CODEBOOK FOR 1992 SCF
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------

                      Survey of Consumer Finances
              Board of Governors of the Federal Reserve System
                           Mail Stop 153
                        Washington, DC  20551

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

To:      Users of this tape
From:    Arthur Kennickell, SCF Project Director
Date:    September 20, 1999
Subject: Description of the Final Release of the 1992 SCF

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

This codebook serves as the authoritative guide to the variables
included on the final public version of the 1992 SCF dataset.
However, not every variable included in this codebook is actually in
the public use dataset.  Among other things, the dataset does NOT
include most variables related to the sample design, details of
geography, or the 3-digit industry and occupation codes.  The
authoritative list of the variables included is given at the end of
this documentation.  Please consult that list to determine whether a
given variable is available to you.  For a general overview of the
findings of the 1992 SCF, see Arthur Kennickell and Martha
Starr-McCluer, "Changes in Family Finances from 1989 to 1992: Evidence
from the Survey of Consumer Finances," Federal Reserve Bulletin,
October 1994.

In addition to this file, the full public dataset consists of three
other pieces.  The main dataset, which contains most of the survey
variables, is a 374 megabyte file (stored as a SAS transport file).
A file of of 32 megabytes contains 999 replicate weights and
multiplicity factors intended to be used for variance estimation.
Other documentation is available from
http://www.federalreserve.gov/pubs/oss/oss2/92/scf92home.html.

The main data values are stored using variable names corresponding to
the numbers given in the codebook below prefixed by an "X."  We have
tried, insofar as it was possible, to retain the variable numbering
system used for the 1989 SCF.  Each of these variables in the main
dataset has a "shadow" variable that describes--in almost all
cases--the original state of the variable (i.e.,  whether it was
missing for some reason, a range response was given, etc.).  An
exception is reported values which have been imputed or otherwise
altered to protect the privacy of respondents (see below).  Such
values are not flagged in any systematic way.  Users who so desire may
use the shadow variables to restore the data to something very close
to their original condition.  The shadow variables have the same
numbers as the main variable, but have a prefix of "J."  A list of the
values  taken by the shadow variables follows:

-----------------------------------------------------------------------------
Definitions of the "J" Variables (1992 version)


0  = value reported on original tape (possibly altered during editing,
     but no evidence on problem sheets to this effect -- NOTE: problem
     sheet information is not comprehensive).

1  = question is inapplicable for R (e.g., R has no checking account
     so value of checking account is coded as zero -- NOTE: there are
     no zeros in the dataset other than such values).

2  = data moved from another location (not including re-arranging
     columns in a grid); data moved from another location and added to
     data already at new location (e.g., wage income from spouse
     reported in independent adult part of section Y added to data
     reported for R in Section T).

3  = data provided for a question with a branch structure, but not
     known which branch data should be in (e.g., AGI given, but filing
     status unknown).

4  = evidence that data imputed from marginal notes.

8  = recode of survey variables, no missing values in antecedents.

9  = recode of survey variables, insufficient data collected to
     compute value, not imputed.

10 = part of reported value reported elsewhere and edited out here
     (e.g., wage income of NPEU member also reported at X5701 along
     with income of PEU resulting in J5702=10) or entire reported
     value reported elsewhere  and edited out here (e.g., all of wage
     income of NPEU member  reported at X5701 resulting in X5701=5,
     J5701=10, X5702=0 and J5702=14).

12 = in case of regular installment loans where term is DK, non-missing
     typical payment moved to monthly payment section.
 
13 = coded value overridden after editing completed
14 = value set to inap given hard-code decision (12, 13 or 15)
15 = hard-coded imputation determined during cleaning.
16 = other reassignment resulting from cleaning that overrides
     reported data (e.g., the cleaning of the institutions grid in
     Section A).
17 = value of originally missing data item implied by other variable(s).

24 = Range Card response: A.  $1 to $100
25 = Range Card response: B.  $101 to $500
26 = Range Card response: C.  $501 to $750
27 = Range Card response: D.  $751 to $1,000
28 = Range Card response: E.  $1,001 to $2,500
29 = Range Card response: F.  $2,500 to $5,000
30 = Range Card response: G.  $5,001 to $7,500
31 = Range Card response: H.  $7,501 to $10,000
32 = Range Card response: I.  $10,001 to $25,000
33 = Range Card response: J.  $25,001 to $50,000
34 = Range Card response: K.  $50,001 to $75,001
35 = Range Card response: L.  $75,001 to $100,000
36 = Range Card response: M.  $100,001 to $250,000
37 = Range Card response: N.  $250,001 to $1,000,000
38 = Range Card response: O.  $1,000,001 to $5,000,000
39 = Range Card response: P.  $5,000,001 to $10,000,000
40 = Range Card response: Q.  $10,000,001 to $25,000,000
41 = Range Card response: R.  $25,000,001 to $50,000,000
42 = Range Card response: S.  $50,000,001 to $100,000,000
43 = Range Card response: T.  More than $100,000,000
44 = Range Card response < 0: A.  -$1 to -$100                  
45 = Range Card response < 0: B.  -$101 to -$500                
46 = Range Card response < 0: C.  -$501 to -$750                
47 = Range Card response < 0: D.  -$751 to -$1,000              
48 = Range Card response < 0: E.  -$1,001 to -$2,500            
49 = Range Card response < 0: F.  -$2,500 to -$5,000            
50 = Range Card response < 0: G.  -$5,001 to -$7,500            
51 = Range Card response < 0: H.  -$7,501 to -$10,000           
52 = Range Card response < 0: I.  -$10,001 to -$25,000          
53 = Range Card response < 0: J.  -$25,001 to -$50,000          
54 = Range Card response < 0: K.  -$50,001 to -$75,001          
55 = Range Card response < 0: L.  -$75,001 to -$100,000         
56 = Range Card response < 0: M.  -$100,001 to -$250,000        
57 = Range Card response < 0: N.  -$250,001 to -$1,000,000      
58 = Range Card response < 0: O.  -$1,000,001 to -$5,000,000    
59 = Range Card response < 0: P.  -$5,000,001 to -$10,000,000   
60 = Range Card response < 0: Q.  -$10,000,001 to -$25,000,000  
61 = Range Card response < 0: R.  -$25,000,001 to -$50,000,000  
62 = Range Card response < 0: S.  -$50,000,001 to -$100,000,000 
63 = Range Card response < 0: T.  Less than -$100,000,000      

150 = original response was DK.
151 = original response was NA (includes refusals, interviewer errors,
     and missing data resulting from editing decisions).  Does not
     include data missing as a result of missing higher-order questions.
152 = original response missing as a result of missing information for
     a higher-order question (typically a YES/NO cut question).  In
     this case, the higher-order question has been imputed in such
     a way as to render response appropriate.
153 = refused
154 = some, DK how many (see B6).

160 = unresolved data problem (none should remain in final dataset).

179 = data missing because of questionnaire error, or data not collected
180 = recode variable, missing because data not collected for
     sub-group, data to be imputed.
181 = recode variable, some, but not all components originally missing.
182 = recode variable, all components originally missing.

188 = for property value, only assessed value given.

197 = override of reported information with (at least partially)
      imputed data (e.g., number/type of institution in Section A is
      overridden after imputation of institutions to account for new
      institutions).
198 = override of reported/inap. information (e.g., R says has 1 IRA,
      but 2 institution types reported; institution reference refers to
      Section A column, but column inap) -- value set to missing.

199 = used for absent spouse for J104 or J105 when X104 OR X105 < 0.

General instructions for J variable coding for recoded variables:
  When a recoded variable is taken directly from another single X
    variable, it should have the same J variable code.
  When a recoded variable may come from a single variable in the
    original X variables, or as the result of a calculation based on
    some number of X variables, it is important to distinguish the
    information content in the J variables.  When the value is taken
    directly, the J variable should have exactly the same value as
    that for the X variable's shadow J variable.  When some
    calculation is involved, this should be reflected in the J
    variable -- codes 8, 181, and 182.
  When a recode cannot be computed because some part of the underlying
    information was not collected for some subset of cases, the
    recode's J variable should be coded 9 or 180.


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

The missing data in the survey have been imputed five times by drawing
repeatedly from an estimate of the conditional distribution of the
data.  These imputations are stored in five replicates ("implicates")
of each data record.  Thus, the number of observations in the dataset
(19,530) is five times the actual number of respondents (see below in
the weight section of the codebook for a discussion of the use of
these implicates).  The imputation procedure is described in detail in
"Imputation of the 1989 Survey of Consumer Finances: Multiple
Imputation and Stochastic Relaxation", by Arthur Kennickell.  For a
general discussion of multiple imputation and its uses, see MULTIPLE
IMPUTATION FOR NONRESONSE IN SURVEYS by Donald B. Rubin, John Wiley
and Sons, 1987.  The multiple imputations allow users to estimate the
amount of uncertainty in estimates that is due to imputation.  To do
so, one could make a given estimate separately with each of the five
implicates and compute the standard error of that estimate.  For users
who want to estimate only simple statistics such as means and medians
ignoring imputation error, it will probably be sufficient to divide
the weights by 5.  Users who want to estimate more complex statistics,
particularly regressions, should be cautious in their treatment of the
implicates.  Many regression packages will treat each of the five
implicates as an independent observation and correspondingly inflate
the reported significance of results.  Users who want to calculate
regression estimates, but who have no immediate use for proper
significance tests, could either average the dependent and independent
values across the implicates or multiply their standard errors by the
square root of five.  Users who use the SAS procedure PROC UNIVARIATE
are warned that only the FREQ option will compute a weighted
median--the WEIGHT option will not do so.

Most of the data in the survey are for a subset of the household unit
referred to as the "primary economic unit" (PEU).  In brief, the PEU
consists of an economically dominant single individual or couple
(married or living as partners) in a household and all other
individuals in the household who are financially dependent on that
individual or couple.  For example, in the case of a household
composed of a married couple who own their home, a minor child, a
dependent adult child, and a financially independent parent of one of
the members of the couple, the PEU would be the couple and the two
children.  Summary information is collected at the end of the
interview for all household members who are not included in the PEU.
Throughout the codebook, we refer to the "head" of the household.  The
use of this term is euphemistic and merely reflects the systematic way
in which the dataset is organized.  The head is taken to be the single
core individual in a PEU without a core couple.  In a PEU with a
central couple, the head is taken to be either the male in a mixed-sex
couple or the older individual in the case of a same-sex couple.  No
judgment about the internal organization of the households is implied
by this organization of the data.  When the original respondent was
someone other than the person determined to be the head in this sense,
all data (including response codes) were systematically swapped with
that person's spouse or partner.  The variable X8000 indicates which
cases have been subjected to such rearrangement.

Because the SCF sample is not an equal-probability design, weights
play a critical role in interpreting the survey data.  The main
dataset also contains the final nonresponse-adjusted sampling weights.
These weights are intended to compensate for unequal probabilities of
selection in the original design and for unit nonresponse (failure to
obtain an interview).  The weight (X42001) is a partially design-based
weight constructed at the Federal Reserve using original selection
probabilities and frame information along with aggregate control
totals estimated from the Current Population Survey.  The population
defined by the weights for *each implicate* (see above) is 95.9
million households.  This weight is a relatively minor revision of the
consistent weight series (X42000) maintained for the SCFs beginning
with 1989 (For a detailed discussion of these weights, see "Consistent
Weight Design for the 1989, 1992, and 1995 SCFs and the Distribution of
Wealth," by Arthur B. Kennickell and R. Louise Woodburn, Review of
Income and Wealth, Series 45, Number 2, June 1999, pp. 193-215 or the
longer version given on the SCF web site at
http://www.federalreserve.gov/pubs/oss/oss2/method.html).  The nature
of the revisions to the consistent weights is described in "Revisions
to the SCF Weighting Methodology: Accounting for Race/Ethnicity and
Homeownership," by Arthur Kennickell (see SCF web site).  A version of
the revised weight has been computed for all the surveys beginning
with 1989, and this variable has been added to the public versions of
the SCF datasets.  A file of associated replicate weights has also
been added.  Users should be aware that the sum of each of the weights
over all sample cases and imputation replicates is equal to five times
the number of households in the sample universe.

The original weight first released with the 1992 data (X41000) follows
the design of the consistent weights exactly.  However, because
there have been some minor changes in the data since the original
release of the final data, the weights changed slightly when the
consistent weights were reestimated as a group.  The original weights
are retained in the dataset for historical reasons.

Although the weights should produce reliable results at the level of
broad aggregates (e.g., net worth and income), it is important to
remember that many of the variables collected in the SCF are highly
skewed in their distribution and that many such variables will apply
to only a relatively small fraction of the sample.  In the SCF group
at the Federal Reserve, we routinely review our calculations for the
presence of overly-influential outliers, and robust techniques are
applied when appropriate.  We encourage other users to exercise
similar care in analyzing the data.

Because we are unable to give users any sample information about cases
in the dataset, they will be unable on their own to compute
reasonable estimates of the sampling variances of their estimates.  To
facilitate such estimation, we have included a file of replicate
weights and multiplicity factors corresponding to X42001.  Using 
detailed information about the original sample design, we selected 
999 sample replicates from the final set of completed cases in a way 
intended to capture the important dimensions of sample variation 
(See Arthur Kennickell, Douglas McManus and Louise Woodburn, 
"Weighting design for the 1992 Survey of Consumer Finances" for
details).  For each survey case and each replicate, the file
contains a weight and the number of times the case was selected in the
replicate.  We computed weights for each replicate using exactly the
same procedures we used for the main weights.  Replicate weights were
computed only for the first implicate of each case.  For most
purposes, users will probably want to multiply the weight times the
multiplicity: in all cases the sum of the weights times the
multiplicities equals the total number of households.  To estimate the
sampling variance of the mean of family income, for example, a user
would estimate the mean 999 times using the replicate weights and
compute the standard error of that estimate.  An estimate of the
standard error due to these two sources is given by the square root of
the sum of the estimated sampling variance and 6/5 times the
imputation variance.  The replicate weights associated with this
release of the data were recomputed along with the main weight to
ensure consistency with the 1989 and 1995 SCFs.

The ordering of the variables in the codebook often differs from that
in the original questionnaire.  For example, all installment debt
questions are in one place in the codebook, but were asked throughout
the questionnaire.  In some other cases, two sets of questions that
requested the same information of different populations have been
merged (e.g., lines of credit for homeowners and non-homeowners were
originally asked separately, but have been merged in a single set of
variables here).  With the exception of a few variables (e.g., marital
history, where the complex underlying questions have been recoded into
a standard format), the original questions appear in the codebook with
the appropriate variable numbers.  Because question ordering is
important in understanding the effective meaning of many questions,
users of the data are encouraged to consult the copy of the
questionnaire included here for a precise guide to where and how the
underlying questions were asked.

We have not made an effort to include summary variables (e.g., net
worth) in the dataset.  Although it is complicated to construct such
variables, it is our belief that a substantial amount of judgment is
involved in selecting which variables to include, and that analysts
should make their own decisions.  However, at the end of this file, we
have included code to compute net worth according to our routine
definitions.

To protect the privacy of individual respondents, the data in this
release have have been systematically altered by several means to
minimize the possibility of identifying any survey respondent.  For
some discrete variables, small or unusual cells were collapsed as
noted in the variable descriptions below.  Continuous variables were
rounded.  Data were also blurred by other unspecified means.  In
addition, a number of other cases were identified for more extensive
treatment.  Some of these cases were selected on the basis of extreme
or unusual data values.  Other cases were selected at random.  For
each of these cases, a selection of critical variables was set to
missing and statistically imputed subject to constraints designed to
ensure that any distortions induced in key population statistics would
be minimal.  The geographic identifiers included here have been
systematically altered for a subset of respondents by swapping their
locations with those of otherwise similar respondents.

It is important to note that aside from the cell collapsing, there is
no key in this codebook or in the dataset that would allow users to
identify directly either which data items have been smoothed or
otherwise altered, or which cases were selected for imputation of
critical values (that is, the shadow variables in this dataset may not
always reflect the true original status of every variable).  Although
this blurring of the data will have some effect on analysis, that
effect should be negligible in almost every case.  For further details
on the procedures taken to protect the identity of respondents, see
"Disclosure review and its implications for the 1992 Survey of Consumer
Finances", Gerhard Fries Barry Johnson and R. Louise Woodburn.  Users who 
feel that the restrictions imposed on the public dataset are too 
constricting are encouraged to submit written proposals for expanded data
release, and those requests will be given serious consideration in the 
release of data from future surveys.

Under the original numbering system (XX1), the sample design is
apparent from the identification numbers.  Thus, each case included in
the public version of the dataset has been given an identification
number (YY1), which is intended to mask the knowledge of which cases
were drawn from the SCF list sample.  It is not possible to know
with certainty from the information provided in the public version of
this dataset which cases derive from the list sample.  Because we
routinely use the original numbers internally, users who direct
questions to us about specific cases might want to be sure to
emphasize that they are using the external ID number to avoid
confusion.

We have spent many hours searching for errors in the data.  Many
seeming inconsistencies are actually in the raw data and appear to have
no obvious reconciliation (most prominently the fact that X5729--
total income--is not always equal to the sum of the income components).
Other types of inconsistencies may have been induced as a byproduct of
imputation, even though elaborate checks are built into the imputation
routines.  We ask our colleagues who use this dataset to help us find
the remaining resolvable inconsistencies.  Our presumptions is always
that the respondent understood each question and reported accurately,
and that the process of transcription and coding did not distort that
information.  In the relatively small number of cases where other
information led us beyond a reasonable doubt of the validity of the
data, we have changed data, either by altering that value directly
or by setting it to missing and imputing it.

It is likely that some users will have trouble understanding the
organization of the data at first.  If after having framed a focused
question and exhausted all of your local resources your problem
persists, you may call Gerhard Fries  at ((202) 452-2578 or e-mail
m1gxf00@frb.gov) or me ((202)-452-2247 or e-mail
m1abk00@frb.gov)).  We prefer correspondence via e-mail.  While we
would like to be helpful to you, please realize that we have very
limited resources to devote to user services.  We hope that by
persistence, you will almost always be able to figure out what you
need by consulting the questionnaire and the codebook below.


-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
                            LIST OF VARIABLES
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------


IMPORTANT NOTE: not all variables listed below appear in the
public use dataset -- see list of included variables near the
end of this file.

*****************************************************************************

               SAS CODE for rounding of dollar amounts



*                  rounding dollar amounts;

ARRAY AMT   {*} X412-X414 X420 X421 X423 X424 X426 X427 X429 X430
                X505 X510 X513 X518 X521 X526 X602 X604
                X607 X612 X614 X617 X619 X623 X627 X631 X635 X703
                X708 X716 X717 X721 X804 X805 X808 X812 X813 X904
                X905 X908 X912 X913 X1004 X1005 X1008 X1012 X1013
                X1035 X1039 X1040 X1044 X1104 X1108 X1109 X1115
                X1119 X1120 X1126 X1130 X1131 X1136 X1202 X1206
                X1210 X1211 X1215 X1219 X1220 X1224 X1405
                X1408-X1410 X1415 X1417 X1505 X1508-X1510 X1515
                X1517 X1605 X1608-X1610 X1615 X1617 X1619 X1621
                X1706 X1709 X1714 X1715 X1718 X1722 X1723 X1730
                X1806 X1809 X1814 X1815 X1818 X1822 X1823 X1830
                X1906 X1909 X1914 X1915 X1918 X1922 X1923 X1930
                X2002 X2003 X2006 X2007 X2010 X2012 X2013 X2016
                X2017 X2020 X2105 X2112 X2117 X2209 X2213 X2214
                X2218 X2309 X2313 X2314 X2318 X2409 X2413 X2414
                X2418 X2422 X2424 X2425 X2506 X2510 X2514 X2515
                X2519 X2606 X2610 X2614 X2615 X2619 X2623 X2625
                X2626 X2714 X2718 X2719 X2723 X2731 X2735 X2736
                X2740 X2814 X2818 X2819 X2823 X2831 X2835 X2836 
                X2840 X2914 X2918 X2919 X2923 X2931 X2935 X2936
                X2940 X3121 X3124 X3126 X3129-X3132 X3221 X3224
                X3226 X3229-X3232 X3321 X3324 X3326 X3329-X3332
                X3335-X3337 X3408-X3410 X3412-X3414 X3416-X3418
                X3420-X3422 X3424-X3426 X3428-X3430 X3506 X3510
                X3514 X3518 X3522 X3526 X3529 X3610 X3620 X3630
                X3706 X3711 X3716 X3718 X3721 X3804 X3807 X3810
                X3813 X3816 X3818 X3822 X3824 X3826 X3828 X3830
                X3833 X3835 X3902 X3906 X3908 X3910 X3915
                X3918 X3920 X3922 X3930 X3932 X3939 X3942 X4003
                X4005 X4006 X4010 X4011 X4014 X4018 X4022 X4026
                X4030 X4032 X4112 X4131 X4204 X4207 X4210 X4214
                X4220 X4224 X4226 X4229 X4304 X4307 X4310 X4314
                X4320 X4324 X4326 X4329 X4404 X4407 X4410 X4414
                X4420 X4424 X4426 X4429 X4436 X4509 X4520 X4532
                X4540 X4605 X4613 X5306 X5311 X5318 X5326 X5334
                X5418 X5426 X5434 X5504 X5507 X5510 X5513 X5516
                X5604 X5608 X5612 X5616 X5620 X5624 X5628 X5632
                X5636 X5640 X5644 X5648 X5702 X5704 X5706 X5708
                X5710 X5712 X5714 X5716 X5718 X5720 X5722 X5724
                X5726 X5729 X5732 X5734 X5751 X5804 X5809 X5814
                X5818 X5821 X5823 X5926 X5928 X6403 X6415 X6418
                X6421 X6432 X6436 X6437 X6439 X4712 X4731 X4804
                X4807 X4810 X4814 X4820 X4824 X4826 X4829 X4904
                X4907 X4910 X4914 X4920 X4924 X4926 X4929 X5004
                X5007 X5010 X5014 X5020 X5024 X5026 X5029 X5036
                X5109 X5120 X5132 X5140 X5205 X5213 X8163 X8164
                X8166 X8167 X8168


                X7575
                X7805 X7828 X7851 X7815 X7838 X7861 X7817 X7840
                X7863 X7824 X7847 X7870 X7905 X7928 X7951 X7915
                X7938 X7961 X7917 X7940 X7963 X7924 X7947 X7970
                X7633-X7639 X7641 
                X7651 X7652
                X7666 X7697-X7699 X7724-X7726;



DO I = 1 TO DIM(AMT);
 IF (0 < AMT{I} < 5) THEN AMT{I}=1;
 IF (5 <= AMT{I} < 1000) THEN DO;
            AMT{I}=MAX(1,ROUND(AMT{I},10));
    END;
 IF (1000 <= AMT{I} < 10000) THEN DO;
            AMT{I}=ROUND(AMT{I},100);
    END;
 IF (10000 <= AMT{I} < 1000000) THEN DO;
            AMT{I}=ROUND(AMT{I},1000);
    END;
 IF (1000000 <= AMT{I}) THEN DO;
            AMT{I}=ROUND(AMT{I},10000);
    END;

 IF (-1000 <= AMT{I} < - 5) THEN DO;
            AMT{I}=ROUND(AMT{I},10);
    END;
 IF (-10000 <= AMT{I} < -1000) THEN DO;
            AMT{I}=ROUND(AMT{I},100);
    END;
 IF (-1000000 < AMT{I} < -10000) THEN DO;
            AMT{I}=ROUND(AMT{I},1000);
    END;
 IF .Z < AMT{I} <= -1000000 THEN
            AMT{I}=-1000000;
END;


An important exception to this rounding rule is amounts that were
reported in an hourly frequency (e.g., X4112).  If the hourly amount
is greater than $25, then the above rounding rule applies.  Otherwise,
the amount is rounded to the nearest $.10.

