.2.4  Housing-Related Expenses
    4.2.4.1  Utilities
    4.2.4.2  Real Estate Taxes
    4.2.4.3  Owners/Renters Insurance
    4.2.4.4  Home Maintenance
    4.2.4.5  Telephone
    4.3  Housing Data Collection Procedures
    4.3.1  Homeowner Data Collection
    4.3.2  Renter Data Collection
    4.4  Housing Analysis
    4.4.1  Homeowner Data Analysis
    4.4.2  Rental Data Analysis
    4.5  Housing Survey Results
5. Transportation
    5.1  Component Overview
    5.2  Private Transportation Methodology
    5.2.1  Vehicle Selection and Pricing
    5.2.2  Vehicle Trade Cycle
    5.2.3  Fuel Performance and Type
    5.2.3.1  Impact of Temperature upon Fuel Performance
    5.2.3.2  Impact of Road Surface upon Fuel Performance
    5.2.3.3  Impact of Gradient Upon Fuel Performance
    5.2.3.4  Overall Impact upon Fuel Performance
    5.2.4  Vehicle Maintenance
    5.2.5  Tires
    5.2.6  License and Registration Fees, and Miscellaneous Tax
    5.2.7  Depreciation
    5.2.8  Finance Expense
    5.2.9  Vehicle Insurance
    5.2.10  Overall Annual Costs
    5.3  Other Transportation Costs--Air Fares
    5.4  Transportation Component Analyses
6. Miscellaneous Expenses
    6.1  Component Overview
    6.2  Component Weights
    6.3  Component Categories
    6.3.1  Medical Expense Category
    6.3.2  Contributions Category
    6.3.3  Personal Insurance and Retirement Category
    6.4  Miscellaneous Expense Analyses
7. Final Results
    7.1  Total Comparative Cost Indexes

List of Appendices

Appendix 1: Publication in the Federal Register of Results of
Nonforeign Area Living-Cost Surveys: 1990--1994
Appendix 2: Federal Employment Weights
Appendix 3: Consumer Expenditure Surveys (CES) Item Weights
Appendix 4: CES Category and Component Weights
Appendix 5: Item Descriptions
Appendix 6: Pricing Changes
Appendix 7: OMB-Approved Survey Materials
Appendix 8: Consumption Goods and Services Analysis
Appendix 9: OPM Living Community List
Appendix 10: Historical Home Market Values and Interest Rates
Appendix 11: Historical Housing Data
Appendix 12: Rental Data Analyses
Appendix 13: Housing Cost Analysis
Appendix 14: Housing Analysis
Appendix 15: Private Transportation Cost Analysis
Appendix 16: Air Fares and Other Transportation Expenses Cost
Analysis
Appendix 17: Transportation Analysis
Appendix 18: Miscellaneous Expense Analysis
Appendix 19: Final Indexes

Executive Summary

    This report provides the results of the winter 1995 living-cost
surveys and compares living costs in Alaska nonforeign cost-of-living
allowance

[[Page 4071]]
(COLA) areas relative to the Washington, DC area.
    The surveys and analyses were conducted by Jack Faucett Associates
(JFA), an economics consulting firm located in Bethesda, Maryland, and
its subcontractor, Runzheimer International, a Wisconsin-based firm,
specializing in the collection and analysis of cost-of-living
information. The study was conducted for the Office of Personnel
Management (OPM) under contract OPM-94-BP-3816. The contract requires
JFA to:
    (1) Survey living costs in four allowance areas and in the
Washington, DC area, and
    (2) Compare living costs between the allowance areas and the DC
area.
    For this study, JFA and Runzheimer researched more than 1,000
outlets and gathered more than 5,500 prices on more than 200 items
representing typical consumer purchases. These prices were then
combined using consumer expenditure information developed by the Bureau
of Labor Statistics. The final result of the study is a series of
living-cost indexes, shown in the table below, which show the living-
costs in each of the allowance areas relative to the Washington, DC
area. The index for the DC area (not shown) is 100.00 because it is, by
definition, the reference area.

                Table E-1.--Final Cost Comparison Indexes
------------------------------------------------------------------------
                        Allowance area                            Index
------------------------------------------------------------------------
Anchorage, Alaska.............................................    105.14
Fairbanks, Alaska.............................................    108.64
Juneau, Alaska................................................    108.33
The rest of the State of Alaska...............................    126.19
------------------------------------------------------------------------

    OPM implemented a number of improvements for the winter 1995
survey. These improvements included:

--Using a moving average to introduce new weights based on the results
of the Bureau of Labor Statistics' Consumer Expenditure Surveys;
--Using new representative income levels based on the 1994 distribution
of salaries of Federal employess in the allowance areas;
--Selecting new living communities based on the results of the 1992
Federal Employee Housing and Living Patterns Survey;
--Incorporating historical housing data to reflect both newly purchased
and previously purchased homes;
--Using the median home value in place of trimming and trend analyses
used in previous surveys; and
--Using the Goods and Services index to reflect relative expenditures
for cash contributions.

    These changes as well as the data collection and analysis
procedures already employed in the survey are discussed in the various
sections of this report.

1. Introduction

1.1  Report Objectives

    This comprehensive report culminates data collection and research
work undertaken in winter 1995 as required by Tasks 1 and 2 of contract
OPM-94-BP-3816 between the Office of Personnel Management (OPM) and
Jack Faucett Associates (JFA). This report only provides the results of
the winter 1995 surveys. A listing of earlier reports that provided the
results of previous surveys is shown in Appendix 1.
    The analyses show the comparative living-cost differences between
the Washington, DC area and the following allowance areas:

1. City of Anchorage, Alaska
2. City of Fairbanks, Alaska
3. City of Juneau, Alaska
4. The rest of the State of Alaska

    By law, Washington, DC is the base of ``reference'' area for the
nonforeign area cost-of-living allowance (COLA) program.

1.2  Changes in This Year's Survey

    One of the obvious changes this year was OPM's selection of a new
contractor for living-cost surveys and analyses: JFA. JFA subcontracted
a substantial portion of the work to Runzheimer International, OPM's
previous contractor for the COLA program.
    OPM directed JFA to make several changes to the survey and
analyses. Some of the key changes this year included:

--Using a moving average to introduce new weights based on the results
of the Bureau of Labor Statistics' Consumer Expenditure Surveys (CES);
--Using new representative incomes based on the 1994 distribution of
salaries of Federal employees in the allowance areas;
--Selecting new living communities based on the results of the 1992
Federal Employee Housing and Living Patterns Survey;
--Incorporating historical housing data to reflect both newly purchased
and previously purchased units;
--Using the median home value in place of trimming and trend analyses
used in previous surveys; and
--Using the Goods and Services index to reflect relative expenditures
for cash contributions.

    Three of these changes are discussed further below. The other
changes are discussed where applicable in the report.
1.2.1  Three-Year CES Moving Average
    One change was the introduction of a three-year moving average of
CES data in calculating the weights used to combine price indexes. In
prior years, expenditure weights were based on the 1988 CES, and OPM
wanted to use more current CES information.
    Rather than simply replacing the 1988 CES data with the most recent
(1992) CES data, OPM implemented a system that would allow the gradual
introduction of new CES data over time, thereby reducing the impact
that short-term changes in CES might have on the living-cost indexes.
In future surveys, OPM plans to include current CES information and
drop the oldest CES data to maintain a three-year moving average.
Appendices 3 and 4 show the CES data used in this study.
1.2.2  New Living Communities
    Another change was the selection of new living communities based on
the results of the 1992 Federal Employee Housing and Living Patterns
Survey. In that survey, employees were asked to provide their
residential zip codes. OPM used this information to refine community
selection.
    Two types of changes were made. In areas with relatively large
concentrations of Federal employees and sufficient housing data, OPM
selected communities to reflect the areas where Federal employees
typically lived.
    The updated list of communities is provided in Appendix 9. These
are the communities in which house sales and rental rates were
collected. The communities were also used to determine the normal
shopping radius and the outlets at which price were collected.
1.2.3  Historical Housing Data
    A third change was the incorporation of historical housing data to
reflect not only the prices paid for recent home purchases but also for
homes purchased in prior years. Appendix 10 shows the home market
values, interest rates, and annual principal and interest payments for
each area by year and income level. Appendix 11 shows how the principal
and interest payments were combined using weights based on the percent
of Federal employees presumed to have purchased their homes in each
given year. The weights were derived from the results of the 1992
Federal Employee Housing and Living Patterns Survey.

[[Page 4072]]

1.3  Pricing Period

    The prices were collected in the allowance areas and in the
Washington, DC area in February 1995. As with the previous surveys, the
prices of some items--those dependent upon the pricing of other items--
were collected slightly later (i.e., in March and April 1995) In
addition, individual item prices not meeting OPM's quality control
procedures were resurveyed in April and used to verify or replace the
original prices.
    As done in previous surveys, JFA included some catalog sales in its
survey. Only catalogs that sell merchandise in both the allowance areas
and the Washington, D.C. area, were used. To ensure consistent seasonal
catalog pricing, JFA used winter catalogs for the catalog items
surveyed.

2. The COLA Model

2.1  Measurement of Living-Cost Differences

    A common and widely accepted way to measure living-cost differences
between and among locations is to select representative items that
people purchase in these locations and to calculate the respective cost
differences, combining them according to their importance to each other
(as measured by relative percentage of expenditures). The COLA model
applies this methodology to compare the living costs in each of the
allowance areas with the living costs in Washington, DC area.
    Moving from this basic concept to computing comparative living
costs between each allowance area and the Washington, DC area involves
five main steps:
    Step 1: Identify the segment of the population for which the
analysis is targeted (i.e., the target population).
    Step 2: Estimate how these people spend their money.
    Step 3: Select items to represent the types of expenditures people
usually make and outlets at which people typically make purchases.
    Step 4: Conduct pricing surveys of the selected items in each area.
    Step 5: Analyze cost ratios for the selected items and aggregate
them according to the relative importance of each item.

2.2  Step 1: Identifying the Target Population

    The study estimates living-cost differences for nonmilitary Federal
employees who have annual base salaries between approximately $12,000
and $87,000, the range of the General Schedule. Because living costs
may vary depending on an employee's income level, living costs are
analyzed at three income levels.
2.2.1  Federal Salaries
    To determine the appropriate income levels, OPM analyzed the 1994
distribution of salaries for all General Schedule employees in all of
the allowance areas combined. OPM divided this distribution into three
groups of equal size and identified the median salary in each of the
groups. These values were then rounded to the nearest $100 to produce
the three representative income levels of $20,800, $31,500, and
$48,300.
    The study analyzes living costs at each of these three income
levels. The results are three sets of estimated expenditures for each
allowance area and for the Washington, DC area. To combine these
estimated expenditures into a single overall index for the area, JFA
used employment weights provided by OPM.
2.2.2  Federal Employment Weights
    As with the income levels, the OPM employment weights were derived
from the distribution of General Schedule employees by salary level.
Using the salary parameters identified in the income analysis described
above, OPM determined the number of General Schedule employees in each
salary group in each allowance area. Using a moving average similar to
that used with the CES data (see section 1.2.1), OPM combined these
data with the same type of information for the previous two years and
calculated the percent of the General Schedule workforce in each income
group in each area. These percentages were the weights that JFA used.
Appendix 2 shows the General Schedule employment distribution and how
the percentage weights were derived.

2.3  Step 2: Estimating How People Spend Their Money

2.3.1.  Consumer Expenditure Survey (CES)
    Expenditure patterns for employees for all areas, including the
Washington, D.C. area, are based on national data from the CES. OPM
obtained from the Bureau of Labor Statistics ``prepublished'' CES
results for 1988, 1991, 1992. As discussed in section 1.2.1, these
three years of CES data were combined using a moving average.
    CES data are used in two ways: to identify appropriate items for
the survey and to derive item, category, and component weights. The
item weights are not income-sensitive. However, aggregated CES data are
analyzed by income level to derive category and component weights.
These weights are income-sensitive. The CES data used in this study are
shown in Appendix 3 and 4.
    The Bureau of Labor Statistics has advised OPM that
``prepublished'' CES data may not be statistically significant. To
OPM's knowledge, however, it is the only source of comprehensive
consumer expenditure information by income level. Therefore, it is used
in the model.
2.3.2  Expenditure Categories and Components
    The CES groupings expenses into small, logical families of items.
For example, the report divided money spent by families on beef into
four groups: ground beef, roast, steak and other beef. The steak and
roast groupings were further separated into smaller clusters of items
(e.g., sirloin and round steak, chuck and round roast).
    Using the CES data, the items were sorted into the four main cost
components specified in OPM regulations: Consumption Goods and
Services, Transportation, Housing, and Miscellaneous Expenses. To
develop weighting patterns for the three income levels, JFA performed
linear regression analyses on the CES data shown in Appendix 3.\1\
These analyses produced estimated expenditures at the three income
levels identified in section 2.2.1 above. JFA converted these
expenditures to percentages of total expenditures for the four
components to produce the values shown in the table below. The values
were the weights JFA used to combine the expenditures for each of the
components into an overall value for each income level in each
allowance area and the Washington, DC area.

    \1\ The midpoint of the moving average of CES data was 1991.
Therefore, for the purposes of these regressions, OPM provided
adjusted Federal salaries to reflect 1991 pay rates. OPM used the
pay increases for 1992 (4.2%), 1993 (3.7%), and 1994 (0.0%) to
deflate the 1994 salaries. This produced adjusted Federal salaries
of $19,250, $29,150, and $44,700 for use in the regression
equations.

[[Page 4073]]

                   Table 2-1.--Component Expenses Expressed as a Percentage of Total Expenses
----------------------------------------------------------------------------------------------------------------
                                    Income     Goods and
       Income level 1994          level 1991    services     Housing    Transportation     Misc.        Total
                                   adjusted    (percent)    (percent)      (percent)     (percent)    (percent)
----------------------------------------------------------------------------------------------------------------
$20,800........................      $19,250        40.10        25.01          18.93         15.96       100.00
31,500.........................       29,150        39.47        23.98          18.66         17.88       100.00
48,300.........................       44,700        38.87        23.01          18.41         19.71       100.00
----------------------------------------------------------------------------------------------------------------
(Values may not total because of rounding.)

    Goods and services items were further sorted into ten categories
and linear regression techniques were used to estimate expenditures on
these ten categories by income level. The weights for these categories
are shown in section 3.1. The same technique was also used to compute
category weights for the Transportation and Miscellaneous Components
and to produce ratios of renters to homeowners at each income level.

2.4  Step 3: Selecting Items and Outlets

2.4.1  Item Selections--The Market Basket
    As noted above, CES items were grouped into ``clusters'' of
expenses to determine which items to survey. These clusters were chosen
so that no market basket item would have overwhelmingly large or
insignificantly small item weight.
    For each of these clusters, a set of items to price was identified.
Collectively, these items are called a ``market basket.'' Because it
would have been impractical to survey all of the thousands of items
consumers might buy, the market basket contains representative items,
such as cheddar cheese, that represents itself and the many other
related items that consumers purchase (e.g., Edam, Gouda, Jack, Swiss,
et cetera). JFA's market basket had more than 200 items ranging from
table salt to new cars to home purchases.
    The items selected were representative of other similar items,
commonly purchased, and readily available in all areas. For example, a
10.5-ounce can of Campbell's vegetable soup was selected for the survey
because it is representative of canned and packaged soups, is a
commonly-purchased brand, and is found in all areas. Whenever
practical, the item description included the exact brand, model, type,
and size, so that exactly the same items could be priced in all areas
if possible. Appendix 5 provides a list of the items surveyed and their
descriptions.
    Changes to the item list and descriptions are an important aspect
of the COLA survey. These changes are necessary to improve the survey
and keep the items' descriptions current. For this survey, JFA changed
several of the items or descriptions. The changes and the reasons for
each are listed in Appendix 6.
2.4.2  Geographic Coverage and Outlet Selection
    Just as it was important to select commonly-purchased items and
survey the same items in all areas, it was important to select outlets
frequented by consumers and find equivalent outlets in all areas. This
involved deciding which geographic areas to survey and which outlets to
survey within these geographic areas.
2.4.2.1  Geographic Areas
    For some areas, the choice of which area(s) to survey was obvious.
In Nome, for example, the whole city is surveyed because Nome is a
relatively small city and Federal employees live throughout the city.
    For other areas, specific communities had to be identified. To do
this, OPM used the results of the 1992 Federal Employee Housing and
Living Patterns Survey. Among other things, that survey obtained
information on where Federal employees lived. OPM used this information
to select the communities in which housing costs would be priced. JFA
then identified outlets within a normal shopping radius of these
housing communities.
2.4.2.2  Similarity of Outlets
    Whenever possible, JFA selected popular outlets that were
comparable to outlets in all areas. For example, JFA surveyed the price
of grocery items at supermarkets in all areas because most people
purchase their groceries at such stories and because supermarkets are
found in all areas.\2\ The selection of comparable outlets was
particularly important because comparing the prices of items purchased
at dissimilar outlets would be inappropriate (e.g., comparing the price
of a box of cereal at a supermarket with one sold at a convenience
store).

    \2\ In the Washington, DC, area, JFA surveyed groceries at two
kinds of supermarkets (i.e., full-service supermarkets and
``warehouse-type'' supermarkets) because both types of grocery
stores are common in this area. JFA did not survey ``warehouse-
type'' grocery stores in any other area because they are relatively
uncommon and not frequented by most Federal employees.
---------------------------------------------------------------------------

    Although major supermarkets, department stores, and discount stores
represented a sizable portions of the survey, JFA also selected outlets
to represent the diversity of consumer shopping. For example, JFA could
have used department stores for pricing all clothing items surveyed.
This would not have reflected, however, the range of consumer choices.
Therefore, JFA also priced some clothing items in men's and women's
clothing stores, other clothing items in department stores, others in
shoe stores, and still others in discount stores. For each item, the
same type of outlet (e.g., clothing store, discount store, department
store) was selected in each area whenever possible.
2.4.2.3  Catalog Pricing
    A limited amount of catalog pricing was included in the survey to
reflect this common purchasing option. Eight item prices were surveyed
by catalog. OPM selected these items based on comments it received from
Federal employees. Catalog pricing also allowed the comparison of
comparable items that would have been difficult to price otherwise. Of
course, all catalog prices included any charges for shipping and
handling and all applicable taxes.

2.5  Step 4: Surveying Prices

    As noted earlier, JFA obtained approximately 5,500 prices on more
than 200 items from 1,000 outlets. In each survey area, JFA attempted
to get at least three price quotes for each item, with certain
exceptions. For example, essentially all of the available home sales
and rental data meeting the specifications were obtained. For other
items, such as utilities and real estate tax rates, only one quote was
obtained in each area because these items have uniform rates within an
area. Because the Washington, DC area has six survey communities, JFA
attempted to get at least 18 price quotes for most items in this area.

[[Page 4074]]

    To accomplish this, JFA used various information-gathering
approaches. These are described below.
2.5.1  In-House Research Staff
    JFA's research personnel, and those of Runzheimer, its
subcontractor, played a major role in all data-collection activities.
These professionals:

--Contacted manufacturers, trade associations, governmental agencies,
and retail establishments to ensure that suitable items were selected
and priced at common types of outlets;
--Contacted real estate professionals in each survey area to obtain
general information as well as specific rental rates and home market
values;
--Conducted pricing surveys, onsite and by telephone;
--Served as a liaison for field researchers who collected price
information onsite;
--Performed hundreds of quality control checks, often verifying survey
data through telephone calls and comparing current data-gathering
results with those from earlier surveys; and
--Analyzed and computed the item, category, component, and total
comparative cost indexes.
2.5.2  Field Researchers--``Research Associates''
    Most of the price data were collected onsite by Research Associates
(RA's). The RA's were independent contractors, hired by JFA to visit
retail outlets in each area and collect prices. All of these RA's were
residents of the area. To avoid any real or perceived conflicts of
interest, JFA refrained from hiring research associates who were either
employees of the Federal government or who had immediate family who
were employees of the Federal government.
2.5.3  Data Collection Materials
    The living-cost surveys conform with the provisions of the
Paperwork Reduction Act and are approved by the Office of Management
and Budget (OMB). The OMB-approved survey collection materials are
found in Appendix 7. All JFA-developed worksheets or other survey
materials conformed with those approved by OMB.
2.5.4  Inclusion of Sales and Excise Taxes
    For all items subject to sales and/or excise tax, the appropriate
amount of tax was added prior to analysis. JFA gathered applicable
information on taxes by contacting appropriate sources of information
in the allowance areas and the Washington, DC area. JFA also used
appropriate tax publications, such as the State of Maryland's Sales and
Use Tax Laws and Regulations and the ``Uniform Sales Tax'' (Ordinance
Section 69.05) of the City and Borough of Juneau.
2.5.5  JFA's Onsite Visits
    Full-time JFA research professionals traveled to each allowance
area to supervise data collection activities and perform various
quality control checks as necessary. These visits all occurred during
the pricing period so that these professionals could answer any of the
RA's data collection questions or provide additional training and
instruction if necessary.
    The researchers visited living communities within the allowance
areas to look at housing and to talk with local real estate
professionals. They also visited numerous retail outlets to verify that
comparable items were being priced at comparable outlets. In addition,
they obtained general information about the local economy.
2.5.6  Special Considerations in Selected Areas
2.5.6.1  Surveying the Washington, DC Area
    As noted earlier, JFA attempted to get more price quotes in the DC
area than in the allowance areas because of the size and diversity of
the Washington metropolitan area. For the purposes of the COLA surveys,
the DC area was divided into six survey areas: two in the District of
Columbia, two in Maryland, and two in Virginia. The specific areas
surveyed were within a normal shopping radius of the housing
communities identified in Appendix 9. Survey data from each of the six
DC survey areas were combined using equal weights.

2.6  Step 5: Analyzing Data and Computing Indexes

2.6.1  General Formulae
2.6.1.1  Indexes
    Nonforeign area COLAs are derived from the living-cost indexes.
These indexes are mathematical comparisons of living costs in the
allowance areas compared with living costs in the Washington, DC area.
    At the most fundamental level, an index is a way to state the
difference between two prices (or sets of prices). For example, if a
can of green beans costs $1.00 in the allowance area and 80 cents in
the DC area, green beans are 25 percent more expensive in the allowance
area than in DC. That difference can also be stated as a price index of
125.
2.6.1.2  Item Weights
    JFA computed indexes for hundreds of items. To combine these
indexes, JFA used weights derived from the CES. These weights reflected
the relative amount consumers normally spend on different items. For
example, the price of a can of green beans has a lower weight than the
price of a pound of apples because, according to the CES, people
generally spend less on green beans than on apples.
    The COLA model uses a fixed-weight indexing methodology. This means
that the same expenditure weights are used in the reference area (i.e.,
the DC area) and in the allowance areas. The weights used are based on
the expenditure patterns of consumers nationwide as reported by the
CES. This is the only source, of which OPM is aware, that provides
expenditure information by income level.
2.6.1.3  Category and Component Weights
    As described in section 2.3.2, JFA also computed income sensitive
category and component weights. This allowed the combination of item
prices in a manner that reflected the different spending patterns of
people at different income levels. How this was accomplished, differed
among the components.
    For the Goods and Services and Miscellaneous Expense components,
JFA simply combined indexes within each category using the CES weights
to derive an overall index for the category. The category indexes were
then combined into an overall component index using the income-
sensitive category weights described above.
    For the Transportation and Housing Components, JFA used the above
approach in combination with a cost-build-up approach. For example, for
each area the annual cost of owning and operating an automobile was
computed by taking individual prices (e.g., automobile financing,
insurance, gas and oil, and maintenance) and computing an overall
dollar cost for each area. These costs were compared with those in the
DC area to compute the Private Transportation Category index. This
index was then combined with the Other Transportation Category index
using income sensitive category weights to compute an overall
Transportation Component index for each area.
2.6.2  Computing the Overall Index
    The item, category, and component indexes were combined using the
process prescribed in Section

[[Page 4075]]
591.205(c), title 5, Code of Federal Regulations. That is a five-step
process that involves converting the indexes to dollar values and
weighting these, combining them, and comparing them to compute a final
weighted-average index. The process is described below.
    First, JFA used the CES data and the income ranges described in
section 2.2.1 to determine the quantity of money consumers typically
spend on each component at each income level. These amounts appear in
the table below and in Appendix 19. They were derived by taking the
component weights shown in Table 2-1 times the representative income
levels described in section 2.2.1.

                     Table 2-2.--Typical Consumer Expenditures by Income Level and Component
----------------------------------------------------------------------------------------------------------------
                                               Goods and
                Income level                    services     Own/rent   Transportation     Misc.        Total
----------------------------------------------------------------------------------------------------------------
Lower.......................................       $8,341       $5,202         $3,938        $3,320      $20,800
Middle......................................       12,433        7,555          5,879         5,634       31,500
Upper.......................................       18,775       11,114          8,892         9,520       48,300
----------------------------------------------------------------------------------------------------------------
(Note: Values may not total because of rounding.)

    Second, for each allowance area, JFA multiplied the dollar values
above by the component indexes for the allowance area. Because the
housing component consisted of two indexes (one for owners and another
for renters), two sets of total relative costs were produced--one for
owners and another for renters.
    Third, for each allowance area and income level, JFA combined the
total relative costs for owners and renters using as weights the
proportion of owners and renters as identified in the CES. (See section
4.2.1.) This produced an overall expenditure dollar amount for each
income level in each allowance area.
    Fourth, JFA computed a single overall average expenditure for each
allowance area by combining the income level expenditures and using the
allowance area General Schedule employment distribution as weights.
This produced a single overall dollar expenditure value for the
allowance area. Using the same General Schedule employment weights, JFA
also computed a single overall dollar expenditure value for the DC
area.
    The final step was to divide the overall average dollar expenditure
for the allowance area by the overall average dollar expenditure for
the DC area to compute a final index. These indexes are shown in the
last section of this report and in Appendix 19.

3. Consumption Goods and Services

3.1  Categories and Category Weights

    Based on the CES data, JFA identified ten categories of expenses
within the Goods and Services Component. Using linear regression
analyses and the CES data, JFA identified the portion of total Goods
and Services expenditures that the typical consumer spends in each
category at various income levels. The categories and the relative
expenditures are shown in the table below:

   Table 3-1.--Category Weights Expressed as a Percentage of Goods and
                  Services Expenditures by Income Level
------------------------------------------------------------------------
                                               Income levels
             Category             --------------------------------------
                                      Lower        Middle       Upper
------------------------------------------------------------------------
Food at Home.....................        26.40        23.49        20.65
Food Away from Home..............        14.42        14.73        15.04
Tobacco..........................         3.15         2.59         2.05
Alcohol..........................         2.77         2.73         2.69
Furnishings and Hsld. Op.........        14.71        15.79        16.85
Clothing.........................        13.97        14.65        15.30
Domestic Service.................         1.76         1.90         2.04
Professional Services............         6.48         6.65         6.82
Personal Care....................         3.62         3.52         3.43
Recreation.......................        12.72        13.94        15.14
                                  --------------------------------------
      Totals.....................       100.00       100.00       100.00
------------------------------------------------------------------------
(Note: Values may not total because of rounding.)

3.2  Goods and Services Data Collection--Special Considerations

3.2.1  Restaurant Pricing
    To ensure comparison of prices at comparable restaurants among
areas, OPM asked JFA to survey only three restaurant chains: Dennys,
Sizzler, and Pizza Hut (or their equivalents). This allowed for the
comparison of meal prices at a comparable mix of restaurants in all
areas.

3.3  Goods and Services Survey Results

    Section 2.6 of this report provides a detailed explanation of the
economic model used to analyze the price data. As it applies to Goods
and Services, the approach involved comparing the average prices of
market basket items in each allowance area with those in the
Washington, DC area. The resulting price ratios were aggregated into
subcategory and then category indexes using the moving-average
expenditure weights derived from the CES data.
    Appendix 8 shows for each allowance area ten category indexes, the
weights used at each of the three income levels, and the overall Goods
and Services indexes. The Washington, DC area is not shown because it
is, by definition, the reference area. Therefore, the DC indexes are
100.

[[Page 4076]]

4. Housing

4.1  Component Overview

    The Housing component consists of expenses related to owning or
renting a dwelling. These are--

--Mortgage or rent payments,
--Utilities,
--Real estate taxes,
--Homeowner's or renter's insurance,
--Home maintenance, and
--Telephone.

    At each of the three income levels, JFA measured separately the
annual housing costs for homeowners and renters. The results were then
combined using as weights the percentages of owners and renters
reported by the CES.

4.2  Housing Model

4.2.1  Expenditure Research
    The CES was used to determine the national average ratio of
families who own, as opposed to renting, their residences. Using the
expense data by income range as input into a linear regression
analysis, JFA calculated the owner and rent weights shown below. JFA
excluded expenditure data for home owning families without a mortgage
because they were not typical of homeowners in the base area or in the
allowance areas.

                    Table 4-1.--Owner/Renter Weights
------------------------------------------------------------------------
                                               Income levels
                                  --------------------------------------
             Category                 Lower        Middle       Upper
                                    (percent)    (percent)    (percent)
------------------------------------------------------------------------
Homeowner with mortgage..........        38.41        47.46        61.67
Renter...........................        61.59        52.54        38.33
                                  --------------------------------------
      Totals.....................       100.00       100.00       100.00
------------------------------------------------------------------------

    The CES data were also used to identify which home-maintenance
items to price and to establish the relative importance of those items.
4.2.2  Housing Profiles
    To compare housing costs in all locations, six typical housing
profiles are used and are assigned to the three income levels, as shown
in the table below. OPM requested that at least one criterion for the
owner profile be the square footage of the home and at least one
criterion for the renter profile be the number of bedrooms in the
rental unit.

                                          Table 4-2.--Housing Profiles
----------------------------------------------------------------------------------------------------------------
            Income level                         Renter profile                         Owner profile
----------------------------------------------------------------------------------------------------------------
Lower..............................  3 rooms, 1 BR, 1 bath, 600 sq. ft.     4 rooms, 2 BR, 1 bath, 900 sq. ft.
                                      apartment.                             condo or detached house.
Middle.............................  4 rooms, 2 BR, 1 bath, 900 sq. ft.     5 rooms, 3 BR, 1 bath, 1,300 sq. ft.
                                      apartment.                             detached house (rowhouse in NE DC).
Upper..............................  4 rooms, 2 BR, 2 baths, 1,100 sq. ft.  7 rooms, 3 BR, 2 baths, 1,700 sq.
                                      townhouse or detached house.           ft. detached house.
----------------------------------------------------------------------------------------------------------------

    The home sizes stated above are the representative sizes used for
certain calculations in the model. They are not, however, the only size
surveyed for each profile. For rentals, JFA obtained rental rates on
any unit, regardless of its size, that otherwise met the profile
characteristics. For home sales, JFA obtained the prices of homes
within size range and otherwise meeting the profile specifications. The
size ranges are shown below:

                     Table 4-3.--Home Sizes Surveyed
------------------------------------------------------------------------
           Income level                             Range
------------------------------------------------------------------------
Lower.............................  600 to 1,200 sq. ft.
Middle............................  1,000 to 1,600 sq. ft.
Upper.............................  1,400 to 2,300 sq. ft.
------------------------------------------------------------------------

    It should be noted that although the size ranges overlap, no home
sale observation could be used at more than one income level.
Application of the other criteria (i.e., number and type of rooms)
ensured that each observation was assigned to the appropriate income
level even though its size was common to two income levels.
4.2.3  Living Community Selection
    As discussed briefly in sections 1.2.2 and 2.4.2.1, OPM identified
the living communities to be surveyed based on the results of the 1992
Federal Employee Housing and Living Patterns Survey. This resulted in
many survey community changes in both the allowance areas and in the
Washington, DC area. The communities surveyed are identified in
Appendix 9.
    As with previous surveys, nine homeowner and nine renter
communities were identified for the Washington, DC area--one for each
income level in each of the three areas (DC, Maryland, and Virginia).
In the allowance areas, up to three homeowner and three renter
communities were identified--one for each income level.
    The three-community owner/renter goal was not achievable in many of
allowance areas due to the relatively few home sales and rental
opportunities in these areas. In such areas, OPM directed JFA to
collect prices for the entire survey area or allowance area rather than
in specific communities. This was done in Fairbanks, Juneau, and Nome.
In these areas, all home sales and/or rental rates meeting the housing
profile characteristics for the particular income group were included
in the analysis.
4.2.4  Housing-Related Expenses
    Based on the CES data, housing-related expense items are
categorized into one of five groups in the COLA model. These groups
are--

--Utilities,
--Real estate taxes,
--Owners/renters insurance,
--Maintenance, and
--Telephone.
4.2.4.1  Utilities
    Electricity, oil, gas, water, and sewer are the utilities used in
the model. Most

[[Page 4077]]
utility companies are able to provide current charges per unit of
consumption and average consumption patterns for all households. The
companies were not, however, able to provide separate consumption
patterns by the size or type of housing.
    Because many utility costs vary by size of house, a factor is
needed to derive the utility rates at each of the home profiles. The
table below shows the standard square foot sizes and utility factors
used for each home profile. The factors are calculated by assuming that
utility use increases or decreases at half the rate that square footage
increases or decreases.

                       Table 4-4.--Utility Factors
------------------------------------------------------------------------
                                       Renter profile     Owner profile
            Income level             -----------------------------------
                                      Sq. ft.   Factor  Sq. ft.   Factor
------------------------------------------------------------------------
Lower...............................      600      .73      900      .85
Middle..............................      900      .85    1,300     1.00
Upper...............................    1,100      .92    1,700     1.15
------------------------------------------------------------------------

    In each area, JFA obtained the price of each of the types of
utilities noted above. JFA used average annual consumption per
household information gathered from utility companies serving each area
to compute average annual utility costs. The above factors were then
used to adjust the total annual utility costs for each of the various
housing profiles.
4.2.4.2  Real Estate Taxes
    For this study, JFA contacted the city assessors in each allowance
area and in the Washington, DC area to obtain real estate tax
information on the living communities surveyed. Real estate tax
formulas were obtained for all living communities and applied to the
home values, for each income level, resulting from the homeowner data
analysis discussed in section 4.4.1.
4.2.4.3  Owners/Renters Insurance
    Homeowners' insurance rates are gathered for each of the survey
areas for both renter and owner profiles. For renters, the following
estimated content values were used: $20,000 at the lower and middle
income levels and $30,000 at the upper income level.
    For homeowners, the cost of insurance was dependent on the average
home values calculated as part of this survey. In all areas, it was
assumed that the structure was equal to 80 percent of the total home
value.
    Previous research, conducted by Runzheimer International for OPM,
found that insurance coverage for disasters, such as floods and
earthquakes, were not widely purchased in the allowance areas.
Therefore, the COLA model does not include these additional riders.
(See Report to OPM on Living Costs in Selected NonForeign Areas and in
the Washington, DC Area, June 1992 at 57 FR 58556).
    A comparison of homeowner insurance data previously collected for
the Alaska areas with the premiums collected for this survey, showed
several inconsistencies. For example, premiums for all income levels
for Anchorage, Fairbanks and Nome were significantly lower, even in
areas where the home market values had increased. In Juneau, the
insurance data was significantly higher than premiums collected for the
previous survey. Because of these inconsistencies and the refusal of
most outlets contacted to participate in the survey, the insurance data
collected in the Alaska allowance areas for the previous survey,
adjusted for inflation, were used for the homeowner and renter
insurance portion of the housing-related expenses analysis. The
previously published data in 59 FR 45066 was adjusted by the annual
rate of change in the Consumer Price Index for All Urban Consumers
(CPI-U) for homeowner's insurance, 3.3%, and renter's insurance, 3.6%,
as reported in the Bureau of Labor Statistics' CPI Detailed Report Data
for July 1995.
4.2.4.4  Home Maintenance
    Estimated home maintenance expense was computed for each of the
homeowner profiles. Maintenance costs were not added in the three
renter profiles because most, if not all, maintenance expenses are
covered by the landlord.
    As done in previous surveys, JFA priced both home maintenance
services as well as home maintenance commodities, using the CES
information to identify items to price and the weights associated with
these items. The maintenance service items priced were interior
painting, plumbing repair, electrical repair, and pest control. In the
Nome area, however, pest control was not priced because local sources
indicated it is not necessary. The maintenance commodities priced were
bathroom caulking, a kitchen faucet set, an electrical outlet, latex
interior paint, and a fire extinguisher.
    To compute home maintenance cost differences between each allowance
area and the Washington, DC area for the homeowner profiles, an index
was computed for each maintenance item by comparing the allowance area
price to the DC area price. As with the Goods and Services Component
items, the CES data were used to weight these maintenance indexes into
an overall home maintenance index for each area.
    To combine the maintenance indexes with the other homeowner costs,
which were expressed in dollar amounts, JFA converted the indexes to
dollars by multiplying the index for each area by the average
maintenance expense reported in the CES. This cost was assigned to the
middle-income homeowner profile.
    Logically, maintenance costs for larger homes would generally be
greater than costs for middle-sized homes, while costs for smaller
homes would generally be less. Therefore, the same homeowner
multipliers used in the utilities model for the lower and upper income
profiles (.85 and 1.15 respectively) are applied to recognize
differences in maintenance costs due to house size.
4.2.4.5  Telephone
    Telephone expense consisted of local service charges, additional
charges for local calls (if applicable), and charges for long distance
calls. To measure estimated expenses for local service and local calls,
JFA surveyed the cost of touch-tone service with unlimited calling in
each area.
    To estimate long distance charges in all areas, JFA surveyed the
cost of three, ten-minute direct dial calls per month to large U.S.
mainland cities (i.e., Los Angeles, Chicago, and New York City). JFA
measured the price of a call placed in the survey area at the time of
day necessary to be received in the respective city at 8 p.m. local
time. In many areas, this resulted in pricing a combination of daytime
and evening-rate calls.

4.3  Housing Data Collection Procedures

    As done in previous years, JFA collected housing information mainly
from real estate professionals, various listing services, and
advertisements. In addition, JFA personnel traveled to each of the
surveyed communities to assess the compatibility of the housing
community with the income level for which the data were used and to
ensure that homes in these communities were comparable to those in the
Washington, DC area.
4.3.1  Homeowner Data Collection
    JFA obtained selling prices of homes that matched the housing
profiles in each living community. JFA obtained as many of these
selling prices as possible for sales that occurred during the 6-month
period prior to the date of the survey.
    The amount of data obtained depended on the number of home sales

[[Page 4078]]
    in the community and the availability of square footage and other
housing profile information. This in turn depended on the size of the
community, economic conditions, quality and quantity of the realty data
available, and the willingness and ability of local realty
professionals and assessor offices to provide data.
    If sales data obtained from the preliminary data sources did not
meet specified contract minimums, JFA contacted additional data sources
in the area to attempt to secure more sales data, if practical. In this
manner, either all were or a sizeable portion of the home sales in each
area was surveyed.
4.3.2  Renter Data Collection
    Rental data also were obtained from a variety of sources, e.g.,
brokers, rental management firms, property managers, newspaper
advertisements, and other listings. Analyses of these data revealed
what appeared to be two separate rental markets: a broker market and a
non-broker market. Rental rates and estimates provided by brokers
generally exceeded those obtained from other sources. The methodology
used to analyze these two data sets is discussed in section 4.4.2.

4.4  Housing Analysis

4.4.1  Homeowner Data Analysis
    One of the most important factors relating to the price of a home
is the number of square feet of living space. In the past, OPM directed
the contractor to rank housing data high to low and trim equal numbers
of observations from both ends of the data. The average of the
remaining values was then used. This year, OPM changed the methodology
and used the median home value rather than trimming and averaging. The
median is the middle value in a rank-ordered set of observations. The
purpose of either approach is to reduce the volatility of the housing
data from one survey to the next because a relatively few extremely
high or low home prices could significantly influence average housing
costs.
    For each income profile in each allowance area and the Washington,
DC area, JFA computed the median price per square foot for the
comparables. This value was then multiplied by the reference square
footage for the profile to determine the average home value for the
profile.
    Another change that OPM made this year was to ask JFA to use
historical housing data in addition to data collected this year. These
data are found in Appendix 10 of this report. The historical data are
from previous living-cost surveys that were published in the Federal
Register beginning with the 1990 report. (See Appendix 1 for a listing
of these publications). The data for the period prior to 1990 were
published with the results of the 1991-1992 living cost surveys at 57
FR 58618. All housing values are based on the community selections and
analytical methodologies used at the time of each respective survey.
    The historical housing data used were estimated annual principal
plus interest payments by income level in each area. To combine these
data, OPM supplied JFA with weights that were derived from the 1992
Federal Employee Housing and Living Patterns Survey. These weights
reflect the proportion of Federal employee homeowners by year of
purchase or acquisition in all allowance areas and in the Washington,
DC area. The historical housing weights and analyses are shown in
Appendix 11.
4.4.2  Rental Data Analysis
    JFA assigned each rental quote data point to a single income level,
based on the following criteria:

--One bedroom apartments: Lower Income Level,
--Two bedroom apartments: Middle Income Level, and
--Townhouses and detached houses with a minimum of two bedrooms: Upper
Income Level.

    As discussed earlier, there were essentially two sources of rental
information: broker and non-broker sources. In each area, the quantity
of data obtained from either source-type varied significantly.
Therefore, analyzing all of the rental data (both broker and non-
broker) together for an area and income level was undesirable.
    Instead, OPM instructed JFA to analyze broker and non-broker data
separately by income level. As with the housing data analyses, OPM
changed from the use of trimming and averaging to the use of the
median. Therefore, for each income level, JFA separately ranked rental
rates from low to high for broker and non-broker data. The median
values for broker and non-broker data for each group were determined
and then averaged to compute a single rental value for each income
level. Because OPM has no information on how the Federal employees who
rent generally secure their lodgings, OPM requested that JFA apply
equal weights to the broker and non-broker data to compute an overall
average rental rate for the area and income level. The broker and non-
broker medians and final results are shown in Appendix 12.

4.5  Housing Survey Results

    In the above sections, the processes used for determining the costs
for maintenance, insurance, utilities, real estate taxes, rents, and
homeowner mortgages were described. Appendix 13 shows the cost of each
of these items for renters and homeowners in each allowance area and in
the Washington, DC area.
    Appendix 14 compares the total cost of these items by income level
in each allowance area with the total cost of the same items by income
level in the Washington, DC area. Again, there are separate comparisons
for renters and homeowners.
    The final housing-cost comparisons take the form of indexes that
are used in Appendix 19 to derive the total, overall index for owners
and renters. (Refer to Section 2.6 for a discussion of the general
formulae and how the component indexes are combined.)

5. Transportation

5.1  Component Overview

    The transportation component consists of two categories: Automobile
Expense and Other Transportation Costs. The Automobile Expense Category
reflects costs relating to owning and operating a car in each area. The
Other Transportation Costs Category is represented by the cost of air
travel from each location to a common point within the contiguous 48
states.

5.2  Private Transportation Methodology

    As done in previous surveys, JFA analyzed automobile transportation
costs for three commonly purchased vehicles: a domestic auto, an import
auto, and a utility vehicle. New car costs were used for these analyses
because it was believed that pricing used vehicles of equivalent
quality in each area could introduce inconsistencies because of the
value judgments that would be required.
5.2.1  Vehicle Selection and Pricing
    The three vehicles selected for analysis were:

Domestic--Ford Taurus GL 4-door sedan 3.0L 6 cyl,
Import--Honda Civic DX 4-door sedan 1.5L 4 cyl, and
Utility--Chevrolet S10 Blazer 4X4 2 door 4.3L 6 cyl.

    These are the same models that were surveyed in previous years and
were selected based on their popularity in the United States as
demonstrated by owner registration data.
    For each model car, JFA collected new vehicle prices at dealerships
in each area and from secondary sources,

[[Page 4079]]
such as the Kelly Blue Book. All prices were based on the
manufacturers' suggested retail prices (MSRP) for 1995. (OPM did not
believe it was feasible to collect information on the negotiated price
for these vehicles.) All vehicles were equipped with standard options,
such as automatic transmission, AM/FM stereo radio and air
conditioning. In Alaska locations, special additional equipment was
included in new-vehicle prices (e.g., snow tires, engine-block heaters,
and heavy-duty batteries).
    In addition to the MSRP, the price included additional charges such
as shipping, dealer preparation, additional dealer markup, excise tax,
sales tax, and any other one-time taxes or charges. In each Alaska
allowance area, for example, documentation fees were also included as
part of the new-vehicle costs.
    Rustproofing was priced in all areas, including the Washington, DC
area. In previous surveys, the contractor found that auto dealers in
the DC area did not recommend vehicle rustproofing, although it was a
commonly suggested option in the allowance areas. This year, the
information collected suggested that rustproofing was a commonly
offered option in all areas. Therefore, OPM directed JFA to include the
cost of rustproofing in the DC area as well as the allowance areas.
5.2.2  Vehicle Trade Cycle
    Calculating the cost of owning and operating a vehicle requires
knowing the miles driven and how long the car is owned. In the
automobile industry, these two factors are known collectively as a
vehicle's ``trade cycle.'' The trade cycle is stated as a length of
time (in months or years) and the total number of miles driven in that
time period. This information is used in the model to compute annual
costs related to fuel, oil, tires, maintenance, and depreciation.
    As with the previous living-cost analyses, JFA used a four-year,
60,000-mile trade cycle in all areas. This was based upon the following
information:

--The Internal Revenue Service uses this trade cycle to compute the
allowable cents-per-mile reimbursement rate for persons who drive their
personal vehicle for business purposes;
--The four-year time period coincides with the typical length of a
vehicle loan; and
--U.S. Department of Energy statistics for 1988 show that the annual
average for number of vehicle miles driven in the United States was
18,595 per household and 10,246 miles per vehicle.
5.2.3  Fuel Performance and Type
    All vehicles included in this study used regular unleaded fuel. JFA
surveyed self-service cash prices of unleaded regular gasoline at name-
brand gas stations in the Washington, DC area. In consideration of the
harsh climate in the Alaska allowance areas, full-service cash prices
were surveyed.
    To establish average fuel-performance ratings, the COLA model uses
the ``city driving'' figures published by the U.S. Environmental
Protection Agency (EPA). The ``city'' figures instead of ``highway''
figures are used because all locations contained considerable stop-and-
go driving conditions.
    As in previous COLA surveys, JFA included in its analysis the
following fuel-performance factors: temperature, road surface, and
gradient. These factors are based on research previously conducted for
OPM. This research and the factors are discussed below.
5.2.3.1  Impact of Temperature upon Fuel Performance
    Gas mileage is affected by temperature. The lower the temperature,
the fewer miles-per-gallon achieved and vice versa. According to the
EPA's Passenger Car Fuel Economy: EPA and Road, the temperature at
which no adjustments to fuel performance occur is 77  deg.F; below that
temperature, miles-per-gallon achieved drops, above 77  deg.F miles-
per-gallon achieved improves. The model uses the average monthly
temperatures for each allowance area and the Washington, D.C., area as
reported in The Weather Almanac, published by Ruffner and Blair.
    For each location and month, the model uses the appropriate factor
from the EPA study based on the average monthly temperature for the
area. These factors are then averaged to derive a single overall factor
for each location. The results of these calculations are shown in
Section 5.2.3.4.
5.2.3.2  Impact of Road Surfaces upon Fuel Performance
    For the model, it is assumed that Federally controlled roadways are
typically composed of concrete and/or high-load asphalt and that
locally controlled roadways are typically composed of low-load asphalt.
EPA's research indicates that cars are generally more fuel-efficient on
the firmer, high-load surfaces than on the softer, low-load surfaces.
    Although traffic patterns and road usage vary among areas, previous
research conducted for OPM produced no relevant findings regarding this
issue. Therefore, the model uses the assumption that Federally-
controlled roadways generally support twice the traffic of, or are used
at least twice as much as, locally controlled roadways.
    In each allowance area, the total mileage falling into either the
Federal or local categories are collected. For example, Alaska contains
5,512 miles of Federally controlled roads and 7,120 miles of locally
controlled roadways. The usage consumption increased Federal road
mileage by a factor of two.
    The average low-load asphalt factor (which reflects dry, wet, and
snowy conditions) is applied to the local mileage percentage, and the
average concrete and/or high-load asphalt factor is applied to the
Federal mileage percentage to produce a weighted average factor for
each area. The weighted factor is 0.96 for the allowance areas. The
Washington, DC area is assigned a factor of 1.00 on the premise that
the vast majority of traffic in that area travels on dry, high-load
surfaces. The application of these factors is described in Section
5.2.3.4.
5.2.3.3  Impact of Gradient Upon Fuel Performance
    The effect of gradient on gas mileage is also estimated from EPA's
Passenger Car Fuel Economy: EPA and Road. Local topography (i.e.,
gradient) affects fuel efficiency. EPA provides mileage factors based
upon various gradients ranging from less than 0.5% (essentially flat)
to greater than 6% (steep).
    In research previously conducted for OPM, the contractor reviewed
the topographic features of each area and found a wide range of road
conditions. However, the contractor was unable to find relevant
information on the types of terrain drivers typically encounter in each
area or the number of miles drivers travel in each type of terrain.
Lacking such information, the contractor assumed that drivers in the
allowance areas generally traveled roads having approximately the same
gradients that are found on average in the United States.
    Applying the information from EPA's research, a fuel-performance
factor of 0.98 was computed for this type of driving. This factor was
assigned to each allowance area. For the Washington, DC area, a factor
of 1.00 was used on the premise that the vast majority of traffic in
that area travels on major freeways and highways that are relatively
flat. The application of these factors is described in the next
section.
5.2.3.4  Overall Impact Upon Fuel Performance
    JFA applied the factors described above to make adjustments to the

[[Page 4080]]
    average gas mileage ratings for each type of automobile surveyed for
each allowance area and for the Washington, DC area. The adjustment
factors compound--that is, the total adjustment is the result of
multiplying the three individual factors together for each area.
    In the table below, the factor 1.00 means that no adjustment to EPA
fuel performance is appropriate. A factor of less than 1.00 means that
the estimated gasoline mileage in the area is less than the EPA
average. For example, the total adjustment factor for Juneau is 0.84.
This means that the estimated gasoline mileage in Juneau is 84% of the
EPA estimated average. Note that the adjustment factor for the DC area
(0.94) indicates that average gasoline mileage in that area is also
below the EPA estimate.

                               Table 5-1.--Summary of Fuel-Performance Adjustments
----------------------------------------------------------------------------------------------------------------
                                                                               Road
                          Location                            Temperature    surface      Gradient      Total
----------------------------------------------------------------------------------------------------------------
Anchorage...................................................         0.88         0.96         0.98         0.83
Fairbanks...................................................         0.85         0.96         0.98         0.80
Juneau......................................................         0.89         0.96         0.98         0.84
Nome........................................................         0.85         0.96         0.98         0.80
Washington, DC..............................................         0.94         1.00         1.00         0.94
----------------------------------------------------------------------------------------------------------------

5.2.4  Vehicle Maintenance
    As done in the previous surveys, JFA surveyed the cost of five
common maintenance services and repairs performed on the vehicles
surveyed. The services and repairs were--

--Tuneup,
--Oil change,
--Automatic transmission fluid change,
--Flush/fill coolant, and
--Muffler/exhaust pipe replacement.

    Where appropriate, the automobile manufacturers' recommended
maintenance schedules were used to determine the frequency of
performing each of these maintenance jobs. Maintenance schedules vary,
depending on the driving conditions typically encountered. Consistent
with the assumptions used for fuel economy and tire mileage, it was
assumed that driving conditions in the allowance areas are generally
severe, and the maintenance schedules used reflected that kind of
driving. For the DC area, it was assumed that driving conditions were
normal, and the maintenance schedules used for that area reflected that
kind of driving.
    The recommended frequency of performing each of these jobs was
combined with the prices charged by local dealers and service stations
to compute an estimated annual maintenance expense. Unlike previous
surveys, JFA collected the cost of the complete maintenance service or
repair job for each vehicle. For example, the cost of a complete oil
change was collected for each vehicle including the total charge for
parts and the total charge for labor.
    In the Alaska and Washington, DC areas, constant velocity joint
(CVJ) boots replacement was also included in the cost of vehicle
maintenance. Previous research conducted for OPM revealed varying
replacement cycles between the Alaska allowance areas and between the
Alaska areas and the Washington, DC area: Anchorage and Juneau--every
45,000 miles (3 years), Nome--every 30,000 miles (2 years), Fairbanks--
every 15,000 miles (1 year), and Washington, DC--every 60,000 miles (4
years). The cost of replacement for all three vehicle types was
factored into the indexes based upon the life cycle of the replacement.
In Fairbanks, for example, 100% of the cost was included because
previous research indicated annual replacement was the norm.
5.2.5  Tires
    Research previously conducted for OPM revealed that various factors
(e.g., road quality/state of repair, road composition) appeared to
reduce tread life (i.e., the average number of miles a tire is expected
to last) in the allowance areas compared with the Washington, DC area.
Based on this research, the model uses tire expense based on a 40,000-
mile tread life in allowance areas and a 55,000-mile tread life in the
DC area.
    JFA priced the cost of a new set of tires, including mounting and
balancing and all applicable taxes, in each area. This cost was
converted into an annual cost by dividing the estimated number of
annual miles driven by the expected tread life and multiplying this by
the new tire price.
    Current research indicated that four extra studded snow tires would
be required for all three vehicles in the Alaska allowance areas. JFA
surveyed the cost of extra wheels, extra tires, and installing studs
for all vehicles in Anchorage, Fairbanks, Juneau and Nome.
5.2.6  License and Registration Fees, and Miscellaneous Tax
    JFA obtained information regarding license registration fees and
personal property tax (where applicable). License and registration fees
were included as part of the annual cost of owning an automobile.
Personal-property tax was computed for each year of the vehicle's four-
year trade cycle using the vehicle's estimated used-car value for each
year. The resulting four personal property tax values were then
averaged, and that average was included as part of the annual cost of
owning an automobile.
    As stated in section 5.2.1, sales and excise taxes were included in
the purchase price of the vehicle and were accounted for under the
annual vehicle purchase and finance costs.
5.2.7  Depreciation
    The single largest annual expense related to owning and operating a
new car is depreciation--the lost value of the vehicle as it ages and
is driven. Total depreciation is calculated by subtracting from the
purchase the estimated residual value (used car value) four years
later. This value is then divided by 4 to produce an annual
depreciation amount.
    As described earlier, the new car price is the manufacturer's
suggested retail price plus any additional charges such as shipping,
dealer prep, additional dealer markup, excise tax, and sales tax. As
done in previous surveys, the used car value was based on information
from the Black Book Official Finance/Lease Guide for 1994. Although
this source only tracks prices or vehicles sold in the contiguous 48
states, research performed by the previous OPM contractor did not
indicate that used cars in allowance areas were (on average) worth more
or less than used cars in the DC area, except for Fairbanks and Nome.
For Fairbanks and NOME, 90% of the Black Book projected residual values
were used to reflect the more severe conditions.
    It should be noted that identical residual values did not result in
identical depreciation amounts. Depreciation amounts were higher in

[[Page 4081]]
the allowance areas than in the Washington, DC area because new car
prices are higher in the allowance areas.
5.2.8  Finance Expense
    For the model, it is assumed that new car purchases are financed.
Therefore, JFA surveyed banks in all areas to obtain their auto-loan
interest rates for a 48-month loan with 80 percent financing. The
financing cost for each vehicle in each area was computed and included
in the annual cost of owning and operating an automobile.
5.2.9  Vehicle Insurance
    JFA surveyed the cost of car insurance in each location. Consistent
with the previous year's survey, JFA used the following coverages,
limits, and deductibles:

Bodily Injury.............................  $100,000/$300,000.
Property Damage...........................  $50,000.
Medical...................................  $5,000.
Uninsured Motorist........................  $100,000/300,000.
Comprehensive.............................  $100 Deductible.
Collision.................................  $250 Deductible.


    In each survey area, JFA identified the common automobile insurance
companies and attempted to obtain three insurance price quotes for each
type of car surveyed. These quotes were averaged by type of car to
produce estimated insurance costs for each area.
5.2.10  Overall Annual Costs
    As described above, JFA measured the annual costs for fuel,
maintenance and oil, tires, licensing, taxes, depreciation, finance,
and insurance for three types of automobiles in each allowance area and
in the Washington, DC area. These costs were then summed to determine
the overall annual costs by area for owning and operating each type of
automobile. Appendix 15 shows these costs for each area by type of
vehicle.
5.3  Other Transportation Costs--Air Fares
    Air fare is the only item priced for the Other Transportation Costs
Category. For this item, JFA priced the lowest available round-trip air
fare from each allowance area and the Washington, DC area to Los
Angeles, California. Los Angeles was selected because it is a common
point approximately equidistant from most of the allowance areas and
the Washington, DC area. The cost of the trip from each allowance area
to Los Angeles was compared with the cost of the trip from the DC area
to Los Angeles to compute the category indexes. These fares are shown
in Appendix 16.
5.4  Transportation Component Analyses
    JFA compared the total cost of private auto transportation for each
vehicle in each allowance area with the total cost for the same vehicle
in the DC area. These comparisons are expressed as indexes and are
shown in Appendix 17. The indexes were then averaged to produce a
single Automobile Expense Category index for each allowance area.
    Likewise, JFA compared the cost of air fares for each area with
those for the DC area and computed a cost index. These indexes are also
shown in Appendix 17. That appendix also shows how the auto and air
transportation indexes are combined using expenditure weights derived
from the CES data to produce final transportation indexes.
    JFA used national average expenditure data to derive weights that
reflected how much consumers typically spend to own and operate an
automobile versus other transportation expenses. These weights were
used to combine the Automobile Expense Category index with the Other
Transportation Cost index by area to derive the overall Transportation
Component index for the area. The weights, computations, and final
indexes are also shown in Appendix 17. The Transportation Component
indexes are used in Appendix 19 to derive the total overall index.

6. Miscellaneous Expenses

6.1  Component Overview

    The Miscellaneous Expense component consists of three categories of
expenses:

--Medical care,
--Contributions (including gifts to non-family members),
--Personal insurance and retirement contributions/investments.

    JFA used an approach similar to that used for the Goods and
Services Component to derive the indexes for each of these categories
and the Miscellaneous Component overall.

6.2  Component Weights

    JFA used CES data to determine the appropriate weights for each of
the items and categories in the Miscellaneous Component. The following
table shows the category weights. Item weights are shown in Appendix
18.

        Table 6-1.--Miscellaneous Expense Categories and Weights
------------------------------------------------------------------------
                                                Income level
                                  --------------------------------------
            Categories                Lower        Middle       Upper
                                    (percent)    (percent)    (percent)
------------------------------------------------------------------------
Medical Care.....................        41.50        31.33        23.51
Contributions....................        15.80        16.85        17.65
Personal Insurance and Retirement
 Contributions...................        42.70        51.82        58.83
                                  --------------------------------------
      Totals.....................       100.00       100.00       100.00
------------------------------------------------------------------------
Note: Values may not total because of rounding.

6.3  Component Categories

6.3.1  Medical Expense Category
    JFA surveyed the price of medical care items using essentially the
same approach it used for the Goods and Services Component items. The
following medical-care items were priced in each allowance area and in
the Washington, DC area. (See Appendix 5 for item descriptions).

--Nonprescription pain reliever
--Prescription drugs
--Vision check
--Dental service
--Doctor visit
--Hospital room
--Health insurance

    JFA surveyed the cost of these items in both the allowance areas
and in the Washington, DC area and compared the prices to produce an
index for each item in each area. JFA combined these indexes using CES
weights to produce a single Medical Care Category index for each area.
    It should be noted that for the model, it is assumed that the cost
of health

[[Page 4082]]
insurance is constant among areas because the choice of Federal health
coverage is to a large extent a matter of personal preference.
Therefore, the index for this item is 100.00.
6.3.2  Contributions Category
    The index for the Contributions Category is the Goods and Services
Component index for the area. The Goods and Services index is used
based on the assumption that the relative level of contribution is
roughly equivalent to that reflected by the Goods and Services index.
6.3.3  Personal Insurance and Retirement Category
    The index for personal insurance and retirement contributions and
investments is assumed to be constant among areas. The cost of Federal
Employees Group Life Insurance is a matter of personal preference and
is constant in all areas for the same age, salary, and benefit option
combinations. Likewise, retirement contributions are a matter of
personal preference and the minimum contribution requirements are
constant among areas for equivalent salary levels.

6.4  Miscellaneous Expense Analyses

    As with the Goods and Services Component, the indexes for each of
the Miscellaneous Component categories are combined using CES weights
to produce a single component index for each area. These indexes are
shown in Appendix 18.
    Section 2.5 describes how the miscellaneous expense component
indexes are combined with the other component indexes to derive the
final index for each area.

7. Final Results

7.1  Total Comparative Cost Indexes

    The total comparative cost indexes appear below. Appendix 19 shows
how each index was derived from the component indexes.