*****************************************************************************

!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

-----------------------------------------------------------------------------
MISC. CONTROL FILE DATA AND WEIGHTS
-----------------------------------------------------------------------------

YY1        Case ID for external users
Y1         Equivalent for X1 for external users


XX1        Internal case ID (4-digit) -- identical for
           all imputation replicates


X1         Internal replicate ID number -- XX1*10 + imputation replicate
           number (1-5) 


7591       Interviewer ID No. (4-digit) (entered from cover of quex)

           .N  NA


2          Interviewer ID No. from SMS (more reliable than X7591)


30500      External ID number for interviewers created by assigning a
           random number to take the place of the original ID (created
           from X2).
           

30501      Field manager ID number from SMS


30502      External ID number for field managers created by assigning a
           random number to take the place of the original ID (created
           from X30501).


4          Day case logged in.

           1-31


3          Month case logged in.

            1. January (reinterviewed cases)
            6. June
            7. July
            8. August
            9. September
           10. October
           11. November
           12. December (reinterviewed cases)


8095       Year case logged in
           1992.
           1993.


9          List sample indicator.

           1.  List sample case
           0.  Not list sample case


-----------------------------------------------------------------------------
30001      PSU number

           SELF-REPRESENTING PSU
           301  New York, NY
           302  Los Angeles, CA
           303  Chicago, IL
           304  Philadelphia, PA
           305  Detroit, MI
           306  San Francisco, CA
           307  Washington, DC
           308  Dallas-Ft. Worth, TX
           309  Houston, TX
           310  Boston, MA
           311  Nassau-Suffolk, NY
           312  St. Louis, MO
           313  Pittsburgh, PA
           314  Baltimore, MD
           315  Minneapolis, MN
           316  Atlanta, GA
           NONSELF-REPRESENTING PSU, SMSA
           317  Buffalo, NY
           318  Newark, NJ
           319  Albany, NY
           320  Providence, RI
           321  New Haven, CT
           322  Harrisburg, PA
           323  Atlantic City, NJ
           324  Manchester, NH
           325  Cleveland, OH
           326  Milwaukee, WI
           327  Dayton, OH
           328  Kansas City, MO
           329  Des Moines, IA
           330  Columbus, OH
           331  Grand Rapids, MI
           332  Fort Wayne, IN
           333  Steubenville, OH
           334  Saginaw, MI
           335  Madison, WI
           336  Birmingham, AL
           337  Charleston, SC
           338  Jackson, MS
           339  Columbus, GA
           340  Miami, FL
           341  Tampa, FL
           342  Jacksonville, FL
           343  Lakeland, FL
           344  McAllen, TX
           345  Waco, TX
           346  Johnson City, TN
           347  Wheeling, WV
           348  Oklahoma City, OK
           349  Knoxville, TN
           350  Richmond, VA
           351  Charlotte, NC
           352  San Diego, CA
           353  Seattle, WA
           354  Portland, OR
           355  Denver, CO
           356  Anaheim, CA
           357  Riverside, CA
           358  Fresno, CA
           359  Eugene, OR
           360  Phoenix, AZ
           361  Provo, UT
           NONSELF-REPRESENTING PSU, NON-SMSA
           362  Lawrence Co., PA
           363  Schuyler Co., NY
           364  Gardner, MA
           365  Sanilac, MI
           366  Starke, IN
           367  Ramsey, ND
           368  Phillips Co., KS
           369  La Salle, IL
           370  Mower, MN
           371  Cape Girardeau, MO
           372  Crenshaw, AL
           373  Bulloch, GA
           374  Vernon Pr., LA
           375  Citrus Co., FL
           376  Hale Co., TX
           377  Monroe Co., AR
           378  Bedford Co., TN
           379  Nicholas Co., KY
           380  Montgomery Co., VA
           381  Robeson Co., NC
           382  El Dorado, CA
           383  Alamosa, CO
           384  Carbon Co., WY


30002      Number of cases in PSU.

           0. Inap. (not an area-probability sample case)


30003      Number of ineligible cases in PSU.

           0. Inap. (not an area-probability sample case)


30004      Number of completed cases in PSU.

           0. Inap. (not an area-probability sample case)


30005      Design-based nonresponse-adjusted area-probability weight.
           Where "wi" is the inverse of the original probablity of
           selection for case i, this weight is given by
           wi * (X30002-X30003)/X30004.
           Implicit in this calculation is the assumptions that
           nonresponse is uniform at the PSU level.

           0. Inap. (not an area-probability sample case)


30006      Sample disposition code.

           COMPLETED CASES
           61  Completed case (in-person)
           62  Completed case (telephone)
           65  Converted case (in-person)
           66  Converted case (telephone)
           60  Partial complete (partial interview accepted as complete)
               NIRS (non-interview reports)
               LIST SAMPLE ONLY
           80  Refusal - postcard returned
           81  R deceased
           82  Unable to locate
           83  Unavailable during field period
           84  R moved out of range
           85  Refusal by gatekeeper
           86  R institutionalized
           AREA PROBABILITY ONLY
           71  Vacant HU
           72  Not an HU
           73  Seasonal vacant
           74  No contact
           75  Vacant trailer space
           76  Sample incorrect
           77  No eligible respondent
           BOTH LIST AND AP SAMPLES
           90  Language barrier
           91  Refusal/breakoff - no reason
           92  Refusal/breakoff - too long
           93  Refusal/breakoff - too invasive/personal
           94  Refusal/breakoff - gov't involvement
           95  Other


30007      Seqid for the 1990 SOI file.
           ONLY AVAILABLE IN LOCKED LINK FILE
           NOT TO BE INCLUDED ON ANY ROUTINE USE FILE!

           0.  Inap. (not a list sample case)


30008      List sample design weight.

           0.  Inap. (not a list sample case)


30009      List sample wealth-index stratum number.

           0.  Inap. (not a list sample case)


30010      Design-based nonresponse adjustment for list sample
           (SWE(STRATUM)/SWC(STRATUM)).

           0.  Inap. (not a list sample case)


30011      Design-based nonresponse-adjusted list weight
           (X30008 * X30009).

           0.  Inap. (not a list sample case)


30029      List design weights post-stratified to stratum counts and to
           geographic totals computed from the entire SOI file.

           0.  Inap. (not a list sample case)


30016      Number of sample cases in list stratum.

           0.  Inap. (not a list sample case)


30017      Number of ineligible list sample cases in stratum.

           0.  Inap. (not a list sample case)


30018      Number of completed list sample cases in stratum.

           0.  Inap. (not a list sample case)


30019      Weighted (using original unadjusted design weight) number of
           eligible cases in stratum.

           0.  Inap. (not a list sample case)


30020      Weighted (using original unadjusted design weight) number of
           completed cases in stratum.

           0.  Inap. (not a list sample case)


30027      Weighted (using original unadjusted design weight) number of
           inelligible cases in stratum.

           0.  Inap. (not a list sample case)


30023      List sample financial income post-stratum, defined in terms
           of all interest income reported on page 1 of IRS Form 1040.

           0.  Inap. (not a list sample case)


30024      Divorce-adjusted wealth index stratum.  When joint filers
           had divorced since the sample was drawn, the original wealth
           index was divided in half and the stratum number was
           recomputed using the original classes.

           0.  Inap. (not a list sample case)


30012      Number of area-probability sample cases in PSU.

           0. Inap. (not an area-probability sample case)


30013      Number of eligible area-probability sample cases in PSU.

           0. Inap. (not an area-probability sample case)


30014      Number of completed area-probability sample cases in PSU.

           0. Inap. (not an area-probability sample case)


30015      Unadjusted area probability sample design weight

           0. Inap. (not an area-probability sample case)


30021      Area probability segment number

           0. Inap. (not an area-probability sample case)


30025      Paired PSUs (segments for self-representing PSUs) for
           variance estimation.

           1-32: pairs constructed from segements in self-representing PSUs 
           33-100: paired non-self-representing PSUs
           0. Inap. (not an area-probability sample case)


30022      Census region

           1. Northeast
           2. North central
           3. South
           4. West

30074      9-level Census Division Code

           1. Northeast: New England Division (CT, ME, MA, NH, RI, VT)
           2. Northeast: Middle Atlantic Division (NY, NJ, PA)
           3. South: South Atlantic Division: (DE, DC, FL, GA, MD, NC
              SC, VA, WV)
           4. South: East South Central Division: (AL, KY, MS, TN)
           5. South: West South Central Division: (AR, LA, OK TX)
           6. Midwest: East North Central Division (IL, IN, MI OH WI)
           7. Midwest: West North Central Division (IA, KS, MN, MO,
              NE, ND, SD)
           8. West: Mountain Division (AZ, CO, ID, MT, NV, UT, WY, NM)
           9. West: Pacific Division (AK, CA, HI, OR, WA)

30026      Reinterview status for cases with ineligible data.

           1. Successfully reinterviewed
           5. Unsuccessfully reinterviewed, data deleted
           3. Unsuccessfully reinterviewed, data never entered
           0. Inap. (not reinterviewed)


30028      Case critical item check indicator
           3 = critical item check run on both programs and no missing
               critical items found,
           2 = critical item check run and at least 1 critical item in
               Program 1 or Program 2 was missing,
           1 = critical item checks were not run (or rerun) or there
               is some reason why the critical item flag was missing
               (these would include the re-fielded cases and other
               cases which were re-entered after the initial critical
               item check was run).

30030      State where PSU is located
           Standard two-character code

-----------------------------------------------------------------------------
WEIGHTS

XWGT        Post-stratification analysis weight as of 9/30/93 (the
            first public release of the data).  WARNING! Because the
            weight is partially data-based (see Kennickell, McManus
            and Woodburn) and the final imputations here differ from
            the intitial values in the first public release, this
            weight is NOT compatible with the final version of the
            data.  It is included here only for historical purposes.


X41000      Version of X42000 that was included in the first release
            of the final SCF 92 data.  This variable is included only
            for historical reasons.


X42000      Original Kennickell-Woodburn consistent weight.  


X42001      Revised Kennickell-Woodburn consistent weight: accounts for
            systemative deviations from CPS estimates of homeownership
            by racial/ethnic groups.  This weight should be used for all
            estimations using the final 1992 SCF data for which weights
            are appropriate.


-----------------------------------------------------------------------------
REPLICATE WEIGHTS AND MULTIPLICITY FACTORS
-----------------------------------------------------------------------------

As noted in the introduction, there is one additional data file
which contains replicate weights and multiplicity factors to be used in
estimating sampling variances.  The file corresponds to the main
weight X42001.

The replicate weights are of the form WT1Bi, where i=1,...999
The multiplicity factors are of the form MMi, where i=1,...999

Replicate weights with a given index correspond to multiplicity
factors with the same index.


-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
HOUSEHOLD LISTING
-----------------------------------------------------------------------------

8000       Respondent and spouse/partner variables reversed to
           male/oldermale/older female and spouse/partner in all
           subsequent occurences in dataset (data rearranged except
           when male not living at sampled address).  Also, all
           response categories altered to reflect this change.

           1. Reversed
           5. Not reversed


13         Respondent:  Age computed from date of birth
18         Spouse:  Age computed from date of birth
                                                
                   Code age
                           
                   .N   NA
                                                

14         Respondent:  "Imputed age"
19         Spouse:  "Imputed age"
           (IF HHL AGE=COMPUTED AGE, THE IMPUTED AGE=SAME.
           IF HHL AGE=COMPUTED AGE +/- 2 YEARS, THEN IMPUTED AGE=
           COMPUTED AGE (I.E., BASED ON DATE OF BIRTH).  IN ALL
           OTHER CASES, COMPUTED AGE DERIVED FROM BEST
           INFORMATION AVAILABLE IN THE IW.)
           (IMPUTED AGE WAS USED IN CONVERSIONS OR CALCULATIONS
           INVOLVING AGE OF R/S.)
                                                
           Code age
           For the public use tape, this age variable is top-coded at 95.



100        Indicator for inclusion of income, debt, assets, etc. of an
           absent spouse in the interview.

           1.  Included in Iw
           5.  Not included in Iw
           0.  Inap. (No absent spouse)


101        Number of people in the household according to the HHL.

           Code total # of persons in HHL


8020(#1)   Before we start the interview, I need to (re-)list the people who  
102(#2)    live here and obtain some basic information about each one.  Let's 
108(#3)    start with you--how old are you?                                   
114(#4)                                                                       
120(#5)     HHL-A. Relationship to Respondent                                 
126(#6)                                                                       
132(#7)                                              If a spouse or partner   
202(#8)             1.   RESPONDENT                  is present in HH, he/    
208(#9)             2.   Spouse of Respondent        she must be coded as
214(#10             3.   "Partner" of Respondent     person #2.
220(#11)            4.   Child (incl. in-laws)
226(#12)           13.   Child of Partner             Child (04) here    
                    5.   Grandchild                   includes step and  
                    6.   Parent (incl. in-laws)       adopted children   
                    7.   Grandparent (incl. in-laws)  and child's spouse.
                    8.   Aunt/uncle                   Code foster child  
                    9.   Cousin                       in 36.             
                   10.   Niece/nephew
                   11.   Sister/brother (incl. in-laws)
                   12.   Great grandchild
                   29.   Other relative
                   31.   Roommate
                   32.   "Friend" (exc.  3)
                   33.   Relative of Partner (except Child, code 13)
                   34.   Boarder or roomer/lodger
                   35.   Paid help (maid, etc.)
                   36.   Foster child
                   39.   Other unrelated person
                   45.   Absent spouse
                    0.   Inap. (No further persons)


8021(#1)    HHL-B. SEX       
103(#2)                                                                       
109(#3)            1.  Male  
115(#4)            2.  Female
121(#5)            0.  Inap. (No further persons)
127(#6)
133(#7)
203(#8)
209(#9)
215(#10)
221(#11)
227(#12)



8022(#1)    HHL-C. AGE                  
104(#2)                                                                       
110(#3)            Code AGE
116(#4)                        
122(#5)           -1.  Less than one year
128(#6)            0.  Inap. (No further persons)
134(#7)            For the public use tape, the first age variable is top-coded at 95.
204(#8)
210(#9)            
216(#10)           
222(#11)           
228(#12)



            HHL1.  (ASK OF ALL PERSONS 18 AND OLDER, EXCEPT SPOUSE)  (Are
                   you/Is [RELATIONSHIP] currently married or living with a
                   partner, separated, divorced, widowed, or (have you/has
                   [he/she]) never been married?  (RECORD IN COL. D. ABOVE.)
8023(#1)    HHL-D. MARITAL STATUS                                             
105(#2)
111(#3)            1.  (M) Married                                          
117(#4)            2.  (P) Living with a partner      If Person is 17 or    
123(#5)            3.  (S) Separated                  less, assume marital  
129(#6)            4.  (D) Divorced                   status=6, do not code 
135(#7)            5.  (W) Widowed                    NA for persons 0-17.  
205(#8)            6.  (NM) Never married                                   
211(#9)            7.  Married but spouse in institution (nursing home/jail)
217(#10)               or outside U.S. (not available to be sampled       
223(#11)               elsewhere) (X8023 only)
229(#12)           8.  Married but spouse not current resident of HU or in
                       institution (eligible for sampling at another
                       residence) (X8023 only)
                  12.  Corresponds to 7 for spouse field (X105 only)
                  13.  Corresponds to 8 for spouse field (X105 only)
                   0.  Inap. (No further persons; person under 18)
                  NOTE: in some cases, interviewers asked this
                  question of people who were aged less than 18.
                  These cases were reviewed, and all responses were
                  set to zero except for a few cases where the person
                  might plausibly be married.  However, it is
                  important to note that because this question was not
                  asked of everyone under 18, this set of married
                  people under 18 is not indicative of the true number
                  of such individuals.
                  For the public use tape, responses of 7, 8, 12, and 13 are
                  set to 1.


            HHL2.  (ASK FOR ALL PERSONS 18 YEARS AND OLDER, EXCEPT RESPONDENT
                   AND SPOUSE)  Does (he/she) usually live here?  (RECORD IN
                   COL. E. ABOVE.)
8024(#1)    HHL-E. USUALLY LIVES HERE?                                        
106(#2) 
112(#3)            1.  YES (incl. R and Spouse/Partner)                   
118(#4)            2.  Child (17 and under) living in HU for part of each 
124(#5)                year                                               
130(#6)            5.  NO    
136(#7)            0.  Inap. (No further persons; person under 18)
206(#8)            NOTE: in some cases, interviewers asked this
212(#9)            question of people who were aged less than 18.
218(#10)           It is important to note that because this question
224(#11)           was not asked of everyone under 18, this
230(#12)           distinction does not necessarily relect the true
                   distribution of the population.



            HHL3.  INTERVIEWER. IS AT LEAST ONE (1) HOUSEHOLD MEMBER
                   18 YEARS OR OLDER -- OTHER THAN R/SPOUSE


            HHL4.  (ASK ABOUT ALL [related] ADULTS 18 YEARS AND OLDER EXCEPT
                   RESPONDENT AND SPOUSE)  Does (RELATIONSHIP) depend on you
                   (and your [husband/wife/partner]) for most of
                   (his/her) support or is (he/she) financially
                   independent for the most part?  
                   (RECORD IN COL. F. ABOVE.)
8098(#1)    HHL-F.
107(#2) 
113(#3)            1.  FINANCIALLY DEPENDENT
119(#4)            5.  FINANCIALLY INDEPENDENT                         
125(#5)           12.  Absent spouse
131(#6)            0.  Inap. (No further persons; person under 18)
137(#7)           NOTE: in some cases, interviewers asked this
207(#8)           question of people who were aged less than 18.
213(#9)           However, it is important to note that because this
219(#10)          question was not asked of everyone under 18, this
225(#11)          distinction does not necessarily reflect the true
231(#12)          distribution of the population.


-----------------------------------------------------------------------------
FINANCIAL INSTITUTIONS
-----------------------------------------------------------------------------

305         A5.    The next few questions are about the financial
                   institutions that you do business with.

                   With how many financial institutions do you (and your family
                   living here) currently have accounts or loans, or regularly
                   do personal financial business? Include banks, savings and
                   loans, credit unions, brokerages, loan companies,
                   and so forth, but not institutions where you have
                   only credit cards or business accounts.

                   (This variable retains the original value reported
                   by the respondent (contrast 8300 below) except when
                   the original value of this variable was missing.)

                   Code NUMBER
                   -1.  NONE
                   .S.  SOME, EXACT NUMBER UNKNOWN


8300        R.      Inferred number of institutions.  When institutions
                   were reported (or in some cases, imputed) after the
                   institution data were collected, except in the case
                   of bank-type credit cards the interviewers
                   were instructed to go back and fill in this
                   information for each new institution.  This
                   procedure worked imperfectly.  This variable
                   takes X305 as its base and adds additional
                   institutions whenever a commercial bank, savings
                   and loan, credit union, or brokerage was reported
                   without a link to the institution data.  Where more
                   there are  than the 6 institutions on which detailed
                   information was collected, the total number of
                   institutions was augmented as appropriate.  In
                   cases where any of the first six institutions have
                   been inferred, the detailed information (location
                   and how R does business) has been imputed.

                   Code NUMBER
                   -1.  NONE


306         A5.10   Do you (or your family living here) have a card
                    that allows you to deposit or withdraw
                    money from (this/these institutions) using a cash
                    machine?