                Table 7-1.--Final Cost Comparison Indexes
------------------------------------------------------------------------
                        Allowance area                           Index
------------------------------------------------------------------------
Anchorage, Alaska............................................     105.14
Fairbanks, Alaska............................................     108.64
Juneau, Alaska...............................................     108.33
The rest of Alaska...........................................     126.19
------------------------------------------------------------------------

     Appendix 1.--Publication in the Federal Register of Results of
             Nonforeign Area Living-Cost Surveys: 1990-1995
------------------------------------------------------------------------
         Citation                   Title                 Contents
------------------------------------------------------------------------
56 FR 7902................  Office of Personnel    Results of summer
                             Management: Cost-of-   1990 living-cost
                             Living Allowances      surveys conducted in
                             and Post               Alaska, Hawaii,
                             Differentials          Guam, Puerto Rico,
                             (Nonforeign Areas).    and the U.S. Virgin
                                                    Islands.
57 FR 58556...............  Office of Personnel    Results of summer
                             Management: Report     1991 and winter 1992
                             on 1991/1992 Surveys   living-cost surveys
                             Used to Determine      conducted in Alaska,
                             Cost-of-Living         Hawaii, Guam, Puerto
                             Allowances in          Rico, and the U.S.
                             Nonforeign Areas.      Virgin Islands.
58 FR 45558...............  Office of Personnel    Results of summer
                             Management: Report     1992 and winter 1993
                             on 1992/1993 Surveys   living-cost surveys
                             Used to Determine      conducted in Alaska,
                             Cost-of-Living         Hawaii, Guam, Puerto
                             Allowances in          Rico, and the U.S.
                             Nonforeign Areas.      Virgin Islands.
58 FR 27316...............  Office of Personnel    Results of summer
                             Management: Report     1993 living-cost
                             on Summer 1993         surveys conducted in
                             Surveys Used to        Hawaii, Guam, Puerto
                             Determine Cost-of-     Rico, and the U.S.
                             Living Allowances in   Virgin Islands.
                             Nonforeign Areas.
59 FR 45066...............  Office of Personnel    Results of winter
                             Management: Report     1994 living-cost
                             on Winter 1994         surveys conducted in
                             Surveys Used to        Alaska.
                             Determine Cost-of-
                             Living Allowances in
                             Alaska.
60 FR 61332...............  Office of Personnel    Results of summer
                             Management: Report     1994 living-cost
                             on Summer 1994         surveys conducted in
                             Surveys Used to        Hawaii, Guam, Puerto
                             Determine Cost-of-     Rico, and the U.S.
                             Living Allowances in   Virgin Islands.
                             Selected Nonforeign
                             Areas.
------------------------------------------------------------------------

                             Appendix 2.--Multiple Income Levels: Winter 1995 Survey
                           [Federal Employment Weights Within a Single Allowance Area]
----------------------------------------------------------------------------------------------------------------
              Location and income level                  1992        1993        1994       Average     Weights
----------------------------------------------------------------------------------------------------------------
Anchorage, AK:
    Low.............................................      $1,708      $1,638      $1,609      $1,652       27.09
    Middle..........................................       2,048       2,090       1,971       2,036       33.39
    Upper...........................................       2,247       2,400       2,583       2,410       39.52
                                                     -----------------------------------------------------------
      Total.........................................      $6,003      $6,128      $6,163      $6,098      100.00
                                                     ===========================================================
Fairbanks, AK:
    Low.............................................        $406        $400        $444        $417       34.98
    Middle..........................................         415         467         442         441       37.00
    Upper...........................................         292         318         392         334       28.02
                                                     -----------------------------------------------------------
      Total.........................................      $1,113      $1,185      $1,278      $1,192      100.00
                                                     ===========================================================
Juneau, AK:
    Low.............................................        $139        $139        $145        $141       19.91
    Middle..........................................         230         245         220         232       32.77
    Upper...........................................         310         334         360         335       47.32
                                                     -----------------------------------------------------------
      Total.........................................        $679        $718        $725        $708      100.00
                                                     ===========================================================

[[Page 4083]]

Rest of Alaska:
    Low.............................................        $460        $444        $414        $439       28.07
    Middle..........................................         710         759         722         730       46.67
    Upper...........................................         348         391         445         395       25.26
                                                     -----------------------------------------------------------
      Total.........................................      $1,518      $1,594      $1,581      $1,564      100.00
----------------------------------------------------------------------------------------------------------------

                                    Appendix 3.--Consumer Expenditure Surveys
                            [Pre-published Data for All Consumer Units Nationwide *]
----------------------------------------------------------------------------------------------------------------
                                                                     Total complete reporting
                                                 ---------------------------------------------------------------
                                                       1988            1991            1992           Average
----------------------------------------------------------------------------------------------------------------
Average Before Tax income.......................      $28,540.00      $33,901.00      $33,854.00      $32,098.33
Average annual expenditures.....................       26,389.07       30,487.29       30,527.49       29,134.62
  Food..........................................        3,804.39        4,366.88        4,358.56        4,176.61
    Food at home................................        2,176.94        2,724.89        2,684.35        2,528.73
      Cereals and bakery products *.............          317.03          413.81          418.15          383.00
        Cereals and cereal products *...........          111.15          149.01          144.15          134.77
          Flour *...............................            4.83            6.61            7.21            6.22
          Prepared flour mixes *................            9.88           14.67           13.62           12.72
          Ready-to-eat and cooked cereals *.....           73.49           90.13           88.39           84.00
          Rice *................................            7.98           14.49           12.67           11.71
          Pasta, cornmeal and other cereal
           products *...........................           14.97           23.11           22.27           20.12
        Bakery products *.......................          205.88          264.80          274.00          248.23
          Bread *...............................           65.72           76.98           77.58           73.43
            White bread *.......................           35.48           38.93           38.04           37.48
            Bread, other than white *...........           30.24           38.04           39.54           35.94
          Crackers and cookies *................           51.76           65.09           67.10           61.32
            Cookies *...........................           32.19           41.15           40.75           38.03
            Crackers *..........................           19.57           23.94           26.34           23.28
          Frozen and refrigerated bakery
           products *...........................           13.55           19.33           21.06           17.98
          Other bakery products *...............           74.84          103.40          108.27           95.50
            Biscuits and rolls *................           26.62           34.12           35.55           32.10
            Cakes and cupcakes *................           20.31           29.49           31.67           27.16
            Bread and cracker products *........            2.82            4.14            4.70            3.89
            Sweetrolls, coffee cakes, doughnuts
             *..................................           19.60           24.05           24.93           22.86
            Pies, tarts, turnovers *............            5.48           11.61           11.41            9.50
      Meats, poultry, fish, and eggs *..........          560.01          725.06          687.17          657.41
        Beef *..................................          183.66          238.59          210.36          210.87
          Ground beef *.........................           79.09           89.66           87.67           85.47
          Roast *...............................           33.40           42.62           37.74           37.92
            Chuck roast *.......................           13.23           16.81           13.48           14.51
            Round roast *.......................            9.13           12.63           12.96           11.57
            Other roast *.......................           11.04           13.18           11.30           11.84
          Steak *...............................           59.01           87.83           69.00           71.95
            Round steak *.......................           11.62           16.56           14.63           14.27
            Sirloin steak *.....................           12.96           23.58           17.72           18.09
            Other steak *.......................           34.42           47.68           36.65           39.58
          Other beef *..........................           12.17           18.47           15.95           15.53
        Pork *..................................          114.19          146.62          155.56          138.79
          Bacon *...............................           20.23           21.28           20.47           20.66
          Pork chops *..........................           27.10           35.26           34.88           32.41
          Ham *.................................           27.43           38.92           42.73           36.36
            Ham, not canned *...................           24.47           35.84           38.98           33.10
            Canned ham *........................            2.96            3.08            3.75            3.26
          Sausage *.............................           16.60           21.01           23.29           20.30
          Other pork *..........................           22.83           30.15           34.19           29.06
        Other meats *...........................           83.61          102.91           94.58           93.70
          Frankfurters *........................           17.37           23.87           21.19           20.81
          Lunch meats (cold cuts) *.............           58.88           70.13           63.56           64.19
            Bologna, liverwurst, salami *.......           19.11           23.75           22.91           21.92
            Other lunchmeats *..................           39.78           46.39           40.65           42.27
          Lamb, organ, meats and others *.......            7.36            8.91            9.84            8.70
            Lamb and organ meats *..............            6.17            7.89            8.74            7.60
            Mutton, goat and game *.............            1.19            1.02            1.10            1.10
        Poultry *...............................           85.49          123.67          123.39          110.85
          Fresh and frozen chickens *...........           66.41           92.17           91.28           83.29
            Fresh whole chicken *...............           17.24           24.27           19.61           20.37

[[Page 4084]]

            Fresh and frozen chicken parts *....           49.17           67.90           71.67           62.91
          Other poultry, incl. whole frozen
           chickens *...........................           19.08           31.50           32.10           27.56
        Fish and seafood *......................           65.24           81.51           74.99           73.91
          Canned fish and seafood *.............           17.95           18.40           17.46           17.94
          Fresh and frozen shellfish *..........           14.98           25.27           21.36           20.54
          Fresh and frozen finfish *............           32.31           37.83           36.17           35.44
        Eggs *..................................           27.83           31.77           28.30           29.30
      Dairy products *..........................          277.91          306.57          307.10          297.19
        Fresh milk and cream *..................          134.41          134.72          136.59          135.24
          Whole milk *..........................           52.12           49.88           47.69           49.90
          Other milk and cream *................           82.29           84.84           88.90           85.34
        Other dairy products *..................          143.50          171.85          170.52          161.96
          Butter *..............................            8.89           10.62            9.71            9.74
          Cheese *..............................           79.01           90.15           87.72           85.63
          Ice cream and related products *......           41.68           50.47           51.93           48.03
          Miscellaneous dairy products *........           13.93           20.61           21.16           18.57
      Fruits and vegetables *...................          376.38          437.70          435.20          416.43
        Fresh fruits *..........................          120.98          132.65          129.17          127.60
          Apples *..............................           21.57           26.69           26.64           24.97
          Bananas *.............................           20.65           27.62           26.48           24.92
          Oranges *.............................           10.98           12.28           13.23           12.16
          Other fresh fruits *..................           67.78           66.06           62.82           65.55
        Fresh vegetables *......................          110.67          131.09          127.84          123.20
          Potatoes *............................           16.61           25.25           24.56           22.14
          Lettuce *.............................           13.73           15.51           16.33           15.19
          Tomatoes *............................           14.87           21.64           19.85           18.79
          Other fresh vegetables *..............           65.47           68.69           67.10           67.09
        Processed fruits *......................           86.81           99.35          102.67           96.28
          Frozen fruits and fruit juices *......           19.59           22.09           21.35           21.01
            Frozen orange juice *...............           14.43           14.09           13.34           13.95
            Other frozen fruits and juices *....            5.16            7.99            8.01            7.05
          Canned and dried fruits *.............           21.22           24.23           23.48           22.98
          Fresh, canned or bottled fruit juice *           46.00           53.03           57.83           52.29
        Processed vegetables *..................           57.92           74.61           75.53           69.35
          Frozen vegetables *...................           21.30           26.45           25.46           24.40
          Canned and dried vegetables and juices
           *....................................           36.62           48.16           50.07           44.95
            Canned beans *......................            6.64            9.26           10.09            8.66
            Canned corn *.......................            4.21            6.29            7.40            5.97
            Other canned and dried veg. and
             juices *...........................           25.77           32.61           32.59           30.32
      Other food at home *......................          645.61          841.75          836.73          774.70
        Sugar and other sweets *................           80.66          104.62          106.24           97.17
          Candy and chewing gum *...............           45.41           59.10           62.86           55.79
          Sugar *...............................           17.07           20.80           18.12           18.66
          Artificial sweetners *................            2.36            3.23            3.24            2.94
          Jams, preserves, other sweets *.......           15.82           21.48           22.02           19.77
        Fats and oils *.........................           56.65           73.12           73.79           67.85
          Margarine *...........................           11.96           14.31           14.56           13.61
          Other fats, oils, and salad dressing *           31.66           39.96           40.94           37.52
          Nondairy cream and imitation milk *...            4.49            6.56            6.75            5.93
          Peanut butter *.......................            8.54           12.30           11.53           10.79
        Miscellaneous foods *...................          272.98          387.81          393.26          351.35
          Frozen prepared foods *...............           46.13           71.21           73.99           63.78
            Frozen meats *......................           16.75           25.00           22.99           21.58
            Other frozen prepared foods *.......           29.39           46.21           51.01           42.20
          Canned and packaged soups *...........           21.41           26.23           25.44           24.36
          Potato chips, nuts and other snacks *.           59.78           78.66           78.63           72.36
            Potato chips and other snacks *.....           46.79           62.03           62.34           57.05
            Nuts *..............................           12.99           16.63           16.29           15.30
          Condiments and seasonings *...........           61.52           87.93           90.44           79.96
            Salt, spices, other seasonings *....           12.31           19.15           20.79           17.42
            Olives, pickles, relishes *.........            7.62           11.05           10.82            9.83
            Sauces and gravies *................           31.62           42.03           43.55           39.07
            Baking needs and misc. products *...            9.97           15.71           15.29           13.66
          Other canned and packaged prepared
           foods *..............................           84.14          123.78          124.75          110.89
            Salads and desserts *...............           13.23           17.87           20.42           17.17
            Baby foods *........................           16.25           23.56           24.11           21.31
            Miscellaneous prepared foods *......           54.66           82.35           80.22           72.41
        Nonalcoholic beverages *................          204.37          233.06          219.33          218.92
          Cola *................................           92.19           92.26           86.71           90.39

[[Page 4085]]

          Other carbonated drinks *.............           32.62           39.32           40.41           37.45
          Coffee *..............................           40.93           42.59           40.13           41.22
            Roasted coffee *....................           25.27           25.35           24.56           25.06
            Instant and freeze dried coffee *...           15.66           17.24           15.57           16.16
          Noncarbornated fruit flavored drinks *           16.30           25.74           20.15           20.73
          Tea *.................................           11.18           14.66           14.26           13.37
          Nonalacoholic beer *..................              NA              NA              NA              NA
          Other nonalcoholic beverages *........           11.15           18.51           17.68           15.78
        Food prepared by consumer unit on out-of-
         town trips.............................           30.94           43.13           44.12           39.40
    Food away from home.........................        1,627.45        1,641.99        1,674.21        1,647.88
      Meals at restaurants, carry-outs and other
       *........................................        1,275.77        1,300.05        1,344.40        1,306.74
        Lunch *.................................          499.88          463.89          476.89          480.22
        Dinner *................................          459.30          601.50          619.67          590.16
          Snacks and nonalcoholic beverages *...          142.56          133.59          141.35          139.17
          Breakfast and brunch *................           84.04          101.08          106.49           97.20
      Board (including at school)...............           43.62           43.00           46.92           44.51
      Catered affairs...........................           41.27           46.07           40.77           42.70
          Food on out-of-town trips.............          195.31          178.84          167.14          180.43
          School lunches........................           42.24           46.89           47.40           45.51
          Meals as pay..........................           29.24           27.13           27.58           27.98
  Alcoholic beverages...........................          281.70          313.94          321.12          305.59
    At home *...................................          148.36          166.77          177.01          164.05
      Beer and ale *............................           89.05           87.98           99.54           92.19
      Whiskey *.................................           12.73           17.07           14.23           14.68
      Wine *....................................           32.15           45.33           43.11           40.20
      Other alcholic beverages *................           14.43           16.38           20.13           16.98
    Away from home..............................          133.34          147.17          144.11          141.54
      Beer and ale *............................           37.50           46.76           48.77           44.34
      Wine *....................................           18.54           25.57           22.95           22.35
      Other alcoholic beverages *...............           58.12           46.66           47.06           50.61
      Alcoholic beverages purchased on trips....           19.17           28.19           25.34           24.23
  Housing.......................................        8,069.13        9,325.13        9,528.41        8,974.22
    Shelter.....................................        4,470.25        5,208.28        5,431.78        5,036.77
      Owned dwellings...........................        2,554.04        3,279.50        3,307.24        3,046.93
        Mortgage interest and charges...........        1.560.48        1,951.95        1,984.40        1,832.28
          Mortgage interest.....................        1,560.38        1,880.31        1,856.78        1,765.82
          Interest paid, home equity loan.......              NA           33.34           63.99           48.67
          Interest paid, home equity line of
           credit...............................              NA           37.94           63.32           50.63
          Prepayment penalty charges............            0.10            0.36            0.31            0.26
        Property taxes..........................          496.08          767.69          760.97          674.91
        Maintenance, repairs, insurance, other
         expenses...............................          497.48          559.86          561.86          539.73
          Homeowners and related insurance......          151.74          164.20          176.37          164.10
            Fire and extended coverage..........            4.98            3.84            5.02            4.61
            Homeowners insurance................          146.76          160.36          171.35          159.49
          Ground rent...........................           26.88           33.78           33.40           31.35
          Maintenance and repair services.......          252.68          278.55          268.09          266.44
            Painting and papering...............           52.01           39.24           37.27           42.84
            Plumbing and water heating..........           23.06           31.48           34.02           29.52
            Heat, a/c, electrical work..........           42.03           45.96           53.14           47.04
            Roofing and gutters.................           46.96           54.11           40.98           47.35
            Other repair and maintenance
             services...........................           78.78           99.93           91.16           89.96
            Repair and replacement of hard
             surface flooring...................            8.14            6.47           10.16            8.26
            Repair of built-in appliances.......            1.68            1.36            1.36            1.47
          Maintenance and repair commodities....           65.41           69.18           63.89           66.16
            Paints, wallpaper and supplies......           17.47           16.27           16.50           16.75
            Tools and equipment for painting and
             wallpapering.......................            1.88            1.75            1.77            1.80
            Plumbing supplies and equipment.....            5.65            7.65            5.96            6.42
            Electrical supplies, heating and
             cooling equipment..................            3.76            3.44            7.13            4.78
            Materials for hard surface flooring,
             repair and replac..................            1.85            2.17            3.13            2.38
            Materials and equipment for roof and
             gutters............................            5.18            6.61            6.20            6.00
            Materials for plaster., panel.,
             siding, wind., doors, screens, awn.           11.08           10.86            7.29            9.74
            Materials for patio, walk, fence,
             drive., mason., brick, stucco work.            2.12            0.55            0.67            1.11
            Materials for landscaping
             maintenance........................            2.52            1.77            1.15            1.81
            Miscellaneous supplies and equipment           13.89           18.11           14.08           15.36
              Material for insulation, other
               maint. and repair................            7.87           12.55            7.84            9.42
              Materials to finish base., remodel
               rooms or build patios, walks, etc            6.02            5.56            6.24           5.94

[[Page 4086]]

          Property management and security......            0.74           13.44           20.12           11.43
            Property management.................            0.64            8.61           13.24            7.50
            Management and upkeep services for
             security...........................            0.10            4.84            6.88            3.94
          Parking...............................            0.04            0.70              NA            0.37
      Rented dwellings..........................        1,469.41        1,609.43        1,787.19        1,622.01
        Rent....................................        1,428.30        1,538.23        1,714.30        1,560.28
        Rent as pay.............................           17.34           44.87           37.09           33.10
        Maintenance, insurance and other
         expenses...............................           23.76           26.33           35.80           28.63
          Tenant's insurance....................            8.68            9.76            9.16            9.20
          Maintenance and repair services.......            9.01            9.96           11.88           10.28
            Repair or maintenance services......            8.62            9.49           11.52            9.88
            Repair and replacement of hard
             surface flooring...................            0.36            0.38            0.29            0.34
            Repair of built-in appliances.......            0.03            0.08            0.07            0.06
          Maintenance and repair commodities....            6.07            6.61           14.76            9.15
            Paint, wallpaper, and supplies......            1.19            2.07            1.70            1.65
            Tools and equipment for painting and
             wallpapering.......................            0.13            0.22            0.18            0.18
            Materials for plastering, panels,
             roofing, gutters, etc..............            0.68            0.43            2.86            1.32
            Materials for patio, walk, fence,
             drive., masonry, brick and stucco
             work...............................            0.02            0.02            0.04            0.03
            Plumbing supplies and equipment.....            0.38            0.25            0.55            0.39
            Electrical supplies, heating and
             cooling equipment..................            0.92            0.34            0.26            0.51
            Miscellaneous supplies and equipment            1.84            2.17            7.71            3.91
              Material for insulation, other
               maintenance and repair...........            0.58            0.82            1.51            0.97
              Termite and pest control (capital
               improvement).....................            0.00              NA              NA            0.00
              Materials for additions, finishing
               base., remodeling rooms..........            1.08            1.34            5.90            2.77
              Construction materials for jobs
               not started......................            0.18            0.01            0.30            0.16
            Material for hard surface flooring..            0.14            0.59            0.90            0.54
            Material for landscape maintenance..            0.76            0.53            0.55            0.61
      Other lodging.............................          446.79          319.35          337.35          367.83
        Owned vacation homes....................           78.26           92.13          115.29           95.23
          Mortgage interest and charges.........              NA           39.20           54.55           46.88
            Mortgage interest...................           48.65           38.93           50.60           46.06
            Interest paid, home equity loan.....              NA            0.02            1.06            0.54
            Interest paid, home equity line of
             credit.............................              NA            0.26            2.88            1.57
            Prepayment penalty charge...........            0.00              NA              NA            0.00
            Property taxes......................           16.90           37.77           42.04           32.24
            Maintenance, insurance, and other
             expenses...........................           12.71           15.17           18.70           15.53
            Homeowners and related insurance....            3.07            3.79            4.10            3.65
              Homeowners insurance..............            3.04            3.65            3.86            3.52
              Fine and extended coverage........            0.03            0.14            0.24            0.14
            Ground rent.........................            3.33            2.32            1.75            2.47
            Maintenance and repair services.....            5.52            5.25            7.53            6.10
              Repair and remodeling services....            5.52            5.14            7.39            6.02
              Repair and replaement of hard
               surface flooring.................            0.00            0.11            0.15            0.09
            Maintenance and repair commodities..            0.39            0.53            1.97            0.96
              Paints, wallpaper, supplies.......            0.08            0.15            1.31            0.51
              Tools and equipment for painting
               and wallpapering.................            0.01            0.02            0.14            0.06
              Materials for plaster., panel.,
               roof., gutters, downspouts, sid.,
               wind., door......................            0.05            0.05            0.07            0.06
              Material for patio, walk, fence,
               drive, masonry, brick, stucco....            0.00            0.00            0.01            0.00
              Plumbing supplies and equipment...            0.02            0.05            0.32            0.13
              Eletrical supplies, heating and
               cooling equipment................            0.01            0.09            0.03            0.04
              Miscellaneous supplies and
               equipment........................            0.01            0.12            0.09            0.07
                Material for insulation, other
                 maintenance and repair.........            0.01            0.04            0.09            0.05
                Material for finishing basements
                 and remodeling rooms...........            0.00            0.08              NA            0.04
              Materials for hard surface
               flooring.........................            0.20              NA              NA            0.20
              Materials for landscaping
               maintenance......................            0.00            0.06              NA            0.03
            Property management and security....            0.40            3.19            3.35            2.31
              Property management...............            0.40            1.96            2.25            1.54
              Management and upkeep services for
               security.........................            0.00            1.23            1.10            0.78
            Parking.............................            0.00            0.09              NA            0.05
        Housing while attending school..........           35.48           59.66           54.71           49.95
        Lodging on out-of-town trips............          178.58          167.56          167.34          171.16
    Utilities, fuels, and public services.......        1,726.29        1,961.13        1,962.49        1.883.30
      Natural gas...............................          232.22          240.89          246.97          240.03
        Utility--natural gas (renter)...........           50.85           59.96           55.98           52.60
        Utility--natural gas (owned home).......          180.07          189.11          189.86          186.35
        Utility--natural gas (owned vacation)...            1.22            0.82            1.07            1.04
        Utility--natural gas (rented vacation)..            0.08              NA            0.06            0.07

[[Page 4087]]

      Electricity...............................          700.08          791.57          770.65          754.10
        Electricity (renter)....................          169.94          189.36          201.59          186.96
        Electricity (owned home)................          524.87          595.84          562.26          560.99
        Electricity (owned vacation)............            5.03            6.00            6.59            5.87
        Electricity (rented vacation)...........            0.25            0.37            0.20            0.27
      Fuel oil and other fuels..................           94.02          103.30           93.93           97.08
        Fuel oil................................           55.60           62.83           55.61           58.01
          Fuel oil (renter).....................            5.21            5.61            7.00            5.94
          Fuel oil (owned home).................           49.96           56.67           48.25           51.63
          Fuel oil (owned vacation).............            0.38            0.51            0.36            0.42
          Fuel oil (rented vacation)............            0.06            0.04              NA            0.05
        Coal....................................            3.50            4.66            2.50            3.55
          Coal (renter).........................            0.55            0.26            0.05            0.29
          Coal (owned home).....................            2.95            4.38            2.44            3.26
          Coal (owned vacation).................            0.00            0.02            0.02            0.01
          Coal (rented vacation)................            0.00              NA              NA            0.00
        Bottled gas.............................           24.48           27.47           27.18           26.38
          Gas, btld/tank (renter)...............            3.78            4.19            4.79            4.25
          Gas, btld/tank (owned home)...........           18.58           21.14           20.75           20.16
          Gas, btld/tank (owned vacation).......            2.12            2.11            1.64            1.96
          Gas, btld/tank (rented vacation)......            0.00            0.02              NA            0.01
        Wood and other fuels....................           10.43            8.35            8.64            9.14
          Wood/other fuels (renter).............            1.31            1.37            1.59            1.42
          Wood/other fuels (owned home).........            9.05            6.92            6.71            7.56
          Wood/other fuels (owned vacation).....            0.06            0.05            0.34            0.15
          Wood/other fuels (rented vacation)....            0.00              NA              NA            0.00
      Telephone services........................          528.79          608.50          619.87          585.72
        Telephone (old).........................              NA           48.22            0.00           24.11
        Telephone services in home city,
         excluding mobile car phones............              NA          560.28          619.87          590.08
        Telephone services for mobile car phones              NA              NA              NA              NA
      Water and other public services...........          171.19          216.87          231.08          206.38
        Water and sewerage maintenance..........          131.02          159.33          160.22          150.19
          Water/sewer maint. (renter)...........           18.53           22.04           24.38           21.65
          Water/sewer maint. (owned home).......          111.57          136.19          133.69          127.15
          Water/sewer maint. (owned vacation)...            0.83            1.09            2.10            1.34
          Water/sewer maint. (rented vacation)..            0.09            0.01            0.05            0.05
        Trash and garbage collection............           38.67           55.90           69.38           54.65
          Trash/garb. coll. (renter)............            5.28            7.26            7.37            6.64
          Trash/garb. coll. (owned home)........           33.31           47.64           59.92           46.96

          Trash/garb. coll. (rented vacation)...            0.00              NA            0.01            0.01
        Septic tank cleaning....................            1.50            1.65            1.47            1.54
          Septic tank clean. (renter)...........            0.01            0.07            0.11            0.06
          Septic tank clean. (owned home).......            1.48            1.57            1.29            1.45
          Septic tank clean. (owned vacation)...            0.00            0.01            0.07            0.03
          Septic tank clean. (rented vacation)..            0.00              NA              NA            0.00
      Household operations......................          387.45          451.97          487.20          442.21
        Personal services.......................          176.53          224.86          253.05          218.15
          Babysitting...........................           74.62           83.78           85.92           81.44
          Care for elderly, invalids,
           handicapped, etc.....................           11.66           26.56           43.92           27.38
          Day-care centers, nursery, and
           preschools...........................           90.25          114.51          123.21          109.32
        Other household expenses................          210.92          227.11          234.15          224.06
          Household services....................           67.76           77.46           71.70           72.31
          Gardening, lawn care services.........           49.60           60.85           64.99           58.48
          Water softening service...............            2.81            2.72            3.28            2.94
          Household laundry, dry cleaning, sent
           out (nonclothing) not coin operated..            1.63            2.21            2.32            2.05
          Coin-operated household and dry
           cleaning (nonclothing)...............            4.78            4.91            5.58            5.09
          Other home services...................           17.86           16.79           18.38           17.68
          Termite/pest control products.........            0.20            0.22            0.29            0.24
          Moving, storage, freight express......           26.46           22.73           24.37           24.52
          Appliance repair, including service
           center...............................           16.44           16.96           15.88           16.43
          Reupholstering, furniture repair......           13.85           11.51           18.56           14.64
          Repair/rental of lawn/garden equip.,
           hand/power tools, other house. equip.            5.92            5.78            3.74            5.15
          Appliance rental......................            2.08            1.28            1.86            1.74
          Rental of office equipment for
           nonbusiness use......................            0.17            0.17            0.13            0.16
          Repair of miscellaneous household
           equipment and furnishings *..........            0.48            2.34            1.89            1.57
          Repair of computer systems for
           nonbusiness use......................            0.88            1.19            1.19            1.09

[[Page 4088]]

          Rental/installation of dishwashers,
           range hoods, and garbage disposals...            0.00              NA              NA            0.00
        Housekeeping supplies *.................          382.82          451.34          462.61          432.26
          Laundry and cleaning supplies *.......          106.44          123.66          123.97          118.02
            Soaps and detergents *..............           62.10           73.49           70.41           68.67
            Other laundry cleaning products *...           44.33           50.17           53.56           49.35
          Other household products *............          157.48          197.81          211.79          189.03
            Cleansing and toilet tissue, paper
             towels and napkins *...............           52.12           62.60           60.52           58.41
            Miscellaneous household products *..           67.89           91.22           94.75           84.62
            Lawn and garden supplies *..........           37.47           44.00           56.52           46.00
          Postage and stationery *..............          118.89          129.87          126.85          125.20
            Stationery, stationery supplies,
             giftwraps *........................           54.40           66.09           62.59           61.03
            Postage *...........................           64.49           63.78           64.26           64.18
        Household furnishings and equipment.....        1,102.32        1,252.41        1,184.33        1,179.69
          Household textiles....................           97.11          107.35           94.56           99.67
            Bathroom linens *...................           13.69           24.61           15.62           17.97
            Bedroom linens *....................           38.11           39.34           43.17           40.21
            Kitchen and dining room linens *....            5.74            4.76            7.84            6.11
            Curtains and draperies..............           26.56           18.09           19.11           21.25
            Slipcovers, decorative pillows......            1.64            1.36            1.42            1.47
            Sewing material for slipcovers,
             curtains, other sewing matter, for
             the home...........................           10.32           18.17            6.54           11.68
            Other linens........................            1.05            1.04            0.86            0.98
          Furniture.............................          319.44          297.24          316.15          310.94
            Mattress and springs................           41.86           35.82           38.97           38.88
            Other bedroom furniture.............           39.75           46.24           57.57           47.85
            Sofas...............................           65.44           65.48           70.67           67.20
            Living room chairs..................           35.91           34.99           30.70           33.87
            Living room tables..................           20.16           14.24           17.63           17.34
            Kitchen, dining room furniture......           58.64           46.11           42.37           49.04
            Infants' furniture..................            7.01            7.58            6.74            7.11
            Outdoor furniture...................           12.57           13.59           11.02           12.39
            Occasional furniture................           38.12           33.18           40.48           37.26
          Floor coverings.......................           70.23          128.97           61.08           86.76
            Wall-to-wall carpeting (renter).....            2.41            2.02            2.57            2.33
              Wall-to-wall carpet, installed
               (renter).........................            1.73            1.56            2.05            1.78
              Wall-to-wall carpet, not installed
               carpet squares (renter)..........            0.68            0.46            0.52            0.55
            Wall-to-wall carpet (replacement)
             (owned home).......................           42.57           34.99           29.06           35.54
              Wall-to-wall carpet, not installed
               (replace.), carpet squares (owned
               home)............................            3.04            2.91            1.89            2.61
              Wall-to-wall carpet, installed
               (replacement) (owned home).......           39.53           32.08           27.17           32.93
            Room size rugs and other floor
             covering, nonpermanent.............           25.25           91.96           29.45           48.89
          Major appliances......................          172.90          131.98          144.89          149.92
            Dishwashers (built-in), garbage
             disposals, range hood, (renter)....            0.24            0.98            0.16            0.46
            Dishwashers (built-in), garbage
             disposals, range hoods (owned home)           10.05            9.54            7.21            8.93
            Refrigerators, freezers (renter)....           11.18            7.51            8.38            9.02
            Refrigerators, freezers (owned home)           39.29           25.85           33.30           32.81
            Washing machines (renter)...........            6.56            4.28            6.28            5.71
            Washing machines (owned home).......           17.96           17.22           15.85           17.01
            Clothes dryers (renter).............            4.18            2.34            3.35            3.29
            Clothes dryers (owned home).........           10.35            7.05            9.78            9.06
            Cooking stoves, ovens (renter)......            2.87            2.18            3.11            2.72
            Cooking stoves, ovens (owned home)..           19.55           13.20           14.81           15.85
            Microwave ovens (renter)............            4.47            2.09            3.09            3.22
            Microwave ovens (owned home)........            9.81            4.85            4.74            6.47
            Portable dishwasher (renter)........            0.31            0.14            0.11            0.19
            Portable dishwasher (owned home)....            1.33            0.24            1.15            0.91
            Window air conditioners (renter)....            2.43            1.12            1.18            1.58
            Window air conditioners (owned home)            8.23            7.61            3.31            6.38
            Electric floor cleaning equipment...           14.62           15.03           13.63           14.43
            Sewing machines.....................            6.08            5.19            5.15            5.47
            Miscellaneous household appliances *            3.39            5.56           10.29            6.41
          Small appliances, miscellaneous
           housewares...........................           60.51           83.38           86.46           76.78
            Housewares..........................           39.14           57.82           62.47           53.14
              Plastic dinnerware................            1.83            1.79            1.61            1.74
              China and other dinnerware........           10.31           11.56           11.60           11.16
              Flatware..........................            3.44            4.07            3.97            3.83
              Glassware *.......................            9.79            7.08           13.59           10.15

[[Page 4089]]

              Silver serving pieces *...........            0.27            3.83            1.35            1.82
              Other serving pieces..............            1.36            1.78            1.59            1.58
              Nonelectric cookware *............           12.14           11.67           11.66           11.82
              Tableware, nonelectric kitchenware
               *................................              NA           16.02           17.08           16.55
            Small appliances....................           21.37           25.56           23.99           23.64
              Small electric kitchen appliances.           14.17           18.05           18.75           16.99
              Portable heating and cooling
               equipment........................            7.20            7.52            5.23            6.65
          Miscellaneous household equipment.....          382.11          503.48          481.19          455.59
            Window coverings....................           13.72           12.79           17.37           14.63
            Infants' equipment *................            3.77           10.62            5.52            6.64
            Laundry and cleaning equip *........            8.52            9.19           10.99            9.57
            Outdoor equipment...................            4.73            6.20            4.83            5.25
            Clocks..............................            5.46            4.45            3.38            4.43
            Lamps and lighting fixtures *.......           28.40           22.80           26.10           25.77
            Other household decorative items *..           80.30          107.69          111.16           99.72
            Telephones and accessories *........            7.25           62.21           20.55           30.00
            Lawn and garden equipment...........           49.12           39.58           43.15           43.95
            Power tools.........................           14.39           13.25           16.15           14.60
            Small miscellaneous furnishings *...            3.39            5.23            1.15            3.26
            Hand tools *........................           13.67           11.71           14.07           13.15
            Indoor plants, fresh flowers *......           41.42           57.80           53.49           50.90
            Closet and storage items *..........            4.62            6.99           12.21            7.94
            Rental of furniture.................            3.20            3.36            3.67            3.35
            Luggage.............................            8.72            7.49            7.04            7.75
            Computers and computer hardware
             nonbusiness use....................           39.66           63.64           63.66           55.72
            Computer software and accessories
             for nonbusiness use................            7.36            8.69            9.48            8.51
            Telephone answering devices.........            4.23            5.00            4.64            4.62
            Calculators.........................            1.99            2.56            1.57            2.04
            Business equipment for home use.....            6.20            5.02            4.23            5.15
            Other hardware *....................            6.95           11.83           13.74           10.84
            Smoke alarms (owned home)...........            0.54            0.38            0.47            0.46
            Smoke alarms (renter)...............            0.15            0.09            0.06            0.10
            Smoke alarms (owned vacation).......            0.00              NA              NA            0.00
            Other household appliances (owned
             home)..............................            4.25            4.63            4.40            4.43
            Other household appliances (renter).            1.35            0.87            0.99            1.07
            Miscellaneous household equipment
             and parts *........................           18.73           19.42           27.08           21.74
  Apparel and services..........................        1,537.27        1,801.23        1,732.90        1,690.47
    Men and boys................................          400.67          448.88          436.86          428.80
      Men, 16 and over..........................          318.80          357.81          353.05          343.22
        Men's suits.............................           41.20           39.20           43.98           41.46
        Men's sportcoats, tailored jackets......           15.57           13.84           12.04           13.82
        Men's coats and jackets *...............           29.30           30.48           26.12           28.63
        Men's underwear *.......................            9.72           12.26           14.13           12.04
        Men's hosiery *.........................           10.34           12.60           13.73           12.22
        Men's nightwear *.......................            2.89            6.24            5.84            4.99
        Men's accessories *.....................           22.88           34.42           33.64           30.31
        Men's sweaters and vests................           17.65           13.47           13.11           14.74
        Men's active sportswear.................           12.10           12.15           11.96           12.07
        Men's shirts *..........................           74.17           87.10           87.25           82.84
        Men's pants *...........................           70.76           77.09           70.18           72.68
        Men's shorts, shorts sets *.............            8.29           13.53           16.40           12.74
        Men's uniforms..........................            3.16            5.00            3.70            3.95
        Men's costumes..........................            0.77            0.42            0.98            0.72
      Boys 2 to 15..............................           81.86           91.07           83.82           85.58
        Boys' coats and jackets *...............            9.48            4.36            5.73            6.52
        Boys' sweaters..........................            3.73            3.09            2.70            3.17
        Boys' shirts *..........................           20.55           21.80           19.50           20.62
        Boys' underwear *.......................            1.55            4.96            4.89            3.80
        Boys' nightwear *.......................            2.79            2.21            2.83            2.61
        Boys' hosiery *.........................            3.99            4.97            4.26            4.41
        Boys' accessories *.....................            2.77            4.58            5.19            4.18
        Boys' suits, sportcoats, vests *........            3.00            0.51            2.13            1.88
        Boys' pants *...........................           24.70           24.72           19.41           22.94
        Boys' shorts, shorts sets *.............            3.91           11.51            9.03            8.15
        Boys' uniforms, active sportswear.......            5.10            7.43            7.30            6.61
        Boys' costumes..........................            0.29            0.93            0.85            0.69
    Women and girls.............................          608.90          724.73          703.40          679.01
      Women, 16 and over........................          509.83          624.19          607.23          580.42
        Women's coats and jackets *.............           33.49           40.55           58.80           44.28

[[Page 4090]]

        Women's dresses *.......................           83.27          118.10           89.96           97.11
        Women's sportcoats, tailored jackets *..            0.84            6.02            3.90            3.59
        Women's vests and sweaters *............           36.74           46.00           40.43           41.06
        Women's shirts, tops, blouses *.........           85.55          114.03          106.20          101.93
        Women's skirts *........................           29.28           28.63           21.52           26.48
        Women's pants *.........................           66.85           69.35           79.18           71.79
        Women's shorts, shorts sets *...........           14.23           20.40           23.33           19.32
        Women's active sportwear *..............           23.13           28.54           32.91           28.19
        Women's sleepwear *.....................           22.57           20.98           25.33           22.96
        Women's undergarments *.................           24.38           27.53           33.13           28.35
        Women's hoisery.........................           25.85           27.13           25.01           26.00
        Women's suits...........................           28.04           33.54           30.71           30.76
        Women's accessories *...................           34.46           38.59           33.98           35.68
        Women's uniforms *......................            1.15            1.47            1.82            1.48
        Women's costumes........................            0.00            3.34            1.01            1.45
      Girls, 2 to 15............................           99.08          100.53           96.17           98.59
        Girls' coats and jackets................            7.95            6.71            7.66            7.44
        Girls' dresses, suits...................           12.02           13.87           13.23           13.04
        Girls' shirts, blouses, sweaters *......           30.19           23.20           22.42           25.27
        Girls' shirts and pants.................           16.37           15.56           14.87           15.60
        Girls' shorts, shorts sets..............            6.41            8.41            9.83            8.22
        Girls' active sportwear *...............            9.32           10.66            8.41            9.46
        Girls' underwear and sleepwear..........            5.92            6.16            6.26            6.11
        Girls' hoisery *........................            4.88            6.09            5.05            5.34
        Girls' accessories *....................            4.08            5.49            4.50            4.69
        Girls' uniforms.........................            1.46            2.26            1.86            1.86
        Girls' costumes.........................              NA            2.12            2.08            2.10
      Children under 2..........................           63.60           85.67           80.39           76.55
        Infant coat, jacket, snowsuit...........            3.17            2.99            3.25            3.14
        Infant dresses, outerwear...............           14.98           17.87           20.75           17.87
        Infant underwear *......................           36.68           51.00           46.85           44.84
        Infant nightwear, loungewear............            3.19            3.11            4.26            3.52
        Infant accessories......................            3.06            5.15            5.28            4.50
        Infant hoisery..........................            0.41            0.10              NA            0.10
      Footwear *................................          204.13          258.04          243.05          235.07
        Men's footwear *........................           62.95           72.47           73.53           69.65
        Boys' footwear *........................           18.19           29.42           31.65           26.42
        Women's footwear *......................          104.54          128.82          115.47          116.28
        Girls' footwear *.......................           18.46           27.33           22.41           22.73
      Other apparel products and services.......          259.97          283.91          269.19          271.02
        Material for making clothes.............            8.12            9.10            8.58            8.60
        Sewing patterns and notions.............            2.15            3.00            2.56            2.57
        Watches.................................           21.65           20.45           20.47           20.86
        Jewelry.................................          110.35          121.45          108.73          113.51
        Shoe repair and other shoe service......            3.46            4.27            3.47            3.73
        Coin-operated apparel laundry and dry
         cleaning...............................           34.25           37.63           38.61           36.83
        Apparel alteration and repair...........            6.05            6.23            6.02            6.10
        Clothing rental.........................            4.77            4.02            3.56            4.12
        Watch and jewelry repair................            5.72            6.94            5.54            6.07
        Apparel laundry and dry cleaning not
         coin operated..........................           62.72           69.99           70.94           67.88
        Clothing storage........................            0.75            0.83            0.71            0.76
  Transportation................................        5,140.21        5,235.41        5,232.14        5,202.59
    Vehicle purchases (net outlay)..............        2,388.19        2,154.04        2,167.03        2,236.42
      Cars and trucks, new......................        1,391.73        1,072.55        1,095.97        1,186.75
        New cars................................          991.60          749.65          749.56          830.27
        New trucks..............................          400.13          322.90          346.42          356.48
      Car and trucks, used......................          971.12        1,060.67        1,033.39        1,021.73
        Used cars...............................          754.27          742.29          737.98          744.85
        Used trucks.............................          216.85          318.39          295.42          276.89
      Other vehicles............................           25.34           20.82           37.66           27.94
        New motorcycles.........................            5.21            2.87           18.06            8.71
        New aircraft............................            0.00              NA              NA            0.00
        Used motorcycles........................           15.86           17.95            9.04           14.28
        Used aircraft...........................            4.27              NA           10.57            7.42
    Gasoline and motor oil......................          933.90          998.10          972.68          968.23
      Gasoline..................................          812.03          884.83          868.13          855.00
      Diesel fuel...............................           12.01            9.23            9.86           10.37
      Gasoline on out-of-town trips.............           96.47           91.98           82.43           90.29
      Gasahol *.................................            0.00              NA              NA           0.00

[[Page 4091]]

      Motor oil.................................           12.55           11.31           11.44           11.77
      Motor oil on out-of-town trips............            0.85            0.74            0.83            0.81
    Other vehicle expenses......................        1,552.56        1,775.67        1,805.62        1,711.28
      Vehicle finance charges...................          284.70          280.20          258.96          274.62
        Automobile finance charges..............          196.25          190.05          169.13          185.14
        Truck finance charges...................           71.94           75.90           71.72           73.19
        Motorcycle and plane finance charges....            1.67            0.50            1.93            1.37
        Other vehicle finance charges...........           14.85           13.76           16.18           14.93
      Maintenance and repairs...................          568.66          641.71          627.51          612.63
        Coolant, additives, brake, transmission
         fluids.................................            7.15            6.94            6.77            6.95
        Tires--purchased, replaced, installed...           86.22           85.76           92.70           88.23
        Parts, equipment, and accessories *.....           86.80          100.00           75.63           87.48
        Vehicle products *......................            3.92            3.19            3.14            3.42
        Misc. auto repair, servicing *..........           17.18           22.31           20.13           19.87
        Body work and painting..................           34.71           30.35           32.21           32.42
        Clutch, transmission repair.............           34.54           35.98           34.71           35.08
        Drive shaft and rear-end repair.........            7.58            6.97            7.96            7.50
        Brake work..............................           33.05           42.57           43.87           39.83
        Repair to steering or front-end.........           11.64           12.69           15.62           13.32
        Repair to engine cooling system.........           22.87           24.02           24.59           23.83
        Motor tune-up...........................           40.07           46.97           46.95           44.66
        Lube, oil change, and oil filters.......           24.67           33.01           35.54           31.07
        Front-end alignment, wheel balance......            9.30           11.64           12.40           11.11
        Shock absorber replacement..............            6.01            9.13            8.25            7.80
        Brake adjustment........................            4.75            6.83            5.13            5.57
        Gas tank repair, replacement *..........            0.09            1.18            1.60            0.96
        Repair tires and other repair work......           29.23           33.15           33.63           32.00
        Exhaust system repair...................           14.55           18.36           18.29           17.07
        Electrical system repair................           20.35           26.00           28.19           24.85
        Motor repair, replacement...............           63.53           79.50           73.60           72.21
        Auto repair service policy..............            8.54            5.18            6.60            6.77
      Vehicle insurance.........................          515.06          619.68          638.83          591.19
      Vehicle rental, leases, licenses, other
       charges..................................          184.14          234.08          280.31          232.84
        Leased and rented vehicles..............           68.54           95.89          125.45           96.63
          Rented vehicles.......................              NA           33.77           32.93           33.35
            Auto rental.........................           44.36           12.42            8.36           21.71
            Auto rental, out-of-town trips......            6.78           15.41           16.16           12.78
            Truck rental........................           12.51            2.10            2.71            5.77
            Truck rental, our-of-town trips.....            3.99            2.49            5.20            3.89
            Motorcycle rental...................            0.00              NA              NA            0.00
            Aircraft rental.....................            0.47            0.27            0.24            0.33
            Motorcycle rental, out-of-town trips            0.04            0.50            0.07            0.20
            Aircraft rental, out-of-town trips..            0.40            0.58            0.20            0.39
          Leased vehicles.......................              NA           62.11           92.52           77.32
            Car lease payments..................              NA           47.74           69.08           58.41
            Cash downpayment (car lease)........              NA            2.12            8.22            5.17
            Termination fee (car lease).........              NA            0.16            0.14            0.15
            Truck lease payments................              NA           11.01           12.47           11.74
            Cash downpayment (truck lease)......              NA            1.09            1.52            1.31
            Termination fee (truck lease).......              NA              NA            1.08            1.08
          State and local registration..........           67.04           75.17           87.09           76.43
          Driver's license......................            6.59            7.27            7.41            7.09
          Vehicle inspection....................            6.33            8.31            9.03            7.89
          Parking fees..........................           20.50           23.86           23.01           22.46
            Parking fees (old)..................              NA            1.34            0.00            0.67
            Parking fees in home city, excluding
             residence..........................              NA           19.97           20.52           20.25
            Parking fees, out-of-town trips.....              NA            2.54            2.49            2.52
          Tolls *...............................            5.96            8.71           10.98            8.55
          Tolls on out-of-town trips............            4.12            4.51            4.18            4.27
          Towing charges........................            5.05            4.89            5.02            4.99
          Automobile service clubs..............              NA            5.48            8.14            6.81
        Public transportation...................          265.56          307.60          286.82          286.66
          Airline fares.........................          176.01          183.39          173.89          177.76
          Intercity bus fares...................           14.30            7.84           10.90           11.01
          Intracity mass transit fares..........           41.07           54.01           48.57           47.88
          Local trans. on out-of-town trips.....            0.54            3.34            8.74            4.21
          Taxi fares on trips...................            4.86           17.17            5.14            9.06
          Taxi fares............................            5.89            6.78            6.46            6.38
          Intercity train fares.................            9.04           14.66           17.38           13.69

[[Page 4092]]

          Ship fares............................           13.00           19.63           14.54           15.72
          School bus............................            0.86            0.77            1.21            0.95
      Health care...............................        1,282.43        1,563.01        1,653.66        1,499.70
        Health insurance........................          473.36          652.12          727.65          617.71
          Commercial health insurance...........          165.28          213.85          232.16          203.76
          Blue Cross, Blue Shield...............          116.52          148.51          173.35          146.13
          Health maintenance plans (HMO's)......           48.48           95.76           90.57           78.27
          Medicare payments.....................           78.60          101.70          111.33           97.21
          Commercial medicare supplements.......           64.48           92.29          120.24           92.34
        Medical services........................          512.73          561.20          546.03          539.99
          Physician's services..................          149.19          179.39          170.75          166.44
          Dental services.......................          150.89          179.38          174.32          168.20
          Eyecare services......................           22.70           25.60           29.20           25.83
          Nursing, therapy, and misc. medical
           services (old).......................            4.21            0.44              NA            2.33
          Service by professionals other than
           physician............................           22.62           29.39           32.66           28.22
          Lab tests, x-rays.....................           26.78           25.91           31.35           28.01
          Hospital room.........................           54.96           36.47           37.42           42.95
          Hospital service other than room......           26.61           53.30           44.63           41.51
          Medical care in retirement community..              NA              NA              NA              NA
          Care in convalescent or nursing home..           40.86           21.05           13.48           25.13
          Repair of medical equipment *.........            0.05              NA              NA            0.05
          Other medical care services...........           13.86            8.07           12.24           11.39
        Drugs...................................          225.28          258.20          284.99          256.16
          Nonprescription drugs *...............           65.79           73.86           80.16           73.27
          Prescription drugs....................          159.49          184.34          204.83          182.89
        Medical supplies........................           71.06           91.49           94.98           85.84
          Eyeglasses and contact lenses.........           45.18           59.02           57.35           53.85
          Hearing aids *........................            .0..            3.50            7.13            3.54
          Topicals and dressings *..............           14.40           21.63           24.32           20.12
          Medical equipment for general use.....            5.29            2.32            2.25            3.29
          Supportive and convalescent medical
           equipment............................            5.70            3.48            2.85            4.01
          Rental of medical equipment...........            0.50            0.35            0.35            .040
          Rental of supportive, convalescent
           medical equipment....................              NA            1.19            0.74            0.97
      Entertainment.............................        1,348.90        1,523.49        1,525.52        1,465.97
        Fees and admissions.....................          351.99          384.49          375.11          370.53
          Recreation expenses, out-of-town trips           17.85           16.61           15.32           16.59
          Club membership dues and fees (old)...           76.68           24.30              NA           50.49
          Social, recreation, civic club
           membership...........................              NA           59.85           85.24           72.55
          Fees for participation sports.........           46.90           69.06           61.15           59.04
          Participation sports, out-of-town
           trips................................           18.96           20.12           21.17           20.08
          Movie, theater, opera, ballet.........           61.08           66.54           64.92           64.18
          Movie, other admissions, out-of-town
           trips................................           25.91           19.72           27.20           24.28
          Admission to sporting events..........           19.63           20.69           22.94           21.09
          Admission to sports events, out-of-
           town trips...........................           25.91           17.42            9.08           17.47
          Fees for recreational lessons.........           41.23           53.57           52.76           49.19
          Other entertainment services, out-of-
           town trips...........................           17.85           16.61           15.32           16.59
        Television, radios, sound equipment.....          422.50          476.38          493.86          464.25
          Televisions...........................          295.95          328.75          331.31          318.67
            Community antenna or cable tv.......          137.94          180.20          188.40          168.85
            Black and white tv *................            2.84            1.81            3.06            2.57
            Color tv--console...................           23.60           18.13           21.37           21.03
            Color tv--portable, table model.....           43.50           44.32           41.51           43.11
            VCR's and video disc players........           47.70           40.40           31.41           39.84
            Video cassettes, tapes, and discs...           13.44           17.60           18.88           16.64
            Video game hardware and software....           14.88           15.04           16.25           15.39
            Repair of tv, radio, and sound
             equipment..........................           10.43           10.23            9.60           10.09
            Rental of televisions...............            1.61            1.03            0.81            1.15
          Radios, sound equipment...............          126.55          147.62          162.55          145.57
            Radios *............................            4.84           10.24           10.71            8.60
            Phonographs *.......................            0.53            0.60            0.87            0.67
            Tape recorders and players *........           10.50            5.75            5.32            7.19
            Sound components and component
             systems............................           28.64           30.53           35.56           31.58
            Miscellaneous sound equipment.......            0.16            0.34            1.68            0.73
            Sound equipment accessories *.......            4.29            3.22            4.28            3.93
            Compact disc, tape, record and video
             mail order clubs...................            4.17            8.04            8.97            7.06
            Records, CDs, audio tapes, needles..           25.86           29.54           31.01           28.80
            Rental of VCR, radio, and sound
             equipment..........................            1.59            0.70            0.79            1.03
            Musical instruments and accessories.           20.58           16.03           20.45           19.02
            Rental and repair of musical
             instruments........................            2.12            2.42            2.11           2.22

[[Page 4093]]

            Rental of video cassettes, tapes,
             films, and discs...................           23.27           40.22           40.79           34.76
        Pets, toys, and playground equipment....          242.26          286.11          281.46          269.94
          Pets..................................          136.31          168.99          167.12          157.47
            Pet food *..........................           66.61           85.02           84.94           78.86
            Pet purchase, supplies, medicine....           25.23           23.73           24.72           24.56
            Pet services........................           10.64           16.52           13.87           13.68
            Vet services........................           33.84           43.72           43.58           40.38
          Toys, games, hobbies, and tricycles...          102.96          112.46          112.38          109.27
          Playground equipment..................            2.98            4.66            1.96            3.20
        Other entertainment supplies, equipment,
         and services...........................          332.16          376.51          375.10          361.26
          Unmotored recreational vehicles.......           24.02           41.05           33.20           23.76
            Boat without motor and boat trailers           18.32            3.85           14.72           12.30
            Trailer and other attachable campers            5.70           10.20           18.48           11.46
          Motorized recreational vehicles.......          137.44          154.19          142.45          144.69
            Motorized camper coaches and other
             vehicles...........................           38.79           75.13           77.70           63.87
            Purchase of boat with motor.........           98.65           79.05           64.75           80.82
          Rental of recreational vehicles.......            2.33            3.71            1.90            2.65
            Rental noncamper trailer............            0.06            0.03            0.05            0.05
            Boat and trailer, out-of-town trips.            0.94            2.13            0.47            1.18
            Rental of campers and other vehicles
             on out-of-town trips (old).........            0.58              NA              NA            0.58
            Rental of campers on out-of-town
             trips..............................              NA            0.17            0.54            0.36
            Rental of other vehicles on out-of-
             town trips.........................              NA            1.09            0.40            0.75
            Rental of boat......................            0.23            0.02            0.05            0.10
            Rental of campers, other r.v.'s.....            0.52            0.27            0.39            0.39
          Outboard motors.......................            1.28            1.91            2.17            1.79
          Docking and landing fees..............            5.33            4.50            5.77            5.20
          Sports, recreation and exercise
           equipment............................           86.67          111.11          102.67          100.15
            Athletic gear, game tables, and
             exercise equipment.................           34.85           45.33           45.98           42.05
            Bicycles............................           12.28           19.23           16.46           15.99
            Camping equipment...................            3.26            4.50            3.77            3.84
            Hunting and fishing equipment.......           15.91           20.54           16.92           17.79
            Winter sports equipment.............            4.86            5.30            3.19            4.45
            Water and miscellaneous sports
             equipment..........................           13.20           14.50           14.68           14.13
            Rental and repair of misc. sports
             equipment..........................            2.31            1.70            1.68            1.90
          Photographic equipment and supplies...           69.61           81.69           81.66           77.65
            Film................................           19.96           21.01           20.32           20.43
            Other photographic supplies *.......            0.64            1.43            0.17            0.75
            Film processing.....................           25.21           28.58           27.09           26.96
            Repair and rental of photographic
             equipment..........................            0.24            0.55            0.39            0.39
            Photographic equipment..............           15.43           14.65           13.47           14.52
            Photographic fees *.................            8.12           15.47           20.23           14.61
          Fireworks *...........................            0.51            1.08            0.63            0.74
          Souvenirs *...........................            0.44            0.45            1.21            0.70
          Visual goods *........................            0.76            1.09            0.57            0.81
          Pinball, electronic video games *.....            3.78            2.72            2.88            3.13
        Personal care products and services.....          345.68          418.96          408.21          390.95
          Personal care products................          179.05          228.19          223.41          210.22
            Hair care products *................           40.57           45.03           42.44           42.68
            Nonelectric articles for the hair *.            4.26            6.41            5.35            5.34
            Wigs and hairpieces.................            1.07            1.77            1.23            1.36
            Oral hygiene products, articles *...           18.16           27.93           28.07           24.72
            Shaving needs *.....................            8.49           10.65            9.46            9.53
            Cosmetics, perfume, bath preparation
             *..................................           77.63           98.28          103.29           93.07
            Deodorants, feminine hygiene, misc.
             personal care *....................           23.52           32.28           28.78           28.19
            Electric personal care appliances...            5.35            5.85            4.80            5.33
          Personal care services................          166.63          190.77          184.80          180.73
            Personal care service for females *.           89.35          103.69           98.60           97.21
            Personal care service for males.....           77.12           86.99           86.08           83.40
            Repair of personal care appliances..            0.16            0.09            0.12            0.12
        Reading.................................          152.49          168.07          165.57          162.04
          Newspapers............................           63.99           70.41           70.60           68.33
          Magazines.............................           38.92           39.74           38.78           39.15
          Newsletters *.........................            0.04            0.27            0.67            0.33
          Books thru book clubs.................           10.63           12.22           10.56           11.14
          Books not thru book clubs.............           35.24           40.22           41.38           38.95
          Encyclopedia and other sets of
           reference books......................            3.67            5.21            3.58            4.15
        Education...............................          324.43          433.88          423.79          394.03
          College tuition.......................          176.75          230.54          237.86          215.05
          Elementary and high school tuition....           53.20           65.77           69.99          62.99

[[Page 4094]]

          Other school tuition..................           15.29           39.08           16.39           23.59
          Other school expenses including
           rentals..............................           15.78           17.66           18.40           17.28
          School books, supplies, equipment for
           college..............................           26.56           37.22           36.94           33.57
          School books, supplies, equipment for
           elementary high school...............            6.23            6.41            6.89            6.51
          School books, supplies, equipment for
           day care, nursery, other.............            2.52            3.11            3.64            3.09
          School supplies, etc.--unspecified *..           28.10           34.10           33.67           31.96
        Tobacco products and smoking supplies...          242.33          277.79          278.59          266.24
          Cigarettes............................          224.61          255.97          256.67          245.75
          Other tobacco products................           15.28           18.68           19.51           17.82
          Smoking accessories *.................            2.44            3.14            2.41            2.66
        Miscellaneous...........................          597.58          877.79          794.63          756.67
          Miscellaneous fees, pari-mutuel losses
           *....................................           38.61           48.28           60.93           49.27
          Legal fees............................          104.50           80.65           88.62           91.26
          Funeral expenses......................           49.32           54.07           51.73           51.71
          Safe deposit box rental...............            5.69            6.18            5.88            5.92
          Checking accounts, other bank service
           charges..............................           25.19           25.63           26.45           25.76
          Cemetary lots, vaults, maintenance
           fees.................................           17.66           15.42           16.64           16.57
          Accounting fees.......................           39.87           46.16           47.58           44.54
          Miscellaneous personal services *.....           23.02           32.25           41.90           32.39
          Finance charges excluding mortgage and
           vehicle..............................          203.45          253.58          227.00          228.01
          Occupational expenses.................           90.26           99.47          109.07           99.60
          Expenses for other properties.........              NA          207.48          110.86          159.17
          Interest paid, home equity line of
           credit (other property)..............              NA            1.77            0.80            1.29
          Credit card memberships...............              NA            6.86            7.17            7.02
        Cash contributions......................          730.19        1,040.14        1,020.99          930.44
          Cash contributions to non-CU memo.,
           incl. stud., alim., and child sup....          179.06          277.71          240.72          232.50
          Gifts of cash, stocks and bonds to non-
           CU members...........................          149.99          219.98          249.31          206.43
          Contributions to charity..............           69.16           97.36          105.65           90.72
          Contributions to church...............          295.54          407.43          378.37          360.45
          Contributions to educational
           organizations........................           17.97           21.71           31.50           23.73
          Contributions to political
           organizations........................            7.29            7.64            7.22            7.38
          Other contributions...................           11.18            8.31            8.21            9.23
        Personal insurance and pensions.........        2,532.36        3,141.56        3,083.40        2,919.11
          Life and other personal insurance.....          324.17          353.85          354.24          344.09
            Life, endowment, annuity, other
             personal insurance.................          312.04          340.55          342.74          331.78
            Other nonhealth insurance...........           12.13           13.30           11.50           12.31
          Pensions and Social Security..........        2,208.19        2,787.71        2,729.16        2,575.02
            Deductions for government retirement           65.36           80.17           77.00           74.18
            Deductions for railroad retirement..            6.23            4.55            3.03            4.60
            Deductions for private pensions.....          156.10          268.34          264.82          229.75
          Non-payroll deposit to retirement
           plans................................          297.28          334.61          337.62          323.17
          Deductions for Social Security........        1,683.21        2,100.03        2,046.70       1,943.31
----------------------------------------------------------------------------------------------------------------
* Data may not be statistically significant.
Source: Bureau of Labor Statistics.