                    1.  YES
                    5.  NO
                    0.  Inap. (No institutions listed, no further
                        institutions)


307         A5.11   # OF INSTITUTIONS (FROM A5)

                   Code NUMBER
                   0.  Inap. (No institutions listed)


308(#1)     A6.    (SHOW CARD 1). (About Institution #[1/2/3/4/5/6]),
312(#2)             what kind of institution is this? (Is it a
316(#3)             commercial bank, a savings and loan or savings
320(#4)             bank, a credit union, a finance or
324(#5)             loan company, a brokerage, or what?)                       
328(#6)
             See FINANCIAL INSTITUTIONS master reference list
                    0.  Inap. (No institutions listed, no further
                        institutions)


               FINANCIAL INSTITUTIONS MASTER REFERENCE LIST

                    1.  Institution #1 from Card A
                    2.  Institution #2 from Card A
                    3.  Institution #3 from Card A
                    4.  Institution #4 from Card A
                    5.  Institution #5 from Card A
                    6.  Institution #6 from Card A
                   11.  Commercial bank; "trust company"
                   12.  Savings & loan association or savings bank
                   13.  Credit union
                   14.  Finance or loan company
                   15.  Store or dealer
                   16.  Brokerage company; "mutual fund"--NFS
                   17.  Insurance company
                   18.  Mortgage company
                   19.  Contractor or developer
                   20.  Prior owner
                   21.  Automobile finance company; GMAC; Ford CDT
                   22.  Doctor or hospital; dentist
                   23.  Lawyer
                   24.  Accountant
                   25.  Employer
                   26.  Friend or relative (not codeable above)
                   27.  Individual lender/advisor (not codeable above)
                   28.  Pension administrator
                   31.  Real estate (investment) company
                   32.  School/college/university
                   33.  Local/county/state government (exc. 42)
                   34.  Special federal government agency: FMHA; SBA; VA;
                        FHA; HUD; NDSL
                   35.  Federal government general or NA agency; IRS
                   37.  Self/spouse (manages own trust)
                   38.  Bank or general purpose credit card company: VISA;
                        Carte Blanche; MasterCard (except American Express, 
                        code 51)
                   39.  Union
                   40.  Church
                   41.  AARP (American Association of Retired Persons)
                   42.  Courts
                   50.  (Sears)/Discover Card (V415-418 only) (Code "Sears"
                        mention in 15)
                   51.  American Express/Optima Card
                   52.  AT&T Card
                   61.  Other membership organization: AAA; NEA; NTA
                        (V415-418 only)
                   62.  Tribal and similar organizations
                   75.  Foreign institution type
                   92.  Money market (mutual) funds, NFS
                   93.  Farm related lenders, not codeable above or NA if
                        membership group or government agency
                   94.  Investment/management companies or consultants--NEC
                   95.  Non-financial institution (exc. 40-42, 61)
                   -1.  Combinations of types of financial institutions
                   -7.  OTHER



309(#1)     A7.    How (do you/does your family) mainly do business with
313(#2)            this institution (--by cash machine, in person, by
317(#3)            mail, by phone,  or some other way)? (NOT ASKED IF
321(#4)            NON-FINANCIAL INST.) 
325(#5)
329(#6)             1.  BY ATM                         
                    2.  IN PERSON--R or R's messenger    If adjacent boxes
                    3.  BY MAIL                          checked, code    
                    4.  BY PHONE                         smallest number. 
                    5.  Payroll deduction; direct deposit
                    6.  DON'T DO REG. BUSINESS
                   -7.  OTHER
                    9.  ELECTRONIC TRANSFER
                   10.  CHECK, NFS
                   11.  R's agent or manager
                    0.  Inap. (No institutions listed, no further
                        institutions)



310(#1)     A8.    Roughly, how many miles is the office or cash machine of
314(#2)            this institution from the home or workplace of the person
318(#3)            who uses it most often? (ACCEPT RANGE.) (IF R ASKS: WE WANT
322(#4)            THE CLOSER OF THE DISTANCE FROM HOME OR WORKPLACE.)        
326(#5)            (NOT ASKED IF NON-FINANCIAL INST.)
330(#6)
                   Code MILES

                   51.  OVER 50 MILES
                  992.  FOREIGN LOCATION
                  993.  LOCATED AT WORK
                   -1.  LESS THAN A MILE
                   -7.  LOCAL PHONE OR POST BOX
                    0.  Inap. (No institutions listed, no further
                        institutions)


311(#1)     A9.     INTERVIEWER: IS THERE ANOTHER FINANCIAL INSTITUTION?
315(#2)
319(#3)             1.  Yes
323(#4)             2.  No
327(#5)             0.  Inap. (No institutions listed, no further
                        institutions)


-----------------------------------------------------------------------------
DEBIT AND CREDIT CARDS
-----------------------------------------------------------------------------

7582        B4.     Do you (or anyone in your family living here) have
                    any debit cards?
                    (A debit card is a card that you can present when
                    you buy things that automatically deducts the amount of
                    the purchase from the money in an account that you have).

                    1.  YES
                    5.  NO
                    0.  Inap. (No institutions listed, no further
                        institutions)


7581        B4.1 .  How many such cards do you (and your family living
                    here) have? 
                    (READ ONCE:  Please do not count duplicate cards for the
                    same account or any business or company accounts.)         
        
                    Code NUMBER
                    0.   Inap.


7580        B4.2    Please look at the Institutions Card.  (Is this/are these)
7579                with any of the institution(s) on the Institutions 
                    Card, or from someplace else? 
                    (CHECK ALL THAT APPLY.)  [IF INSTITUTIONS CARD: Which
                    institution(s)?] [IF "SOMEPLACE ELSE": What type(s) of
                    institution(s)?]                                           

                    See FINANCIAL INSTITUTIONS master reference list
                    0.  Inap. (No institutions listed, no further
                        institutions)

9200        R.      Type of institution.
9201
                   See FINANCIAL INSTITUTIONS master reference list
                    0.  Inap. (No institutions listed, no further
                        institutions)


410         B5.    Now I have some questions about credit cards.  Do you (or
                   anyone in your family living here) have any credit
                   cards or charge cards? (Please do not include debit cards.) 

                    1.  YES
                    5.  NO


                       TYPES OF CARDS: EXAMPLES
                   #1: BANK-TYPE CARDS: Visa, Mastercard, Discover, Optima
                   #2: STORE CARDS: Sears, K-Mart, furniture, clothing and other 
                       stores
                   #3: GASOLINE CARDS: Gasoline Cards such as Shell, Exxon, BP, 
                       Texaco, Amoco
                   #4: GENERAL PURPOSE CARDS: American Express, Diners Club, 
                       Carte Blanche
                   #5: OTHER TYPES OF CARDS: Airline, Car Rental, or other 


411 (#1)    B5.1   How many different (EXAMPLES) cards do you (and your family
419 (#2)           living here) have? 
422 (#3)           (READ ONCE:  Please do not count duplicate cards for the
425 (#4)           same account or any business or company accounts.)         
428 (#5)

                   Code # ACCTS
                   -1.  NONE
                   .S.  SOME, DK HOW MANY
                    0.  Inap. (No credit cards)


412 (#1)    B6-A.  On your last bill, roughly how much were the new
420 (#2)           charges made to (this/all these) account(s)?   
423 (#3)           (ACCEPT RANGE.)
426 (#4)
429 (#5)
                   Code $ amount
                   -1.  NONE
                    0.  Inap. (No credit cards, no TYPE cards)
 


413 (#1)    B8-A.  After the last payment(s) (was/were) made on (this/these)
421 (#2)           account(s), roughly what was the balance still owed on
424 (#3)           (this/all these) account(s)?                   
427 (#4)
430 (#5)
                   Code $ amount
                   -1.  NONE
                    0.  Inap. (No credit cards, no TYPE cards)


414 (#1)    B9.    What is the maximum amount you could borrow on (this/all
                   of these) account(s); that is, what is your
                   total credit limit?                                        

                   Code actual amount
                   -1.  NONE/No limit
                    0.  Inap. (No credit cards, no bank-type cards)

7578        B9.1   When you chose (this/these) card(s), how important
                   was the interest rate that is charged on the
                   balances -- very important, somewhat important, or not
                   important?
                 
                     1.  VERY IMPORTANT
                     2.  SOMEWHAT IMPORTANT
                     3.  NOT IMPORTANT

415 (#1a)   B10.    Please look at the Institutions Card.  (Is this/are
416 (#1b)           these) with any of the institution(s) on the
417 (#1c)           Institutions Card, or from someplace else?  
418 (#1d)           (CHECK ALL THAT APPLY.)  [IF INSTITUTIONS CARD: Which
7500 (#1e)          institution(s)?] [IF "SOMEPLACE ELSE": What type(s) of
                    institution(s)?]                                           

                    Code up to 5 mentions
                    See FINANCIAL INSTITUTIONS master reference list
                     0.  Inap. (No credit cards, no bank-type cards, no
                         additional institutions)


9082(#1a)   R.     Type of institution
9151(#1b)
9152(#1c)          Code type of intsitution
9153(#1d)          See FINANCIAL INSTITUTIONS master reference list
9202(#1e)          0.  Inap. (No credit cards, no bank-type cards, no
                        additional institutions)


431         B11.   INTERVIEWER: SEE B6, COLUMNS A and B. DOES R HAVE
                   ANY CARDS IN COLUMN A OR B?

                   1.  YES
                   5.  NO
                   0.  Inap. (No credit cards)

432         B12.   Thinking only about Visa, Mastercard, Discover,
                   Optima and store cards, do you almost always,
                   sometimes, or hardly ever pay off the total
                   balance owed on the account each month?                    

                   1.  ALMOST ALWAYS
                   3.  SOMETIMES
                   5.  HARDLY EVER
                   0.  Inap. (No credit cards, no bank or store credit
                       cards)


7577        B13.   (Other than store accounts where you have credit
                   cards), do you have any charge accounts at
                   stores where you owed money after your last payment?


                   1.  YES
                   5.  NO
                   0.  Inap. (No credit cards, no bank or store credit
                       cards)

7576        B14.   How many such accounts do you have where you owe
                   money?

                       CODE # ACCOUNTS
                   0.  Inap. (No credit cards at stores where owed money
                       after last payment)
       
7575        B15.   After these last payment(s) (was/were) made on
                   (this/these) accounts, what was the balance still
                   owed on (this/all these) account(s)?
  

                       CODE $ ACCOUNTS
                   0.  Inap. (No credit cards at stores where owed money
                       after last payment)

-----------------------------------------------------------------------------
PRINCIPAL RESIDENCE
-----------------------------------------------------------------------------

501         D1.    INTERVIEWER CHECKPOINT: WHERE DOES R LIVE?

                   1.  R LIVES ON A RANCH OR FARM
                   2.  R LIVES IN A MOBILE HOME
                   3.  ALL OTHERS


R LIVES ON FARM/RANCH


502         D2.    Now I have some questions about this property.  About how
                   many acres is this (farm/ranch)?                           

                   Code ACRES
                   0.  Inap. (Does not live on a farm)


503         D3.    Do you (or anyone in your family living here) operate a
                   farming or ranching business on this property?             
                   (IF R CLAIMS THE FARM ON HIS INCOME TAX, THEN THE
                   FARM IS A BUSINESS FOR OUR PURPOSES.)

                   1.  YES
                   5.  NO
                   0.  Inap. (Does not live on a farm)


504         D3.1   Do you (or anyone in your family living here) rent out any
                   part of this property to others?                           

                  1.  YES
                  5.  NO
                  0.  Inap. (Does not live on a farm, farm business)


505         D3.2   How much rent do you collect each month?--$ AMOUNT         

                   Code actual amount
                   -1.  NONE
                    0.  Inap. (Does not live on a farm, farm business,
                        no rent)


506         D3.2   PER                                                        

                   2.  Week
                   4.  Month
                   5.  Quarter
                   6.  Year
                  -7.  Other
                   0.  Inap. (Does not live on a farm, farm business,
                       no rent)


507         D4.    What part of this property is used for the farming or
                   ranching business?                                         

                   Code PERCENT to 2 decimal places
                   9995.  ALMOST ALL
                     -1.  VERY LITTLE
                      0.  Inap. (Does not live on a farm, no farm business)

7574
        D4.    What part of this property is used for the farming or
                   ranching business?                                         

                   Code # ACRES
                     -1.  VERY LITTLE
                      0.  Inap. (Does not live on a farm, no farm business)



508         D5.    What is the legal ownership status of this (farm/ranch). 
                   Do you (or your family living here) own this (farm/ranch),
                   do you own part of it, do you rent it, is it all owned by
                   a business, or what?                                       

                   1.  OWNS ALL
                   2.  OWNS PART
                   3.  RENTS
                   4.  OWNED BY A BUSINESS
                   5.  SHARECROPPER  
                   6.   Housing is paid for by someone outside
                        PEU (including owned by NPEU); owned by
                        relative outside PEU; R pays only taxes
                  -7.  OTHER
                   0.  Inap. (Does not live on a farm, no farm business)


R OWNS ENTIRE FARM


509         D5.1.  Does the (farming/ranching) business pay any rent for the
                   use of the property?                                       

                   1.  YES
                   5.  NO
                   0.  Inap. (Does not live on a farm, no farm business,
                       does not own entire farm)


510         D5.2.  How much rent do you (or your family living here) collect
                   each month?--$ AMOUNT                                      

                   Code actual amount
                    0.  Inap. (Does not live on a farm, no farm business,
                        does not own entire farm, business does not
                        pay rent)


511         D5.2.  PER                                                        

                   2.  Week
                   4.  Month
                   5.  Quarter
                   6.  Year
                  -7.  Other
                   0.  Inap. (Does not live on a farm, no farm business,
                       does not own entire farm, business does not
                       pay rent)


513         D5.3. Could you tell me the current value of all the land and the
                  buildings -- that is, about what would it
                  bring if it were sold today? Do not include any
                  farm animals, implements or crops.    

                   Code actual amount
                   0.  Inap. (Does not live on a farm, no farm business,
                       does not own entire farm)



FARM/RANCH OWNED BY A BUSINESS


514         D5.4   Do you (or your family living here) pay the business any
                   rent for this house?                                       

                   1.  YES
                   5.  NO
                   0.  Inap. (Does not live on a farm, no farm business,
                       farm not owned by a business)


515         D5.5.  In what month and year did you move into this
                   (farm/ranch)?--MONTH                                       

                   Code MONTH
                   0.  Inap. (Does not live on a farm, no farm business,
                       farm not owned by a business)


516         D5.5.  In what month and year did you move into this
                   (farm/ranch)?--YEAR                                        

                   Code YEAR
                   1901.  1901 or earlier
                      0.  Inap. (Does not live on a farm, no farm business,
                          farm not owned by a business)


R OWNS PART OF FARM/RANCH


517         D6.    Does the (farming/ranching) business pay you (or your
                   family living here) any rent for the use of the property?  

                   1.  YES
                   5.  NO
                   0.  Inap. (Does not live on a farm, no farm business,
                       does not own part of farm)


518         D6.1.  How much rent do you (or your family living here) collect
                   each month? -- AMOUNT

                   Code actual amount
                    0.  Inap. (Does not live on a farm, no farm business,
                        does not own part of farm, farm does not pay rent)


519         D6.1.  PER                                                        

                    2.  Week
                    4.  Month
                    5.  Quarter
                    6.  Year
                   11.  Twice per year; every 6 months
                   -7.  Other
                    0.  Inap. (Does not live on a farm, no farm business,
                        does not own part of farm, farm does not pay rent)


520         D7.    Do you (or anyone in your family living here) pay any rent
                   for this property?                                         

                   1.  YES
                   5.  NO
                   0.  Inap. (Does not live on a farm, no farm business,
                       does not own part of farm)


521         D7.1.  How much rent do you (or your family living here)
                   pay each month? -- AMOUNT                           

                   Code actual amount
                   -1.  NONE
                    0.  Inap. (Does not live on a farm, no farm business,
                        does not own part of farm, does not pay rent)


522         D7.1.  PER                                                        

                   2.  Week
                   4.  Month
                   5.  Quarter
                   6.  Year
                  -7.  Other
                   0.  Inap. (Does not live on a farm, no farm business,
                       does not own part of farm, does not pay rent)


523         D8.    I will ask you more about the business operation later. 
                   Now I'd like to ask about the part of the property that
                   you (and your family living here) personally own.  About
                   what percent of the total property is that?                

                   Code PERCENT to 2 decimal places
                   0.  Inap. (Does not live on a farm, no farm business,
                       does not own part of farm)

7573        D8.    I will ask you more about the business operation later. 
                   Now I'd like to ask about the part of the property that
                   you (and your family living here) personally own.  About
                   what percent of the total property is that?                

                   Code # ACRES
                   0.  Inap. (Does not live on a farm, no farm business,
                       does not own part of farm)


526         D10.   Could you tell me the current value of the entire part of
                   the land and building you own?  I mean, what would
                   it bring if it were sold today? Do not include any
                   farm animals, implements or crops. 

                   Code actual amount
                   0.  Inap. (Does not live on a farm, no farm business,
                       does not own part of farm)


R LIVES IN MOBILE HOME


601         D11.   Now I have some questions about your home.  Do you (or
                   your family living here) own both this mobile home and
                   site or lot, do you own only the mobile home, do you own
                   only the site, do you rent both the home and site, or
                   what?                                                      

                   1.  OWN BOTH HOME AND SITE
                   2.  OWN ONLY SITE
                   3.  OWN ONLY HOME
                   4.  RENT BOTH
                  -7.  NEITHER OWNS NOR RENTS
                   0.  Inap.


R OWNS ONLY SITE


602         D11.1  About how much rent do you pay on this home each month?    

                   Code actual amount
                   -1.  Nothing; zero
                    0.  Inap. (Does not liven in mobile home, other
                        than owns only site of mobile home)


603         D11.1  PER                                                        

                   2.  Week
                   4.  Month
                   5.  Quarter
                   6.  Year
                  -7.  Other
                   0.  Inap. (Does not liven in mobile home, other
                       than owns only site of mobile home)


604         D11.2  Could you tell me the current value of the site?  I mean,
                   about what would it bring if it were sold today?           

                   Code actual amount
                   0.  Inap. (Does not liven in mobile home, other
                       than owns only site of mobile home)


605         D11.3  In what month and year did you purchase this site?--MONTH
                   (INTERVIEWER: IF GIFT/INHERITANCE, ASK WHEN
                   RECEIVED.)
                  

                   Code MONTH
                   0.  Inap. (Does not liven in mobile home, other
                       than owns only site of mobile home)


606         D11.3  In what month and year did you purchase this site?--YEAR

                   Code YEAR
                   0.  Inap. (Does not liven in mobile home, other
                       than owns only site of mobile home)

608         D11.3  INTERVIEWER CHECKPOINT: GIFT/INHERITANCE   

                   1.  Checked
                   5.  Not checked
                   0.  Inap. (Does not liven in mobile home, other
                       than owns only site of mobile home)

607         D11.4  How much did this site cost when you originally
                   acquired it?         
                   (INTERVIEWER: IF GIFT/INHERITANCE, ASK VALUE WHEN
                   RECEIVED.)

                   Code actual amount
                   0.  Inap. (Does not liven in mobile home, other
                       than owns only site of mobile home)



R NEITHER OWNS NOR RENTS MOBILE HOME


609         D11.5  How is that?                                               

                    1.   Housing is part of job compensation; live-in
                         servant; housekeeper; gardener; farm laborer
                    2.   Housing is a gift paid for by someone outside HU;
                         owned by relative outside HU; R pays only taxes
                    3.   Sold home, has not moved yet
                    4.   Living in house which will inherit; estate in
                         process
                    5.   Living in temporary quarters (garage, shed) while
                         home is under construction
                    0.   Inap. (Does not liven in mobile home, owns or
                         rents mobile home)


610         D11.6  In what month and year did you move into this mobile home?
                   --MONTH                                                    

                   Code MONTH
                   0.  Inap. (Does not liven in mobile home, owns or
                       rents mobile home)


611         D11.6 In what month and year did you move into this mobile home?
                   --YEAR                                                     

                   Code YEAR
                   0.  Inap. (Does not liven in mobile home, owns or
                       rents mobile home)


R OWNS ONLY MOBILE HOME


612         D12.   About how much rent do you pay on this site each month?    

                   Code actual amount
                   -1.  Zero; pays no rent
                    0.  Inap. (Does not liven in mobile home, other
                        than owns only mobile home)


613         D12.   PER                                                        

                   2.  Week
                   4.  Month
                   5.  Quarter
                   6.  Year
                  -7.  Other
                   0.  Inap. (Does not liven in mobile home, other
                       than owns only mobile home)


614         D12.1  Could you tell me the current value of this mobile home? 
                   I mean, about what would it bring if it were sold today?   

                   Code actual amount
                   0.  Inap. (Does not liven in mobile home, other
                       than owns only mobile home)


615         D12.2  In what month and year did you purchase this mobile home?
                   --MONTH                                                    

                  (INTERVIEWER: IF GIFT/INHERITANCE, ASK WHEN
                  RECEIVED.)
      
                   Code MONTH
                   0.  Inap. (Does not liven in mobile home, other
                       than owns only mobile home)


616         D12.2  In what month and year did you purchase this mobile home?
                   --YEAR                                                     

                   Code YEAR
                   0.  Inap. (Does not liven in mobile home, other
                       than owns only mobile home)


618         D12.2  INTERVIEWER CHECKPOINT: GIFT/INHERITANCE

                   1.  Checked
                   5.  Not checked
                   0.  Inap. (Does not live in mobile home, other
                       than owns only mobile home)
                   For the public use tape, the response of 1 is
                   set to 5.


617         D12.3  How much did this mobile home cost when you
                   originally acquired it ?  

                  (INTERVIEWER: IF GIFT/INHERITANCE, ASK VALUE WHEN
                  RECEIVED.)
      
                   Code actual amount
                   0.  Inap. (Does not live in mobile home, other
                       than owns only mobile home)




R RENTS MOBILE HOME AND SITE


619         D13.   About how much rent do you pay on this home and site each
                   month?                                                     

                   Code actual amount
                   -1.  NONE
                   -2.  Rental housing fully subsidized
                    0.  Inap. (Does not live in mobile home, does
                        not rent mobile home and site)


620         D13.   PER                                                        

                   2.  Week
                   4.  Month
                   5.  Quarter
                   6.  Year
                  -7.  Other
                   0.  Inap. (Does not live in mobile home, does
                       not rent mobile home and site)


621         D13.1  In what month and year did you move into this mobile home?
                   --MONTH                                                    

                   Code MONTH
                   0.  Inap. (Does not live in mobile home, does
                       not rent mobile home and site)


622         D13.1  In what month and year did you move into this mobile home?
                   --YEAR                                                     

                   Code YEAR
                   0.  Inap. (Does not live in mobile home, does
                       not rent mobile home and site)



R OWNS BOTH MOBILE HOME AND SITE


623         D14.   Could you tell me the current value of this home and site? 
                   I mean, about what would they bring if they were sold
                   today?                                                     

                   Code actual amount
                   0.  Inap. (Does not live in mobile home, does
                        not own mobile home and site)


624         D15.   Were the site and mobile home purchased separately?        

                   1.  YES
                   5.  NO
                   0.  Inap. (Does not liven in mobile home, does
                       not own mobile home and site)


625         D15.1  In what month and year did you purchase this mobile home?
                   --MONTH                                                    

                   Code MONTH
                   0.  Inap. (Does not liven in mobile home, does
                       not own mobile home and site, mobile home and
                       site purchased together)


                  (INTERVIEWER: IF GIFT/INHERITANCE, ASK WHEN
                  RECEIVED.)