                                    Appendix 4.--Consumer Expenditure Surveys
                            [Pre-published Data for All Consumer Units Nationwide *]
----------------------------------------------------------------------------------------------------------------
                                     $10,000 to   $15,000 to   $20,000 to   $30,000 to   $40,000 to  $50,000 and
                                      $14,999      $19,999      $29,999      $39,999      $49,999        over
----------------------------------------------------------------------------------------------------------------
Average Income Before Taxes:
    1988..........................      $12,320      $17,373      $24,591      $34,375      $44,331      $74,234
    1991..........................       12,430       17,301       24,816       34,402       44,548       79,902
    1992..........................       12,437       17,420       24,560       34,439       44,442       81,602
        Average...................       12,396       17,365       24,656       34,405       44,440       78,579

Goods and Services:
    1988..........................     6,597.54     7,756.96     9,611.82    12,243.04    14,412.54    19,712.67
    1991..........................     7,262.65     8,319.82     9,715.90    13,134.61    14,944.06    21,598.60
    1992..........................     6,735.63     8,878.05    10,200.76    12,021.89    15,600.83    20,967.28
        Average...................     6,865.27     8,318.28     9,842.83    12,466.51    14,985.81    20,759.52

Food at Home:
    1988..........................     1,809.23     1,954.49     2,174.01     2,556.74     2,906.55     3,109.86
    1991..........................     2,267.82     2,379.01     2,517.57     2,959.22     3,321.94     3,841.29
    1992..........................     2,060.61     2,473.08     2,558.40     2,785.24     3,265.99     3,799.25
        Average...................     2,045.89     2,268.86     2,416.66     2,767.07     3,164.83     3,583.47


[[Page 4095]]

Food Away from Home:
    1988..........................       968.10     1,240.03     1,591.02     2,030.75     2,375.06     3,186.24
    1991..........................       945.30     1,084.27     1,316.78     1,803.69     2,316.13     3,113.47
    1992..........................       841.79     1,201.22     1,405.80     1,771.87     2,354.17     3,131.93
        Average...................       918.40     1,175.17     1,437.87     1,868.77     2,348.45     3,143.88

Alcohol:
    1988..........................       182.87       235.22       290.56       343.77       352.96       506.47
    1991..........................       140.42       248.53       270.50       389.51       404.39       563.87
    1992..........................       200.85       223.45       324.37       313.65       374.96       590.09
        Average...................       174.71       235.73       295.14       348.98       377.44       553.48

Domestic Services:
    1988..........................        82.78       119.28       166.06       275.08       311.41       321.27
    1991..........................       170.38       109.83       174.63       229.79       273.86       469.21
    1992..........................       151.62       129.29       147.99       222.40       398.61       559.53
        Average...................       134.93       119.47       161.89       242.42       327.96       450.00

Furnishings & Household
 Operations:
    1988..........................       956.43     1,145.52     1,509.87     2,010.78     2,306.76     3,895.22
    1991..........................     1,009.62     1,125.48     1,466.95     2,104.83     2,361.30     3,924.40
    1992..........................       970.65     1,370.53     1,587.26     1,932.32     2,427.52     3,651.88
        Average...................       978.90     1,213.84     1,521.36     2,015.98     2,365.19     3,823.83

Clothing:
    1988..........................       886.12     1,085.66     1,406.15     1,847.24     2,396.00     3,154.03
    1991..........................     1,093.80     1,178.28     1,325.86     1,951.82     2,186.30     3,520.50
    1992..........................       889.14     1,093.68     1,563.66     1,603.41     2,267.24     3,394.31
        Average...................       956.35     1,119.21     1,431.89     1,800.82     2,283.18     3,356.28

Recreation:
    1988..........................       895.72       969.87     1,333.56     1,695.89     2,224.56     3,435.75
    1991..........................       723.92       980.12     1,270.25     1,908.30     2,058.64     3,485.92
    1992..........................       755.24     1,146.23     1,302.99     1,726.85     2,558.20     3,374.39
        Average...................       791.63     1,032.07     1,302.23     1,777.01     2,280.47     3,432.02

Personal Care:
    1988..........................       249.04       282.21       324.70       420.30       478.79       651.43
    1991..........................       288.37       304.89       364.44       450.76       527.30       722.72
    1992..........................       229.68       340.56       376.85       405.19       528.27       702.54
        Average...................       255.70       309.22       355.33       425.42       511.45       692.23

Tobacco:
    1988..........................       221.48       250.05       262.82       292.87       249.43       270.28
    1991..........................       257.39       306.61       291.80       323.27       355.15       293.08
    1992..........................       242.99       287.66       296.57       321.75       321.76       300.33
        Average...................       240.62       281.44       283.73       312.63       308.78       287.90

Professional Services:
    1988..........................       345.77       474.63       553.17       769.62       811.02     1,182.12
    1991..........................       365.63       602.80       720.12     1,013.42     1,139.05     1,664.14
    1992..........................       393.06       612.35       636.87       939.21     1,104.11     1,463.01
        Average...................       368.15       563.26       636.72       907.42     1,018.06     1,436.42

Housing:
    1988..........................     4,455.88     4,682.00     5,835.92     6,974.54     7,990.62    11,502.63
    1991..........................     4,700.82     5,318.86     6,091.15     7,384.48     8,488.72    12,253.50
    1992..........................     5,063.74     5,566.03     6,434.77     7,383.31     9,071.67    12,721.51
        Average...................     4,740.15     5,188.96     6,120.61     7,247.44     8,517.00    12,159.21

Transportation:
    1988..........................     3,127.01     3,840.91     5,302.92     6,704.50     7,779.21     9,714.71
    1991..........................     3,130.14     3,362.28     4,700.00     5,872.44     7,226.89     9,442.91
    1992..........................     2,853.92     3,398.88     4,905.01     5,824.45     7,113.95     9,664.47
        Average...................     3,037.02     3,534.02     4,969.31     6,133.80     7,373.35     9,607.36

Private Transportation:
    1988..........................     2,949.99     3,657.04     5,020.99     6,314.44     7,333.94     8,884.42
    1991..........................     2,952.36     3,118.89     4,434.71     5,473.96     6,809.12     8,535.49
    1992..........................     2,704.31     3,171.96     4,570.31     5,504.80     6,638.47     8,663.84
        Average...................     2,868.89     3,315.96     4,675.34     5,764.40     6,927.18     8,694.58

Air Fares and Other Transportation
 Expenses:
    1988..........................       177.02       183.87       281.93       390.06       445.27       830.29
    1991..........................       177.78       243.39       265.29       398.48       417.77       907.42
    1992..........................       149.61       226.92       334.70       319.65       475.46     1,000.63
        Average...................       168.14       218.06       293.97       369.40       446.17       912.78

Miscellaneous:

[[Page 4096]]

    1988..........................     2,421.18     3,159.62     3,955.36     5,414.71     7,030.39    10,554.42
    1991..........................     2,831.11     3,165.50     4,318.05     5,771.11     7,086.75    12,656.03
    1992..........................     2,530.29     3,280.40     4,349.33     5,801.25     7,754.49    12,924.24
        Average...................     2,594.19     3,201.84     4,207.58     5,662.36     7,290.54    12,044.90

Health Care:
    1988..........................     1,385.50     1,299.71     1,328.49     1,367.25     1,531.77     1,568.44
    1991..........................     1,350.11     1,422.83     1,559.13     1,612.87     1,690.72     2,137.27
    1992..........................     1,409.04     1,652.24     1,647.83     1,711.96     1,953.77     2,262.82
        Average...................     1,381.55     1,458.26     1,511.82     1,564.03     1,725.42     1,989.51

Cash Contributions:
    1988..........................       352.83       486.72       529.28       781.16       956.30     2,102.92
    1991..........................       764.72       647.89       728.00       863.26       986.19     2,418.40
    1992..........................       509.71       515.63       688.17       834.21     1,424.12     2,515.30
        Average...................       542.42       550.08       648.48       826.21     1,220.20     2,345.54

Personal Insurance:
    1988..........................       682.85     1,373.19     2,097.59     3,266.30     4,542.32     6,883.06
    1991..........................       716.28     1,094.78     2,030.92     3,294.98     4,409.84     8,100.36
    1992..........................       611.54     1,112.53     2,013.33     3,255.08     4,376.60     8,146.12
        Average...................       670.22     1,193.50     2,047.28     3,272.12     4,442.92     7,709.85
----------------------------------------------------------------------------------------------------------------
* Data may not be statistically significant.
Source: Bureau of Labor Statistics.

                                         Appendix 5.--Item Descriptions
----------------------------------------------------------------------------------------------------------------

----------------------------------------------------------------------------------------------------------------
Food at Home:
    Ground Beef.............................  Price per lb. of regular ground beef. Average size package. Loose,
                                               prepackaged. Do not price lean, ground chuck, or ground round.
    Round Steak, boneless...................  Price per lb. Average size package.
                                              1st choice: Boneless top round steak.
                                              2nd choice: Boneless bottom round steak.
    Round Roast, boneless...................  Price per lb. Average size package.
                                              1st choice: Boneless top round roast.
                                              2nd choice: Boneless rolled rump roast.
    Pork Chops, bone in.....................  Price per lb. Average size package.
                                              1st choice: Center cut, rib chops with bone.
                                              2nd choice: Loin chops with bone.
    Bacon, sliced...........................  Price for 16 oz. (1 lb.) package Oscar Mayer regular sliced bacon.
    Chicken, whole..........................  Price per lb. of 1 whole fryer chicken. If whole fryer not
                                               available, price a whole fryer chicken, cut up.
    Fish Filet, frozen......................  Price per lb of frozen ocean whitefish filet.
                                              1st choice: Cod.
                                              2nd choice: Haddock.
    Tuna, canned............................  Price for 6.13 oz. can chunk light, packed in water. (Not fancy
                                               style.)
                                              1st choice: Star Kist.
                                              2nd choice: Chicken of the Sea.
    Lunch Meat..............................  Price for 8 oz. pkg., Oscar Mayer.
                                              1st. choice: Bologna.
                                              2nd choice: Cotto salami or all-beef bologna.
    Ham, canned.............................  Price for 3 lb. tin of canned ham.
                                              1st choice: Hormel.
                                              2nd choice: Dubuque.
                                              Do not price Hormel's Supreme Cut ham.
    Frankfurters............................  Price for 16 oz. (1 lb.) package, Oscar Mayer all beef
                                               frankfurters.
    Eggs, large.............................  Price for one dozen.
    Fish, fresh.............................  Price per lb. of a salmon steak.
    Milk, 2%................................  Price for one gallon (128 fluid oz.), 2% store brand.
     Cheddar Cheese.........................  Price for 10 oz. package.
                                              1st choice: Kraft Cracker Barrel mild cheddar cheese.
                                              2nd choice: Kraft Cracker Barrel sharp yellow cheddar cheese.
    Ice Cream...............................  Price for \1/2\ gallon of the store brand vanilla ice cream.
                                              Do not price ice milk.
    Bread, white............................  Price for 16 oz. loaf of sliced, white bread. Do not price store
                                               brand.
                                              1st choice: Wonder.
                                              2nd choice: A regional brand.
    Spaghetti, dry..........................  Price for 16 oz. box or bag of spaghetti.
                                              1st choice: Creamettes.
                                              2nd choice: Muehler's.
                                              3rd choice: Golden Grain.
                                              4th choice: American Beauty.

[[Page 4097]]

    Cereal..................................  Price for 20 oz. box of Raisin Bran.
                                              1st choice: Post Raisin Bran.
                                              2nd choice: Kelloggs Raisin Bran.
                                              3rd choice: Cheerios.
                                              Do not price a size significantly different from 20 oz.
    Cookies.................................  Price for 20 oz. package of Nabisco Oreo Cookies.
    Frozen Waffles..........................  Price Kellog's Eggo Waffles, price 12 waffle package.
                                              Do not price a smaller size if a substitute brand is available of
                                               the equivalent size.
      Hamburger Buns........................  Price for 12 ox. (340 grams) package of 8 sliced regional brand
                                               enriched white hamburger buns. Do not Price store brand.
                                              1st choice: Wonder.
                                              2nd choice: A regional brand.
      Donuts................................  Price for box of 10 donuts weighing approximately 14 oz.
                                              Do not price fresh donuts from in-store bakery.
                                              1st choice: Hostess chocolate-covered donuts.
                                              2nd choice: Some other type of Hostess boxed donuts.
      Apples, fresh.........................  Price per lb. of apples, loose (not in bag). If only bagged apples
                                               are available, report the weight of the bag.
                                              1st choice: Red delicious apples.
                                              2nd choice: Golden delicious.
      Bananas, fresh........................  Price per lb. If bananas are priced by the bunch, report the price
                                               and weight of the bunch-use the store's scale if necessary.
      Tomatoes, fresh.......................  Price per lb. Price medium-size tomatoes if possible. Do not price
                                               organic or `hydro' fresh tomatoes.
      Potatoes..............................  Price of 10 lb. bag of Russet baking potatoes. Do not price loose
                                               potatoes. If 10 lb. bag is not available, substitute nearest size
                                               bag.
      Frozen Orange Juice...................  Price for 12 fluid oz. (makes 48 fluid oz.) can of Minute Maid
                                               frozen orange juice concentrate.
      Tomatoes Juice........................  Price for 46 fluid oz. can of tomato juice.
                                              1st choice: Campbell's.
                                              2nd choice: Libby's.
      Peaches, canned.......................  Price for 16 oz. can of sliced yellow cling peaches.
                                              1st choice: Del Monte.
                                              2nd choice: Libby's.
      Peas, frozen..........................  Price for 16 oz. pkg. of Green Giant frozen peas. Do not price
                                               peas with sauce.
                                              1st choice: Green Giant.
                                              2nd choice: Hanover.
      Green Beans, canned...................  Price for 16 oz. can of cut green beans.
                                              1st choice: Del Monte.
                                              2nd choice: Green Giant.
      Oranges, fresh........................  Price per lb. of loose navel oranges. If only bagged oranges are
                                               available, report the weight of the bag.
                                              1st choice: California navel oranges.
                                              2nd choice: Florida navel oranges.
      Lettuce, fresh........................  Price per lb. of iceberg lettuce. If lettuce is sold by the head,
                                               report the price and the weight of an average head and try to
                                               find equivalent size heads at each store.
      Celery, fresh.........................  Price per lb. for celery. Do not price celery hearts. If celery is
                                               only sold by the bunch, report the price and weight of an average
                                               bunch, and try to find equivalent size bunches at each store.
      Fruit Drink...........................  Price for 46 fluid oz. can.
                                              1st choice: Hawaiian Punch.
                                              2nd choice: HI-C, regular.
      Soft Drink............................  Price of 2 L (liter) plastic bottle.
                                              1st choice: Coca-Cola.
                                              2nd choice: Pepsi.
      Coffee, ground........................  Price for 13 oz. can of ground coffee.
                                              1st choice: Folger's Drip Grind.
                                              2nd choice: Maxwell House.
      Canned Soup...........................  Price for one can Campbell's soup.
                                              1st choice: Vegetable 10\1/2\ oz.
                                              2nd choice: Chicken Noodle 10\3/4\ oz.
    Snack Food..............................  Price for 6 oz. bag or box of potato chips.
                                              1st choice: Ruffles.
                                              2nd choice: Lays Dip Chips.
    Salt....................................  Price for 26 oz. box of iodized salt.
                                              1st choice: Morton.
                                              2nd choice: Ivory.
                                              3rd choice: Private Label.
    Ketchup.................................  Price for 28 oz. plastic squeeze bottle of ketchup.
                                              1st choice: Heinz.
                                              2nd choice: Del Monte.
    Cooking Oil.............................  Price for 48 fluid oz. bottle.
                                              1st choice: Crisco.
                                              2nd choice: Wesson.
    Margarine...............................  Price for 1 lb., four sticks.
                                              1st choice: Blue Bonnet.

[[Page 4098]]

                                              2nd choice: Parkay.
    Frozen Dinner...........................  Price for 11.5 oz. (326 grams) Swanson-Turkey, whipped potatoes,
                                               peas, and fruit compote, frozen dinner.
    Jello Gelatin...........................  Price for 3 oz. box of Jello Gelatin dessert.
    Baby Food...............................  Price for one 4.0 oz. jar of Gerber Second Foods strained
                                               vegetable or fruit.
    Candy Bar...............................  Price for one regular size candy bar. Do not price king-size or
                                               multipack candy bars.
                                              1st choice: 2.07 oz. Snickers.
                                              2nd choice: 1.55 oz. Hersheys.
    Sugar, granulated.......................  Price for 5 lb. bag of granulated cane or beet sugar. Do not price
                                               generic sugar.
                                              1st choice: Nonstore brand.
                                              2nd choice: Store brand.
    Bottled Water...........................  Price for one gallon (store brand) (128 fluid oz.) bottled spring
                                               water. Do not price sparkling or distilled water.
Food Away from Home:
    Breakfast...............................  Price for breakfast consisting of 2 strips of bacon or 2 sausages,
                                               2 eggs, toast, and coffee or juice. Report percentages added for
                                               tax, tip and service charge.
    Lunch...................................  Price for lunch consisting of a cheeseburger platter with fries
                                               and small soft drink. Report percentages added for tax, tip and
                                               service charge.
                                              One personal-size cheese pizza (or one slice of cheese pizza). Do
                                               not price salad or drink. Include gratuity.
    Dinner..................................  Price for a dinner consisting of a New York strip, small side dish
                                               (e.g., rice or potato), side salad or salad bar, and coffee. Meal
                                               should not include dessert. Report percentages added for tax, tip
                                               and service charge.
                                              One medium cheese pizza with regular crust (not thin or extra
                                               thick) and no extra toppings. Do not price salad or drink.
                                               Include gratuity.
    Fast Food Lunch/Diner...................  Price of a meal at a fast food establishment. Price for a Big Mac
                                               or Whopper, medium french fries and medium coke. Price a combo
                                               meal, if a suitable one is offered.
    Ice Cream Cone..........................  Price for regular (one scoop) vanilla ice cream cone.
Tobacco:
    Cigarettes, king size...................  Price for 1 carton (200 cigarettes) of Winston filter kings soft
                                               pack. Do not include sales tax.
Alcohol:
    Beer at Home............................  Price for a six-pack of 12 oz. cans of Budweiser (Puerto Rico--10
                                               oz). Do not price refrigerated beer.
    Wine at Home............................  Price for 750 ml. of Gallo white Chablis blanc.
    Beer Away...............................  Price for glass of Budweiser/Miller Lite beer. List percent for
                                               tax.
    Wine Away...............................  Price of house white wine. List percent for tax.
Furnishings, Households Operations:
    Appliance Repair........................  Price to replace digital clock and heating probe for Maytag oven
                                               Model #CRE9400ACL, Serial #1000100HB, Series #10. Include hourly
                                               rate, trip charge and parts cost.
    Housekeeping Services...................  Price per hour for biweekly cleaning. House approximately 2,000
                                               sq. ft. Family size four. Please complete items in the Comment
                                               Section. Services include the following:
                                              Bathroom(s)--Sanitize walls, floor, counter tops, bathtub, stool
                                              Kitchen--Sanitize walls, floor, counter tops, cabinets, appliances
                                              Living Room & Dining Room--Dust, polish furniture and vacuum
                                              Bedrooms--Dust, polish furniture and vacuum.
                                              If other services are included, please note.
    Moving..................................  Price per hour for a within-city move, two men with enclosed van.
                                               Include any van rental fees.
    Toilet Tissue...........................  Price for a 4 roll pack.
                                              1st choice: Cottonelle.
                                              2nd choice: Northern.
    Pen.....................................  Price for 10 pack Bic round stick medium pen.
    Postage.................................  Price for First Class postage for a letter.
    Laundry Soap............................  Price for 100 fluid oz. of liquid household laundry detergent.
                                              1st choice: Tide.
                                              2nd choice: Cheer.
    Plant Food..............................  Price for 8 oz. container of indoor plant food.
                                              1st choice: Miracle Grow.
                                              2nd choice: Peters.
    Bed Sheet Set...........................  Price for one set queen-size no-iron cotton & polyester percale
                                               sheets (180 thread count). One set consists of one fitted sheet,
                                               one flat sheet and two pillowcases. Do not price designer sheet
                                               sets. Price sheet sets with minimum design.
    Bath Towel..............................  Price for a 2750 inch Cannon Portofino bath towel made of 100%
                                               cotton.
    Living Room Chair.......................  Use catalog descriptions and stock numbers. Note that shipping is
                                               to be included.
    Bedroom Group...........................  Use catalog descriptions and stock numbers. Note that shipping is
                                               to be included.
    Dining Room Table.......................  Use catalog descriptions and stock numbers. Note that shipping is
                                               to be included.
    Washing Machine.........................  Price for large capacity washing machine with 4 water
                                               temperatures, 8 wash cycles, 4 water levels, white porcelain tub,
                                               self-clean lint filter, fabric softener dispenser and 2 speed
                                               combinations.
                                              1st choice: Maytag Model #LAT9604.
                                              2nd choice: General Electric Model #WWA8600.
                                              3rd choice: Whirlpool Model #LLR6233B.
    Kitchen Range...........................  Price for 30-inch electric range with upswept cooktop, removable
                                               coil elements, electronic clock with timer, oven light, delay-
                                               start cook control, storage drawer, self-cleaning oven with two
                                               oven racks and a porcelain enamel broiler pan.
                                              1st choice: Maytag Model #CRE9400.

[[Page 4099]]

                                              2nd choice: General Electric Model #JBP55GS.
                                              3rd choice: Whirlpool Model #RF385PXYW.
    Refrigerator............................  Price for no-frost top-mount 21 cubit ft. refrigerator with
                                               reversible doors and energy saver switch, 4 split glass shelves,
                                               sealed/moisture controlled crisper drawers, and double wall meat
                                               drawer. Door contains covered compartments and adjustable bins.
                                               Freezer has adjustable wire shelves, door bins and ice trays. Do
                                               not price models with ice cube makers, chilled water dispensers,
                                               or other extras.
                                              1st choice: Maytag Model #RTD2100CAE.
                                              2nd choice: General Electric Model #TBX22PAS.
                                              3rd choice: Whirlpool Model #ET22PKXB.
    Vacuum..................................  Price for upright vacuum cleaner with 6.5 amps, 120 volts, six
                                               above-the-floor attachments, height adjustment, regular bag and
                                               20-foot cord.
                                              1st choice: Ereka Model #9334AT.
                                              2nd choice: Hoover model #U4671-930.
    Two-Slice Toaster                         Price for two-slice toaster, chrome body, wide slot with pastry
                                               defrost setting.
                                              1st choice: Proctor-Silex Model #T620B.
                                              2nd choice: Black Decker Model #T200.
    Casserole Dish Set                        Price for Corning-Ware trio casserole set with 1 qt., 1.5 qt., and
                                               2 qt. dishes and 3 covers (two plastic covers and one glass).
    China...................................  Price for the Corelle Impressions line Abundance pattern tableware
                                               set. Set consists of 20 pieces: 4 dinner plates, 4 luncheon
                                               plates, 4 bowls, 4 cups, and 4 saucers. The pattern is beige with
                                               a fruit and flower motif.
    Electric Drill..........................  Price for 6.0 volt reversible cordless electric drill with
                                               overnight recharge.
                                              1st choice: Black & Decker Model #CD2000.
                                              2nd choice: Skil Model #2305
    Red Roses, fresh cut                      Price for one dozen long stemmed, fresh cut red roses.
    Hammer..................................  Price for Stanley curved claw hammer with a 16 oz. head, wood
                                               handle, high carbon steel head, black finish. Overall length 13
                                               \1/4\''. Do not price hammers with nonwooden handle or hammers
                                               typically used by carpenters or cabinet makes.
                                              1st choice: Model #51616.
                                              2nd choice: Model #51416.
    Window Shade............................  Use catalog descriptions and stock numbers. Note that shipping is
                                               to be included, if charged.
    Toilet Lid Cover                          Price for Cannon Portofino standard toilet lid cove made of 100%
                                               nylon.
    Snow Blower.............................  Price for a Honda Model H5825 (or this year's equivalent) 8 HP two-
                                               stage gas snow thrower with rubber tracks and hydrostatic
                                               transmission.
Clothing:
    Man's Suit..............................  Use catalog descriptions and stock numbers. Note that shipping is
                                               to be included, if charged.
    Man's Jeans.............................  Price of straight leg regular fit jeans. Do not price bleached
                                               jeans.
                                              1st choice: Levi's #505.
                                              2nd choice: Lee regular fit.
    Man's Dress Shirt                         Price for white or solid color, long sleeve, button cuff, plain
                                               collar dress shirt, approximately 35% cotton, 65% polyester. A
                                               dress shirt will have exact collar and sleeve sizes. Example:
                                               15\1/2\ collar, 34 sleeve.
                                              Possible brands: Arrow, Van Heusen.
    Man's Parka.............................  Use catalog descriptions and stock numbers. Note that shipping is
                                               to be included, if charged.
    Boy's Jeans.............................  Price of loose fit jeans (size 8-14).
                                              1st choice: Levi's #560.
                                              2nd choice: Lee loose fit.
    Boy's Shirt.............................  Price for screen-printed T-shirt commonly worn by boys age 8
                                               through 10 years (size 7-14). Pullover with crew neck, short
                                               sleeves and polyester/cotton blend.
                                              Possible brand: Ocean Pacific.
    Man's Insulated Underwear...............  Price for white light weight, crew neck thermal underwear top of
                                               cotton and polyester.
                                              Possible brands: J. E. Morgan, Hanes.
    Woman's Dress...........................  Price for misses mid-sleeve shirt waist dress appropriate for
                                               office attire. Exclude any unusual ornamentation. The dress
                                               should be unlined and 100% rayon.
                                              Possible brands: Stewart Allen, Lesley Fay.
    Woman's Blouse..........................  Price of 100% polyester, white, long sleeve, button front, blouse
                                               with minimum trim.
                                              Possible brands: Wrapper, Girls, Girls, Girls.
    Woman's Slacks..........................  Price for misses unlined slacks appropriate for office attire. The
                                               slacks should be a blend of cotton and polyester without a belt.
                                              Possible brands: Donnkenny, Alfred Dunner.
    Woman's Sweater.........................  Use catalog descriptions and stock numbers. Note that shipping is
                                               to be included, if charged.
    Woman's Coat............................  Use catalog descriptions and stock numbers. Note that shipping is
                                               to be included, if charged.
    Woman's Accessories.....................  Price for split-grain, cowhide leather, checkbook clutch wallet.
                                              Possible brands: Michael Stevens, Mundi.
    Girl's Dress............................  Price of cotton blend long-sleeve appropriate for school. Exclude
                                               extra ornamentation. For girls ages 8 through 10 (size 7-14).
                                              Possible brand: Carter's.
    Girl's Jeans............................  Price of Levi's #550 jean. For girls ages 8 through 10 years (size
                                               7-14).
    Girl's Blouse...........................  Price of cotton blend, white or solid color, long sleeve, button
                                               front blouse. For girls ages 8 through 10 years, (size 7-14).
                                              Possible brand: This Side Up.
    Infant's Sleeper........................  Price for one-piece sleeping garment with legs, covering the body
                                               including the feet.

[[Page 4100]]

                                              Possible brands: Gerber, Playskool.
    Disposable Diaper.......................  Price for 40 count package Pampers, (child 12-18 lbs.).
                                              Do not price larger size diapers.
    Man's Boots.............................  Price for 8 inch waterproof, insulated leather boot with cambrelle
                                               lining.
                                              Possible brands: Timberland, Hermam.
    Woman's Boots...........................  Price for calf height boot with pile or fleece lining, urethane
                                               upper, side zipper, broad-based one-inch heel, and non-skid
                                               traction sole.
                                              Possible brand: Naturalizer.
    Jewelry.................................  Price for one pair 6mm 14K gold ball earrings for pierced ears.
    Coin Laundry............................  Price for one load of laundry using a regular size, top loading
                                               commercial washing machine. Do not include cost of drying.
    Dry Clean Man's Suit....................  Price to dry clean a man's 2-piece business suit of typical
                                               fabric.
Domestic Service:
    Day-Care................................  Price for one month of day-care for a three-year-old child (5 days
                                               a week, about 8 hours per day). If monthly rate is not available,
                                               price per week.
    Babysitter, per hour....................  Average hourly rate for one child, age four years, evening, before
                                               midnight. (Teenager in your home.) Do not price babysitting
                                               service. Special Instructions: If typical for your area, you may
                                               wish to obtain quotes from friends/acquaintances in your area who
                                               use teenage babysitters.
Professional Services:
    Legal Services..........................  Hourly rate for general counsel.
    Accounting Services.....................  Hourly rate for individual tax work (not business). Price rate for
                                               Federal 1040 tax form service with typical itemized deductions.
Personal Care:
    Woman's Cut and Styled Blow Dry.........  ``Regular service'' price for a woman's cut and styled blow dry.
                                               Include wash. No curling iron if extra charge.
    Man's Haircut...........................  Price of a man's typical haircut. Do not include wash.
    Lipstick................................  Price for one tube of Revlon lipstick.
                                              1st choice: Super Lustrous.
                                              2nd choice: Moondrops.
    Shampoo.................................  Price for 15 fluid oz. bottle of Revlon Flex shampoo for normal
                                               hair.
Recreation:
    Bowling.................................  Price for 1 game of open (or nonleague) bowling on Saturday night.
                                               Exclude cost of shoe rental.
    Movie Theater...........................  Typical adult price for regular length, currently release, evening
                                               film. Report weekend evening price if different from weekday.
    Health Club.............................  Price for regular individual membership for 1 year for existing
                                               member. Do not include any initial fees assessed only to new
                                               members. If yearly rate is not available, price per month.
    Piano Lessons...........................  Price for private lessons for a beginner one-half hour in length.
    Downhill Skiing.........................  Price for one lift ticket on Saturday.
    Roller Skating..........................  Price for one session of open skating on Saturday night.
                                              Include the cost of skate rental.
    Video Rental............................  Price to rent one video tape of recently released movie, Saturday
                                               night (1 day) rate. Nonmember fee.
    Video Recorder..........................  Price for VCR with 4 video heads, double azimuth, unified TV/VCR
                                               remote, one-year eight event timer, auto tracking, LED display,
                                               and HI-FI stereo.
                                              1st choice: Zenith Model #VRM4120
                                              2nd choice: Sony Model #SLV720HF
    Compact Disc............................  Regular price for a current best-selling CD. Not sale price. Do
                                               not price double CD. Please record title in comment section.
                                              Example: VS, by Pearl Jam, Purple by Stone Temple Pilots.
    Compact Disc Player.....................  Price 5 disc CD player with rotary changer system, 10 key access,
                                               32 track programming, 8 times oversampling, and a remote.
                                              1st choice: Sony Model #CDPC545
                                              2nd choice: Panasonic-Technics Model #SLPD867
    Color Television........................  Price for 20'' table model color TV with a remote, auto channel
                                               search, closed captions, sleep timer, on-screen channel/time and
                                               menus, channel flashback, and 181 channel tuning.
                                              1st choice: Zenith Model #SM52049.
                                              2nd choice: Sony Model #KV20TS29.
    Basic Cable Service.....................  Price for one month of basic cable channel TV. Record the number
                                               of channels offered. If basic service provides 12 or fewer
                                               channels, price the next level of service. Do not include hookup
                                               charges or premium (e.g., ``movie'') channels.
    Veterinary Services.....................  Typical fee for general office visit for a heartworm test for a
                                               small dog. Include the cost of the office visit.
    Pet Food................................  Price for 5.5 oz. can of cat food.
                                              1st choice: Purina.
                                              2nd choice: 9 Lives.
    Film Developing.........................  Price to process and print 35 millimeter, 24 exposure, 100 ASA
                                               color. Single prints only please.
    Camera Film.............................  Price for 35 millimeter, 24 exposure, 100 ASA Kodak camera film.
    Tennis Balls............................  Price for can of three heavy-duty felt, yellow, tennis balls.
                                              1st choice: Wilson.
                                              2nd choice: Penn.
    Board Game..............................  Price for Monopoly board game by Parker Brothers. Do not price
                                               deluxe edition.
    All-Terrain Vehicle.....................  Price for Honda 300EX, 2-wheel drive all-terrain vehicle.
    Book....................................  Price for top ten best selling paperback book.
    Magazine................................  Price for a single copy of Time magazine.

[[Page 4101]]

    Local Newspaper.........................  Price for one year of the most common daily paper (including
                                               Sunday edition) distributed in the area. Report the name of the
                                               newspaper in the comment section.
Miscellaneous Expense Component:
    Pain Reliever...........................  Price for 60 tablets of extra-strength Tylenol. Do not price
                                               caplets or gelcaps.
    Tetracycline, prescription..............  Price of 40 capsules of generic tetracycline, 250 milligram
                                               strength.
    Optometrist, office visit...............  Typical fee for visual analysis including tonometry, refraction
                                               and glaucoma screening.
    Dentist, clean and check teeth..........  Charge for x-rays, exam and prophylaxis (light scaling and
                                               polishing) or ``cleaning of teeth'' without special treatment of
                                               gums or teeth. Do not price initial visit.
    Doctor, office visit....................  Typical fee, after the initial visit, for an office visit when
                                               medical advice or simple treatment is needed. Do not include the
                                               charge for a regular physical examination, injections, medication
                                               or lab tests (routine brief visit).
                                              Price general practitioner, do not price specialist.
    Hospital Room...........................  Daily charge for a private room. Include food and routine care.
                                               Exclude cost of operating room, surgery, medicine and lab fees.
Housing-Related Component:
    Bathroom Caulking.......................  Price a 5.5 ounce plastic tube of latex white bathroom caulking.
                                               Do not price caulking gun cartridge.
                                              1st choice: DAP Kwik Seal Tube & Tile.
                                              2nd choice: An equivalent size and quality caulk.
    Computation of Electric Bill............  Average monthly consumption:
                                              Customer service charge (single phase service):
                                              Cost for first KWH:
                                              Cost for over first KWH:
                                              Other items included on bill:
                                              Comments:
    Computation of Gas Bill.................  Average monthly consumption:
                                              Customer service charge:
                                              Cost for first Cu. Ft.:
                                              Cost for over first Cu. Ft.:
                                              Other items included on bill:
                                              Comments:
    Computation of Water Bill...............  Average monthly consumption:
                                              Customer service charge:
                                              Cost for first ______ Gallons:
                                              Cost for over ______ Gallons:
                                              Other items included on bill:
                                              Comments:
    Electrical Outlet.......................  Price of a 2-plug grounded electrical outlet. Price blister pack
                                               or cardboard mounted (individually packaged). Do not price loose
                                               electric outlet.
                                              1st choice: GE.
                                              2nd choice: Levitron.
    Electrical Work.........................  Price of labor to add circuit breaker for dishwasher. Cut \3/4\-
                                               inch hole in wooden floor cable. Connect dishwasher directly to
                                               power box (power box is easy to reach). Exclude cost of
                                               materials.
    Fire Extinguisher.......................  Please price a fire extinguisher with a UL rating of 10BC, 2.5
                                               pound size.
                                              1st choice: Kidde.
                                              2nd choice: An equivalent size and quality 10BC fire extinguisher.
    Interior Painting.......................  Price of labor to paint 12' 14' living room with 8' ceilings.
                                               Walls are plaster or drywall in good repair. Two standard sized
                                               sash windows, one picture window, one standard wood door. Rooms
                                               have simple wood baseboards and trim. Existing paint is latex,
                                               flat white, smooth finish, about three years old. Trim paint is
                                               latex, white, gloss enamel, about three years old. Walls and trim
                                               require no surface preparation. Obtain labor rate per hour, flat
                                               charge if any, and estimated time to complete job. Assume job
                                               takes 8 hours. Exclude cost of materials.
    Latex Interior Paint....................  Please price one gallon white, interior flat latex paint. Price a
                                               national brand with one coat coverage.
                                              1st choice: Dutch Boy.
                                              2nd choice: Glidden.
    Pest Control............................  Price for basic pest control maintenance (one visit to control
                                               crawling insects, not wood eating), based on the inside of a
                                               1,200 sq. ft. single story home. Price followup maintenance only,
                                               not the initial application.
    Unclog Drain............................  Price of labor to unclog kitchen sink drain by mechanical means
                                               (snake, auger, etc.). Only include pipe removal to access trap if
                                               necessary. Assume clog is in the plumbing inside the house, not
                                               in the yard. Exclude cost of material, if any.
    Kitchen Faucet..........................  Price a Peerless single control chrome-plated faucet with spray.
                                               Faucet is solid brass and stainless steel quality construction
                                               with copper waterways, washerless design and triple chrome
                                               plating. Warrantied for as long as the home is owned.
    Real Estate Taxes.......................  Call the local tax assessor office and/or local tax collector/
                                               treasurer for each living community in the report. Request the
                                               current real property tax rate, any special charges that are
                                               added to the tax bill and any homestead credits that might be
                                               deducted from the bill. Ask when properties were last assessed
                                               and what base year tax rate should be applied to. Request
                                               information as to what month rates are certified and when bills
                                               are mailed. Verify any significant increases or decreases from
                                               previous records.
    Long Distance Telephone.................  Price the cost of a 10-minute call using AT&T, received on a
                                               weekday, at each location at 8:00 p.m. (local time); direct dial
                                               from the location being surveyed to each of the following cities:
                                               New York, Chicago and Los Angeles. Include any federal, state,
                                               local or excise tax that is applicable.
    Telephone Service.......................  Obtain monthly cost for unmeasured service, for touchtone service,
                                               and for tax.