628         D15.1  INTERVIEWER CHECKPOINT: GIFT/INHERITANCE  

                   1.  Checked
                   5.  Not checked
                   0.  Inap. (Does not liven in mobile home, does
                       not own mobile home and site, mobile home and
                       site purchased together)


626         D15.1  In what month and year did you purchase this mobile home?
                   --YEAR                                                     

                   Code YEAR
                   0.  Inap. (Does not liven in mobile home, does
                       not own mobile home and site, mobile home and
                       site purchased together)


627         D15.2  How much did the mobile home cost when you
                   originally acquired it?   

                   (INTERVIEWER: IF GIFT/INHERITANCE, ASK VALUE WHEN
                   RECEIVED.)

                   Code actual amount
                   0.  Inap. (Does not liven in mobile home, does
                       not own mobile home and site, mobile home and
                       site purchased together)


629         D15.3  In what month and year did you purchase this
                   site?--MONTH 

                  (INTERVIEWER: IF GIFT/INHERITANCE, ASK WHEN
                  RECEIVED.)

                   Code MONTH
                   0.  Inap. (Does not liven in mobile home, does
                       not own mobile home and site, mobile home and
                       site purchased together)

632         D15.3  GIFT/INHERITANCE                                           

                   1.  Checked
                   5.  Not checked
                   0.  Inap. (Does not liven in mobile home, does
                       not own mobile home and site, mobile home and
                       site purchased together)

630         D15.3  In what month and year did you purchase this site?--YEAR

                   Code YEAR
                   0.  Inap. (Does not liven in mobile home, does
                       not own mobile home and site, mobile home and
                       site purchased together)


631         D15.4  How much did this site cost when you
                  originally acquired it?         

                  (INTERVIEWER: IF GIFT/INHERITANCE, ASK VALUE WHEN
                  RECEIVED.)

                   Code actual amount
                   0.  Inap. (Does not live in mobile home, does
                       not own mobile home and site, mobile home and
                       site purchased together)


633         D15.5  In what month and year did you purchase this mobile home and
                   site?--MONTH                                          

                   Code MONTH
                   0.  Inap. (Does not liven in mobile home, does
                       not own mobile home and site, mobile home and
                       site purchased separately)

                 (INTERVIEWER: IF GIFT/INHERITANCE, ASK WHEN
                  RECEIVED.)

636         D15.5  GIFT/INHERITANCE                                           

                   1.  Checked
                   5.  Not checked
                   0.  Inap. (Does not liven in mobile home, does
                       not own mobile home and site, mobile home and
                       site purchased separately)
634         D15.5  In what month and year did you purchase this mobile home and
                   site?--YEAR                                           

                   Code YEAR
                   0.  Inap. (Does not liven in mobile home, does
                       not own mobile home and site, mobile home and
                       site purchased separately)


635         D15.6  How much did the mobile home and site cost when 
                   you originally acquired it? 

                 (INTERVIEWER: IF GIFT/INHERITANCE, ASK VALUE WHEN
                  RECEIVED.)

                   Code actual amount
                   0.  Inap. (Does not liven in mobile home, does
                       not own mobile home and site, mobile home and
                       site purchased separately)


701         D16.   Now I have some questions about your home.  Do you (and
                   your family living here) own this (house and
                   lot/apartment/farm/ranch), do you pay rent, do you own it
                   as a part of a condo, co-op, townhouse association, or
                   what?                                                      

                   1.  OWNS OR IS BUYING; LAND CONTRACT
                   2.  PAYS RENT
                   3.  CONDO
                   4.  CO-OP
                   5.  TOWNHOUSE ASSOC.
                   6.  RETIREMENT LIFETIME TENANCY
                  -7.  NEITHER OWNS NOR RENTS
                   0.  Inap. (Lives on farm run as business,
                       lives in mobile home)


7572        D16.1  Are you required to pay regular fees to an
                   association or property management group in
                   order to live here?                       


                   1.  YES
                   5.  NO
                   0.  Inap. (Lives on farm run as business,
                       lives in mobile home, house not condo/co-op/townhouse)


703         D16.2  How much are your fees?

                    Code actual amount
                    -1.  NONE/No regular payment/No typical payment
                     0.  Inap. (Lives on farm run as business,
                         lives in mobile home, house not condo/co-op/townhouse)


704         D16.2  PER                                                        

                   2.  Week
                   4.  Month
                   5.  Quarter
                   6.  Year
                  11.  Twice per year; every 6 months
                  -7.  Other
                   0.  Inap. (Lives on farm run as business,
                       lives in mobile home, house not condo/co-op/townhouse)


            D16.3  INTERVIEWER OBSERVATION: DOES R LIVE IN MULTIPLE HU
                   STRUCTURE? 


R NEITHER OWNS NOR RENTS
    


705         D16.4  How is that?                                               

                    1.   Housing is part of job compensation; live-in
                         servant; housekeeper; gardener; farm laborer
                    2.   Housing is a gift paid for by someone outside
                         PEU (including owned by NPEU); owned by
                         relative outside PEU; R pays only taxes
                    3.   Sold home, has not moved yet
                    4.   Living in house which will inherit; estate in
                         process
                    5.   Living in temporary quarters (garage, shed) while
                         home is under construction
                    0.  Inap. (Lives on farm run as business,
                        lives in mobile home, owns or rents house)
                   -7.  Other
                    For the public use tape, responses of 5, and 6 are set
                    to -7.


706         D16.5  In what month and year did you move into this home?--MONTH

                   Code MONTH
                   0.  Inap. (Lives on farm run as business,
                       lives in mobile home, owns or rents house)


707         D16.5  In what month and year did you move into this home?--YEAR  

                   Code YEAR
                   0.  Inap. (Lives on farm run as business,
                       lives in mobile home, owns or rents house)
                   For the public use tape, the year is bottom-coded 
                   at 1920.



R PAYS RENT


708         D17.   How much rent do you pay a month for this (house/
                   apartment/farm/ranch)?                                     

                   Code actual amount
                   -1.  NONE
                   -2.  Rental housing fully subsidized
                    0.  Inap. (Lives on farm run as business and does
                        not rent farm, lives in mobile home, does not
                        rent house)


709         D17.   PER                                                        

                   2.  Week
                   4.  Month
                   5.  Quarter
                   6.  Year
                  -7.  Other
                   0.  Inap. (Lives on farm run as business and does
                       not rent farm, lives in mobile home, does not
                       rent house)


710        D17.1  Does that include some or all utilities?                   
              
                   1.  YES, ALL
                   3.  YES, SOME
                   5.  NO
                   0.  Inap. (Lives on farm run as business and does
                       not rent farm, lives in mobile home, does not
                       rent house)


711         D17.2  Do you rent it furnished or unfurnished?                   
            

                   1.  FURNISHED
                   3.  PARTIALLY FURNISHED
                   5.  UNFURNISHED
                   0.  Inap. (Lives on farm run as business and does
                       not rent farm, lives in mobile home, does not
                       rent house)


712         D17.3  In what month and year did you move into this (house/
                   apartment/farm/ranch)?--MONTH                              

                   Code MONTH
                   0.  Inap. (Lives on farm run as business and does
                       not rent farm, lives in mobile home, does not
                       rent house)


713         D17.3  In what month and year did you move into this (house/
                   apartment/farm/ranch)?--YEAR                               

                   Code YEAR
                   0.  Inap. (Lives on farm run as business and does
                       not rent farm, lives in mobile home, does not
                       rent house)


R LIVES IN MULTIPLE HU STRUCTURE


702         D16a.  INTERVIEWER CHECKPOINT: OBSERVATION                        

                   1.  R LIVES IN MULTIPLE HU STRUCTURE
                   2.  ALL OTHERS
                   0.  Inap. (Lives on farm run as business,
                       lives in mobile home)


714         D18.   Do you own the entire building or just your unit?          

                   1.  ENTIRE BUILDING
                   2.  JUST R'S UNIT
                   0.  Inap. (Lives on farm run as business, lives
                       in mobile home, does not own house, does not
                       live in a multiple HU structure)


715         D18a.  The next few questions are about the entire property.  How
                   many housing units are in this building?                   
            

                   Code UNITS
                   95.  95 units or more
                   0.  Inap. (Lives on farm run as business, lives
                       in mobile home, does not own house, does not
                       live in a multiple HU structure)


ALL HOMEOWNERS EXCEPT MOBILE HOMES/FARMS OWNED BY A BUSINESS


716         D19.   (The following questions about your home refer to
                   your unit only). What is the current value of this
                   (home and land/apartment/property)?  I mean, about
                   what would it bring if it were sold today? 
                   (IWER:  PROPERTY REFERS TO WHATEVER PART R OWNS OF THEIR
                   HOUSE AND LOT, APARTMENT, BUILDING, FARM, OR RANCH.)

                   Code actual amount
                   0.  Inap. (Lives on farm run as business, lives
                       in mobile home, does not own house)


719         D20.   In what month and year did you first purchase
                   any part of this property?--MONTH            

                   Code MONTH
                   0.  Inap. (Lives on farm owned by a business, rents
                       farm, lives in mobile home, does not own house)


720         D20.   In what month and year did you first purchase
                   any part of this property?--YEAR             

                   Code YEAR
                   0.  Inap. (Lives on farm owned by a business, rents
                       farm, lives in mobile home, does not own house)
                   For the public use tape, the year is bottom-coded 
                   at 1920.

718         D20.   GIFT/INHERITANCE                                           

                   1.  Checked
                   5.  Not checked
                   0.  Inap. (Lives on farm owned by a business, rents
                       farm, lives in mobile home, does not own house)

717         D21.   How much did it cost when you first acquired it?

                   Code actual amount
                   0.  Inap. (Lives on farm owned by a business, rents
                       farm, lives in mobile home, does not own house)



721         D22.   What are the real estate taxes per year on this (home and
                   land/apartment/property)?                                  

                   Code actual amount
                   -1.  NONE/No regular payment/No typical payment
                    0.  Inap. (Lives on farm owned by a business, rents
                        farm, does not own house)


722         D22.   PER                                                        

                    2.  Week
                    4.  Month
                    5.  Quarter
                    6.  Year
                   11.  Twice per year; every 6 months
                   -7.  Other
                    0.  Inap. (Lives on farm owned by a business, rents
                        farm, lives in mobile home, does not own house)


-----------------------------------------------------------------------------
PRINCIPAL RESIDENCE MORTGAGES/LAND CONTRACTS
-----------------------------------------------------------------------------

723(1)      D23.   Is there a mortgage or land contract on this (home and
                   land/apartment/ property)? (DO NOT INCLUDE HOME
                   EQUITY LOANS OR LINES OF CREDIT)                           

                   1.  YES, MORTGAGE
                   2.  YES, LAND CONTRACT
                   5.  NO
                   0.  Inap. (Not homeowner)


830(2)      D40.   Do you have a second mortgage or a land contract on this
                   property?  (Please do not include any home equity lines of
                   credit.) [INTERVIEWER: A HOME EQUITY LINE OF CREDIT
                   IS AN AGREEMENT WHERE THE R CAN BORROW AT ANY TIME
                   USING THE HOUSE AS COLLATERAL, UP TO SOME LIMIT.
                   A HOME EQUITY LOAN IS A FIXED LENGTH, FIXED MONTHLY
                   PAYMENT LOAN.] 

                   1.  YES, 2ND MORTGAGE
                   2.  YES, LAND CONTRACT
                   5.  NO
                   0.  Inap. (Not homeowner, no first loan)


931(3)      D40.1  Do you have any other loans that use this property as
                   collateral?  (Please do not include any home equity lines
                   of credit.)                                                

                   1.  YES
                   5.  NO
                   0.  Inap. (Not homeowner, no second loan)


724         D24.   Is the first or main mortgage a federally guaranteed
                   mortgage, such as FHA or VA?                               

                   1.  YES
                   5.  NO
                   0.  Inap. (Not homeowner, no loan, 1st loan is
                       land contract)


725         D24.1  Does this mortgage carry any type of private mortgage
                   insurance or PMI against default?  (IF R ASKS: DO NOT
                   INCLUDE MORTGAGE LIFE INSURANCE.)                          

                   1.  YES
                   5.  NO
                   0.  Inap. (Not homeowner, no loan, 1st loan is
                       land contract, FHA/VA loan)


726         D25.   Is it an FHA mortgage, a VA mortgage, or is it from some
                   other program?                                             

                   1.  FHA (Federal Housing Admin.)
                   2.  VA
                   3.  Federal Land Bank
                   4.  "Fannie Mae" (Federal National Mortgage Assn)
                   5.  "Freddie Mac" (Federal Home Loan Mortgage Corp)
                   6.  Other governmental guarantor
                   7.  Other non-governmental guarantor
                  -7.  OTHER
                   0.  Inap. (Not homeowner, no loan 1st loan is
                       land contract, not FHA/VA loan)


727         D26.   Why did you choose this type of loan?                      

                   CREDIT TERMS/COST OF LOAN

                    1.   Interest rate--low(er)/reasonable/best available
                         rates
                    4.   Finance charges low(er) or none (other than interest
                         or NA if includes interest)
                    5.   Amount of the down payment
                    6.   Size of (monthly) payments; payment amount; longer
                         contracts--more time to pay off loan
                    9.   Easier to get credit--require less information/
                         collateral; less stringent rules for giving credit;
                         get credit approval faster; no red tape
                   25.   Credit terms/arrangements--NA what; "affordable
                         terms"
                   26.   Give the best (a better) deal--NA how
                   29.   Other credit terms or cost of loan
                   CHARACTERISTICS OF CREDIT INSTITUTION
                   31.   Good reputation--reputable, well known; honest;
                         stable; reliable; experienced; professional
                   41.   Availability of credit: "they would lend me the
                         money"; "I could qualify for a loan"; "only place I
                         could get a loan"; was eligible; qualified; a
                         veteran (VA loan)
                   49.   Other characteristics of credit institution
                   MISCELLANEOUS
                   80.   No choice; only source/lender/institution (not 41);
                         "only place in town"
                   81.   Familiarity; R has previous/good experience dealing
                         with institution; has (other) accounts there, been
                         treated well/fairly in past; am a credit union
                         member
                   83.   Recommended or arranged by dealer/store/contractor/
                         realtor
                   84.   Recommended by others
                   88.   Convenient/Easy--n.e.c.
                   90.   Reason for lender choice related to item
                         purchased-- "assumed mortgage" (i.e., lender choice
                         already made when R chose this house) (low priority)
                   91.   Like/Trust them--NA why
                    0.   Inap. (Not homeowner, no loan, 1st loan is
                         land contract, not FHA/VA loan)




801(1)      D27.   About the (mortgage/land contract/second mortage/other
901(2)             loan), in what month and year did you obtain or last
1001(3)            refinance it?--MONTH                                         

                   Code MONTH
                   0.  Inap. (Not homeowner, no loan, no further loans)


802(1)      D27.   About the (mortgage/land contract/second mortage/other
902(2)             loan), in what month and year did you obtain or last
1002(3)            refinance it?--YEAR                                          

                   Code YEAR
                   0.  Inap. (Not homeowner, no loan, no further loans)


803(1)      D27.1   Was this (mortgage/land contract) assumed from the
903(2)              previous owner?                                            

                   1.  YES
                   5.  NO
                   0.  Inap. (Not homeowner, no loan, no further loans)


804(1)      D28.   How much did you borrow or refinance?                       
904(2)
1004(3)

                   Code actual amount
                   0.  Inap. (Not homeowner, no loan, no further loans)


805(1)      D29.   How much is still owed on this loan?                       
905(2)
1005(3)

                   Code actual amount
                   0.  Inap. (Not homeowner, no loan, no further loans)


806(1)      D30.   How many years or payments did you agree upon when the loan
906(2)             was taken out or refinanced?--# YEARS                      
1006(3)

                   Code # YEARS
                   -1.  NO SET #
                    0.  Inap. (Not homeowner, no loan, no further loans)


807(1)      D30.   How many years or payments did you agree upon when the loan
907(2)             was taken out or refinanced?--# PAYMENTS                   
1007(3)

                   Code # PAYMENTS
                   -7.  Number of years reported and no regular
                        payments on loan.  Number of payments cannot
                        be computed.
                   -1.  NO SET #
                    0.  Inap. (Not homeowner, no loan, no further loans)


9154(1)     R.     Term of loan in months
9155(2)
9156(3)            Code # MONTHS
                   0.  Inap. (Not homeowner, no loan, no further loans)


808(1)      D31.   How much are the payments and how often are they due?      
908(2)
1008(3)

                   Code actual amount
                   -1.  NO REG. PAYMENTS; NONE
                    0.  Inap. (Not homeowner, no loan, no further loans,
                        no set # payments)


809(1)      D31.   PER                                                        
909(2)
1009(3)
                   2.  Week
                   3.  Biweekly
                   4.  Month
                   5.  Quarter
                   6.  Year
                  11.  Twice per year; every 6 months
                  12.  Bimonthly
                  -7.  Other
                   0.  Inap. (Not homeowner, no loan, no further loans,
                       no set # payments)


810(1)      D32.   Do the payments include property taxes or home
                   owners insurance? (Which?)

                   1.  TAXES ONLY
                   2.  INSURANCE ONLY
                   3.  BOTH
                   4.  NEITHER
                   0.  Inap. (Not homeowner, no loan, no further loans,
                       no set # payments, no regular payments)



811(1)      D33.   Will the regular payments repay the loan completely, or
911(2)             will there be a balance payable, or "balloon" payment,
1011(3)            when the loan is due?                                      

                   1.  REPAY COMPLETELY
                   2.  BALLOON
                   0.  Inap. (Not homeowner, no loan, no further loans,
                       no set # payments, no regular payments)


812(1)      D33.1  What will the balance due or balloon payment be?           
912(2)
1012(3)

                   Code actual amount
                   0.  Inap. (Not homeowner, no loan, no further loans,
                       no set # payments, no regular payments, no balloon)


813(1)      D34.   What is the typical payment and how often is it made?      
913(2)
1013(3)

                   Code actual amount

                   -1.  NO TYPICAL PAYMENTS: NONE
                    0.  Inap. (Not homeowner; no loan; no further loans;
                        set number of payments and regular payments)


814(1)      D34.   PER                                                        
914(2)
1014(3)

                   2.  Week
                   3.  Biweekly
                   4.  Month
                   5.  Quarter
                   6.  Year
                  -7.  Other
                   0.  Inap. (Not homeowner; no loan; no further loans;
                       set number of payments and regular payments)


815(1)      D34.1  When do you expect this loan to be repaid?                 
915(2)
1015(3)
                   Code YEAR
                    0.  Inap. (Not homeowner; no loan; no further loans;
                        set number of payments and regular payments)


7571(1)     D34.2   Are you paying off this loan ahead of schedule,
7570(2)             behind schedule, or are the payments about on
7569(3)             schedule?

                    1.  On schedule
                    2.  Ahead of schedule
                    3.  Behind schedule


816(1)      D35.   What is the current annual rate of interest being charged
916(2)             on the loan?                                               
1016(3)

                   Code % to 2 decimal places 
                   (ex. 10 3/4 = 1075)
                    -1.  Zero; no interest
                     0.  Inap. (Not homeowner, no loan, no further loans)


817(1)      D36.    Please look at the Institutions Card. Is the loan
917(2)              with any of the institutions on the Institutions Card, or
1017(3)             from someplace else? (IF CARD A: Which institution?)
                    (IF SOMEPLACE ELSE:  What type of institution is
                    that?) (INTERVIEWER: CHECK INSTITUTION CARD AND
                    UPDATE IF A NEW INSTITUTION IS MENTIONED AT THIS
                    POINT.)  

                   See FINANCIAL INSTITUTIONS master reference list
                    0.   Inap. (Not homeowner, no loan, no further loans)


9083(1)     R.     Type of institution in X817
9084(2)
9085(3)            See FINANCIAL INSTITUTIONS master reference list
                    0.   Inap. (Not homeowner, no loan, no further loans)

          
7568(1)     D36.1   Is this the same institution as the one from which
                    you originally took out this loan?
 
                    1.  YES 
                    5.  NO
                    0.  Inap. (Not homeowner, no loan, no further loans)


918(2)      D37.   Was the money from this loan used for the purchase of this
1018(3)            home or for some other purpose? (What other purpose?)      
         
                   Use LOAN PURPOSE Master Code, except:
                    0.  Inap. (Not homeowner, no loan, no further loans)



819(1)      D38.   (SHOW CARD 3) What is the most important reason you chose
                   this lender?  (Was it because they were recommended to
                   you, because they had low interest rates, because
                   of the location of their offices, because you had
                   done other business with them, because it was
                   easier to qualify for the loan, or for some other reason?)

                    1.   RECOMMENDED
                    2.   LOW INTEREST
                    3.   LOCATION
                    4.   OTHER BUSINESS
                    5.   EASY TO QUALIFY; only place that would give us a
                         loan
                    6.   MANY/SPECIAL SERVICES IN ONE PLACE
                   10.   Low fees/service charges
                   11.   Personal relationship; they know me;
                         know/like them; freindly;
                         R/Spouse works there
                   21.   No choice--assumed existing debt and lender from
                         previous owner
                   22.   No choice--financed through contractor/developer/
                         prev. owner/builder and this was their financial
                         institution
                   23.   Advertisement
                   24.   Convenient hours
                   25.   No particular reason
                   26.   No other institutions
                   -7.   OTHER including combinations
                    0.   Inap. (Not homeowner, no loan)


820(1)      D39.   Is this an adjustable rate (mortage/loan);
920(2)             that is, does it have an interest rate
1020(3)            that can rise or fall from time to time?

                   1.  YES
                   5.  NO
                   0.  Inap. (Not homeowner, no loan)



821(1)      D39.1  Does the change in your interest rate depend on some other
                   interest rate?                                             

                   1.  YES
                   5.  NO
                   0.  Inap. (Not homeowner, no loan, not adjustable rate)



822(1)      D39.2  On what other rate does it depend?                         

                    1.   Consumer Price Index; "CPI"; "cost of living"
                    2.   GNP (Gross National Produce) Deflater
                    3.   Prime (interest) Rate; LIBOR
                    4.   Treasury Bill Rate; "T-Bill rate"
                    5.   "Current rate" or "going rate"--NFS
                    6.   District/regional rate
                   11.   FHLBB (Fed. Home Loan Bank Board)
                   12.   FSLIC (Fed. Savings and Loan Ins. Corp.)
                   13.   Fannie Mae
                   14.   Bank CD rate
                   15.   Federal Funds Rate
                   16.   Misc. bond indices
                   -7.   Other
                    0.   Inap. (Not homeowner, no loan, not adjustable rate,
                         rate doe not depend on another rate)


823(1)      D39.3  How often can your interest rate change in a given
                   year?                   
            