[[Page 4102]]

    Homeowner Insurance.....................  For each community surveyed, secure the annual renewal premium for
                                               HO-2 type coverage. If the company does not refer to the coverage
                                               as HO-2, obtain the cost of a comprehensive coverage that covers
                                               ``all risk for dwelling and named peril for contents'' with
                                               contents at replacement value.
    Renter Insurance........................  For each living community surveyed, provide renter housing profile
                                               and insurance cost (semiannual or other). Assume HO-4-type
                                               coverage.
Homeowners:
    The profiles for each of the home sizes
     costed are as follows:
        Low.................................  900 (Sq. Ft.)
        Mid.................................  1,300 (Sq. Ft.)
        High................................  1,700 (Sq. Ft.)
    The worksheet components for data
     collection are as follows:
        (1) Address
        (2) Selling Price
        (3) Sale Date
        (4) Age
        (5) Room Count (broken down into
         bedrooms and baths)
        (6) Square Footage
        (7) Price Per Square Foot
    Information was collected through
     various sources--Real Estate
     Professionals, Appraisers, MLS data,
     assessors' offices and private sources.
Data Collection for Aged Mortgages:
    The worksheet components for data
     collection for aged mortgages are as
     follows:
        (1) Address
        (2) Selling Price
        (3) Sale Date
        (4) Age
        (5) Room Count (broken down into
         bedrooms and baths)
        (6) Square Footage
        (7) Price Per Square Foot
Transportation Component:
    Vehicles................................  1995 Honda Civic DX four door sedan, 1.5 Liter 4 Cylinder.
                                              1995 Ford Taurus GL four door sedan, 3.0 Liter 6 Cylinder.
                                              1995 Chevrolet S10 Blazer Two Door, four wheel drive, 4.3 Liter 6
                                               Cylinder.
    Base Price..............................  Obtain the base price (Manufacturer's Suggested Retail Price) for
                                               each vehicle.
    Options.................................  For each vehicle, price the following options: air conditioning,
                                               AM/FM stereo radio, power steering, tinted glass, power disc
                                               brakes, rustproofing, heavy duty battery (Alaska only), and
                                               engine block heater (Alaska only).
    Fees....................................  For each vehicle, price the following options: destination charge,
                                               shipping charge, dealer markup, documentation fees and other one-
                                               time fees.
    Taxes...................................  For each vehicle, price the following taxes: excise tax, import/
                                               customs tax, use tax, sales tax and other one-time taxes.
    Specifications..........................  For each vehicle, obtain the following information: length,
                                               wheelbase, tires, curb weight, horsepower, fuel type and fuel
                                               performance (mpg).
    Depreciation............................  For each vehicle, compute the residual value after 12, 24, 36 and
                                               48 months respectively.
    Gasoline................................  For each station name/brand, price regular unleaded self-service
                                               in the Washington, DC area surveys and full service in the Alaska
                                               area surveys.
    Tuneup..................................  For each vehicle, price a basic tuneup. Include parts and labor
                                               for the following: replace spark plugs, PCV valve, fuel filter,
                                               air filter, and breather filter. Check distributor cap, rotor,
                                               timing, and idle.
    Oil Change..............................  For each vehicle, price an oil change. Include parts and labor for
                                               the following: drain old oil, replace oil filter and refill with
                                               five quarts of 10W30 SG grade oil. If SG grade is unavailable,
                                               price SF grade oil.
    Change Automatic Transmission Fluid.....  For each vehicle, price to change automatic transmission fluid.
                                               Include parts and labor for the following: remove transmission
                                               pan, drain transmission fluid, replace transmission filter,
                                               replace transmission pan gasket, replace transmission fluid, and
                                               test vehicle.
    Coolant Flush and Fill..................  For each vehicle, price to flush and fill engine coolant. Include
                                               parts and labor for the following: remove old coolant, flush
                                               contaminants, and replace with new coolant.
    Muffler System..........................  For each vehicle, price a complete muffler system for a 3-year-old
                                               vehicle. Include parts and labor for the following: install all
                                               parts after the catalytic converter. These parts include mid
                                               pipes, clamps, muffler, and tail pipes.
    CVJ Boot Replacement....................  For each vehicle, price the replacement of all four constant
                                               velocity joint (CVJ) boots on the front of the vehicle, for a 3-
                                               year-old vehicle.
    Miscellaneous Tax.......................  For each vehicle, price miscellaneous tax. Tell how rate is
                                               determined, give formula for new vehicle purchase, give formula
                                               for subsequent year (2 to 5) and explain billing.

[[Page 4103]]

    Regular Tires...........................  Price for a Black Side Wall (BSW) P175/70R13 tire for the Honda
                                               Civic, a BSW P205/65R15 for the Ford Taurus L, and a BSW P205/
                                               75R15 for the Chevrolet S10 Blazer in DC area. In Alaska, same
                                               tire sizes, but Goodyear brand not always available due to
                                               limited outlet selection. If suggested brand tires are not
                                               available, price comparable brand tire. Tire retailer should
                                               provide comparable tire, given the suggested tire brands and
                                               models.
                                              Suggested brands: Goodyear Invictia GL (Honda, Ford), Goodyear
                                               Wrangler AT (Chevrolet).
                                              Comparable brands: Michelin LX1 (Honda), Michelin XW4 (Ford),
                                               Michelin XCHF (Chevrolet), B.F. Goodrich Touring TA (Honda,
                                               Ford), B.F. Goodrich Radial TA (Chevrolet).
    Studded Snow Tires......................  Price for a studded snow tire. Price for a P175/70R13 tire for the
                                               Honda Civic (Anchorage, Fairbanks, and Juneau); a P205/65R15 for
                                               the Ford Taurus L (Anchorage, Fairbanks, and Juneau); and a P205/
                                               75R15 for the Chevrolet S10 Blazer (Anchorage, Fairbanks, Juneau
                                               and Nome). If suggested brand tires are not available, price
                                               comparable brand tire. Tire retailer should provide comparable
                                               tire, given the suggested tire brands and models.
                                              Suggested brands: Goodyear Ultra Grip.
    License and Registration................  For each vehicle, price title fee, passenger vehicle registration
                                               fees, plate fees, inspection fees, administration/clerical/other
                                               fees and local added fees. Specify if one-time or annual. List
                                               any exceptions if the Blazer is not registered as a passenger
                                               vehicle.
    Automobile Finance......................  Obtain the rate for a four-year loan based on a down payment of 20
                                               percent. Assume the loan applicant is a current bank customer who
                                               will make payments by cash/check and not by automatic deduction
                                               from the account.
    Automobile Insurance....................  For each vehicle, price insurance coverage identified below.
                                               Assume the vehicles are used in commuting 15 miles/day, 12,000
                                               miles/year and that the driver is a 35-year-old married male with
                                               no accidents or violations in the last five years. When there is
                                               a geographic difference, obtain rates for two different living
                                               communities. Include related expense fees taxes.
                                              Bodily Injury: $100,000/$300,000
                                              Property Damage: $25,000
                                              Medical $15,000 or Personal Injury Protection: $50,000
                                              Uninsured Motorist: $100/$300,000
                                              Comprehensive: $100 Deductible
                                              Collision: $250 Deductible
    Round-Trip Airfare......................  Price for lowest cost round trip ticket to Los Angeles, CA.
                                               Disregard restrictions.
----------------------------------------------------------------------------------------------------------------

                      Appendix 6.--Pricing Changes
       [Goods and Services/Miscellaneous Expense/Housing Related]
------------------------------------------------------------------------
            Previous                    Current             Reason
------------------------------------------------------------------------
1. Cheddar Cheese:
    Per pound...................  10 oz. package....  New packaging.
2. Ice Cream:
    Half gallon of Sealtest       Half gallon of      Specific brand not
     vanilla ice cream.            store brand         available in all
                                   vanilla ice cream.  areas.
3. Cereal:
    18 oz. box of Kellogg's Corn  20 oz. box of       Item change per
     Flakes.                       Raisin Bran.        OPM request.
4. Donuts:
    12 glazed...................  10 chocolate        Discontinued.
                                   covered.
5. Potatoes:
    10 lb. bag of white potatoes  10 lb. bag of       More specific
                                   Russet baking       item.
                                   potatoes.
6. Pizza Lunch:
    Not surveyed................  One personal-size   New item per OPM
                                   cheese pizza (or    request.
                                   one slice of
                                   cheese pizza).
7. Pizza Dinner:
    Not surveyed................  One medium cheese   New item per OPM
                                   pizza with          request.
                                   regular crust
                                   (not thin or
                                   extra thick) and
                                   no extra toppings.
8. Appliance Repair:
    Price to replace oven         Price to replace    More comparable
     thermostat control for        digital clock and   item.
     Maytag Model #CRE9400.        heating probe for
     Include hourly rate, trip     Maytag Model
     charge, and parts cost.       #CRE9400 ACL,
     Part Number #7430P010-60.     Serial
                                   #1000100HB,
                                   Series #10.
                                   Include hourly
                                   rate, trip charge
                                   and parts cost.
9. Washing Machine:
    3 wash cycles...............  8 wash cycles.....  Better
                                                       description.
    Maytag #LAT7793.............  Maytag #LAT9604...  New model number.
    General Electric #WWA7600R..  General Electric    New model number.
                                   #WWA8600.
    Whirlpool #LLR6233A.........  Whirlpool           New model number.
                                   #LLR6233B.
10. Kitchen Range:
    General Electric #JBP5565...  General Electric    Model number
                                   #JBP55GS.           clarification.
11. Refrigerator:
    Whirlpool #ET22RKXZ.........  Whirlpool           New model number.
                                   #ET22PKXB.
12. Vacuum:
    Hoover #U4671-910...........  Hoover #U4671-930.  New model number.

[[Page 4104]]

13. Snow Blower:
    Price for 8 HP two-stage gas  Price for a Honda,  More specific
     snow thrower with rubber      Model H5825 (or     item.
     tracks, 6 forward, 2          its this year's
     reverse speeds and            equivalent) 8 HP
     adjustable snow chute.        two-stage gas
                                   snow thrower with
                                   rubber tracks and
                                   hydrostatic
                                   transmission.
14. Girl's Jeans:
    Price of Levi's #902 basic    Price of Levi's     Discontinued.
     relaxed taper jean, two       #550.
     back pockets and two front
     pockets.
15. Disposable Diapers:
    44 count....................  40 count..........  Product marketing
                                                       change.
16. Video Recorder:
    Zenith #VRL4110.............  Zenith #VRM4120...  New model number.
    Sony #SLV700HF..............  Sony #SLV720HF....  New model number.
17. Compact Disc:...............
    ``Janet'' by Janet Jackson..  ``VS.'' by Pearl    Current
                                   Jam.                bestselling
                                                       titles.
    ``Unplugged'' by Rod Steward  ``Purple'' by
                                   Stone Temple
                                   Pilots.
18. Compact Disc Player:
    Sony #CDPC535...............  Sony #CDPC545.....  New model number.
    Panasonic-Technics #SLPD847.  Panasonic-Technics  New model number.
                                   #SLPS867.
19. Color Television:
    Zenith #SLS2049.............  Zenith #SMS2049...  New model number.
20. Bathroom Caulking:
    Price an 8 ounce tube of      Price a 5.5 ounce   New size and more
     specific white bathroom       plastic tube of     description.
     caulking, most popular        latex white
     brand.                        bathroom
                                   caulking. (Not a
                                   caulk gun
                                   cartridge.)
                                   Suggested brand:
                                   DAP KWIK SEAL Tub
                                   and Tile.
------------------------------------------------------------------------

Appendix 7.--Nonforeign Area Cost-of-Living Allowances Price Survey
Data Collection Procedures

Survey Description

    The following information will be provided to the participants
verbally or in writing. Participants who are familiar with the
program and the survey may be provided with less information as
appropriate.

Purpose

    The Federal Government pays cost-of-living allowances (COLA) in
Alaska, Hawaii, and certain U.S. territories and possessions. Living
cost differences are determined by comparing costs of goods,
services, housing, transportation, and other items in the allowance
area with the cost of the same or similar items and services in the
Washington DC area. The U.S. Office of Personnel Management (OPM) is
responsible for the operation of the COLA program.

Data Collection

    OPM, or its representative, conducts annual Price Surveys to
determine living cost differences. Local governments, retail
outlets, realty firms, and businesses providing professional and
other services to be surveyed are identified through the use of
full-scale Background Surveys, conducted approximately once every
five years. Participation in the Price Surveys is voluntary. Data
are collected by telephone and/or personal interview.
    Wherever practical and appropriate, the price of each good or
service is obtained from at least three outlets in each allowance
area and at least six outlets in the reference area (i.e., the
Washington, DC, area). Realty data may be obtained from one or
multiple sources, as appropriate.

Release of Information

    The price data collected from participating firms may be made
available to Congress or to the general public upon request. This
includes the name of the company and prices of items or services
surveyed. The names of proprietors, managers, or other individuals
who provide price information generally will not be made public.
However, the Government may release the names of individuals who, on
the basis of their expertise, provide opinions or estimates.

Public Burden Information

    Public burden reporting for this collection of information is
estimated to vary from 1 to 20 minutes per response. Send comments
regarding the burden estimate or any other aspect of this collection
of information, including suggestion for reducing this burden to
Reports and Forms Management Officer, U.S. Office of Personnel
Management, 1900 E Street, NW., Room CHP 500, Washington, DC 20415;
and to the Office of Management and Budget, Paperwork Reduction
Project (3206-0199), Washington, DC 20503.

Nonforeign Area Cost-of-Living Allowances Price Survey Data Collection
Procedures

Interview Guidelines

    Three types of information are collected in price surveys: price
of goods and services, rental rates and related information, and
home prices and related information. The following are the typical
interview questions used to collect these data.

Price Information Collection

    1. What is the regular (non-sale) price of
____________________________________ (a specific item or service)?
    Examples of items include, but are not limited to:

Chuck Roast, Bone In.
    Price per pound. Average size package (e.g., not a `family' or
`bonus' pack).
    lst Choice: Arm pot roast.
    2nd Choice: Eye roast.
Peas, Frozen.
    Price for 10 ounce package.
    lst Choice: Bird's Eye.
    2nd Choice: Major brand of equivalent quality.
Men's Jeans.
    Price for one pair of blue jeans.
    1st Choice: Levi's #501 jeans.
    2nd Choice: Equivalent quality jeans.
Automobile, New.
    `Sticker' price of current year model Honda Civic, DX, four door
sedan, 1.5 liter, four cylinder engine. (Price options, fees,
financing, and taxes separately.)

    Example of services include, but are not limited to:

Woman's Haircut and Styling.
    `Regular service' price for a woman's cut and styled blow dry.
Include wash, but do not include use of curling iron if there is an
extra charge.
Unclog Drain.
    Price to unclog kitchen drain by mechanical means (snake, auger,
etc.). Only include pipe removal if necessary to access trap.
Film Developing.

[[Page 4105]]

    Price to process and print 35 millimeter, 24 exposure, 100 ASA
color roll film. Single prints only, standard size and finish.
Doctor, Office Visit.
    Typical fee, after the initial visit, for an office visit when
medical advice or simple treatment is all that is needed. Do not
include the charge for a complete physical examination, injections,
medication, laboratory tests, or similar services.
Oil Change.
    Price of a regular oil change including oil and filter for a
current year model Honda Civic DX sedan, 1.5 liter, 4 cylinder
engine.

    2. Prices of many of the items can be obtained ``off-the-shelf''
without assistance. Occasionally, when a specific item is not
available, assistance from sales or other personnel may be required
to identify and price substitution items of comparable quality and
quantity.
    3. Prices of most services are obtained by telephone or personal
interview. A few services are priced with little or no assistance.
For example, prices may be obtainable from a displayed price
schedule, list, or menu.

Housing Component--Rental Information Collection

    1. Describe the location, size, layout, number and types of
rooms, and square footage or your rental units.
    2. Are they apartments, duplexes, town houses, detached houses,
or other types of units? Describe.
    3. Are there additional amenities (e.g., pool, sauna, tennis
courts, gym)? If so, describe.
    4. What is the monthly rent? What is the amount of the security
deposit (if any)? What other kinds of fees or assessments are there?
    5. Are utilities included? Which ones? If you can, please
provide information on average monthly or annual costs of utilities
paid by tenants.
    6. Are term leases usually required? What are the conditions and
penalties associated with the lease?
    7. Are there any special restrictions or other factors we should
know about (e.g., seasonal tourist trade)?

Housing Component--Information Collection for Comparable Sales

    1. Describe the location, size, layout, number and types of
rooms, and square footage of some of your recent home sales.
    2. Were they condominiums, duplexes, town houses, detached
houses, or other types of dwellings? Describe.
    3. Were there any atypical characteristics (e.g., extra large
lot sizes, beach front, desirable/undesirable locations)?
    4. Are there additional amenities provided by the developer,
homeowners association, or similar community group (e.g., pool,
sauna, tennis courts, gym)? If so, describe facilities and charges.
    5. What was the selling price and date of sale?
    6. What are the real estate taxes?
    7. Do you have any data on utilities relating to these homes?
    8. In the past year or so, what has been the average
appreciation rate of property in this community? Looking back over
the past six years, has this rate changed? How?
    9. Describe current market conditions (e.g., soft, booming, so-
so). How has this affected housing prices? Describe the housing
market over the past six years.
    10. Are there any special considerations or other factors we
should know about (e.g., retirement/tourist trade) that might affect
the housing market in this community?

BILLING CODE 6325-01-M

[[Page 4106]]
[GRAPHIC] [TIFF OMMITTED] TN02FE96.005

[[Page 4107]]
[GRAPHIC] [TIFF OMMITTED] TN02FE96.006

[[Page 4108]]
[GRAPHIC] [TIFF OMMITTED] TN02FE96.007

[[Page 4109]]
[GRAPHIC] [TIFF OMMITTED] TN02FE96.008

BILLING CODE 6325-01-C

[[Page 4110]]

Nonforeign Area Cost-of-Living Allowances Background Survey Data
Collection Procedures

Survey Description

    The following information will be provided to the participants
verbally or in writing. Participants who are familiar with the
program and the survey may be provided with less information as
appropriate.

Purpose

    The Federal Government pays cost-of-living allowances (COLA) in
Alaska, Hawaii, and certain U.S. territories and possessions. Living
cost differences are determined by comparing costs of goods,
services, housing, transportation, and other items in the allowance
area with the cost of the same or similar items and services in the
Washington, DC, area. The U.S. Office of Personnel Management (OPM)
is responsible for the operation of the COLA program. OPM, or its
representative, conducts annual surveys to determine living cost
differences. OPM conducts full-scale Background Surveys
approximately once every five years to review the appropriateness of
items, services, and businesses covered in the annual Price surveys.
Elements of the Background Survey may be repeated annually on a
limited basis as part of the maintenance of and preparation for the
annual Price Surveys.
    OPM uses the Background Survey to identify the services, items,
quantities, outlets, and locations that will be surveyed to collect
living cost data within the allowance areas and the Washington, DC,
area. The Background Survey also is used to collect information on
local trade practices, consumer buying patterns, taxes and fees, and
other economic characteristics related to living costs.

Data Collection

    Full-scale Background Surveys are conducted approximately once
every five years. OPM identifies major manufacturers, local
governments, retail outlets, realty firms, and businesses providing
professional services to be surveyed on the basis of business volume
and local prominence. Participation is voluntary. Data are collected
by telephone and/or personal interview.

Confidentiality

    All data collected are used only for the purposes described
above. The Government pledges to hold all micro or ``raw'' data
collected in confidence. Names of participating businesses and
institutions may be released. Names of individuals are not released.
Summary data will be made available to the public only to the extent
that micro data cannot be associated with data sources.

Public Burden Information

    Public burden reporting for this collection of information is
estimated to vary from 5 minutes to 30 minutes per response. Send
comments regarding the burden estimate or any other aspect of this
collection of information, including suggestion for reducing this
burden to Reports and Forms Management Officer, U.S. Office of
Personnel Management, 1900 E Street NW., Room CHP 500, Washington,
DC 20415; and to the Office of Management and Budget, Paperwork
Reduction Project (3206-0199), Washington, DC 20503.

Nonforeign Area Cost-of-Living Allowances Background Survey Data
Collection Procedures

Interview Guidelines

    Seven types of information are collected in background surveys.
Information is collected on products and services, outlet
availability and usage, transportation, local taxes and fees,
mortgage, real estate, and other topics related to the measurement
of living costs (e.g., specialized information from local chambers
of commerce, colleges, and universities). The following are the
typical interview questions used to collect these data.

Product or Service Information

    1. As a major manufacturer/supplier of
____________________________________ (a specific product or service,
e.g., women's apparel), please identify your items/services that are
most popular (e.g., your `volume sellers').
    2. Which of these items are apt to be readily available in the
following geographic locations: Alaska (i.e., Anchorage, Fairbanks,
and Juneau); Hawaii; Guam; Puerto Rico; the Virgin Islands; and
Washington, DC, and suburbs?
    3. If the items or services are not universally available, are
there other items or services that are of similar function, quality,
quantity, size, and type that can be substituted?
    4. Is there anything else we should know about your product or
service? Are there recommendations you wish to make that would help
us in our data collection?

Outlet Availability and Usage (Retail)

    1. What is your product or service? What is the address(es) of
your establishment(s)? If you have multiple locations, which
locations have the greatest sales volumes (i.e., are most utilized
by consumers)?
    2. What are your store/office hours? Do these vary by location?
    3. Is your full line of products or services available at all
locations?
    4. Is there anything else we should know about your outlet(s) or
recommendations you wish to make?

Transportation Information--Private and Public Services

    1. What type of transportation services do you provide (e.g.,
taxi, bus, subway)?
    2. What geographic areas do you service? Which routes are
`typical' or most heavily utilized?
    3. What is your rate structure? Does it vary by time of day or
season?
    4. Is there anything else we should know about transportation
usage and services in your area? Are there recommendations you wish
to make about our data collection?

Transportation Information--Private Use and Maintenance

    1. What types of driving are most common in your area? What is
the annual distance driven?
    2. What types of roads and highways are common in your area?
What are the road surfaces and conditions?
    3. Are there unusual climatic or other factors that affect the
fuel economy, maintenance, and depreciation of vehicles?
    4. Is there anything else we should know about private
transportation usage and maintenance in your area? Are there
suggestions or recommendations you wish to make?

Local Taxes and Fees

    1. What types of taxes, licenses, or fees does your State,
territory, or local jurisdiction levy on real estate; personal
property; sales (including sales of property); automobiles;
utilities; or other goods, services, or transactions?
    2. Who levies these taxes, licenses or fees (i.e., State,
territory, county, city, other jurisdiction)?
    3. What are the rates or schedules for these? How often and when
are they levied? Do the rates/schedules vary by location, season, or
other factors?
    4. Is there anything else we should know about taxes and fees in
your area? Are there suggestions or recommendations you wish to
make?

Mortgage Information

    1. What forms of home financing are most common in
____________________________________ (the allowance area or
Washington DC metropolitan area)? (Do not include second mortgages.)
    2. What are the typical conditions and limitations on loans?
    3. What is the typical amount(s) of down payment required? What
are the terms and rates?
    4. Are there special subsidies or other practices that influence
home financing in your area?
    5. Looking back six years, what types of changes have occurred
that affect home financing?
    6. Is there anything else we should know about home financing in
your area? Are there suggestions or recommendations you wish to make
that would help us in our data collection?

Real Estate Information

    1. What is the availability of housing in
____________________________________ (the allowance area or
Washington DC metropolitan area)? Of principal interest is housing
for typical salary and wage earners (as distinguished from retirees,
tourists, or other special groups) for persons with low, moderate,
and high incomes.
    2. Describe the communities within your area in which persons
____________________________________ (specify occupation/income
characteristics) typically live. If appropriate, identify separate
communities for renters and home owners. Where are these communities
located relative to the major Federal activities in the area?
    3. Describe the type of housing (e.g., apartment, condominium,
town house, detached house).

[[Page 4111]]

    4. For each type of housing, what are the usual number of rooms,
bedrooms, baths, total square footage, lot size, type of
construction, and similar characteristics?
    5. What types of utilities are available and typically used in
these communities: sewer, water, natural gas, electricity, other?
    6. Are there any unusual factors that might affect maintenance
requirements in your area?
    7. Looking back 6 years, describe the changes that significantly
affected the housing market (both rental and owner markets).
    8. Is there anything else we should know about the housing
market in your area? Are there suggestions or recommendations you
wish to make concerning our data collection?

Other Types of Information

    Occasionally, it is necessary to collect information from
colleges, universities, chambers of commerce, trade associations,
and other groups on specific subjects relating to the analysis of
living costs. For example, a university known to be involved in home
energy research may be contacted to determine whether there are
consumption data by region or allowance area that could have
application in the COLA program.
    When such data are collected, the purpose and basic structure of
the interview will follow the patterns shown above. The substance,
however, will vary with the subject matter.

BILLING CODE 6325-01-M

[[Page 4112]]
[GRAPHIC] [TIFF OMMITTED] TN02FE96.009

BILLING CODE 6325-01-C

[[Page 4113]]

                                                  Appendix 8.--Consumption Goods and Services Analysis
                                                      [Location: Anchorage, AK; Winter 1995 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income
                          Categories                             Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
1. Food At Home..............................................       111.65        26.40        29.48        23.49        26.23        20.65        23.05
2. Food Away From Home.......................................       106.62        14.42        15.38        14.73        15.71        15.04        16.03
3. Tobacco...................................................        86.98         3.15         2.74         2.59         2.25         2.05         1.78
4. Alcohol...................................................       121.20         2.77         3.35         2.73         3.31         2.69         3.26
5. Furnishings & Household Operations........................        96.07        14.71        14.13        15.79        15.17        16.85        16.18
6. Clothing..................................................        99.33        13.97        13.88        14.65        14.55        15.30        15.20
7. Domestic Services.........................................        92.05         1.76         1.62         1.90         1.75         2.04         1.87
8. Professional Services.....................................       114.23         6.48         7.40         6.65         7.60         6.82         7.80
9. Personal Care.............................................       105.43         3.62         3.82         3.52         3.72         3.43         3.62
10. Recreation...............................................       103.41        12.72        13.16        13.94        14.42        15.14        15.66
                                                              ------------------------------------------------------------------------------------------
    Total Weights............................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
    Total Indexes:
      Lower..................................................  ...........  ...........       104.96  ...........  ...........  ...........  ...........
      Middle.................................................  ...........  ...........  ...........  ...........       104.71  ...........  ...........
      Upper..................................................  ...........  ...........  ...........  ...........  ...........  ...........       104.45
--------------------------------------------------------------------------------------------------------------------------------------------------------

                                                         Consumption Goods and Services Analysis
                                                      [Location: Fairbanks, AK; Winter 1995 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income
                          Categories                             Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
1. Food At Home..............................................       115.65        26.40        30.54        23.49        27.17        20.65        23.88
2. Food Away From Home.......................................       109.66        14.42        15.81        14.73        16.16        15.04        16.49
3. Tobacco...................................................        88.55         3.15         2.79         2.59         2.30         2.05         1.81
4. Alcohol...................................................       115.61         2.77         3.20         2.73         3.15         2.69         3.11
5. Furnishings & Household Operations........................       106.03        14.71        15.59        15.79        16.74        16.85        17.86
6. Clothing..................................................       103.74        13.97        14.50        14.65        15.19        15.30        15.88
7. Domestic Services.........................................        87.26         1.76         1.53         1.90         1.66         2.04         1.78
8. Professional Services.....................................       103.80         6.48         6.72         6.65         6.91         6.82         7.08
9. Personal Care.............................................       107.81         3.62         3.91         3.52         3.80         3.43         3.70
10. Recreation...............................................       108.49        12.72        13.80        13.94        15.13        15.14        16.43
                                                              ------------------------------------------------------------------------------------------
    Total Weights............................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
    Total Indexes:
      Lower..................................................  ...........  ...........       108.39  ...........  ...........  ...........  ...........
      Middle.................................................  ...........  ...........  ...........  ...........       108.21  ...........  ...........
      Upper..................................................  ...........  ...........  ...........  ...........  ...........  ...........       108.02
--------------------------------------------------------------------------------------------------------------------------------------------------------

                                                         Consumption Goods and Services Analysis
                                                       [Location: Juneau, AK; Winter 1995 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income
                          Categories                             Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
1. Food At Home..............................................       123.19        26.40        32.53        23.49        28.94        20.65        25.43
2. Food Away From Home.......................................       116.57        14.42        16.81        14.73        17.17        15.04        17.53
3. Tobacco...................................................        85.25         3.15         2.68         2.59         2.21         2.05         1.75
4. Alcohol...................................................       127.96         2.77         3.54         2.73         3.49         2.69         3.44
5. Furnishings & Household Operations........................       104.56        14.71        15.38        15.79        16.51        16.85        17.61
6. Clothing..................................................       107.88        13.97        15.07        14.65        15.80        15.30        16.51
7. Domestic Services.........................................        90.98         1.76         1.60         1.90         1.73         2.04         1.85
8. Professional Services.....................................        95.03         6.48         6.16         6.65         6.32         6.82         6.49
9. Personal Care.............................................       125.02         3.62         4.53         3.52         4.41         3.43         4.29
10. Recreation...............................................        98.72        12.72        12.56        13.94        13.77        15.14        14.95
                                                              ------------------------------------------------------------------------------------------
    Total Weights............................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
    Total Indexes:
      Lower..................................................  ...........  ...........       110.86  ...........  ...........  ...........  ...........
      Middle.................................................  ...........  ...........  ...........  ...........       110.35  ...........  ...........
      Upper..................................................  ...........  ...........  ...........  ...........  ...........  ...........       109.85
--------------------------------------------------------------------------------------------------------------------------------------------------------

[[Page 4114]]

                                                         Consumption Goods and Services Analysis
                                                        [Location: Nome, AK; Winter 1995 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income
                          Categories                             Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
1. Food At Home..............................................       154.45        26.40        40.78        23.49        36.29        20.65        31.89
2. Food Away From Home.......................................       140.54        14.42        20.27        14.73        20.70        15.04        21.13
3. Tobacco...................................................        94.48         3.15         2.97         2.59         2.45         2.05         1.94
4. Alcohol...................................................       162.60         2.77         4.50         2.73         4.44         2.69         4.37
5. Furnishings & Household Operations........................       126.58        14.71        18.62        15.79        19.98        16.85        21.32
6. Clothing..................................................       113.86        13.97        15.91        14.65        16.68        15.30        17.42
7. Domestic Services.........................................       108.02         1.76         1.90         1.90         2.05         2.04         2.20
8. Professional Services.....................................       103.62         6.48         6.71         6.65         6.89         6.82         7.07
9. Personal Care.............................................       102.94         3.62         3.73         3.52         3.63         3.43         3.53
10. Recreation...............................................       126.58        12.72        16.11        13.94        17.65        15.14        19.16
                                                              ------------------------------------------------------------------------------------------
    Total Weights............................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
    Total Indexes:
      Lower..................................................  ...........  ...........       131.50  ...........  ...........  ...........  ...........
      Middle.................................................  ...........  ...........  ...........  ...........       130.76  ...........  ...........
      Upper..................................................  ...........  ...........  ...........  ...........  ...........  ...........       130.03
--------------------------------------------------------------------------------------------------------------------------------------------------------

                                     Appendix 9.--OPM Living Community List
----------------------------------------------------------------------------------------------------------------
                                                 Low                     Middle                    High
----------------------------------------------------------------------------------------------------------------
Washington, DC DC:
    Homeowner........................  Southeast DC...........  Northeast DC...........  Northwest DC.*
    Renter...........................  Southeast DC...........  Northeast DC...........  Northwest DC.*

----------------------------------------------------------------------------------------------------------------
*Northwest DC excludes Georgetown, but includes Dupont Circle, Cleveland Part, and Adams Morgan.