                   Code number of times
                   -1.  Continuously floating
                    0.  Inap. (Not homeowner, no loan, not adjustable rate)


824(1)      D39.3  PER                                                        

                   4.  Month
                   5.  Quarter
                   6.  Year
                   8.  Lump sum/one payment only/in total
                  11.  6 months
                  12.  Bimonthly
                  13.  Every 3 years 
                  14.  At 7 years
                  15.  Continuously floating rate; whenever rate changes
                  -7.  Other
                   0.  Inap. (Not homeowner, no loan, not adjustable rate)



825(1)      D39.4  When the interest rate on your mortgage changes,
                   does the size of your monthly payments also change?          
                   1.  YES
                   5.  NO
                   0.  Inap. (Not homeowner, no loan, not adjustable rate)


826(1)      D39.5   What is the most the rate can rise at any one time?
                    (POINTS = PERCENTAGE POINTS)                               

                   Code % to 2 decimal places 
                   (ex. 10 3/4 = 1075)
                   -2.  NO LIMIT
                    0.  Inap. (Not homeowner, no loan, not adjustable rate)



828(1)      D39.6  What was the interest rate on this mortgage when you first
                   got it?                                                    

                   Code % to 2 decimal places 
                   -2.  NO LIMIT
                    0.  Inap. (Not homeowner, no loan, not adjustable rate)



827(1)      D39.7  What is the highest the rate can go over the life of the
                   loan?                                                      

                   Code % to 2 decimal places 
                   -2.  NO LIMIT
                    0.  Inap. (Not homeowner, no loan, not adjustable rate)




829(1)      D39.8   Is this a convertible mortgage; that is do you have an
                   option to convert it to a mortgage with a fixed interest
                   rate?                                                      

                   1.  YES
                   5.  NO
                   0.  Inap. (Not homeowner, no loan, not adjustable rate)


FOR OTHER LOANS ASSOCIATED WITH HOME PURCHASE, SEE "CONSUMER LOANS"

-----------------------------------------------------------------------------
LINES OF CREDIT
-----------------------------------------------------------------------------

1101        D52.   Do you (or anyone in your family living here) have a home
                   equity line of credit, or any other lines of credit, not
                   counting credit cards or business lines of credit?  Please
                   include such lines of credit even if you are not currently
                   drawing against them.
                   (IF R ASKS: A LINE OF CREDIT IS A FORMAL AGREEMENT WITH A
                   LENDER THAT ALLOWS R TO BORROW UP TO AN AGREED UPON LIMIT
                   AND PAY IT OFF AS R DESIRES.  A HOME EQUITY LINE OF CREDIT
                   IS A LINE OF CREDIT SECURED BY THE EQUITY IN R'S HOME.)    
                   (ASKED OF HOMEOWNERS)
            D68.   Do you (or anyone in your family living here) have any
                   lines of credit, not counting credit cards or business
                   lines of credit?   Please include such lines of credit
                   even if you are not currently drawing against them.
                   (IF R ASKS:  A LINE OF CREDIT IS A FORMAL AGREEMENT WITH A
                   LENDER THAT ALLOWS R TO BORROW UP TO A SPECIFIED LIMIT AND
                   PAY IT OFF AS R DESIRES.) (ASKED OF NON-HOMEOWNERS)

                   1.  YES
                   5.  NO


1102        D53.   How many lines of credit do you (and your family living
                   here) have? (ASKED OF HOMEOWNERS)

                   Code # LINES OF CREDIT
                   0.  Inap. (No lines of credit)


7563        D68.1  How many lines of credit do you (and your family living
                   here) have? (ASKED OF NON-HOMEOWNERS)

                   Code # LINES OF CREDIT
                   0.  Inap. (No lines of credit)

7562        D69    # OF LINES OF CREDIT


1103 (#1)   D53.1  Is (this/the largest/next) line of credit secured by the 
1114 (#2)          equity in your home?                                       
1125 (#3)

                   1.  YES
                   5.  NO
                   0.  Inap. (No lines of credit, no further lines of credit)


1104        D53.2  What is the maximum amount you could borrow on this line 
1115               of credit?                                                 
1126

                   Code actual amount
                   0.  Inap. (No lines of credit, no further lines of credit)

7561 (#1)   D69.1  What is the maximum amount you could borrow on
7560 (#2)          (this/the largest/the next largest) line of credit?
7559 (#3)          (ASKED FOR NON-HOMEOWNERS)

                   Code actual amount
                   0.  Inap. (No lines of credit)


1105        D53.3  Are you currently borrowing any money against this line of
1116               credit? (ASKED FOR HOMEOWNERS)
1127
                   1.  YES
                   5.  NO
                   0.  Inap. (No lines of credit, no further lines of credit)

7558 (#1)   D69.2  Are you currently borrowing any money against this line
7557 (#2)          of credit? (ASKED OF NON-HOMEOWNERS)
7556 (#3)
                   1.  YES
                   5.  NO
                   0.  Inap. (No lines of credit)



1106 (#1a)  D53.4  What was the money used for?  (What was its major use?)
1107 (#1b)         (ASKED FOR HOMEOWNERS)
1117 (#2a)  D69.3  What was the money used for?  (What was its major use?)
1118 (#2b)         (ASKED FOR NON-HOMEOWNERS)
1128 (#3a)
1129 (#3b)

                   Use LOAN PURPOSE Master Code, except:
                   0.  Inap. (No lines of credit, not borrowing, no
                       further lines of credit)


1108        D53.5/  How much is currently owed?
1119        D69.4
1130                Code actual amount
                    0.  Inap. (No lines of credit, not borrowing, no
                       further lines of credit)


1109        D53.6/  What is the typical payment and how often is it made?
1120        D69.5
1131                Code actual amount      
                   -1.  NO TYPICAL PAYMENTS; NONE
                    0.  Inap. (No lines of credit, not borrowing, no
                        further lines of credit)
    


1110        D53.6/    PER
1121        D69.5
1132                   2.  Week        
                       3.  Biweekly
                       4.  Month       
                       5.  Quarter     
                       6.  Year        
                       8.  Lump sum;one payment only
                      -7.  Other       
                       0.  Inap. (No lines of credit, not borrowing, no
                           further lines of credit)


1111        D53.7/  What is the current annual rate of interest being
1122        D69.6   charged on this loan?
1133
                    Code %
                   -1.  Zero; no interest
                    0.  Inap. (No lines of credit, not borrowing, no
                        further lines of credit)


1112        D53.8/  (Please look at the Institutions Card.) Is this
1123        D69.7   line of credit with any of the institutions on
1134                the Institutions Card, or from someplace else?
                    (IF the Institutions Card: Which institution?)
                    (IF SOMEPLACE ELSE: What type of institution is that?
                    (INTERVIEWER: CHECK INSTITUTIONS CARD AND UPDATE IF
                    A NEW INSTITUTION IS MENTIONED AT THIS POINT.)
     

                    See FINANCIAL INSTITUTIONS master reference list
                    0.  Inap. (No lines of credit, not borrowing, no
                        further lines of credit)

9087        R:       Type of institution
9088
9089

                    See FINANCIAL INSTITUTIONS master reference list
                    0.  Inap. (No lines of credit, not borrowing, no
                        further lines of credit)



1113        D53.9/   INTERVIEWER: IS THERE ANOTHER LINE OF CREDIT?
1124        D69.8
1135


1136       D53.10/  What is the total amount that you (and your family
            D70      living here) currently owe on all other remaining lines of
                    credit?                                                    

                    Code actual amount
                    -1.  Nothing; zero
                     0.  Inap. (No lines of credit, no further lines of credit)


-----------------------------------------------------------------------------
ADDITIONS AND IMPROVEMENTS TO PRINCIPAL RESIDENCE
-----------------------------------------------------------------------------

1201        D54.   Have you (and your family living here) ever made any major
                   additions or done extensive remodeling to this property?   

                   1.  YES
                   5.  NO
                   0.  Inap. (Not homeowner)


1202        D54.1  Roughly what was the total cost of all such major
                   additions or remodeling?                                   

                   Code actual amount
                   0.  Inap. (Not homeowner, no home improvements)


FOR LOANS ASSOCIATED WITH HOME IMPROVEMENTS, SEE "CONSUMER LOANS"

-----------------------------------------------------------------------------
RENT OUT PART OF PRINCIPAL RESIDENCE
-----------------------------------------------------------------------------

1223        D67.   Do you or anyone in your family here) rent out any portion
                   of this (house or lot/apartment/mobile home/building) to
                   others? (ASKED OF RS WHO DO NOT LIVE ON FARM/RANCH)

                   1.  YES
                   5.  NO
                   0.  Inap. (Not homeowner, lives on farm or ranch)


1224        D67.1   How much rent do you collect each month?                   

                   Code actual amount
                   -1.  NONE
                    0.  Inap. (Not homeowner, lives on farm or ranch,
                        no rent)


1225        D67.1  PER                                                        

                   2.  Week
                   4.  Month
                   5.  Quarter
                   6.  Year
                  -7.  Other
                   0.  Inap. (Not homeowner, lives on farm or ranch,
                       no rent)


-----------------------------------------------------------------------------
LAND CONTRACTS AND NOTES FOR REAL ESTATE SALES
-----------------------------------------------------------------------------

1401        E1.    Have you (or anyone in your family living here) ever sold
                   real estate for which you loaned money to the buyer? 
                   Please include accepting a note, land contract or mortgage
                   from the buyer.  (IF YES, SAY: We do not want to include
                   any property owned by a business which you own or have an
                   interest in.)                                              

                   1.  YES
                   5.  NO


1402        E2.    Does the buyer still owe (you/your family) money on any of
                   these notes, land contracts, or mortgages?                 

                   1.  YES
                   5.  NO
                   0.  Inap. (Never sold real estate)


1403        E2.1   Altogether, on how many such loans (are you/is your
                   family) owed money?                                        

                   Code # NOTES/LAND CONTRACTS/MORTGAGES 

                   95.  95 or more
                    0.  Inap. (Never sold real estate, no money still owed)


LOAN/LAND CONTRACT



1404        E3.    (About the [largest/next] loan ...)  Is it a land
1504               contract, a mortgage, or something else?
1604


                   1.  LAND CONTRACT
                   2.  MORTGAGE
                   3.  SOMETHING ELSE
                   0.  Inap. (Never sold real estate, no money still
                       owed, no other loan)


1405        E4.    How much are you (and your family) owed on this note?      
1505
1605

                   Code actual amount
                   0.  Inap. (Never sold real estate, no money still
                       owed, no other loan, type of loan is mortgage)


1406        E5.    In what month and year was this (mortgage/land contract)
1506               taken out?--MONTH                                          
1606

                   Code MONTH
                   0.  Inap. (Never sold real estate, no money still
                       owed, no other loan, type of loan is note)


1407        E5.    In what month and year was this (mortgage/land contract)
1507               taken out?--YEAR                                           
1607

                   Code YEAR
                   0.  Inap. (Never sold real estate, no money still
                       owed, no other loan, type of loan is note)


1408        E6.    How much did (you/your family) lend the borrower?          
1508
1608

                   Code actual amount
                   0.  Inap. (Never sold real estate, no money still
                       owed, no other loan, type of loan is note)


1409        E7.    How much is still owed on this (mortgage/land contract)?   
1509
1609

                   Code actual amount
                   0.  Inap. (Never sold real estate, no money still
                       owed, no other loan, type of loan is note)


1410       E8.    How much are the (mortgage/land contract) payments and how
1510               often are they due?                                        
1610

                   Code actual amount

                   -1.  NO REGULAR PAYMENTS; NONE
                    0.  Inap. (Never sold real estate, no money still
                       owed, no other loan, type of loan is note)


1411        E8.    PER                                                        
1511
1611
                   2.  Week
                   3.  Biweekly
                   4.  Month
                   5.  Quarter
                   6.  Year
                   8.  Lump sum
                  11.  Twice per year; every 6 months
                  -7.  Other
                   0.  Inap. (Never sold real estate, no money still
                       owed, no other loan, type of loan is note, no
                       regular payments)


1412        E9.    How many years or payments were agreed upon when the
1512               (mortgage/land contract) was taken out?--# YRS             
1612

                   Code # YRS
                   -1.  NO SET NUMBER
                    0.  Inap. (Never sold real estate, no money still
                        owed, no other loan, type of loan is note, no
                        regular payments)


1413        E9.    How many years or payments were agreed upon when the
1513               (mortgage/land contract) was taken out?--# PAYMENTS        
1613

                   Code # PAYMENTS
                   0.  Inap. (Never sold real estate, no money still
                       owed, no other loan, type of loan is note, no
                       regular payments)


1414        E10.   Will the regular payments pay off the (mortgage/land
1514               contract) completely or will there be a balance payable or
1614               "balloon" when the (mortgage/land contact) is due?         

                   1.  REPAY COMPLETELY
                   5.  BALLOON
                   0.  Inap. (Never sold real estate, no money still
                       owed, no other loan, type of loan is note, no
                       regular payments)


1415        E10a.  What will the balance payable or balloon payment be?       
1515
1615
                   Code actual amount
                   0.  Inap. (Never sold real estate, no money still
                       owed, no other loan, type of loan is note, no
                       regular payments, no balloon)


1416        E11.   Do you (or your family living here) still owe any money on
1516               loans for this property?                                   
1616

                   1.  YES
                   5.  NO
                   0.  Inap. (Never sold real estate, no money still
                       owed, no other loan)


1417        E11.1  How much do you still owe?                                 
1517
1617

                   Code actual amount
                   0.  Inap. (Never sold real estate, no money still
                       owed, no other loan, nothing still owed)


            E12    INTERVIEWER: IS THERE ANOTHER LOAN/LAND CONTRACT?




1619        E13.   About how much in total is owed to (you/your family) on
                   the remaining notes, land contracts or mortgages?          

                   Code actual amount
                   0.  Inap. (Never sold real estate, no money still
                       owed, no other loan)


1620       E13.1   Do you (or your family here) still owe any money on loans
                   for these other properties?

                   1.  YES
                   5.  NO
                   0.  Inap. (Never sold real estate, no money still
                       owed, no other loan)


1621        E13.2  Altogether how much (do you/does your family) still owe?   

                   Code actual amount
                   0.  Inap. (Never sold real estate, no money still
                       owed, no other loan, nothing still owed)


-----------------------------------------------------------------------------
OTHER REAL ESTATE
-----------------------------------------------------------------------------

1700        E14.   Do you (or anyone in your family living here) own any
                   (other) real estate such as a lot, vacation home,
                   time share, apartment building, commercial
                   property, or other investment property, including
                   properties owned in partnership with other people?

                   1.  YES
                   5.  NO



7555        E14.1  Are any of these properties owned by a business?
                   (IF yes say: I'll ask about these properties later).

                   1.  YES
                   5.  NO



1701        E15.   How many properties that are not owned by a
                   business do you (and your family living
                   here) own or have an interest in?                          

                   Code # PROPERTIES
                   -1.  NONE
                    0.  Inap. (No property)



1703        E16.   EDITOR PRECODE--BUSINESS/JOB CONNECTION                    
1803
1903

                    1.    This property associated with Bus #1 at M5a
                    2.     "     "          "       "   Bus #2 "   "
                    3.     "     "          "       "   Bus #3 "   "
                    4.    This property is associated with business listed at
                          M5a, BUT it is a) a business beyond #3 (at M19a-c)
                          or (b) associated with more than one M5a business or
                          (c) NA which business
                    5.    Property not associated with a business at M5a-M19c
                          or a property at E2
                    6.    This property is associated with R's main job (at R2
                          or R14)
                    7.    This property is associated with S/P's main job (at
                          S2 or S14)

                   LOTS/LAND

                   10.   Farm/ranch--any mention
                   11.   Land only: lot, tract, acreage; building lots;
                         "farmland"
                   12.   Land and (seasonal) residence (exc. 14); "house +
                         50 acres"
                   13.   Land and some other type of structure
                   14.   Land and trailer/mobile home
                   SEASONAL RESIDENCE
                   21.   Seasonal/vacation house (winter/summer home;
                         cottage; hunting cabin) 
                   22.   Trailer/Mobile home 
                   25.   Time-share ownership--any
                   OTHER REAL ESTATE
                   40.   One single family house
                   41.   Multiple single family houses
                   42.   Duplex; 2 unit residential
                   43.   Triplex; 3 unit residential
                   44.   Fourplex; 4 unit residential
                   45.   5 or more unit residential
                   46.   "Apartment house"-NA # units; "rental" units or
                         property--NFS
                   47.   Other business/commercial property (exc. 41-46)
                   48.   Business/commercial and residential combination
                   49.   Condominium (include NA if own use or if one unit or
                         a building)
                   50.   Residential
                   51.   Garage
                   -7.   Other, including combinations
                    0.   Inap. (No property, no additional property)


1704        E17.   Is this property owned by you (and your family living
1804               here), is it owned jointly with others, owned by a
1904               partnership, or what?                                      

                   1.  OWNED BY R/SPOUSE
                   2.  OWNED JOINTLY
                   3.  PARTNERSHIP
                   4.  REAL ESTATE INVEST TRUST
                   5.  TIMESHARE
                   6.  Managed trust of similar legal arrangememt
                  -7.  OTHER including combinations
                   0.  Inap. (No property, no additional property)


1705        E17.1  What percentage of the property do you (and your family
1805               living here) own?                                          
1905
                   (SET TO 10000 WHEN E17=1)

                   Code PERCENT to 2 decimal places
                   10000.  ALL
                       0.  Inap. (No property, no additional property)
                   NOTE: For timeshares, ownership is always taken as
                   100 percent.


1706       E18.   How much in total is this property worth; I mean what
1806              would it bring if it were sold today?  (EXCEPT FOR 
1906              TIME SHARE, WE WANT THE TOTAL VALUE NOT JUST R'S SHARE.
                  FOR E18-E33, NOTE IF R ONLY KNOWS THEIR SHARE.)

                   Code actual amount
                  -1.  NOTHING
                   0.  Inap. (No property, no additional property)


1707        E19.   In what month and year did you first acquire any
1807               part of this property? (When did R acquire it?)--MONTH  
1907
                   Code MONTH
                   0.  Inap. (No property, no additional property)


1710        E19.   CHECKPOINT: GIFT/INHERITANCE                        
1810
1910

                   1.  Checked
                   5.  Not checked
                   0.  Inap. (No property, no additional property)



1708        E19.   In what month and year did you first acquire any 
1808               part of this property? (When did R acquire it?)--YEAR
1908
                   Code YEAR
                   0.  Inap. (No property, no additional property)
                   For the public use tape, the year is bottom-coded 
                   at 1920.


1709       E20.   What was the total purchase price? (If
1809              gift/inheritance, ask value when received.)  
1909              
                   Code actual amount
                  -1.  NOTHING
                   0.  Inap. (No property, no additional property)




1711        E21.   Are there any outstanding loans or mortgages on this
1811               property?                                                  
1911
                   1.  YES
                   5.  NO
                   0.  Inap. (No property, no additional property)


1712        E22.   In what month and year did you obtain the loan or last
1812               refinance the loan?--MONTH
1912
                   Code MONTH
                   0.  Inap. (No property, no additional property, no loan)


1713        E22.   In what month and year did you obtain the loan or last
1813               refinance the loan?--YEAR
1913
                   Code YEAR
                   0.  Inap. (No property, no additional property, no loan)


1714        E23.   How much was borrowed or refinanced?                       
1814
1914
                   Code actual amount
                   0.  Inap. (No property, no additional property, no loan)


1715        E24.   How much is still owed?                                    
1815
1915
                   Code actual amount
                   0.  Inap. (No property, no additional property, no loan)


1716        E25.   How many years or what number of payments were
1816               agreed upon when the loan was taken out?--# YEARS
1916               
                   Code # YEARS
                   -1.  NO SET NUMBER
                    0.  Inap. (No property, no additional property, no loan)


1717        E25.   How many years or what number of payments were 
1817               agreed upon when the loan was taken out?--# PAYMENTS
1917                                       
                   Code # PAYMENTS
                   -7.  Number of years reported and no regular
                        payments on loan.  Number of payments cannot
                        be computed.
                   -1.  NO SET NUMBER
                    0.  Inap. (No property, no additional property, no loan)


9157 (1)    R:     Term of loan in months
9158 (2)
9159 (3)           Code amount
                   -1.  NO SET NUMBER
                    0.  Inap. (No property, no additional property, no loan)


1718        E26.   How much are the payments and how often are they due?      
1818
1918
                   Code actual amount
                   -1.  NO REGULAR PAYMENTS; NONE
                    0.  Inap. (No property, no additional property,
                        no loan, no set # or payments)


1719        E26.   PER                                                        
1819
1919
                   2.  Week
                   3.  Biweekly
                   4.  Month
                   5.  Quarter
                   6.  Year
                  11.  Twice per year; every 6 months
                  -7.  Other
                   0.  Inap. (No property, no additional property,
                       no loan, no set # or payments)


1720        E27.   Do the payments include property taxes or insurance?
1820               (Which?)                                                   
1920

                   1.  TAXES
                   2.  INSURANCE
                   3.  BOTH
                   4.  NEITHER
                   0.  Inap. (No property, no additional property,
                       no loan, no set # or payments, no regular payments)


1721        E28.   Will the regular payments repay the loan completely or
1821               will there be a balance payable, or "balloon" payment when
1921               the loan is due?                                           

                   1.  REPAY COMPLETELY
                   5.  BALLOON
                   0.  Inap. (No property, no additional property,
                       no loan, no set # or payments, no regular payments)


1722        E28.1  What will the balance due or balloon payment be?           
1822
1922
                   Code actual amount
                   0.  Inap. (No property, no additional property,
                       no loan, no set # or payments, no regular
                       payments, no balloon)


1723       E29.   What is the typical payment and how often is it made?      
1823
1923
                   Code actual amount

                   -1.  NO TYPICAL PAYMENTS; NONE
                    0.  Inap. (No property; no additional property;
                        no loan; number of payments not "NO SET #"
                        and payments not "NO REGULAR PAYMENTS")


1724        E29.   PER                                          
1824
1924
                   2.  Week
                   3.  Biweekly
                   4.  Month
                   5.  Quarter
                   6.  Year
                  -7.  Other
                   0.  Inap. (No property; no additional property;
                       no loan; number of payments not "NO SET #"
                       and payments not "NO REGULAR PAYMENTS")


1725        E30.   When do you expect this loan to be repaid?                 
1825
1925

                   Code YEAR

                    0.  Inap. (No property; no additional property;
                        no loan; number of payments not "NO SET #"
                        and payments not "NO REGULAR PAYMENTS")



7554        E30.1  Is this loan being paid off ahead of schedule,
7553               behind schedule or are the payments about on 
7552               schedule?
  