================================================================================================================
Washington, DC MD:
    Homeowner........................  Capitol Heights/         Gaithersburg/Silver      Rockville.
                                        Suitland.                Spring.
    Renter...........................  Capitol Heights/         Hyattsville/College      Rockville.
                                        Suitland.                Park.
Washington, DC VA:
    Homeowner........................  Woodbridge/Dale City...  Springfield............  Alexandria.
    Renter...........................  Woodbridge/Dale City...  Alexandria.............  Arlington.
Anchorage, AK:
    Homeowner........................  North Anchorage........  North Anchorage........  South Ancohorage.*
    Renter...........................  North Anchorage........  North Anchorage........  South Anchorage.*

----------------------------------------------------------------------------------------------------------------
*The line between North and South Anchorage is set by Tudor Road.

================================================================================================================
Fairbanks, AK:
    Homeowner........................  Fairbanks..............  Fairbanks..............  Fairbanks.
    Renter...........................  Fairbanks..............  Fairbanks..............  Fairbanks.
Juneau, AK:
    Homeowner........................  Juneau/Mendenhall......  Juneau/Mendenhall......  Juneau/Mendenhall.
    Renter...........................  Juneau/Mendenhall......  Juneau/Mendenhall......  Juneau/Mendenhall.
Nome, AK:
    Homeowner........................  Nome...................  Nome...................  Nome.
    Renter...........................  Nome...................  Nome...................  Nome.
----------------------------------------------------------------------------------------------------------------

                         Appendix 10.--Historical Home Market Values and Interest Rates
----------------------------------------------------------------------------------------------------------------
                                                Interest rate
             Area                   Year          (percent)       Income level     Market value     Annual P&I*
----------------------------------------------------------------------------------------------------------------
Anchorage, AK................            1985          10.875  Lower............         $95,004          $8,600
                               ..............  ..............  Middle...........         124,840          11,300
                               ..............  ..............  Upper............         156,302          14,148
                                         1986          10.000  Lower............          87,974           7,412
                               ..............  ..............  Middle...........         116,993           9,856
                               ..............  ..............  Upper............         143,284          12,071
                                         1987           9.375  Lower............          81,024           6,470
                               ..............  ..............  Middle...........         109,147           8,715
                               ..............  ..............  Upper............         130,227          10,398
                                         1988          10.500  Lower............          74,218           6,517
                               ..............  ..............  Middle...........         101,300           8,896
                               ..............  ..............  Upper............         117,190          10,291

[[Page 4115]]

                                         1989          11.125  Lower............          67,538           6,236
                               ..............  ..............  Middle...........          93,454           8,629
                               ..............  ..............  Upper............         112,532          10,390
                                         1990          10.250  Lower............          60,784           5,229
                               ..............  ..............  Middle...........          87,071           7,490
                               ..............  ..............  Upper............         114,783           9,874
                                         1992           9.000  Lower............          65,700           5,075
                               ..............  ..............  Middle...........          96,200           7,431
                               ..............  ..............  Upper............         139,400          10,768
                                         1993           8.125  Lower............          70,902           5,054
                               ..............  ..............  Middle...........          99,073           7,062
                               ..............  ..............  Upper............         130,815           9,324
                                         1994           7,625  Lower............          72,216           4,907
                               ..............  ..............  Middle...........          99,099           6,734
                               ..............  ..............  Upper............         124,780           8,479
                                         1995           8.625  Lower............          83,286           6,219
                               ..............  ..............  Middle...........         102,089           7,623
                               ..............  ..............  Upper............         134,580          10,049
Fairbanks, AK................            1985          10.875  Lower............          86,124           7,796
                               ..............  ..............  Middle...........         107,493           9,730
                               ..............  ..............  Upper............         148,566          13,448
                                         1986          10.000  Lower............          78,982           6,654
                               ..............  ..............  Middle...........         102,726           8,654
                               ..............  ..............  Upper............         140,199          11,811
                                         1987           9.375  Lower............          71,839           5,736
                               ..............  ..............  Middle...........          97,958           7,822
                               ..............  ..............  Upper............         131,833          10,527
                                         1988          10.500  Lower............          64,696           5,681
                               ..............  ..............  Middle...........          93,191           8,184
                               ..............  ..............  Upper............         123,467          10,842
                                         1989          11.125  Lower............          57,553           5,314
                               ..............  ..............  Middle...........          88,424           8,164
                               ..............  ..............  Upper............         115,101          10,627
                                         1990          10.250  Lower............          50,604           4,353
                               ..............  ..............  Middle...........          83,619           7,193
                               ..............  ..............  Upper............         107,143           9,217
                                         1992           9.000  Lower............          70,851           5,473
                               ..............  ..............  Middle...........         101,400           7,833
                               ..............  ..............  Upper............         137,000          10,582
                                         1993           8.125  Lower............          69,498           4,954
                               ..............  ..............  Middle...........         101,478           7,233
                               ..............  ..............  Upper............         115,787           8,253
                                         1994           7.625  Lower............          76,302           5,185
                               ..............  ..............  Middle...........         112,580           7,650
                               ..............  ..............  Upper............         127,829           8,686
                                         1995           8.708  Lower............          68,940           5,187
                               ..............  ..............  Middle...........          84,240           6,338
                               ..............  ..............  Upper............         108,426           8,157
Juneau, AK...................            1985          10.875  Lower............          97,228           8,801
                               ..............  ..............  Middle...........         112,929          10,222
                               ..............  ..............  Upper............         132,687          12,010
                                         1986          10.000  Lower............          90,811           7,651
                               ..............  ..............  Middle...........         107,283           9,038
                               ..............  ..............  Upper............         127,114          10,709
                                         1987           9.375  Lower............          83,909           6,700
                               ..............  ..............  Middle...........         100,846           8,052
                               ..............  ..............  Upper............         120,885           9,652
                                         1988          10.500  Lower............          76,441           6,713
                               ..............  ..............  Middle...........          93,787           8,236
                               ..............  ..............  Upper............         113,874          10,000
                                         1989          11.125  Lower............          68,797           6,352
                               ..............  ..............  Middle...........          86,284           7,967
                               ..............  ..............  Upper............         106,131           9,799
                                         1990          10.250  Lower............          78,429           6,747
                               ..............  ..............  Middle...........          99,227           8,536
                               ..............  ..............  Upper............         123,324          10,609
                                         1992           9.000  Lower............          89,470           6,911
                               ..............  ..............  Middle...........         114,400           8,837
                               ..............  ..............  Upper............         146,300          11,301
                                         1993           8.125  Lower............          87,570           6,242
                               ..............  ..............  Middle...........         115,518           8,234

[[Page 4116]]

                               ..............  ..............  Upper............         134,232           9,568
                                         1994           7.625  Lower............          92,826           6,307
                               ..............  ..............  Middle...........         117,364           7,975
                               ..............  ..............  Upper............         140,760           9,564
                                         1995           8.625  Lower............         102,879           7,682
                               ..............  ..............  Middle...........         138,723          10,358
                               ..............  ..............  Upper............         163,812          12,231
Nome, AK.....................            1985          10.875  Lower............          86,836           7,860
                               ..............  ..............  Middle...........         114,834          10,394
                               ..............  ..............  Upper............         138,156          12,506
                                         1986           10.00  Lower............          84,057           7,082
                               ..............  ..............  Middle...........         111,159           9,365
                               ..............  ..............  Upper............         133,735          11,267
                                         1987           9.375  Lower............          81,367           6,497
                               ..............  ..............  Middle...........         107,602           8,592
                               ..............  ..............  Upper............         129,445          10,337
                                         1988          10.500  Lower............          78,763           6,917
                               ..............  ..............  Middle...........         104,159           9,147
                               ..............  ..............  Upper............         125,312          11,004
                                         1989          11.125  Lower............          76,243           7,040
                               ..............  ..............  Middle...........         100,826           9,309
                               ..............  ..............  Upper............         121,302          11,200
                                         1990          10.250  Lower............          73,803           6,349
                               ..............  ..............  Middle...........          97,600           8,396
                               ..............  ..............  Upper............         117,420          10,101
                                         1992           9.000  Lower............          71,100           5,492
                               ..............  ..............  Middle...........          97,500           7,531
                               ..............  ..............  Upper............         122,400           9,455
                                         1993           8.125  Lower............          56,453           4,024
                               ..............  ..............  Middle...........          77,415           5,518
                               ..............  ..............  Upper............          97,186           6,927
                                         1994           7.625  Lower............          82,365           5,597
                               ..............  ..............  Middle...........         112,948           7,675
                               ..............  ..............  Upper............         141,794           9,635
                                         1995           8.625  Lower............          81,711           6,101
                               ..............  ..............  Middle...........         118,027           8,813
                               ..............  ..............  Upper............         154,343          11,524
Washington, DC (DC)..........            1985          10.250  Lower............          58,996           5,075
                               ..............  ..............  Middle...........          90,194           7,759
                               ..............  ..............  Upper............         160,600          13,816
                                         1986          10.250  Lower............          64,778           5,573
                               ..............  ..............  Middle...........          99,213           8,535
                               ..............  ..............  Upper............         173,448          14,921
                                         1987          10.205  Lower............          70,543           6,069
                               ..............  ..............  Middle...........         113,015           9,722
                               ..............  ..............  Upper............         187,324          16,115
                                         1988          10.500  Lower............          76,327           6,703
                               ..............  ..............  Middle...........         126,817          11,136
                               ..............  ..............  Upper............         202,310          17,766
                                         1989           9.625  Lower............          82,128           6,702
                               ..............  ..............  Middle...........         140,619          11,474
                               ..............  ..............  Upper............         218,495          17,829
                                         1990           9.875  Lower............          87,877           7,326
                               ..............  ..............  Middle...........         140,974          11,752
                               ..............  ..............  Upper............         235,975          19,671
                                         1992           9.250  Lower............          92,007           7,266
                               ..............  ..............  Middle...........         147,600          11,657
                               ..............  ..............  Upper............         247,100          19,515
                                         1993           8.125  Lower............          88,083           6,279
                               ..............  ..............  Middle...........         115,960           8,266
                               ..............  ..............  Upper............         250,512          17,856
                                         1994           7.625  Lower............          91,431           6,213
                               ..............  ..............  Middle...........         104,572           7,105
                               ..............  ..............  Upper............         302,073          20,525
                                         1995           8.646  Lower............          79,326           5,934
                               ..............  ..............  Middle...........         105,196           7,870
                               ..............  ..............  Upper............         326,995          24,463
Washington, DC (MD)..........            1985          10.250  Lower............          54,572           4,695
                               ..............  ..............  Middle...........          84,505           7,270
                               ..............  ..............  Upper............         100,545           8,649
                                         1986          10.250  Lower............          60,029           5,164

[[Page 4117]]

                               ..............  ..............  Middle...........          92,955           7,997
                               ..............  ..............  Upper............         110,600           9,514
                                         1987          10.125  Lower............          66,032           5,622
                               ..............  ..............  Middle...........         102,250           8,705
                               ..............  ..............  Upper............         121,660          10,358
                                         1988          10.375  Lower............          73,295           6,371
                               ..............  ..............  Middle...........         113,498           9,865
                               ..............  ..............  Upper............         135,043          11,738
                                         1989          10.000  Lower............          81,357           6,854
                               ..............  ..............  Middle...........         125,983          10,614
                               ..............  ..............  Upper............         149,898          12,628
                                         1990           9.875  Lower............          89,493           7,460
                               ..............  ..............  Middle...........         138,581          11,552
                               ..............  ..............  Upper............         164,888          13,745
                                         1992           8.750  Lower............          96,115           7,259
                               ..............  ..............  Middle...........         148,836          11,241
                               ..............  ..............  Upper............         172,555          13,032
                                         1993           8.250  Lower............         104,832           7,561
                               ..............  ..............  Middle...........         125,723           9,067
                               ..............  ..............  Upper............         211,667          15,266
                                         1994           7.500  Lower............          90,279           6,060
                               ..............  ..............  Middle...........         121,527           8,157
                               ..............  ..............  Upper............         208,777          14,014
                                         1995           8.542  Lower............          89,532           6,634
                               ..............  ..............  Middle...........         150,449          11,149
                               ..............  ..............  Upper............         205,683          15,241
Washington, DC (VA)..........            1985          10.250  Lower............          65,608           5,644
                               ..............  ..............  Middle...........          74,031           6,369
                               ..............  ..............  Upper............         122,748          10,559
                                         1986          10.250  Lower............          70,857           6,096
                               ..............  ..............  Middle...........          79,954           6,878
                               ..............  ..............  Upper............         132,568          11,404
                                         1987          10.125  Lower............          76,526           6,515
                               ..............  ..............  Middle...........          86,350           7,351
                               ..............  ..............  Upper............         143,173          12,189
                                         1988          10.500  Lower............          83,413           7,325
                               ..............  ..............  Middle...........          94,122           8,265
                               ..............  ..............  Upper............         156,059          13,704
                                         1989           9.500  Lower............          90,086           7,272
                               ..............  ..............  Middle...........         101,652           8,206
                               ..............  ..............  Upper............         168,544          13,605
                                         1990          10.000  Lower............          97,293           8,197
                               ..............  ..............  Middle...........         109,784           9,249
                               ..............  ..............  Upper............         182,028          15,335
                                         1992           9.000  Lower............         107,100           8,273
                               ..............  ..............  Middle...........         120,900           9,339
                               ..............  ..............  Upper............         190,400          14,707
                                         1993           8.125  Lower............          95,184           6,785
                               ..............  ..............  Middle...........         125,047           8,913
                               ..............  ..............  Upper............         182,325          12,996
                                         1994           7.750  Lower............          95,247           6,551
                               ..............  ..............  Middle...........         126,763           8,718
                               ..............  ..............  Upper............         181,492          12,482
                                         1995           8.604  Lower............         103,266           7,696
                               ..............  ..............  Middle...........         166,673          12,421
                               ..............  ..............  Upper............         216,274          16,118
----------------------------------------------------------------------------------------------------------------
* Principal and interest assumes 80% financing.

                                      Appendix 11.--Historical Housing Data
                                              [Winter 1995 Survey]
----------------------------------------------------------------------------------------------------------------
                                             Lower                  Middle                   Upper
            Year                Weights     amounts    Subtotal     amounts    Subtotal     amounts    Subtotal
----------------------------------------------------------------------------------------------------------------
Anchorage:
    1985....................        6.31      $8,600      542.66     $11,300      713.03     $14,148      892.74
    1986....................        6.77       7,412      501.79       9,856      667.25      12,071      817.21
    1987....................        8.19       6,470      529.89       8,715      713.76      10,398      851.60
    1988....................        7.03       6,517      458.15       8,896      625.39      10,291      723.46
    1989....................        7.72       6,236      481.42       8,629      666.16      10,390      802.11

[[Page 4118]]

    1990....................        8.32       5,229      435.05       7,490      623.17       9,874      821.52
    1992....................       10.08       5,075      511.56       7,431      749.04      10,768    1,085.41
    1993....................       12.92       5,054      652.98       7,062      912.41       9,324    1,204.66
    1994....................       13.78       4,907      676.18       6,734      927.95       8,479    1,168.41
    1995....................       18.88       6,219    1,174.15       7,623    1,439.22      10,049    1,897.25
                             -----------------------------------------------------------------------------------
      Totals................      100.00  ..........       5,964  ..........       8,037  ..........      10,264
                             ===================================================================================
Fairbanks:
    1985....................        6.31      $7,796      491.93      $9,730      613.96     $13,448      848.57
    1986....................        6.77       6,654      450.48       8,654      585.88      11,811      799.60
    1987....................        8.19       5,736      469.78       7,822      640.62      10,527      862.16
    1988....................        7.03       5,681      399.37       8,184      575.34      10,842      762.19
    1989....................        7.72       5,314      410.24       8,164      630.26      10,627      820.40
    1990....................        8.32       4,353      362.17       7,193      598.46       9,217      766.85
    1992....................       10.08       5,473      551.68       7,833      789.57      10,582    1,066.67
    1993....................       12.92       4,954      640.06       7,233      934.50       8,253    1,066.29
    1994....................       13.78       5,185      714.49       7,650    1,054.17       8,686    1,196.93
    1995....................       18.88       5,187      979.31       6,338    1,196.61       8,157    1,540.04
                             -----------------------------------------------------------------------------------
      Totals................      100.00  ..........       5,470  ..........       7,619  ..........       9,730
                             ===================================================================================
Juneau:
    1985....................        6.31      $8,801      555.34     $10,222      645.01     $12,010      757.83
    1986....................        6.77       7,651      517.97       9,038      611.87      10,709      725.00
    1987....................        8.19       6,700      548.73       8,052      659.46       9,652      790.50
    1988....................        7.03       6,713      471.92       8,236      578.99      10,000      703.00
    1989....................        7.72       6,352      490.37       7,967      615.05       9,799      756.48
    1990....................        8.32       6,747      561.35       8,536      710.20      10,609      822.67
    1992....................       10.08       6,911      696.63       8,837      890.77      11,301    1,139.14
    1993....................       12.92       6,242      806.47       8,234    1,063.83       9,568    1,236.19
    1994....................       13.78       6,307      869.10       7,975    1,098.96       9,564    1,317.92
    1995....................       18.88       7,682    1,450.36      10,358    1,955.59      12,231    2,309.21
                             -----------------------------------------------------------------------------------
      Totals................      100.00  ..........       6,968  ..........       8,830  ..........      10,618
                             ===================================================================================
Nome:
    1985....................        6.31      $7,860      495.97     $10,394      655.86     $12,506      789.13
    1986....................        6.77       7,082      479.45       9,365      634.01      11,267      762.78
    1987....................        8.19       6,497      532.10       8,592      703.68      10,337      846.60
    1988....................        7.03       6,917      486.27       9,147      643.03      11,004      773.58
    1989....................        7.72       7,040      543.49       9,309      718.65      11,200      864.64
    1990....................        8.32       6,349      528.24       8,396      698.55      10,101      840.40
    1992....................       10.08       5,492      553.59       7,531      759.12       9,455      953.06
    1993....................       12.92       4,024      519.90       5,518      712.93       6,927      894.97
    1994....................       13.78       5,597      771.27       7,675    1,057.62       9,635    1,327.70
    1995....................       18.88       6,101    1,151.87       8,813    1,663.89      11,524    2,175.73
                             -----------------------------------------------------------------------------------
      Totals................      100.00  ..........       6,062  ..........       8,247  ..........      10,229
                             ===================================================================================
DC-DC:
    1985....................        6.31      $5,075      320.23      $7,759      489.59     $13,816      871.79
    1986....................        6.77       5,573      377.29       8,535      577.82      14,921    1,010.15
    1987....................        8.19       6,069      497.05       9,722      796.23      16,115    1,319.82
    1988....................        7.03       6,703      471.22      11,136      782.86      17,766    1,248.95
    1989....................        7.72       6,702      517.39      11,474      885.79      17,829    1,376.40
    1990....................        8.32       7,326      609.52      11,752      977.77      19,671    1,636.63
    1992....................       10.08       7,266      732.41      11,657    1,175.03      19,515    1,967.11
    1993....................       12.92       6,279      811.25       8,266    1,067.97      17,856    2,307.00
    1994....................       13.78       6,213      856.15       7,105      979.07      20,525    2,828.35
    1995....................       18.88       5,934    1,120.34       7,870    1,485.86      24,463    4,618.61
                             -----------------------------------------------------------------------------------
      Totals................      100.00  ..........       6,313  ..........       9,218  ..........      19,185
                             ===================================================================================
DC-MD:
    1985....................        6.31      $4,695      296.25      $7,270      458.74      $8,649      545.75
    1986....................        6.77       5,164      349.60       7,997      541.40       9,514      644.10
    1987....................        8.19       5,622      460.44       8,705      712.94      10,358      848.32
    1988....................        7.03       6,371      447.88       9,865      693.51      11,738      825.18
    1989....................        7.72       6,854      529.13      10,614      819.40      12,628      974.88

[[Page 4119]]

    1990....................        8.32       7,460      620.67      11,552      961.13      13,745    1,143.58
    1992....................       10.08       7,259      731.71      11,241    1,133.09      13,032    1,313.63
    1993....................       12.92       7,561      976.88       9,067    1,171.46      15,266    1,972.37
    1994....................       13.78       6,060      835.07       8,157    1,124.03      14,014    1,931.13
    1995....................       18.88       6,634    1,252.50      11,149    2,104.93      15,241    2,877.50
                             -----------------------------------------------------------------------------------
      Totals................      100.00  ..........       6,500  ..........       9,721  ..........      13,076
                             ===================================================================================
DC-VA:
    1985....................        6.31      $5,644      356.14      $6,369      401.88     $10,559      666.27
    1986....................        6.77       6,096      412.70       6,878      465.64      11,404      772.05
    1987....................        8.19       6,515      533.58       7,351      602.05      12,189      998.28
    1988....................        7.03       7,325      514.95       8,265      581.03      13,704      963.39
    1989....................        7.72       7,272      561.40       8,206      633.50      13,605    1,050.31
    1990....................        8.32       8,197      681.99       9,249      769.52      15,335    1,275.87
    1992....................       10.08       8,273      833.92       9,339      941.37      14,707    1,482.47
    1993....................       12.92       6,785      876.62       8,913    1,151.56      12,996    1,679.08
    1994....................       13.78       6,551      902.73       8,718    1,201.34      12,482    1,720.02
    1995....................       18.88       7,696    1,453.00      12,421    2,345.08      16,118    3,043.08
                             -----------------------------------------------------------------------------------
      Totals................      100.00  ..........       7,127  ..........       9,093  ..........      13,651
----------------------------------------------------------------------------------------------------------------

                                                        Appendix 12.--Summary of Rental Analyses
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                               1995 Data medians
                                                      --------------------------------------------------------------------------------------------------
                                                                     B&NB                           Non-Brkr                          Broker
                                                      --------------------------------------------------------------------------------------------------
                                                                               Change                           Change                           Change
                                                           #          $      (percent)      #          $      (percent)      #          $      (percent)
--------------------------------------------------------------------------------------------------------------------------------------------------------
Anchorage:
    Low..............................................        117        594        4.0        111        575        6.3          6        613        2.2
    Middle...........................................        176        688       -0.6        170        663       -1.0          6        713        0.0
    High.............................................        133      1,100        4.9        121      ,1000        0.2         12      1,200        9.1
Fairbanks:
    Low..............................................        112        527        5.0        105        520        5.3          7        533        4.7
    Middle...........................................        144        700       10.6        137        650        3.2          7        750       18.1
    High.............................................        183        927        9.1        169        875        7.8         14        978       10.3
Juneau:
    Low..............................................         32        694        1.8         26        700       -0.4          6        688        4.2
    Middle...........................................         51        863        0.5         45        900        2.4          6        825       -1.6
    High.............................................         47       1175        6.9         35      1,200        5.7         12      1,150        8.2
Nome:
    Low..............................................         12        663       -2.1          4        650       -5.8          8        675        1.8
    Middle...........................................         18        825       -2.6         10        800       -4.1          8        850       -1.2
    High.............................................          8      1,038       -0.9          0          0         NA          8      1,038       -2.1
DCDC:
    Low..............................................        205        413      -10.8        199        400      -10.5          6        425      -11.3
    Middle...........................................        172        548      -10.7        166        545      -13.2          6        550       -8.3
    High.............................................        125       1238      -15.2        107      1,025      -10.1         18      1,450      -18.5
DCMD:
    Low..............................................         71        524       -4.6         65        510       -2.5          6        538       -6.4
    Middle...........................................         97        643      -18.6         91        635      -20.5          6        650      -16.8
    High.............................................        136        995       -3.5        124        990       -3.0         12      1,000       -3.9
DCVA:
    Low..............................................         40        584       -2.2         34      592.5       -0.3          6        575       -4.2
    Middle...........................................        188        855       10.5        182        759       -5.9          6        950       28.4
    High.............................................        195      1,175       14.7        183      1,150       16.8         12      1,200       12.9
--------------------------------------------------------------------------------------------------------------------------------------------------------

[[Page 4120]]

                                                           Appendix 13.--Housing Cost Analysis
                                                      [Location: Anchorage, AK, Winter 1995 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                   Annual costs
                                                         -----------------------------------------------------------------------------------------------
                        Category                                   Lower income                    Middle income                   Upper income
                                                         -----------------------------------------------------------------------------------------------
                                                               Owner          Renter           Owner          Renter           Owner          Renter
--------------------------------------------------------------------------------------------------------------------------------------------------------
Maintenance.............................................            $559  ..............            $658  ..............            $757  ..............
Insurance...............................................             388            $149             428            $149             456            $189
Utilities...............................................           2,093           1,840           2,410           2,093           2,726           2,241
Real Estate Taxes.......................................           1,477  ..............           1,811  ..............           2,387  ..............
Housing.................................................           5,964           7,128           8,037           8,256          10,264          13,200
                                                         -----------------------------------------------------------------------------------------------
      Total Annual Cost.................................         $10,481          $9,117         $13,344         $10,498         $16,590         $15,630
--------------------------------------------------------------------------------------------------------------------------------------------------------

                                                                  Housing Cost Analysis
                                                      [Location: Fairbanks, AK, Winter 1995 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                Annual costs
                                                   -----------------------------------------------------------------------------------------------------
                     Category                                 Lower income                      Middle income                     Upper income
                                                   -----------------------------------------------------------------------------------------------------
                                                         Owner            Renter           Owner            Renter           Owner            Renter
--------------------------------------------------------------------------------------------------------------------------------------------------------
Maintenance.......................................             $461  ...............             $542  ...............             $623  ...............
Insurance.........................................              428             $189              522             $189              968             $250
Utilities.........................................            2,732            2,393            3,155            2,732            3,579            2,929
Real Estate Taxes.................................            1,319  ...............            1,612  ...............            2,074  ...............
Housing...........................................            5,470            6,324            7,619            8,400            9,730           11,124
                                                   -----------------------------------------------------------------------------------------------------
      Total Annual Cost...........................          $10,410           $8,906          $13,450          $11,321          $16,974          $14,303
--------------------------------------------------------------------------------------------------------------------------------------------------------

                                                                  Housing Cost Analysis
                                                       [Location: Juneau, AK, Winter 1995 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                   Annual costs
                                                         -----------------------------------------------------------------------------------------------
                        Category                                   Lower income                    Middle income                   Upper income
                                                         -----------------------------------------------------------------------------------------------
                                                               Owner          Renter           Owner          Renter           Owner          Renter
--------------------------------------------------------------------------------------------------------------------------------------------------------
Maintenance.............................................            $441  ..............            $519  ..............            $597  ..............
Insurance...............................................             273            $164             310            $150             346            $191
Utilities...............................................           2,954           2,578           3,424           2,954           3,893           3,173
Real Estate Taxes.......................................           1,449  ..............           1,953  ..............           2,306  ..............
Housing.................................................           6,968           8,328           8,830          10,356          10,618          14,100
                                                         -----------------------------------------------------------------------------------------------
      Total annual cost.................................         $12,085         $11,070         $15,036         $13,460         $17,760         $17,464
--------------------------------------------------------------------------------------------------------------------------------------------------------

                                                                  Housing Cost Analysis
                                                        [Location: Nome, AK, Winter 1995 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                   Annual costs
                                                         -----------------------------------------------------------------------------------------------
                        Category                                   Lower income                    Middle income                   Upper income
                                                         -----------------------------------------------------------------------------------------------
                                                               Owner          Renter           Owner          Renter           Owner          Renter
--------------------------------------------------------------------------------------------------------------------------------------------------------
Maintenance.............................................            $359  ..............            $422  ..............            $485  ..............
Insurance...............................................             440            $224             493            $224             571            $309
Utilities...............................................           3,960           3,438           4,613           3,960           5,266           4,265
Real Estate Taxes.......................................             878  ..............           1,269  ..............           1,659  ..............
Housing.................................................           6,062           7,956           8,247           9,900          10,229          12,456
                                                         -----------------------------------------------------------------------------------------------
      Total annual cost.................................         $11,699         $11,618         $15,044         $14,084         $18,210         $17,030
--------------------------------------------------------------------------------------------------------------------------------------------------------

[[Page 4121]]

                                                                  Housing Cost Analysis
                                                    [Location: Washington DC, DC, Winter 1995 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                   Annual costs
                                                         -----------------------------------------------------------------------------------------------
                        Category                                   Lower income                    Middle income                   Upper income
                                                         -----------------------------------------------------------------------------------------------
                                                               Owner          Renter           Owner          Renter           Owner          Renter
--------------------------------------------------------------------------------------------------------------------------------------------------------
Maintenance.............................................            $302  ..............            $355  ..............            $408  ..............
Insurance...............................................             321            $147             363            $147             905            $189
Utilities...............................................           1,932           1,705           2,217           1,932           2,501           2,965
Real Estate Taxes.......................................             474  ..............             722  ..............           2,851  ..............
Housing.................................................           6,313           4,956           9,218           6,576          19,185          14,856
                                                         -----------------------------------------------------------------------------------------------
      Total annual cost.................................          $9,342          $6,808         $12,875          $8,655         $25,850         $17,110
--------------------------------------------------------------------------------------------------------------------------------------------------------

                                                                  Housing Cost Analysis
                                                    [Location: Washington DC, MD, Winter 1995 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                   Annual costs
                                                         -----------------------------------------------------------------------------------------------
                        Category                                   Lower income                    Middle income                   Upper income
                                                         -----------------------------------------------------------------------------------------------
                                                               Owner          Renter           Owner          Renter           Owner          Renter
--------------------------------------------------------------------------------------------------------------------------------------------------------
Maintenance.............................................            $315  ..............            $371  ..............            $427  ..............
Insurance...............................................             242             $89             232             $82             305            $116
Utilities...............................................           2,048           1,809           2,346           2,048           2,644           2,187
Real Estate Taxes.......................................           1,215  ..............           2,042  ..............           2,792  ..............
Housing.................................................           6,500           6,288           9,721           7,716          13,076          11,940
                                                         -----------------------------------------------------------------------------------------------
      Total annual cost.................................         $10,320          $8,186         $14,712          $9,846         $19,244         $14,243
--------------------------------------------------------------------------------------------------------------------------------------------------------