                     1. ON SCHEDULE
                     2. AHEAD OF SCHEDULE
                     3. BEHIND SCHEDULE


1726        E31.   What is the current annual interest rate being charged on
1826               the loan?                                                  
1926
 
                   Code % to 2 decimal places 
                     -1.  Zero; no interest
                      0.  Inap. (No property, no additional properties,
                          no loan)


1727        E32.   Does this loan have an adjustable rate; that is does it
1827               have an interest rate that can rise and fall from time to
1927               time?                                                      

                   1.  YES
                   5.  NO
                   0.  Inap. (No property, no additional properties,
                       no loan)


1728       E33.   (Please look at the Institutions Card.) Is this loan
1828               with any of the institutions on the Institutions Card,
1928               or from someplace else? (IF the Institutions Card:
                   which institution?) (IF SOMEPLACE ELSE:  What type
                   of institution is that?)      

                   See FINANCIAL INSTITUTIONS master reference list
                   0.  Inap. (No property, no additional properties,
                       no loan)


9099 (1)   R:      Type of institution
9100 (2)
9101 (3)           See FINANCIAL INSTITUTIONS master reference list
                   0.  Inap. (No property, no additional properties,
                       no loan)


1729        E34.   Did (you/your family living here) receive any income from
1829               this property in 1991?                                     
1929

                   1.  YES
                   5.  NO
                   0.  Inap. (No property, no additional properties)


1730        E34.1  How much gross income did (you/your family) receive?       
1830
1930
                   Code actual amount

                  -1.  NOTHING
                   0.  Inap. (No property, no additional properties,
                        no income)


            E35   INTERVIEWER: IS THERE ANOTHER PROPERTY?




2001        E36.   About the remaining properties that you (and your family
                   living here) own,  are any of these vacation homes or land
                   you use for recreational purposes?                         

                   1.  YES
                   5.  NO
                   0.  Inap. (3 or fewer properties)


2002        E36.1  How much in total is your (family's) share of these
                   vacation homes or recreational property worth?             

                   Code actual amount
                   0.  Inap. (3 or fewer properties, no recreational
                       properties)


2003       E36.2  What was your (family's) total purchase price for these
                  properties? (INTERVIEWER: IF GIFT/INHERITANCE, ASK
                  VALUE WHEN RECEIVED.)
                                                

                   Code actual amount
                   0.  Inap. (3 or fewer properties, no recreational
                       properties)


2004        E36.2  GIFT/INHERITANCE                                           

                   1.  Checked
                   5.  Not checked
                   0.  Inap. (3 or fewer properties, no recreational
                       properties)


2005        E36.3  Are there any mortgages or loans outstanding against these
                   vacation homes or recreational land?                       

                   1.  YES
                   5.  NO
                   0.  Inap. (3 or fewer properties, no recreational
                       properties)


2006       E36.4  Altogether, about how much is owed on your (family's)
                   share of these mortgages or loans?                         

                   Code actual amount
                   0.  Inap. (3 or fewer properties, no recreational
                       properties, no mortgage)


2007        E36.5  How much are the payments on these loans or mortgages and
                   how often are they due?                                    

                   Code actual amount
                   -1.  NO REGULAR PAYMENT; NONE
                    0.  Inap. (3 or fewer properties, no recreational
                       properties, no mortgage)


2008       E36.5  PER                                                        

                   2.  Week
                   4.  Month
                   5.  Quarter
                   6.  Year
                  -7.  Other
                   0.  Inap. (3 or fewer properties, no recreational
                       properties, no mortgage)


2009        E36.6  Did you (or your family living here) receive any income in
                   1991 from renting out these vacation homes or recreational
                   land?                                                      

                   1.  YES
                   5.  NO
                   0.  Inap. (3 or fewer properties, no recreational
                       properties)


2010       E36.7   Altogether, how much gross income did (you/your family)
                   receive?                                                   

                   Code actual amount
                   0.  Inap. (3 or fewer properties, no recreational
                       properties, no rent)


2011        E36.8  Are there any remaining properties you own that you have
                   not told me details about?
            
                   (ASKED DIRECTLY WHERE >=4 PROPERTIES AND E36=YES,
                   INFERRED OTHERWISE FOR ALL HAVING >=4 PROPERTIES)

                   1.  YES
                   5.  NO
                   0.  Inap. (3 or fewer properties)


2012        E37.   For the remaining properties that you own, about how much
                   in total is your (family's) share worth?  I mean, what
                   could you sell them for?                                   

                   Code actual amount
                  -1.  Nothing, almost nothing
                   0.  Inap. (3 or fewer properties, no remaining
                       properties)


2013        E37.1  About how much was your (family's) total purchase price
                   for these properties? (INTERVIEWER: IF GIFT/INHERITANCE,
                   ASK WHEN RECEIVED.)

                   Code actual amount
                   -1.  Nothing; zero
                    0.  Inap. (3 or fewer properties, no remaining
                       properties)


2014        E37.1  GIFT/INHERITANCE                                           

                   1.  Checked
                   5.  Not checked
                   0.  Inap. (3 or fewer properties, no remaining
                       properties)


2015        E37.2  Are there mortgages or loans outstanding against these
                   properties?                                                

                   1.  YES
                   5.  NO
                   0.  Inap. (3 or fewer properties, no remaining
                       properties)


2016       E37.3   Altogether, about how much is owed on your (family's)
                   share of these mortgages or loans?                         

                   Code actual amount
                  -1.  NOTHING
                   0.  Inap. (3 or fewer properties, no remaining
                       properties, no mortgage)


2017        E37.4  How much are the payments on these loans or mortgages and
                   how often are they due?                                    

                   Code actual amount
                   -1.  NO REGULAR PAYMENT; NONE
                    0.  Inap. (3 or fewer properties, no remaining
                       properties, no mortgage)


2018        E37.4  PER                                                        

                   2.  Week
                   4.  Month
                   5.  Quarter
                   6.  Year
                  -7.  Other
                   0.  Inap. (3 or fewer properties, no remaining
                       properties, no mortgage)


2019        E37.5  Did you (or your family living here) receive any income in
                   1991 from renting out any of these other properties?       

                   1.  YES
                   5.  NO
                   0.  Inap. (3 or fewer properties, no remaining
                       properties)


2020        E37.6  Altogether, how much gross income did (you/your family)
                   receive in 1991?                                           

                   Code actual amount
                   0.  Inap. (3 or fewer properties, no remaining
                       properties, no rent)



_____________________________________________________________________________
BUSINESSES
-----------------------------------------------------------------------------


3103       F3.    Now I would like to ask you about any businesses you
                  may own. Do you (and your family living here) own or share
                  ownership in any privately-held businesses, farms,
                  professional practices or partnerships? (SEE INSTRUCTION
                  IN BOX ABOVE.) (asked of Rs who do not operate
                  farm/ranch business, inferred for others)

                   1.  YES
                   5.  NO


3104        F4.    Do you (or anyone in your family living here) have an
                   active management role in any of these businesses?
                   (INCLUDE THE GENERAL PARTNERS IN A LIMITED PARTNERSHIP,
                   BUT NOT THE LIMITED PARTNERS.) (asked of Rs who do not
                   operate farm/ranch business, inferred for others
                   with businesses)

                   1.  YES
                   5.  NO
                   0.  Inap. (No businesses)


            F2.    Including your (farm/ranch) business here, in how
                   many (farms/ranches), privately-held
                   businesses, professional practices or partnerships do you
                   (or your family living here) own or share ownership in and
                   have an active management role?  (INCLUDE THE GENERAL
                   PARTNERS IN A LIMITED PARTNERSHIP, BUT NOT THE LIMITED
                   PARTNERS.) (asked of Rs who operate farm/ranch business)
            F2.1   READ THE FOLLOWING:  I will ask you first about your
                   (farm/ranch) business. When we talk about the value
                   of farm assets and liabilities here, please do not
                   include the value of properties and loans I have
                   already recorded. (INTERVIEWER: WE ONLY WANT TO
                   PICK UP FARM IMPLEMENTS, LIVESTOCK, CROPS, ETC AND
                   OPERATING LOANS OTHER THAN MORTGAGES RECORDED IN
                   SECTION D.) RECORD # OF BUSINESSES (FROM F2) IN BOX
                   F5 AT TOP OF NEXT PAGE, THEN SKIP TO QUESTION F5.1.

 


3105        F4.1   In how many businesses do you (or anyone in your family
                   living here) have an active management role? (asked of
                   Rs who do not operate farm/ranch business)

                   Code # BUSINESSES
                   0.  Inap. (No businesses, no businesses with active
                       management role)
                   For the public use tape, the number of such
                   businesses is top-coded at 25.


3106        F5      # OF BUSINESSES



3107        F5.1    What kind of business is (it/the largest business/the next
3207                business) -- that is, what does the business make or do?   
3307

                    1.   Farm; nursery; train dogs; forest management;
                         agricultural services; landscaping; fisheries
                    2.   Restaurant; bar
                    3.   Auto repair; car wash
                    4.   Direct sales:  Amway; Avon; Mary Kay; Tupperware;
                         Stanley Home products
                    5.   Contracting; construction services; plastering;
                         painting; plumbing
                    6.   Real estate; insurance
                    7.   Professional practice, incl. law, medicine,
                         architecture; accounting; bookkeeping
                    8.   Beauty shop; barber shop
                    9.   Manufacturing, incl. printing/publishing; oil field
                         services
                   10.   Gas station
                   11.   Food/liquor store
                   12.   Other retail and/or wholesale business (exc. 2, 4,
                         10,11)
                   13.   Trucking; moving and storage; warehousing
                   14.   Repair services (exc. auto, code 3):  appliances,
                         TV, upholstery, furniture, shoes 
                   15.   Personal services (exc. beauty shop, code 8):
                         hotel, dry cleaners, funeral home 
                   16.   Entertainment services, incl. dance studio, drive-in
                         theatre
                   17.   Business management and consulting services
                   18.   Other business services (exc. 17):  advertising,
                         equipment rental, computer programming,
                         auctioneering, pest control 
                   19.   Banks and brokerage firms; mortgage/finance company
                   20.   Communications; (cable) TV or radio stations
                   21.   Goods
                   22.   Investments
                   -7.   Other, incl. businesses operated outside
                         U.S., other combinations of businesses
                    0.   Inap. (No businesses, no businesses with active
                         management role, no further businesses with
                         active management role)


3108        F6.    How did you (or your family living here) first acquire this
3208               business; was it bought or invested in, started by you, 
3308               inherited, given to you, or what?                          

                   1.  BOUGHT/INVEST/BECAME PARTNER
                   2.  STARTED
                   3.  INHERITED
                   4.  GIVEN
                  -7.  OTHER
                   0.  Inap. (No businesses, no businesses with active
                       management role, no further businesses with
                       active management role)






3110        F8.    In what year did you (start/acquire) the business?         
3210
3310
                   Code YEAR
                   0.  Inap. (No businesses, no businesses with active
                       management role, no further businesses with
                       active management role)


3111       F9.    How many employees does it have including you (and members
3211               of your family)?                                           
3311
                   Code # EMPL
                   -1.  No one working in business; business is about to
                        be sold
                    0.  Inap. (No businesses, no businesses with active
                        management role, no further businesses with
                        active management role)
                    For the public use tape, the number of employees
                    is top-coded at 25000.




3112        F9.1   INTERVIEWER CHECKPOINT: R LIVES ALONE.
3212
3312

            F9.2   Which members of your family living here work in the
                   business? (Asked for R does not live alone,
                   inferred for R lives alone)

3113        F9.2   A. R                                                       
3213
3313

3114        F9.2   B. SPOUSE                                
3214
3314

3115        F9.2   C.  ADULT CHILD
3215
3315    

3116        F9.2   D.  OTHER ADULT IN HH                    
3216
3316

3117       F9.2   E. OTHER--Person(s) under 18 in HH                         
3217
3317
                   1.  Checked                              
                   5.  Not checked
                   0.  Inap. (No businesses, no businesses with active
                       management role, no further businesses with
                       active management role)



3118        F9.3   (Other than you [and your husband/wife/partner]),
3218               how many hours does the (other/most involved) family
3318               member work in this business in a normal week?

                   Code HRS
                  -1.  None; zero hours
                   0.  Inap. (No businesses, no businesses with active
                       management role, no further businesses with
                       active management role, no one in family living
                       there other than respondent and spouse works
                       for business)


3119        F9.4   Is it a partnership, a sole proprietorship, a subchapter S
3219               corporation, another type of corporation, or what?         
3319
                    1.  PARTNERSHIP or related type
                    2.  SOLE PROPRIETORSHIP
                    3.  SUBCHAPTER S
                    4.  OTHER CORPORATION, including C corporation
                    6.  Foreign business type
                   -7.  OTHER
                    0.  Inap. (No businesses, no businesses with active
                        management role, no further businesses with
                        active management role)


3120        F10.   Are you (or your family living here) using personal assets
3220               as collateral or did you have to cosign or guarantee any
3320               loans for this business?                                   

                   1.  YES
                   5.  NO
                   0.  Inap. (No businesses, no businesses with active
                       management role, no further businesses with
                       active management role)


3121        F10.1  How much is guaranteed or collateralized?                  
3221
3321
                   Code actual amount
                   0.  Inap. (No businesses, no businesses with active
                       management role, no further businesses with
                       active management role, no cosigned loans or
                       loan guarantees)



3122        F10.2  Did I record this earlier?                                 
3222
3322
                   1.  YES
                   5.  NO
                   0.  Inap. (No businesses, no businesses with active
                       management role, no further businesses with
                       active management role, no cosigned loans or
                       loan guarantees)



7551        F10.3   Which loan was that?
7550
7549
                       Code which loan up to 5 characters
                   0.  Inap. (No businesses, no businesses with active
                       management role, no further businesses with
                       active management role, no cosigned loans or
                       loan guarantees, not recorded earlier)


3123        F11.   (Other than guarantees,) does the business owe you (or
3223               your family living here) any money?                        
3323
                   1.  YES
                   5.  NO
                   0.  Inap. (No businesses, no businesses with active
                       management role, no further businesses with
                       active management role)


3124        F11.1  How much is owed?                                          
3224
3324
                   Code actual amount
                   0.  Inap. (No businesses, no businesses with active
                       management role, no further businesses with
                       active management role, business does not owe R
                       money)


3125        F12.   Do you (or your family living here) owe the business any
3225               money?                                                     
3325
                   1.  YES
                   5.  NO
                   0.  Inap. (No businesses, no businesses with active
                       management role, no further businesses with
                       active management role)


3126        F12.1  How much do you owe?                                       
3226
3326
                   Code actual amount
                   0.  Inap. (No businesses, no businesses with active
                       management role, no further businesses with
                       active management role, R and family do not owe
                       business money)


3127        F12.2  Did I record this earlier?                                 
3227
3327
                   1.  YES
                   5.  NO
                   0.  Inap. (No businesses, no businesses with active
                       management role, no further businesses with
                       active management role, R and family do not owe
                       business money)


7548        F12.3  When was it mentioned?
7547
7546
                       Code which loan up to 5 characters
                   0.  Inap. (No businesses, no businesses with active
                       management role, no further businesses with
                       active management role, R and family do not owe
                       business money, not recorded earlier)


3128        F13.   What percentage of the business do you (and your family
3228               living here) own?                                          
3328
                   Code PERCENT to 2 decimal places

                   10000.  ALL
                       0.  Inap. (No businesses, no businesses with active
                           management role, no further businesses with
                           active management role)



3129       F14.   What is the net worth of your share? What could you
3229              sell it for?     
3329
                   Code actual amount
                   -1.  NOTHING
                    0.  Inap. (No businesses, no businesses with active
                        management role, no further businesses with
                        active management role)

3130        F15.   If you sold the business now, what would be the cost basis
3230               for tax purposes of this share?  (What was your original
3330               investment?)                                               

                   Code actual amount
                   -1.  NOTHING
                    0.  Inap. (No businesses, no businesses with active
                        management role, no further businesses with
                        active management role)


3131       F16.   What were the gross receipts or gross sales of the
3231               business as a whole in 1991?                               
3331
                   Code actual amount
                   -1.  NONE
                    0.  Inap. (No businesses, no businesses with active
                        management role, no further businesses with
                        active management role)


3132        F17.   What was the business's total net income before taxes in
3232               1991?                                                      
3332
                   Code actual amount
                   -1.  NONE
                    0.  Inap. (No businesses, no businesses with active
                        management role, no further businesses with
                        active management role)




3134        F19    INTERVIEWER CHECKPOINT: IS THERE ANOTHER BUSINESS?
3234
3334


3335        F19.1  For the remaining business(es) you (and your family living
                   here) own and actively manage, what could you sell your
                   share for?  (What is your share worth?)                    

                   Code actual amount
                   -1.  NOTHING
                    0.  Inap. (No businesses, no businesses with active
                        management role, no further businesses with
                        active management role)


3336        F19.2  If you sold (these businesses/this business) now, what
                   would be the cost basis for tax purposes of your share? 
                   (What was your original investment?)                       

                   Code actual amount
                   -1.  NOTHING
                    0.  Inap. (No businesses, no businesses with active
                        management role, no further businesses with
                        active management role)


3337        F19.3  What was the total net income you (and your family living
                   here) received from (these businesses/this business) in
                   1991?                                                      

                   Code actual amount
                   -1.  NONE
                    0.  Inap. (No businesses, no businesses with active
                        management role, no further businesses with
                        active management role)


3401        F20.   Do you (or anyone in your family living here) own or have
                   an interest in any other businesses or partnerships where
                   you do not have an active management role? (Asked
                   if R has business with managment interest, inferred
                   for others with businesses)

                   1.  YES
                   5.  NO


3402        F20.1  How many of these (other) businesses or partnerships do
                   you (and your family living here) own or share ownership
                   in?                                                        

                   Code NUMBER
                   0.  Inap. (No businesses, no businesses without
                       management role)


#1: Limited partnerships
#2: Other partnerships
#3: S-corporations
#4: Other corporations
#5: Sole proprietorships
#6: Other types

3407(#1)   F20.2  Is it a sole-proprietorship, a limited partnership,
3411(#2)           another type of partnership, a Subchapter S-corporation,
3415(#3)           another type of corporation, or what? (ASKED IF
3419(#4)           ONLY ONE BUSINESS)
3423(#5)   F21.   (I need to know what type of businesses these are.)  Are
3427(#6)           any of them (TYPE: Limited Partnerships, Other
                   Partnerships, S-Corporations, Sole Proprietorships,
                   Other Types)? (ASKED IF MORE THAN ONE BUSINESS)

                   1.  YES
                   5.  NO
                   0.  Inap. (No businesses, no businesses without
                       management role no TYPE businesses with
                       active management role)



7545        F21.7  Were you (or any of your family living here)
                   ever involved in the active management of
                   (this business/any of these businesses)?    

                   1.  YES
                   5.  NO
                   0.  Inap. (No businesses, no businesses without
                       management role no TYPE businesses with
                       active management role)



3408(#1)    F20.3  What could you sell your (family's) share for?  (What is
3412(#2)           it worth?) (ASKED IF ONLY ONE BUSINESS)
3416(#3)    F22    What could you sell your (family's) share of all these
3420(#4)           (TYPE) for?  (What is it worth?) (ASKED IF MORE
3424(#5)           THAN ONE BUSINESS) (INTERVIEWER: DOES R or S WORK
3428(#6)           FOR A BUSINESS REPORTED IN THIS SECTION?)

                   F22.1  Limited partnerships
                   F22.2  Other partnerships
                   F22.3  Subchapter S corporations
                   F22.4  Other corporations
                   F22.5  Sole proprietorships
                   F22.6  Other type  


                   Code actual amount
                   -1.  Nothing; zero
                   -2.  LOSS; negative amount
                    0.  Inap. (No businesses, no businesses without
                        management role no TYPE businesses with
                        active management role)
        

3409(#1)    F20.4  If you sold this (business/partnership) now, what would be
3413(#2)           the cost basis for tax purposes?  (What was your original
3417(#3)           investment?) (ASKED IF ONLY ONE BUSINESS)
3421(#4)    F23    If you sold these (TYPE) now, what would be the cost basis
3425(#5)           for tax purposes of these shares?  (What was your original
3429(#6)           investment?) (ASKED IF MORE THAN ONE BUSINESS)



                   F23.1  Limited partnerships
                   F23.2  Other partnerships
                   F23.3  Subchapter S corporations
                   F23.4  Other corporations
                   F23.5  Sole proprietorships
                   F23.6  Other type  


                   Code actual amount
                   -1.  Nothing; zero
                   -2.  LOSS; negative amount
                    0.  Inap. (No businesses, no businesses without
                        management role no TYPE businesses with
                        active management role)


3410(#1)    F20.5  What was the total net income you (and your family living
3414(#2)           here) received from this (business/partnership) in 1991?
3418(#3)           (ASKED IF ONLY ONE BUSINESS)
3422(#4)    F24   What was the total net income you (and your family living
3426(#5)           here) received from all such (TYPE) in 1991? (ASKED
3430(#6)           IF MORE THAN ONE BUSINESS)

                   Code actual amount
                   -1.  Nothing; zero
                    0.  Inap. (No businesses, no businesses without
                        management role no TYPE businesses with
                        active management role)



                   F24.1  Limited partnerships
                   F24.2  Other partnerships
                   F24.3  Subchapter S corporations
                   F24.4  Other corporations
                   F24.5  Sole proprietorships
                   F24.6  Other type  



7544        F22    INTERVIEWER: DOES R OR S WORK FOR A BUSINESS
                   REPORTED IN THIS SECTION?

                   1.  RESPONDENT DOES
                   3.  SPOUSE DOES
                   4.  RESPONDENT AND SPOUSE DO
                   5.  NO
                   0.  Inap. (No businesses, no businesses without
                       management role no TYPE businesses with
                       active management role)


-----------------------------------------------------------------------------
VEHICLES
-----------------------------------------------------------------------------

2101        G1.    Are you (or anyone in your family living here) currently
                   leasing any cars or other vehicles?  (IF YES, SAY:  Do not
                   include any vehicle that is leased by a business.)         