                                                                  Housing Cost Analysis
                                                    [Location: Washington DC, VA, Winter 1995 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                   Annual costs
                                                         -----------------------------------------------------------------------------------------------
                        Category                                   Lower income                    Middle income                   Upper income
                                                         -----------------------------------------------------------------------------------------------
                                                               Owner          Renter           Owner          Renter           Owner          Renter
--------------------------------------------------------------------------------------------------------------------------------------------------------
Maintenance.............................................            $298  ..............            $351  ..............            $404  ..............
Insurance...............................................             166            $102             200            $100             244            $122
Utilities...............................................           2,102           1,853           2,413           2,102           2,724           2,247
Real Estate Taxes.......................................           1,302  ..............           2,101  ..............           2,727  ..............
Housing.................................................           7,127           7,008           9,093          10,260          13,651          14,100
                                                         -----------------------------------------------------------------------------------------------
      Total annual cost.................................         $10,995          $8,936         $14,158         $12,462         $19,750         $16,469
--------------------------------------------------------------------------------------------------------------------------------------------------------

                                 Housing Cost Analysis--Washington DC Composite
                                              [Winter 1995 Survey]
----------------------------------------------------------------------------------------------------------------
                                                                          Annual costs
                                               -----------------------------------------------------------------
              Location                Weights       Lower income          Middle income         Upper income
                                               -----------------------------------------------------------------
                                                  Owner      Renter     Owner      Renter     Owner      Renter
----------------------------------------------------------------------------------------------------------------
Washington DC, DC..................      33.34     $9,342     $6,808    $12,875     $8,655    $25,850    $17,110
Washington DC, MD..................      33.33     10,320      8,186     14,712      9,846     19,244     14,243
Washington DC, VA..................      33.33     10,995      8,963     14,158     12,462     19,750     16,469
                                    ----------------------------------------------------------------------------
        Total weight...............     100.00  .........  .........  .........  .........  .........  .........
                                    ============================================================================
        Composite cost.............  .........    $10,219     $7,986    $13,915    $10,321    $21,615    $15,941
----------------------------------------------------------------------------------------------------------------

[[Page 4122]]

                                                             Appendix 14.--Housing Analysis
                                                      [Location: Anchorage, AK, Winter 1995 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                              Owners                                          Renters
                                                         -----------------------------------------------------------------------------------------------
                                                           Total annual   Total cost  DC                   Total annual   Total cost  DC
                                                               cost            area            Index           cost            area            Index
--------------------------------------------------------------------------------------------------------------------------------------------------------
Lower income............................................         $10,481         $10,219          102.56          $9,117          $7,986          114.16
Middle income...........................................          13,344          13,915           95.90          10,498          10,321          101.71
Upper income............................................          16,590          21,615           76.75          15,630          15,941           98.05
--------------------------------------------------------------------------------------------------------------------------------------------------------

                                                                    Housing Analysis
                                                      [Location: Fairbanks, AK, Winter 1995 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                              Owners                                          Renters
                                                         -----------------------------------------------------------------------------------------------
                                                           Total annual   Total cost  DC                   Total annual   Total cost  DC
                                                               cost            area            Index           cost            area            Index
--------------------------------------------------------------------------------------------------------------------------------------------------------
Lower income............................................         $10,410         $10,219          101.87          $8,906          $7,986          111.52
Middle income...........................................          13,450          13,915           96.66          11,321          10,321          109.69
Upper income............................................          16,974          21,615           78.53          14,303          15,941           89.72
--------------------------------------------------------------------------------------------------------------------------------------------------------

                                                                    Housing Analysis
                                                       [Location: Juneau, AK, Winter 1995 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                              Owners                                          Renters
                                                         -----------------------------------------------------------------------------------------------
                                                           Total annual    Total cost DC                   Total annual   Total cost  DC
                                                               cost            area            Index           cost            area            Index
--------------------------------------------------------------------------------------------------------------------------------------------------------
Lower income............................................         $12,085         $10,219          118.26         $11,070          $7,986          138.62
Middle income...........................................          15,036          13,915          108.06          13,460          10,321          130.41
Upper income............................................          17,760          21,615           82.17          17,464          15,941          109.55
--------------------------------------------------------------------------------------------------------------------------------------------------------

                                                                    Housing Analysis
                                                        [Location: Nome, AK, Winter 1995 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                              Owners                                          Renters
                                                         -----------------------------------------------------------------------------------------------
                                                           Total annual   Total cost  DC                   Total annual   Total cost  DC
                                                               cost            area            Index           cost            area            Index
--------------------------------------------------------------------------------------------------------------------------------------------------------
Lower income............................................         $11,699         $10,219          114.48         $11,618          $7,986          145.48
Middle income...........................................          15,044          13,915          108.11          14,084          10,321          136.46
Upper income............................................          18,210          21,615           84.25          17,030          15,941          106.83
--------------------------------------------------------------------------------------------------------------------------------------------------------

                               Appendix 15.--Private Transportation Cost Analysis
                                  [Location: Anchorage, AK, Winter 1995 Survey]
----------------------------------------------------------------------------------------------------------------
                                                                                   Annual costs
                                                                 -----------------------------------------------
                            Category                                Honda Civic     Ford Taurus    Chevrolet S10
                                                                   1.5L 4 cyl DX   3.0L 6 cyl GL   Blazer 4.3L 6
                                                                    4 dr sedan      4 dr sedan     cyl 4WD 2 dr
----------------------------------------------------------------------------------------------------------------
Fuel............................................................            $982          $1,423          $1,779
Maintenance/oil.................................................             645             549             581
Tires...........................................................             122             177             189
License and registration........................................             118             118             118
Miscellaneous tax...............................................              66              66              66
Depreciation....................................................           3,106           3,241           2,438
Finance expense.................................................             803             829             930
Insurance.......................................................           1,092           1,092           1,284
                                                                 -----------------------------------------------
    Total annual costs..........................................          $6,934          $7,495          $7,385
----------------------------------------------------------------------------------------------------------------

[[Page 4123]]

                                      Private Transportation Cost Analysis
                                  [Location: Fairbanks, AK, Winter 1995 Survey]
----------------------------------------------------------------------------------------------------------------
                                                                                   Annual costs
                                                                 -----------------------------------------------
                            Category                                Honda Civic     Ford Taurus    Chevrolet S10
                                                                   1.5L 4 cyl DX   3.0L 6 cyl GL   Blazer 4.3L 6
                                                                    4 dr sedan      4 dr sedan     cyl 4WD 2 dr
----------------------------------------------------------------------------------------------------------------
Fuel............................................................            $963          $1,396          $1,745
Maintenance/oil.................................................             782             795             782
Tires...........................................................             131             173             172
License and registration........................................              52              52              52
Miscellaneous tax...............................................               0               0               0
Depreciation....................................................           3,096           3,580           3,456
Finance expense.................................................             786             873           1,067
Insurance.......................................................           1,062             992           1,253
                                                                 -----------------------------------------------
    Total annual cost...........................................          $6,872          $7,861          $8,527
----------------------------------------------------------------------------------------------------------------

                                      Private Transportation Cost Analysis
                                   [Location: Juneau, AK, Winter 1995 Survey]
----------------------------------------------------------------------------------------------------------------
                                                                                   Annual costs
                                                                 -----------------------------------------------
                            Category                                Honda Civic     Ford Taurus    Chevrolet S10
                                                                   1.5L 4 cyl DX   3.0L 6 cyl GL   Blazer 4.3L 6
                                                                    4 dr sedan      4 dr sedan     cyl 4WD 2 dr
----------------------------------------------------------------------------------------------------------------
Fuel............................................................            $785          $1,138          $1,423
Maintenance/oil.................................................             698             633             671
Tires...........................................................             107             171             145
License and registration........................................              52              52              52
Miscellaneous tax...............................................               0               0               0
Depreciation....................................................           2,595           3,242           2,445
Finance expense.................................................             743             859             964
Insurance.......................................................             831             831             935
                                                                 -----------------------------------------------
    Total annual cost...........................................          $5,811          $6,926          $6,635
----------------------------------------------------------------------------------------------------------------

                                      Private Transportation Cost Analysis
                                    [Location: Nome, AK, Winter 1995 Survey]
----------------------------------------------------------------------------------------------------------------
                                                                                   Annual costs
                                                                 -----------------------------------------------
                            Category                                Honda Civic     Ford Taurus    Chevrolet S10
                                                                   1.5L 4 cyl DX   3.0L 6 cyl GL   Blazer 4.3L 6
                                                                    4 dr sedan      4 dr sedan     cyl 4WD 2 dr
----------------------------------------------------------------------------------------------------------------
Fuel............................................................          $1,351          $1,959          $2,449
Maintenance/oil.................................................             664             667             705
Tires...........................................................             142             201             210
License and registration........................................             118             118             118
Miscellaneous tax...............................................               0               0               0
Depreciation....................................................           3,819           4,142           3,155
Finance expense.................................................             780             831             871
Insurance.......................................................             976             976           1,110
                                                                 -----------------------------------------------
    Total annual cost...........................................          $7,850          $8,894          $8,618
----------------------------------------------------------------------------------------------------------------

                                      Private Transportation Cost Analysis
                               [Location: Washington, DC, DC, Winter 1995 Survey]
----------------------------------------------------------------------------------------------------------------
                                                                                   Annual costs
                                                                 -----------------------------------------------
                            Category                                Honda Civic     Ford Taurus    Chevrolet S10
                                                                   1.5L 4 cyl DX   3.0L 6 cyl GL   Blazer 4.3L 6
                                                                    4 dr sedan      4 dr sedan     cyl 4WD 2 dr
----------------------------------------------------------------------------------------------------------------
Fuel............................................................            $687            $996          $1,245
Maintenance/oil.................................................             475             455             346
Tires...........................................................              78             102             117
License and registration........................................              69              69             102
Miscellaneous tax...............................................               0               0               0

[[Page 4124]]

Depreciation....................................................           2,542           3,233           3,040
Finance expense.................................................             704             824           1,025
Insurance.......................................................           1,170           1,197           1,355
                                                                 -----------------------------------------------
      Total annual cost.........................................          $5,725          $6,876          $7,230
----------------------------------------------------------------------------------------------------------------

                                      Private Transportation Cost Analysis
                               [Location: Washington, DC, MD, Winter 1995 Survey]
----------------------------------------------------------------------------------------------------------------
                                                                                   Annual costs
                                                                 -----------------------------------------------
                            Category                                Honda Civic     Ford Taurus    Chevrolet S10
                                                                   1.5L 4 cyl DX   3.0L 6 cyl GL   Blazer 4.3L 6
                                                                    4 dr sedan      4 dr sedan     cyl 4WD 2 dr
----------------------------------------------------------------------------------------------------------------
Fuel............................................................            $650            $943          $1,179
Maintenance/oil.................................................             395             345             346
Tires...........................................................              78              91             107
License and registration........................................              39              39              39
Miscellaneous tax...............................................               0               0               0
Depreciation....................................................           2,414           3,058           2,849
Finance expense.................................................             638             743             928
Insurance.......................................................             884             986             935
                                                                 -----------------------------------------------
    Total annual costs..........................................          $5,098          $6,205          $6,383
----------------------------------------------------------------------------------------------------------------

                                      Private Transportation Cost Analysis
                               [Location: Washington, DC, VA, Winter 1995 Survey]
----------------------------------------------------------------------------------------------------------------
                                                                                   Annual costs
                                                                 -----------------------------------------------
                            Categroy                                Honda Civic     Ford Taurus    Chevrolet S10
                                                                   1.5L 4 cyl DX   3.0L 6 cyl GL   Blazer 4.3L 6
                                                                    4 dr sedan      4 dr sedan     cyl 4WD 2 dr
----------------------------------------------------------------------------------------------------------------
Fuel............................................................            $641            $930          $1,162
Maintenance/oil.................................................             385             365             349
Tires...........................................................              73              89             105
License and registration........................................              52              52              52
Miscellaneous tax...............................................             297             340             491
Depreciation....................................................           2,304           3,154           2,667
Finance expense.................................................             619             755             897
Insurance.......................................................             723             731             791
                                                                 -----------------------------------------------
    Total annual cost...........................................          $5,094          $6,416          $6,514
----------------------------------------------------------------------------------------------------------------

                          Private Transportation Cost Analysis--Washington DC Composite
                                              [Winter 1995 Survey]
----------------------------------------------------------------------------------------------------------------
                                                                                   Annual costs
                                                                 -----------------------------------------------
                    Location                          Weights       Honda Civic     Ford Taurus    Chevrolet S10
                                                                  1.5L 4 cyl DX4   3.0L 6 cyl GL   Blazer 4.3L 6
                                                                     dr sedan       4 dr sedan     cyl 4WD 2 dr
----------------------------------------------------------------------------------------------------------------
Washington DC, DC...............................           33.34          $5,725          $6,876          $7,230
Washington DC, MD...............................           33.33           5,098           6,205           6,383
Washington DC, VA...............................           33.33           5,094           6,416           6,514
                                                 ---------------------------------------------------------------
    Total weight................................          100.00  ..............  ..............  ..............
                                                 ===============================================================
    Composite cost..............................  ..............          $5,306          $6,499          $6,709
----------------------------------------------------------------------------------------------------------------

[[Page 4125]]

             Appendix 16.--Air Fares and Other Transporation Expenses Cost Analysis Summary Program
                                              [Winter 1995 Survey]
----------------------------------------------------------------------------------------------------------------
                                                                   Air fares and
                                                                       other       Total cost DC
                            Location                              transportation       area            Index
                                                                   expenses cost
----------------------------------------------------------------------------------------------------------------
Anchorage, AK...................................................            $498            $400          124.43
Fairbanks, AK...................................................             608             400          151.92
Juneau, AK......................................................             522             400          130.43
Nome, AK........................................................             882             400          220.38
----------------------------------------------------------------------------------------------------------------

                                      Appendix 17.--Transportation Analysis
                                  [Location: Anchorage, AK, Winter 1995 Survey]
----------------------------------------------------------------------------------------------------------------
                                                                   Total annual    Total cost DC
                             Vehicle                                   cost            area            Index
----------------------------------------------------------------------------------------------------------------
1. Honda Civic DX 4 dr sdn 1.5L 4 cyl...........................          $6,934          $5,306          130.69
2. Ford Taurur GL 4 dr sedan 3.0L 6 cyl.........................           7,495           6,499          115.33
3. Chevy S10 Blazer 4WD 2 dr 4.3L 6 cyl.........................           7,385           6,709          110.08
                                                                 -----------------------------------------------
    Average index...............................................  ..............  ..............          118.70
----------------------------------------------------------------------------------------------------------------

                                                                 Transportation Summary
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income
                           Category                              Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
Private transportation.......................................       118.70        94.64       112.34        93.54       111.04        92.47       109.76
Air fares and other transportation expenses..................       124.43         5.36         6.66         6.46         8.03         7.53         9.37
                                                              ------------------------------------------------------------------------------------------
    Total weights............................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
    Total indexes:
      Lower..................................................  ...........  ...........       119.00  ...........  ...........  ...........  ...........
      Middle.................................................  ...........  ...........  ...........  ...........       119.07  ...........  ...........
      Upper..................................................  ...........  ...........  ...........  ...........  ...........  ...........       119.13
--------------------------------------------------------------------------------------------------------------------------------------------------------

                                             Transportation Analysis
                                  [Location: Fairbanks, AK, Winter 1995 Survey]
----------------------------------------------------------------------------------------------------------------
                                                                   Total annual    Total cost DC
                             Vehicle                                   cost            area            Index
----------------------------------------------------------------------------------------------------------------
1. Honda Civic DX 4 dr sdn 1.5L 4cyl............................          $6,872          $5,306          129.52
2. Ford Taurus GL 4 dr sedan 3.0L 6 cyl.........................           7,861           6,499          120.96
3. Chevy S10 Blazer 4WD 2 dr 4.3L 6 cyl.........................           8,527           6,709          127.10
                                                                 -----------------------------------------------
    Average index...............................................  ..............  ..............          125.86
----------------------------------------------------------------------------------------------------------------

                                                                 Transportation Summary
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income
                           Category                              Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal      Weights     subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
Private transportation.......................................       125.86        94.64       119.12        93.54       117.73        92.47       116.38
Air fare and other transportation expenses...................       151.92         5.36         8.14         6.46         9.81         7.53        11.44
                                                              ------------------------------------------------------------------------------------------
    Total weights............................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
    Total indexes:                                             ...........  ...........  ...........  ...........  ...........  ...........  ...........
      Lower..................................................  ...........  ...........       127.26  ...........  ...........  ...........  ...........
      Middle.................................................  ...........  ...........  ...........  ...........       127.54  ...........  ...........
      Upper..................................................  ...........  ...........  ...........  ...........  ...........  ...........       127.82
--------------------------------------------------------------------------------------------------------------------------------------------------------

[[Page 4126]]

                                             Transportation Analysis
                                   [Location: Juneau, AK, Winter 1995 Survey]
----------------------------------------------------------------------------------------------------------------
                                                                   Total annual    Total cost DC
                             Vehicle                                   cost            area            Index
----------------------------------------------------------------------------------------------------------------
1. Honda Civic DX 4 dr sdn 1.5L 4 cyl...........................          $5,811          $5,306          109.53
2. Ford Taurus GL 4 dr sedan 3.0L 6 cyl.........................           6,926           6,499          106.58
3. Chevy S10 Blazer 4WD 2 dr 4.3L 6 cyl.........................           6,635           6,709           98.89
                                                                 -----------------------------------------------
    Average index...............................................  ..............  ..............          105.00
----------------------------------------------------------------------------------------------------------------

                                                                 Transportation Summary
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income
                           Category                              Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
Private transportation.......................................       105.00        94.64        99.38        93.54        98.22        92.47        97.09
Air fares and other transportation expenses..................       130.43         5.36         6.99         6.46         8.42         7.53         9.82
                                                              ------------------------------------------------------------------------------------------
    Total weights............................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
    Total indexes:
      Lower..................................................  ...........  ...........       106.37  ...........  ...........  ...........  ...........
      Middle.................................................  ...........  ...........  ...........  ...........       106.64  ...........  ...........
      Upper..................................................  ...........  ...........  ...........  ...........  ...........  ...........       106.91
--------------------------------------------------------------------------------------------------------------------------------------------------------

                                             Transportation Analysis
                                    [Location: Nome, AK, Winter 1995 Survey]
----------------------------------------------------------------------------------------------------------------
                                                                   Total annual    Total cost DC
                             Vehicle                                   cost            area            Index
----------------------------------------------------------------------------------------------------------------
1. Honda Civic DX 4 dr sdn 1.5L 4 cyl...........................          $7,850          $5,306          147.94
2. Ford Taurus GL 4 dr sedan 3.0L 6 cyl.........................           8,894           6,499          136.84
3. Chevy S10 Blazer 4WD 2 dr 4.3L 6 cyl.........................           8,618           6,709          128.45
                                                                 -----------------------------------------------
    Average index...............................................  ..............  ..............          137.74
----------------------------------------------------------------------------------------------------------------

                                                                 Transportation Summary
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income
                           Category                              Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
Private transportation.......................................       137.74        94.64       130.36        93.54       128.85        92.47       127.37
Air fares and other transportation expenses..................       220.38         5.36        11.80         6.46        14.23         7.53        16.59
                                                              ------------------------------------------------------------------------------------------
    Total weights............................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
    Total indexes:
      Lower..................................................  ...........  ...........       142.16  ...........  ...........  ...........  ...........
      Middle.................................................  ...........  ...........  ...........  ...........       143.08  ...........  ...........
      Upper..................................................  ...........  ...........  ...........  ...........  ...........  ...........       143.96
--------------------------------------------------------------------------------------------------------------------------------------------------------

                                  Appendix 18.--Miscellaneous Expense Analysis
                                  [Location: Anchorage, AK; Winter 1995 Survey]
----------------------------------------------------------------------------------------------------------------
                                                  Price DC
          Category/item               Price         area         Ratio       Weights      Subtotal      Index
----------------------------------------------------------------------------------------------------------------
                                           Category Index Development

----------------------------------------------------------------------------------------------------------------
Medical Care....................  ............  ............  ...........  ...........  ...........       122.98
Nonprescription pain reliever...        5.00          5.59         0.8942          4.9         4.38  ...........
Tetracycline....................        6.28          5.31         1.1811         12.2        14.44  ...........
Vision Check....................       78.33         52.56         1.4905          5.5         8.14  ...........
Dental Service..................      171.67         89.33         1.9216         16.1        30.92  ...........
Doctor Visit....................       61.67         53.61         1.1503         15.9        18.31  ...........

[[Page 4127]]

Hospital Room...................      699.00        523.45         1.3354          4.1         5.49  ...........
Health Insurance................        1.0000        1.0000       1.0000         41.3        41.30  ...........
----------------------------------------------------------------------------------------------------------------

--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income
                          Categories                             Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                 Total Index Development

--------------------------------------------------------------------------------------------------------------------------------------------------------
1. Medical Care..............................................       122.98        41.50        51.03        31.33        38.53        23.51        28.92
2. Cash Contributions:
    Lower Income.............................................       104.96        15.80        16.58         0.00         0.00         0.00         0.00
    Middle Income............................................       104.71         0.00         0.00        16.85        17.64         0.00         0.00
    Upper Income.............................................       104.45         0.00         0.00         0.00         0.00        17.65        18.44
3. Personal Insurance/Pensions...............................       100.00        42.70        42.70        51.82        51.82        58.83        58.83
                                                              ------------------------------------------------------------------------------------------
    Total Weights............................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
    Total Indexes:
      Lower..................................................  ...........  ...........       110.31  ...........  ...........  ...........  ...........
      Middle.................................................  ...........  ...........  ...........  ...........       107.99  ...........  ...........
      Upper..................................................  ...........  ...........  ...........  ...........  ...........  ...........       106.19
--------------------------------------------------------------------------------------------------------------------------------------------------------

                                          Miscellaneous Expense Account
                                  [Location: Fairbanks, AK; Winter 1995 Survey]
----------------------------------------------------------------------------------------------------------------
                                                 Price DC
         Category/Item               Price         area          Ratio       Weights      Subtotal      Index
----------------------------------------------------------------------------------------------------------------
                                           Category Index Development

----------------------------------------------------------------------------------------------------------------
Medical Care...................                                                                           117.37
Nonprescription pain reliever..        4.49          5.59          8.030           4.9         3.93  ...........
Tetracycline...................        6.14          5.31          1.1560         12.2        14.14  ...........
Vision Check...................       80.33         52.56          1.5285          5.5         8.35  ...........
Dental Service.................      159.67         89.33          1.7873         16.1        28.76  ...........
Doctor Visit...................       57.67         53.61          1.0757         15.9        17.13  ...........
Hospital Room..................      479.00        523.45          0.9151          4.1         3.76  ...........
Health Insurance...............        1.0000        1.0000        1.0000         41.3        41.30  ...........
----------------------------------------------------------------------------------------------------------------

--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income
                          Categories                             Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                 Total Index Development

--------------------------------------------------------------------------------------------------------------------------------------------------------
1. Medical Care..............................................       117.37        41.50        48.71        31.33        36.77        23.51        27.60
2. Cash Contributions:
    Lower Income.............................................       108.39        15.80        17.13         0.00         0.00         0.00         0.00
    Middle Income............................................       108.21         0.00         0.00        16.85        18.23         0.00         0.00
    Upper Income.............................................       108.02         0.00         0.00         0.00         0.00        17.65        19.07
3. Personal Insurance/Pensions...............................       100.00        42.70        42.70        51.82        51.82        58.83        58.83
                                                              ------------------------------------------------------------------------------------------
    Total Weights............................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
    Total Indexes:
      Lower..................................................  ...........  ...........       108.54  ...........  ...........  ...........  ...........
      Middle.................................................  ...........  ...........  ...........  ...........       106.82  ...........  ...........
      Upper..................................................  ...........  ...........  ...........  ...........  ...........  ...........       105.50
--------------------------------------------------------------------------------------------------------------------------------------------------------

[[Page 4128]]

                                         Miscellaneous Expense Analysis
                                   [Location: Juneau, AK; Winter 1995 Survey]
----------------------------------------------------------------------------------------------------------------
                                                 Price DC
         Category/Item               Price         area          Ratio       Weights      Subtotal      Index
----------------------------------------------------------------------------------------------------------------
                                           Category Index Development
----------------------------------------------------------------------------------------------------------------
Medical Care...................  ............  ............  ............  ...........  ...........       132.32
Nonprescription pain reliever..        5.09          5.59          0.9101          4.9         4.46  ...........
Tetracycline...................       10.56          5.31          1.9877         12.2        24.31  ...........
Vision Check...................      105.00         52.56          1.9979          5.5        10.91  ...........
Dental Service.................      180.33         89.33          2.0187         16.1        32.48  ...........
Doctor Visit...................       47.67         53.61          0.8891         15.9        14.15  ...........
Hospital Room..................      600.00        523.45          1.1462          4.1         4.71  ...........
Health Insurance...............        1.0000        1.0000        1.0000         41.3        41.30  ...........
----------------------------------------------------------------------------------------------------------------

--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income
                          Categories                             Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                 Total Index Development
--------------------------------------------------------------------------------------------------------------------------------------------------------
1. Medical Care..............................................       132.32        41.50        54.91        31.33        41.45        23.51        31.11
2. Cash Contributions:
    Lower Income.............................................       110.86        15.80        17.52         0.00         0.00         0.00         0.00
    Middle Income............................................       110.35         0.00         0.00        16.85        18.59         0.00         0.00
    Upper Income.............................................       109.85         0.00         0.00         0.00         0.00        17.65        19.39
3. Personal Insurance/Pensions...............................       100.00        42.70        42.70        51.82        51.82        58.83        58.83
                                                              ------------------------------------------------------------------------------------------
    Total Weights............................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
    Total Indexes:
      Lower..................................................  ...........  ...........       115.13  ...........  ...........  ...........  ...........
      Middle.................................................  ...........  ...........  ...........  ...........       111.86  ...........  ...........
      Upper..................................................  ...........  ...........  ...........  ...........  ...........  ...........       109.33
--------------------------------------------------------------------------------------------------------------------------------------------------------

                                         Miscellaneous Expense Analysis
                                    [Location: Nome, AK; Winter 1995 Survey]
----------------------------------------------------------------------------------------------------------------
                                              Price DC
        Category/Item             Price         area          Ratio         Weights       Subtotal      Index
----------------------------------------------------------------------------------------------------------------
                                           Category Index Development
----------------------------------------------------------------------------------------------------------------
Medical Care................  ............  ............  ............  ..............  ...........       132.56
Nonprescription pain
 reliever...................        7.92          5.59          1.4172             4.9         6.94  ...........
Tetracycline................       14.75          5.31          2.7755            12.2        33.94  ...........
Vision Check................       70.00         52.56          1.3319             5.5         7.27  ...........
Dental Service..............      125.00         89.33          1.3993            16.1        22.51  ...........
Doctor Visit................       50.00         53.61          0.9327            15.9        14.85  ...........
Hospital Room...............      732.00        523.45          1.3984             4.1         5.75  ...........
Health Insurance............        1.0000        1.0000        1.0000            41.3        41.30  ...........
----------------------------------------------------------------------------------------------------------------

--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income
                          Categories                             Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                 Total Index Development
--------------------------------------------------------------------------------------------------------------------------------------------------------
1. Medical Care..............................................       132.56        41.50        55.01        31.33        41.53        23.51        31.17
2. Cash Contributions:
    Lower income.............................................       131.50        15.80        20.78         0.00         0.00         0.00         0.00
    Middle income............................................       130.76         0.00         0.00        16.85        22.03         0.00         0.00
    Upper income.............................................       130.03         0.00         0.00         0.00         0.00        17.65        22.96
3. Personal Insurance/Pensions...............................       100.00        42.70        42.70        51.82        51.82        58.83        58.83
                                                              ------------------------------------------------------------------------------------------
    Total Weights............................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
    Total Indexes:
      Lower..................................................  ...........  ...........       118.49  ...........  ...........  ...........  ...........
      Middle.................................................  ...........  ...........  ...........  ...........       115.38  ...........  ...........
      Upper..................................................  ...........  ...........  ...........  ...........  ...........  ...........       112.96
--------------------------------------------------------------------------------------------------------------------------------------------------------

BILLING CODE 6325-01-M

[[Page 4129]]

APPENDIX 19  [Note: This appendix was recreated in ASCII text format by OPM.]
                                                                
                                                        COMPONENT EXPENDITURE AMOUNTS

                                                 INDEXES                                 AMOUNTS
                      INCOME      CG&S     Own    Rent     Trn     Misc     CG&S    Own    Rent   Trn    Misc

Reference Wts/Amts..   20800      40.10   25.01   25.01   18.93   15.96      8341   5202   5202   3938   3320
                       31500      39.47   23.98   23.98   18.66   17.88     12433   7555   7555   5879   5634
                       48300      38.87   23.01   23.01   18.41   19.71     18775  11114  11114   8892   9520

LOCATION

Anchorage, AK          Lower     104.96  102.56  114.16  119.00  110.31      8755   5335   5939   4686   3662
                       Middle    104.71   95.90  101.71  119.07  107.99     13019   7245   7684   7000   6084
                       Upper     104.45   76.75   98.05  119.13  106.19     19610   8530  10897  10593  10109

Fairbanks, AK          Lower     108.39  101.87  111.52  127.26  108.54      9041   5299   5801   5011   3604
                       Middle    108.21   96.66  109.69  127.54  106.82     13454   7303   8287   7498   6018
                       Upper     108.02   78.53   89.72  127.82  105.50     20281   8728   9971  11366  10044

Juneau, AK             Lower     110.86  118.26  138.62  106.37  115.13      9247   6152   7211   4189   3822
                       Middle    110.35  108.06  130.41  106.64  111.86     13720   8164   9852   6269   6302
                       Upper     109.85   82.17  109.55  106.91  109.33     20624   9132  12175   9506  10408

Nome, AK               Lower     131.50  114.48  145.48  142.16  118.49     10968   5955   7568   5598   3934
                       Middle    130.76  108.11  136.46  143.08  115.38     16257   8168  10310   8412   6501
                       Upper     130.03   84.25  106.83  143.96  112.96     24413   9364  11873  12801  10754



[[Page 4130]]


                                                      TOTAL COMPARATIVE COST INDEXES

                                   INCOME
                       INCOME      WEIGHTS     OWN     RENT      TOTAL     WDC         INDEX

                       Lower        20800     38.41    61.59
                       Middle       31500     47.46    52.54
                       Upper        48300     61.67    38.33

LOCATION                         
                                 
Anchorage, AK          Lower        27.09     22438    23042     22810     20800
                       Middle       33.39     33348    33787     33579     31500
                       Upper        39.52     48842    51209     49749     48300
                                  [100.00]                      [37052]   [35241]      [105.14] 

Fairbanks, AK          Lower        34.98     22955    23457     23264     20800
                       Middle       37.00     34273    35257     34790     31500
                       Upper        28.02     50419    51662     50895     48300
                                  [100.00]                      [35271]   [32465]      [108.64] 
                                 
                               
Juneau, AK             Lower        19.91     23410    24469     24062     20800
                       Middle       32.77     34455    36143     35342     31500
                       Upper        47.32     49670    52713     50836     48300
                                  [100.00]                      [40428]   [37319]      [108.33] 
                                 
Nome, AK               Lower        28.07     26455    28068     27448     20800
                       Middle       46.67     39338    41480     40463     31500
                       Upper        25.26     57332    59841     58294     48300
                                  [100.00]                      [41314]   [32740]      [126.19]



[FR Doc. 96-2080 Filed 2-1-96; 8:45 am]
BILLING CODE 6325-01-C