                   1.  YES
                   5.  NO


2102        G2.    Altogether, how many cars or other vehicles do you (and
                   your family living here) lease?--VEHICLE #1                

                   Code # LEASED VEHICLES
                   0.  Inap. (No leased vehicle)


2103        G3.    What make and model is the (newest/next) vehicle?
2110

                   Enter MAKE/MODEL as given by R up to 25 characters
                   25 Spaces.  Inap. (No leased vehicles)
   

2104       G4.    What model year is it?
2111
                   Code YEAR
                   0.  Inap. (No leased vehicles)
                   For the public use tape, the model year is bottom-coded
                   at 1940.


8163 (1)    R:     Value of vehicle
8164 (2)

2105        G5.    How much are your monthly lease payments?
2112

                   Code $ amount
                   -1.  NO REGULAR PAYMENT; NONE
                    0.  Inap. (No leased vehicles)


2106        G5.    PER                                                        
2113
                   2.  Week
                   4.  Month
                   5.  Quarter
                   6.  Year
                  -7.  Other
                   0.  Inap. (No leased vehicles)


2107       G5.1   How many years or months was the original lease?
2114              (YRS)

                   Code YRS
                   0.  Inap. (No leased vehicles)


2108        G5.1   How many years or months was the original lease?
2115               (MOS)                                                   

                   Code MOS
                   0.  Inap. (No leased vehicles)


2109        G6     INTERVIEWER: IS THERE ANOTHER VEHICLE?
2116


2117        G6.1   Altogether, about how much per month are the lease
                   payments on your other leased vehicle(s)?                  

                   Code actual amount
                  -1.  NO REGULAR PAYMENTS; NONE
                   0.  Inap. (No leased vehicles)


2118        G6.1   PER                                                        

                   1.  Day
                   2.  Week
                   4.  Month
                   5.  Quarter
                   6.  Year
                  -7.  Other
                   0.  Inap. (No leased vehicles)


2201        G7.    Do you (or anyone in your family here) own  any cars, or
                   any kind of truck, van, or jeep-type vehicle?  Do not
                   include motorcycles, tractors, snow blowers, etc.
                   or any vehicles owned by a business.                      

                   1.  YES
                   5.  NO


2202        G7.1   Altogether, how many such cars or other vehicles do you
                   (and your family living here) own?                         

                   Code # OWNED VEHICLES
                   0.  Inap. (No owned vehicle)


2203        G8.   What type of vehicle is (it/the newest/the next)--(a car,
2303               van, jeep, pickup, or what?)                               
2403
                     
                   1.  CAR                                  
                   2.  VAN
                   3.  JEEP/SPORT-UTILITY
                   4.  PICKUP                               
                   5.  Antique/classic/collector vehicle
                   6.  Truck (except pickup)
                  -7.  OTHER
                   0.  Inap. (No owned vehicle)

                   For the public use tape, Antique/classic/collector
                   vehicle (5) is set to -7.

2204        G9.    What make and model is it? (2-WORD ANSWER: MAKE AND MODEL)
2304
2404
                   Enter MAKE/MODEL as given by R up to 25 characters
                   25 Spaces.  Inap. (No owned vehicles)


2205        G10.   What model year is it?                                     
2305
2405
                   Code YEAR
                   0.  Inap. (No owned vehicles)
                   For the public use tape, the model year is bottom-coded
                   at 1940.


8166 (1)    R:     Value of vehicle
8167 (2)
8168 (3)           Code amount
                   0.  Inap. (No owned vehicles)



7543        G11    Did you buy it new or used?
7542
7541               1.  NEW
                   2.  USED
                   0.  Inap. (No owned vehicles)
           
7540        G11.1  In what year did you buy it?
7539
7538

                       Code Year
                   0.  Inap. (No owned vehicles)

2422        G23.1  How much (is/are all) the other such vehicle(s) that you
                   (and others in your family living here) own worth in
                   today's prices?                                            

                   Code actual amount
                   0.  Inap. (No owned vehicles)


FOR LOANS ASSOCIATED WITH VEHICLES, SEE "CONSUMER LOANS"


2501        G24.   Do you (or anyone in your family living here) have any
                   (other) vehicles that are owned by a business but which
                   you also use regularly for personal purposes?              

                   1.  YES
                   5.  NO


2502        G24.1  How many such vehicles do you (or someone in your family
                   living here) regularly use?                                

                   Code # BUSINESS VEHICLES
                   0.  Inap. (No business vehicles)


2503        G25.   Do you (or anyone in your family here) own any other
                   vehicles such as a motorhome, RV, boat, or airplane?       
                   (INTERVIEWER: DO NOT INCLUDE TRACTORS OR LAWN MOWERS.)

                   1.  YES
                   5.  NO
                 

2504       G25.1   Altogether, how many of these other vehicles do you (and
                   your family living here) own?                              

                   Code # VEHICLES
                   0.  Inap. (No other vehicle)


2505        G26.   What type of vehicle is (it/the newest/the next)--(Is it a
2605               motorhome, RV, airplane, boat, or what?)                   
           
                    1.  MOTORHOME (one piece that you drive)
                    2.  RV (hauled by a car or truck); "trailer"--NA type;
                        "travel trailer"
                    3.  AIRPLANE; helicopter
                    4.  BOAT
                   11.  Motorcycle; motor scooter
                   12.  Snowmobile
                   13.  Golf cart
                   14.  Non-automobile off-road vehicle
                   15.  Misc. construction vehicle
                   -7.  OTHER
                    0.  Inap. (No other vehicle)
                    For the public use tape, Motorhomes (1) and RVs
                   (2) are combined in 1; Boats (3) and Airplanes
                   (4) are combined in 3; and Golf carts (13) and
                   Snowmobiles (12) are combined in 12.


2506        G27.   About how much is this (TYPE OF VEHICLE) worth?            
2606

                   Code actual amount
                   0.  Inap. (No other vehicle)


            G39    INTERVIEWER: IS THERE ANOTHER VEHICLE?



2623        G39.1  How much (is/are all) the other such vehicle(s) that you
                   (and others in your family living here) own worth?         

                   Code actual amount
                   0.  Inap. (No other vehicle)


FOR LOANS ASSOCIATED WITH VEHICLES, SEE "CONSUMER LOANS"





-----------------------------------------------------------------------------
EDUCATION LOANS
-----------------------------------------------------------------------------


7801        H1.   Not counting credit cards or loans you may
                  have told me about in detail, do you (and your
                  family living here) own any money or have any
                  loans for educational expenses?

                   1.  Yes    
                   5.  No

7802        H2.   How many such loans do you have?
                       
                       Code total #
                   0.  Inap. (No loan)

7803        H3.   (About the [largest/next] loan), in what month
7826              and year was this loan taken out? -- MONTH
7849
7903                   Code MONTH (01-12)
7926               0.  Inap. (No loan)
7949

7804        H3.   (About the [largest/next] loan), in what month
7827              and year was this loan taken out? -- YEAR
7850
7904                   Code YEAR
7927               0.  Inap. (No loan)
7950

7805        H4.   How much was borrowed or financed, not counting 
7828              the finance charges?
7851
7905
7928                   Code actual amount
7951               0.  Inap. (No loan)
            
7806        H5.   Are you paying this loan now?
7829
7852
7906               1.  Yes    
7929               5.  No
7952               0.  Inap.  (No loan)

7807        H6.   When will you start paying on this loan? -- MONTH
7830
7853
7907                   Code MONTH (01-12)
7930               0.  Inap. (No loan, paying on loan now)
7953

7808        H6.   When will you start paying on this loan? -- YEAR
7831
7854
7908                   Code YEAR
7931               0.  Inap. (No loan, paying on loan now)
7954

7809        H7.   Is interest accumulating on the loan?    
7832
7855
7909               1.  Yes
7932               5.  No
7955               0.  Inap. (No loan, paying on loan now)


7810        H8.   When did you start paying this loan? (TAKE MOST
7833              RECENT TIME R BEGAN PAYING ON LOAN) -- MONTH
7856
7910                   Code MONTH (01-12)
7933               0.  Inap. (No loan, not paying on loan now)
7956


7811        H8.   When did you start paying this loan? (TAKE MOST
7834              RECENT TIME R BEGAN PAYING ON LOAN) -- YEAR
7857
7911                   Code YEAR
7934               0.  Inap. (No loan, not paying on loan now)
7957

7812        H9.   Is this a regular installment loan where you
7835              pay a fixed dollar amount each month for a
7858              fixed number of months until the loan is
7912              repaid, or some other kind?
7935
7958               1.  Regular installment  
                   2.  Other kind
                   0.  Inap. (No loan, not paying on loan now)

7813        H10.  How many monthly payments or years were agreed upon
7836              when the loan was received? -- YEARS
7859
7913
7936                   Code # YEARS
7959              -1.  NO SET #
                   0.  Inap. (No loan, not paying on loan now, not
                       regular installment loan)
                  -7.  Term given in number of payments and PER for
                       payment not available to compute number of years

7814        H10.  How many monthly payments or years were agreed upon
7837              when the loan was received? -- PAYMENTS
7860
7914                   Code # PAYMENTS
7937              -1.  NO SET #
7960               0.  Inap. (No loan, not paying on loan now, not
                       regular installment loan)

9173()      R.     Term of loan in months
9174()
9175()
9176()
9177()
9178()

7815        H11   How much are the monthly payments? -- AMOUNT
7838
7861                    Code $ amount
7915               -1.  NO REGULAR PAYMENTS; NONE
7938                0.  Inap. (No loan, not paying on loan now, not
7961                    regular installment loan)


7816         HH11  PER
7839
7862
7916                2.  Week
7939                4.  Month
7962                5.  Quarter
                    6.  Year
                   -7.  Other
                    0.  Inap. (No loan, not paying on loan now, not
                        regular installment loan)

7817        H11.1 What is the typical payment and how often is it made?
7840              -- AMOUNT
7863
7917                    Code $ amount
7940               -1.  NO REGULAR PAYMENTS; NONE
7963                0.  Inap. (No loan, not paying on loan now, not
                        regular installment loan)
7818        H11.1 PER
7841
7864                2.  Week
7918                4.  Month
7941                5.  Quarter
7964                6.  Year
                   -7.  Other
                    0.  Inap. (No loan, not paying on loan now, not
                        regular installment loan)

7819        H12.  In what month and year do you expect this loan to be
7842              repaid? -- MONTH
7865
7919                    Code MONTH (01-12)
7942                0.  Inap. (No loan, not paying on loan now,
7965                    regular installment loan)



7820        H12.  In what month and year do you expect this loan to be
7843              repaid? -- YEAR
7866
7920                    Code MONTH (01-12)
7943                0.  Inap. (No loan, not paying on loan now,
7966                    regular installment loan)

           
7821        H13.  Is this loan being paid off ahead of schedule,
7844             behind schedule, or are the payments about on 
7867              schedule?
7921
7944                1.  On schedule
7967                2.  Ahead of schedule
                    3.  Behind schedule
                    0.  Inap. (No loan, not paying on loan now,
                        regular installment loan)




7822        H14.  What is the annual rate of interest being charged on
7845              this loan?
7868
7922                    Code % to 2 decimal places
7945               -1.  Zero; no interest
7968                0.  Inap. (No loan)


7823        H15.  Please look at the Institutions Card. Is this loan
7846              with any of the Institutions on the Institutions
7869              Card, or from someplace else? (IF INSTITUTIONS CARD:
7923              WHICH INSTITUTION?) (IF SOMEPLACE ELSE: WHAT TYPE OF
7946              INSTITUTION IS THAT?)
7969              INTERVIEWER: CHECK INSTITUTIONS CARD AND UPDATE IF
                  A NEW INSTITUTION IS MENTIONED AT THIS POINT.)


                   See FINANCIAL INSTITUTIONS master reference list
                   0.   Inap. (No loan)


9203        R.    Type of institution.
9204
9205               See FINANCIAL INSTITUTIONS master reference list
9206               0.   Inap. (No loan)
9207
9208


7824        H16.  How much is still owed on this loan?
7847
7870
7924                   Code actual amount
7947               0.  Inap. (No loan)
7970


7825        H17.  INTERVIEWER: IS THERE ANOTHER LOAN? 
7848 
7871               1.  Yes
7925               5.  No
7948               0.  Inap. (No loan)
7971



-----------------------------------------------------------------------------
CONSUMER LOANS
-----------------------------------------------------------------------------

THIS SECTION CONTAINS LOANS ORIGINALLY ASKED IN SECTION D (OTHER LOANS
FOR THE PURCHASE OF THE PRINCIPAL RESIDENCE -- LOANS 7 BELOW, HOME
IMPROVEMENT LOANS -- LOANS 8 AND 9 BELOW), SECTION G (OWN VEHICLES --
LOANS 10 THROUGH 13 BELOW, OTHER VEHCICLES -- LOANS 14 THROUGH 16
BELOW), AND SECTION H (ALL CONSUMER LOANS -- LOANS 1 THROUGH 6 BELOW).

NOTE: THERE MAY BE SOME DEVIATIONS FROM THE STRUCTURE OF INAPPLICABLE
ANSWERS NOTED  BELOW.  IN CASES WHERE THE RESPONDENT DID NOT KNOW
WHETHER THE TYPE OF LOAN WAS "REGULAR INSTALLMENT" OR DID NOT KNOW THE
TERM OF THE LOAN, RESPONDENTS WERE ASKED ABOUT THEIR TYPICAL PAYMENTS
AND WHEN THEY EXPECT THE LOAN TO BE REPAID.  DATA WILL REMAIN IN THESE
VARIABLES WHEN THE LOAN TYPE IS SUBSEQUENTLY IMPUTED TO BE "REGULAR
INSTALLMENT" OR IN ALL CASES WHERE THE TERM WAS MISSING.  WHILE THIS
MAY CAUSE SOME CONFUSION, IT SEEMS THE BEST WAY OF PRESERVING THE
ORIGINAL RESPONSES TO THE QUESIONNAIRE. 



     SECTION I.    OTHER LOANS   

            I1.    Not counting credit cards or loans you have already told
                   me about, do you (and your family living here) owe any
                   money on loans for:
            I1.1   ..household appliances, furniture, or hobby or
                   recreational equipment?                                    
            I1.2   ..loans for educational expenses or medical bills?         
            I1.3   ..loans from friends or relatives?                         
            I1.4   ..any other loans? (IF R ASKS: INCLUDE CHECKING ACCOUNT
                   OVERDRAFTS. DO NOT INCLUDE LIFE INS. POLICY LOANS.)        

                   1.  YES
                   5.  NO


            I2.1   FOR EACH "YES", ASK: How many such loans do you have?      
            I2.2
            I2.3   Code #
            I2.4  0.  Inap.


2709        I3.    IWER CHECKPOINT:  ADD TOTAL NUMBER OF LOANS FROM
                   I2.1 - I2.4 

                   Code TOTAL #                                               
                   -1.  NONE


2710(1a)    I4.    What was (this/the largest/the next) loan for?--LOAN #1    
2727(2a)
2810(3a)
2827(4a)
2910(5a)
2927(6a)



                          LOAN PURPOSE MASTER CODE

            HOME PURCHASE, ADDITION OR REPAIR OF CURRENT RESIDENCE
            01.  Own home purchase
            03.  Home improvement or addition (incl. assessments for sewer/
                 sidewalk, etc.)
            04.  Home repairs/maintenance/upkeep

            CAR/HOUSEHOLD DURABLE GOODS
            10.  Car
            11.  Refrigerator
            12.  Stove/Range; microwave oven
            13.  Dishwasher
            14.  Freezer
            15.  Air conditioner
            16.  Washing machine (incl. washer/dryer combination)
            17.  Dryer
            18.  Furniture (excluding pianos and organs--see 34); lamps;
                 mattress and spring combinations; rug and/or carpet; other
                 household furnishings

            20.  Vacuum cleaners
            23.  Home computer; calculator; computer terminal
            24.  Truck/jeep/utility vehicle
            25.  Combination of appliances (incl. TV); "appliances"--NA type
            26.  Combination of furniture + appliances 

            29.  Other appliances or durable goods; sewing machine;
                 typewriter

            SMALL/INDOOR HOBBY OR ENTERTAINMENT GOODS
            31.  Stereo; phonograph (may include radio); include sound
                 equipment, amplifiers here; radio (AM or FM); tuner; CB
                 equipment; tape recorder, tape player (cassette or reel-to-
                 reel); CD player
            34.  Piano; organ
            35.  Musical instruments (excluding pianos and organs)
            36.  TV--color or black and white; "home entertainment center"
                 (incl. combination TV, radio, phonograph); video cassette
                 recorder/player (VCR); video camera (Cam-corder)

            49.  Other small/indoor hobby or entertainment items (incl. pool
                 tables and regular cameras)
            50.  Power tools and yard equipment

            OUTDOOR HOBBY AND RECREATION GOODS
            61.  Boat; boating equipment (including trailer)
            63.  Motorcycles; bicycle; moped; snowmobiles; off-road vehicles
            65.  Camper-trailers; "RV"--NFS
            67.  Cottage; vacation property; mobile homes--seasonal residence
                 (if current residence, code 01); "motorhome"; "second home"

            69.  Other outdoor recreation items; horse

            SAVINGS AND INVESTMENTS

High        71.  Invest in Bus #1 (from Section M)
Priority    72.     "    " Bus #2   "      "    "
            73.     "    " Bus #3   "      "    "
         
            74.  Invest in own business, other than 71-73 or NA which or all
            75.  Business investment (own) (exc. 71-74), incl.
                 businesses now defunct
            76.  Other asset investment; bought stocks/bonds; IRA
                 deposit; gold; "investment" -- NFS

            78.  Investment real estate (incl. cemetery plots and additions
                 and repairs to investment property); farmland (exc. 71-74);
                 include businesses of self-employed R's who don't report a
                 business in the M section

            79.  Other investments


            SPECIAL EXPENSES
            81.  Travel/vacation expenses
            82.  Medical/dental expenses; attorney's fees
            83.  Education/school expenses
            84.  Tax and insurance expenses (exc. vehicle, code 93)
            85.  Weddings/funerals
            88.  Moving expenses

            89.  Other special expenses; encyclopedia; health membership

            MISCELLANEOUS PERSONAL NEEDS
            90.  "Personal loan"--NA what for
            91.  Bill consolidation; "bills"
            92.  Personal items, incl. clothing, jewelry
            93.  Vehicle repair/upkeep (incl. insurance)
            94.  Gifts; goods or gifts of money; "Christmas"
            95.  Living/general expenses

            96.  Loans made to others; "loaned friend/son money for a house"
            -7.  Other (incl. combinations)
             0.  Inap. (No loan)



1032(7)    D41.    Do you (and your family living here) owe money on any
                   (other) loans used for the purchase of this property, such
                   as loans from relatives or the seller?  (Please do not
                   include any home equity lines of credit.) (OTHER
                   LOANS FOR PURCHASE OF PRINCIPAL RESIDENCE)
1203(8)    D54.2   Other than what I have already recorded, do you (or your
                   family living here) owe any money on loans taken out for
                   these projects? (HOME IMPROVEMENT LOANS)
1218(9)     D65.   Do you owe money on more than one loan for home additions
                   or improvements?                                           
                   (HOME IMPROVEMENT LOANS)
2206(10)    G12.   Not counting any loans I've already recorded, is any money
2306(11)           still owed on loans for this (MAKE/MODEL)?
2406(12)           (OWN VEHICLE GRID)
2423(13)    G23.2  Not counting loans I have already recorded, is any money
                   still owed on loans for (this/these) vehicle(s)? 
                   (LOANS ON OWN VEHICLES BEYOND THE 3RD VEHICLE)
2507(14)    G28.   Not counting any loans that I have already recorded, is any
2607(15)           money still owed on loans for this (TYPE OF VEHICLE)?      
                   (OTHER VEHICLE GRID)
2624(16)    G39.2  Not counting loans I have already recorded, is any money
                   still owed on loans for (this/these) vehicle(s)?           
                   (LOANS ON OTHER VEHICLES BEYOND THE 2ND VEHICLE)

                   1.  YES
                   5.  NO
                   0.  Inap. (Not homeowner/no home improvements on
                       current own home/only 3 or fewer own vehicles/
                       only 2 or fewer other vehicles)


2712(1)     I5.    In what month and year was this loan taken out?--MONTH     
2729(2)
2812(3)
2829(4)
2912(5)
2929(6)
1033(7)     D42.   In what month and year was this loan taken out?--MONTH     
1204(8)     D55.   In what month and year was the most recent such loan taken
                   out?--MONTH                                                
2207(10)    G13.   In what month and year was the loan taken out?--MONTH      
2307(11)
2407(12)
2508(14)    G29.   In what month and year was the loan taken out?--MONTH      
2608(15)

                   (NOTE: NOT ASKED FOR LOANS 9, 13, AND 16)

                   Code MONTH (01-12)
                   0.  Inap. (No loan)


2713(1)    I5.    In what month and year was this loan taken out?--YEAR      
2730(2)
2813(3)
2830(4)
2913(5)
2930(6)
1034(7)     D42.   In what month and year was this loan taken out?--YEAR      
1205(8)     D55.   In what month and year was the most recent such loan taken
                   out?--YEAR                                                 
2208(10)    G13.   In what month and year was the loan taken out?--YEAR       
2308(11)
2408(12)
2509(14)    G29.   In what month and year was the loan taken out?--YEAR       
2609(15)
                   (NOTE: NOT ASKED FOR LOANS 9, 13, AND 16)

                   Code YEAR (1949-1990)
                   0.  Inap. (No loan)



2714(1)     I6.    How much was borrowed or financed, not counting the
2731(2)            finance charges?                                           
2814(3)
2831(4)
2914(5)
2931(6)
1035(7)    D43.   How much was borrowed, not including finance charges?      
1206(8)    D56.   How much was borrowed, not including finance charges?      
2209(10)   G14.   How much was borrowed or financed?                         
2309(11)
2409(12)
2510(14)   G30.   How much was borrowed or financed, not counting the
2610(15)          finance charges?                                           

                   (NOTE: NOT ASKED FOR LOANS 9, 13, AND 16)

                   Code actual amount
                   0.  Inap. (No loan)



2715(1)     I7.    Is this a regular installment loan where you pay a fixed
2732(2)            dollar amount each month for a fixed number of months
2815(3)            until the loan is repaid, or some other kind?              
2832(4)
2915(5)
2932(6)
1036(7)     D44.   Is this a regular installment loan where you pay a fixed
                   dollar amount each month for a fixed number of months
                   until the loan is repaid, or some other kind?              
1207(8)     D57.   Is this a regular installment loan where you pay a fixed
                   dollar amount each month for a fixed number of months
                   until the loan is repaid, or some other kind?              
2210(10)    G15.   Is this a regular installment loan where you pay a fixed
2310(11)           dollar amount each month for a fixed number of months
2410(12)           until the loan is repaid, or some other kind?              
2511(14)    G31.   Is this a regular installment loan where you pay a fixed
2611(15)           dollar amount each month for a fixed number of months
                   until the loan is repaid, or some other kind?              

                   (NOTE: NOT ASKED FOR LOANS 9, 13, AND 16)

                   1.  REGULAR INSTALLMENT
                   2.  OTHER KIND
                   0.  Inap. (No loan)


2716(1)    I8.    How many monthly payments or years were agreed upon when
2733(2)           the loan was received?--# PAYMENTS                         
2816(3)
2833(4)
2916(5)
2933(6)
1037(7)     D45.   How many monthly payments or years were agreed upon when
                   the loan was received?--# PAYMENTS                         
1208(8)     D58.   How many monthly payments or years were agreed upon when
                   the loan was received?--# PAYMENTS                         
2211(10)    G16.   How many monthly payments or years were agreed upon when
2311(11)           the loan was received?--# PAYMENTS                         
2411(12)
2512(14)    G32.   How many monthly payments or years were agreed upon when
2612(15)           the loan was received?--# PAYMENTS                         

                   (NOTE: NOT ASKED FOR LOANS 9, 13, AND 16)

                   Code # PAYMENTS
                   -7.  Number of years reported and no regular
                        payments on loan.  Number of payments cannot
                        be computed.
                   -1.  NO SET #
                    0.  Inap. (No loan, type of loan "OTHER KIND")


2717(1)     I8.    How many monthly payments or years were agreed upon when
2734(2)            the loan was received?--# YEARS                            
2817(3)
2834(4)
2917(5)
2934(6)
1038(7)     D45.   How many monthly payments or years were agreed upon when
                   the loan was received?--# YEARS                            
1209(8)     D58.   How many monthly payments or years were agreed upon when
                   the loan was received?--# YEARS                            
2212(10)    G16.   How many monthly payments or years were agreed upon when
2312(11)           the loan was received?--# YEARS                            
2412(12)
2513(14)    G32.   How many monthly payments or years were agreed upon when
2613(15)           the loan was received?--# YEARS                            

                   (NOTE: NOT ASKED FOR LOANS 9, 13, AND 16)

                   Code # YEARS
                  -1.  NO SET #
                   0.  Inap. (No loan, type of loan "OTHER KIND")
                  -7.  Term given in number of payments and PER for
                       payment not available to compute number of years


9160(7)     R.     Term of loan in months
9161(8)
9162(10)           Code # months
9163(11)           -1. No set term
9164(12)            0. Inap. (No loan)
9165(14)
9166(15)
9167(1)
9168(2)
9169(3)
9170(4)
9171(5)
9172(6)



2718(1)     I9.    How much are the monthly payments?                         
2735(2)
2818(3)
2835(4)
2918(5)
2935(6)
1039(7)     D46.   How much are the monthly payments?
1210(8)     D59.   How much are the monthly payments?                         
1220(9)     D65.2  Altogether, how much are the monthly payments?             
2213(10)    G17.   How much are the monthly payments?                         
2313(11)
2413(12)
2425(13)    G23.4  How much are the total monthly payments on (this/these)
                   loans?                                                     
2514(14)    G33.   How much are the monthly payments?                         
2614(15)
2626(16)    G39.4  How much are the total monthly payments on (this/these)
                   loan(s)?                                                   

                   Code $ amount
                   -1.  NO REGULAR PAYMENTS; NONE
                    0.  Inap. (No loan, type of loan "OTHER KIND,"
                        "NO SET # OF PAYMENTS)

7527(1)     I9
7526(2)     
7525(3)     
7524(4)     
7523(5)     
7522(6)     
7567(7)     D46    PER
7565(8)     D59    PER
1221(9)     D65.2  PER
7537(10)    G17    PER
7536(11)
7535(12)
2426(13)    G23.4  PER
7531(14)    G33    PER                                                        
7530(15)
2627(16)    G39.4  PER
            I9     PER                                                        

                   (NOTE: NOT ASKED FOR LOANS 1-8, 10-12, AND 14-15)

                   2.  Week
                   3.  Biweekly
                   4.  Month
                   5.  Quarter
                   6.  Year
                  -7.  Other
                   0.  Inap. (No loan, type of loan "OTHER KIND,"
                       "NO SET # OF PAYMENTS)


2719(1)    I10.   What is the typical payment and how often is it made?      
2736(2)
2819(3)
2836(4)
2919(5)
2936(6)
1040(7)     D47.   What is the typical payment, and how often is it made?     
1211(8)     D60.   What is the typical payment, and how often is it made?     
2214(10)    G18.   What is the typical payment and how often is it made?      
2314(11)
2414(12)
2515(14)    G34.   What is the typical payment and how often is it made?      
2615(15)

                   (NOTE: NOT ASKED FOR LOANS 9, 13, AND 16)

                   Code $ amount
                   -1.  NO TYPICAL PAYMENT; NONE
                    0.  Inap. (No loan; loan "REGULAR INSTALLMENT;"
                        number of payments not "NO SET #" and monthly
                        payments not "NO REGULAR PAYMENTS")


2720(1)     I10.   PER                                                        
2737(2)
2820(3)
2837(4)
2920(5)
2937(6)
1041(7)     D47.   PER                                                        
1212(8)     D60.   PER                                                        
2215(10)    G18.   PER                                                        
2315(11)
2415(12)
2516(14)    G34.   PER                                                        
2616(15)

                   (NOTE: NOT ASKED FOR LOANS 9, 13, AND 16)

                   2.  Week
                   3.  Biweekly
                   4.  Month
                   5.  Quarter
                   6.  Year
                   8.  Lump sum; one payment only
                  11.  Twice per year; every 6 months
                  12.  Bimonthly
                  -1.  NO REGULAR PAYMENTS
                  -7.  Other
                   0.  Inap. (No loan; loan "REGULAR INSTALLMENT;"
                       number of payments not "NO SET #" and monthly
                       payments not "NO REGULAR PAYMENTS")



2721(1)     I11.   In what month and year do you expect this loan to be
2738(2)            repaid?--MONTH                                             
2821(3)
2838(4)
2921(5)
2938(6)
1042(7)     D48.   In what month and year do you expect this loan to be
                   repaid?--MONTH                                             
1213(8)     D61.   In what month and year do you expect this loan to be
                   repaid?--MONTH                                             
2216(10)    G19.   In what month and year do you expect this loan to be
2316(11)           repaid?--MONTH                                             
2416(12)
2517(14)    G35.   In what month and year do you expect this loan to be
2617(15)           repaid?--MONTH

                   (NOTE: NOT ASKED FOR LOANS 9, 13, AND 16)

                   Code MONTH
                   0.  Inap. (No loan; loan "REGULAR INSTALLMENT;"
                       number of payments not "NO SET #" and monthly
                       payments not "NO REGULAR PAYMENTS")


2722(1)    I11.   In what month and year do you expect this loan to be
2739(2)            repaid?--YEAR                                              
2822(3)
2839(4)
2922(5)
2939(6)
1043(7)     D48.   In what month and year do you expect this loan to be
                   repaid?--YEAR                                              
1214(8)     D61.   In what month and year do you expect this loan to be
                   repaid?--YEAR                                              
2217(10)    G19.   In what month and year do you expect this loan to be
2317(11)           repaid?--YEAR                                              
2417(12)
2518(14)    G35.   In what month and year do you expect this loan to be
2618(15)           repaid?--YEAR                                              

                   (NOTE: NOT ASKED FOR LOANS 9, 13, AND 16)

                   Code YEAR
                   -1.  NEVER; won't ever be repaid
                    0.  Inap. (No loan; loan "REGULAR INSTALLMENT;"
                        number of payments not "NO SET #" and monthly
                        payments not "NO REGULAR PAYMENTS")


2723(1)     I12.   How much is still owed on this loan?                       
2740(2)
2823(3)
2840(4)
2923(5)
2940(6)
1044(7)     D49.   How much is still owed on this loan?                       
1215(8)     D62.   How much is still owed on this loan?                       
1219(9)     D65.1  Altogether, how much is still owed on other loans for
                   additions or improvements?                                 
2218(10)    G20.   How much is still owed on this loan?                       
2318(11)
2418(12)
2424(13)    G23.3  Altogether, about how much is still owed on (this/these)
,                   loan(s)?  (ACCEPT RANGE.)                                  
2519(14)    G36.   How much is still owed on this loan?                       
2619(15)
2625(16)    G39.3  Altogether, about how much is still owed on (this/these)
                   loan(s)?                                                   

                   (ASKED DIRECTLY FOR CASES WITH "OTHER KIND" OF LOAN,
                   FOR CASES WITH NO SET # OF PAYMENTS, AND FOR CASES
                   WITH NO REGULAR MONTHLY PAYMENTS; COMPUTED FOR ALL
                   OTHER CASED USING TERMS OF LOAN)

                   Code actual amount
                   0.  Inap. (No loan)


2724(1)     I13.   What is the current annual rate of interest being charged
2741(2)            on this loan?                                              
2824(3)
2841(4)
2924(5)
2941(6)
1045(7)     D50.   What is the current annual rate of interest being charged
                   on this loan?                                              
1216(8)     D63.   What is the current annual rate of interest being charged
                   on this loan?                                              
2219(10)    G21.   What is the current annual rate of interest being charged
2319(11)           on this loan?                                              
2419(12)
2520(14)    G37.   What is the current annual rate of interest being charged
2620(15)           on this loan?                                              

                   (NOTE: NOT ASKED FOR LOANS 9, 13, AND 16)

                   Code % to 2 decimal places
                   -1.  Zero; no interest
                    0.  Inap. (No loan)



7521(1)    I12.1  Is this loan being paid off ahead of schedule,
7520(2)           behind schedule or are the payments about on schedule?
7519(3)
7518(4)
7517(5)
7516(6)

7566(7)    D49.1  Are you paying off this loan ahead of schedule,
                  behind schedule or are the payments about on schedule?
7564(8)    D62.1  Are you paying off this loan ahead of schedule,
                  behind schedule or are the payments about on schedule?
7534(10)   G20.1  Is this loan being paid off ahead of schedule,
7533(11)          behind schedule or are the payments about on schedule?
7532(12)
7529(14)   G36.1  Is this loan being paid off ahead of schedule,
7528(15)          behind schedule or are the payments about on schedule?




                    1.  On schedule
                    2.  Ahead of schedule
                    3.  Behind schedule
                    0.  Inap. (No loan)



2725(1)    I14.   (Please look at the Institutions Card.) Is this loan
                   with any of the institutions on the Institutions Card,
2742(2)            or from someplace else?
2825(3)            (IF the Institutions Card: Which institution?)
2842(4)            (IF SOMEPLACE ELSE: What type of institution is that?)     
2925(5)
2942(6)
1046(7)     D51.   Please look at the Institutions Card.  Is the loan
                   with any of the institutions on the Institutions
                    Card, or from someplace else?
                   (IF the Institutions Card: Which institution?)
                   (IF SOMEPLACE ELSE: What type of institution is that?)     
1217(8)     D64.   (Please look at the Institutions Card.)  Is the
                   loan with any of the institutions on the
                   Institutions Card, or from someplace else?  
                   (IF the Institutions Card: Which institution?)
                   (IF SOMEPLACE ELSE:  What type of institution is that?)    
2220(10)    G22.   (Please look at the Institutions Card.) Is the loan
                   with any of the institutions on the Institutions Card,
2320(11)           or from someplace else?
2420(12)           (IF the Institutions Card: Which institution?)
                   (IF SOMEPLACE ELSE: What type of institution is that?)     
2521(14)   G38.    (Please look at the Institutions Card.) Is the loan
                   with any of the institutions on the Institutions Card,
2621(15)           or from someplace else?
                   (IF the Institutions Card: Which institution?)
                   (IF SOMEPLACE ELSE: What type of institution is that?)     

                   (NOTE: NOT ASKED FOR LOANS 9, 13, AND 16)

                   See FINANCIAL INSTITUTIONS master reference list
                   0.   Inap. (No loan)


9107(1)     R:     Type of institution
9108(2)
9109(3)
9110(4)
9111(5)
9112(6)
9086(7)     R:     Type of institution
9090(8)     R:     Type of institution
9102 (10)   R:     Type of institution
9103 (11)
9104 (12)
9105 (14)   R:     Type of institution
9106 (15)

                   (NOTE: NOT AVAILABLE FOR LOANS 9, 13, AND 16)

                   See FINANCIAL INSTITUTIONS master reference list
                   0.   Inap. (No loan)





-----------------------------------------------------------------------------
FINANCIAL AND OTHER ASSETS, MISC.
-----------------------------------------------------------------------------

3501        N1.    Now I'd like to ask about different types of assets that
                   you might have.  First, do you (or anyone in your family
                   living here) have any checking accounts?                   
            

                   1.  YES
                   5.  NO


3502        N2.    Have you (or anyone in your family living here) ever had a
                   checking account?                                          

                   1.  YES
                   5.  NO
                   0.  Inap. (R has checking account)


3503       N2.1    (SHOW CARD 12)  Looking at this list, please tell
                   me which is the most important   reason (you
                   don't/your family doesn't) have a checking account.

                    1.  DON'T WRITE ENOUGH CHECKS TO MAKE IT WORTHWHILE
                    2.  MINIMUM BALANCE IS TOO HIGH
                    3.  DO NOT LIKE DEALING WITH BANKS
                    4.  SERVICE CHARGES ARE TOO HIGH
                    5.  NO BANK HAS CONVENIENT HOURS OR LOCATION
                   20.  Don't need/want an account
                   21.  Credit problems; bankruptcy
                   95.  Don't have (enough) money
                   96.  Can't manage/balance a checking account
                   -7.  OTHER
                    0.  Inap. (R has checking account)


3504        N3.    (Not using the booklet.)  How many checking accounts do
                   you (and your family living here) have?
                   (IF R ASKS: INCLUDE MONEY MARKET ACCOUNTS ONLY IF
                   THEY ARE USED AS CHECKING ACCOUNTS)

                   Code # ACCOUNTS
                   0.  Inap. (No checking accounts)
 

3505(#1)   N4.    (Please look at the Institutions Card.) (Thinking
3509(#2)           about your main checking account, the one
3513(#3)           used to write most of your checks, / About the next
3517(#4)           account) is this account with any
3521(#5)           of the institutions on the Institutions Card,
3525(#6)           or from someplace else?
                   (IF the Institutions Card: Which institution?)          
                   (IF SOMEPLACE ELSE:  What type of institution is that?)    
                   (INTERVIEWER: CHECK THE INSTITUTIONS CARD AND
                   UPDATE IF A NEW INSTITUTION IS MENTIONED.)

                   See FINANCIAL INSTITUTIONS master reference list
                   0.  Inap. (No checking accounts, no further
                       checking accounts)


9113 (1)   R:     Type of institution
9114 (2)
9115 (3)
9116 (4)
9117 (5)
9118 (6)
                   See FINANCIAL INSTITUTIONS master reference list
                    0.   Inap. (No checking accounts, no further
                         checking accounts)


3506(#1)   N5.    How much is in this account?  (What was the average over
3510(#2)           the last month?)                                           
3514(#3)
3518(#4)           Code actual amount
3522(#5)           -1.  Nothing; zero
3526(#6)            0.  Inap. (No checking accounts, no further
                        checking accounts)




3507(#1)    N6.    Is this a money market-type account?                       
3511(#2)
3515(#3)           1.  YES
3519(#4)           5.  NO
3523(#5)           0.  Inap. (No checking accounts, no further
3527(#6)               checking accounts)



7600(#1)   N6.1   INTERVIEWER CHECKPOINT: IS R MARRIED OR LIVING
7602(#2)          WITH A PARTNER?
7604(#3)
7606(#4)          1.  YES
7608(#5)          5.  NO
7610(#6)          0.  Inap. (No checking accounts, no further
                       checking accounts)


7601(#1)   N6.2   Is this a joint account with your
7603(#2)          husband/wife/partner, is the account in your name,
7605(#3)          your (husband's/wife's/partner's) name, or something
7607(#4)          else?
7609(#5)
7611(#6)          1.  JOINT ACCOUNT   
                  2.  RESPONDENT'S ACCOUNT
                  3.  SPOUSE'S ACCOUNT
                  4.  Other family member's account
                  5.  CHILD ONLY    
                  6.  CHILD AND RESPONDENT'S/SPOUSE
                  7.  OTHER RELATIVE
                  8.  OTHER RELATIVE WITH RESPONDENT OR SPOUSE
                  9.  UNRELATED PERSON, NFS  
                 10.  UNRELATED PERSON WITH RESPONDENT OR SPOUSE
                 50.  Trust account
                 51.  Personal business account
                 -7.  OTHER
                  0.  Inap. (No checking accounts, no further
                       checking accounts, not married/living with partner)


3508       N7     INTERVIEWER: Is there another account?
3512
3516              
3520              1.  YES
3524              5.  NO
3528              0.  Inap. (No checking accounts, no further
                       checking accounts)



3529       N8.    How much is in all your (family's) remaining checking
                   accounts? (What was the average over the last month?)      

                   Code actual amount
                   0.  Inap. (No checking accounts, no further
                       checking accounts)


3530        N9.    (SHOW CARD 13)  Which of the reasons on this card is the most
                   important reason (you/your family living here) chose the
                   institution that you did for your main checking account? 
                   Was it because of the location of their offices, because
                   they had the lowest fees or minimum balance requirement,
                   because you were able to obtain many services at one
                   place, because they offered safety and an absence of risk,
                   or some other reason?                                     

                    1.   Recommended; reputation
                    2.   Low interest rate on loans
                    3.   LOCATION OF OFFICES
                    4.   Other business done here
                    5.   Easy to qualify (for credit); only place that would
                         give us a loan
                    6.   MANY SERVICES IN ONE PLACE
                    7.   LOW FEES or service charges; they pay interest on
                         account(s); best interest on accounts
                    8.   SAFETY 
                    9.   Other convenience mentions: payroll deduction
                         feature; "convenience"--NFS; best service
                   11.   Personal relationship; they know me; know/like them;
                         R/Spouse works there; friendly
                   12.   Spouse opened the account
                   13.   Bank bought by another institution
                   14.   Always done business there; banked there a
                         long time
                   23.   Advertisement
                   24.   Convenient hours
                   25.   No particular reason
                   26.   No other institutions
                   27.   Gift for opening account; other promotion
                   -7.   OTHER
                    0.   Inap. (No checking accounts)


3531        N9.1   For how many years (have you/has someone in your
                   family living here) done business with this
                   institution? 

                   Code YEARS
                   -1.  LESS THAN ONE YEAR
                    0.  Inap. (No checking accounts)


3601        N10.   Do you (or anyone in your family here) have any Individual
                   Retirement Accounts, that is, IRA or Keogh accounts?       

                   1.  YES
                   5.  NO


#1: Respondent
#2: Spouse
#3: Other family members

            N10.1   Who has IRA or Keogh accounts?
3602        N10.1   RESPONDENT                                                 
3612        N10.1   SPOUSE ACCOUNTS                                            
3622        N10.1   OTHER PERSONS                                              

                   1.  YES
                   5.  NO (or: no spouse or partner in PEU: X107^=1/no other
                       PEU members: (X113, X125, X131, X137, X207, X213,
                       X219, X225)^=1)
                   0.  Inap. (No IRA/Keogh accounts: X3601^=1)


3603        N11.   How many IRA and Keogh accounts [do you/does (PERSON)] have?
3613
3623
                   Code # ACCTS
                   0.  Inap. (No IRA or Keogh accounts, PERSON has no
                       IRA or Keogh accounts)



            N12.   About (PERSON'S) accounts (are these/is this an) IRA or
                   Keogh account(s)? (CHECK ALL THAT APPLY.)
3604        N12.1  IRA                                                  
3614
3624
                   1.  Checked (IRA)
                   5.  Not checked
                   0.  Inap. (No IRA or Keogh accounts, PERSON has no
                       IRA or Keogh accounts)


3605        N12.2  KEOGH
3615
3625
                   1.  Checked
                   5.  Not checked
                   0.  Inap. (No IRA or Keogh accounts, PERSON has no
                       IRA or Keogh accounts)


3606 (#1a) N13.   (Please look at the Institutions Card.) (Is this/Are
3607 (#1b)         they) with any of the institutions on the
3608 (#1c)         Institutions Card, or from someplace else?
3609 (#1d)         (CODE ALL THAT APPLY.) 
7501 (#1e)         (IF the Institutions Card: Which institution(s)?)
3616 (#2a)         (IF SOMEPLACE ELSE: What type(s) of institution(s)?
3617 (#2b)         (INTERVIEWER: UPDATE CARD IF NEW INSTITUTION MENTIONED.)
3618 (#2c)         See FINANCIAL INSTITUTIONS master reference list
3619 (#2d)
7502 (#2e)         0.  Inap. (No IRA or Keogh accounts, PERSON has no
3626 (#3a)             IRA or Keogh accounts)
3627 (#3b)
3628 (#3c)
3629 (#3d)
7503 (#3e)


9119 (#1a) R:     Type of institution
9120 (#1b)
9121 (#1c)
9122 (#1d)
9209 (#1e)
9123 (#2a)
9124 (#2b)
9125 (#2c)
9126 (#2d)
9210 (#2e)
9127 (#3a)
9128 (#3b)
9129 (#3c)
9130 (#3d)
9211 (#3e)
                   See FINANCIAL INSTITUTIONS master reference list
                    0.   Inap. (No IRA or Keogh accounts, PERSON has no
                         IRA or Keogh accounts)


3610       N14.   How much in total is in (PERSON'S) account(s)?
3620
3630
                   Code actual amount
                   0.  Inap. (No IRA or Keogh accounts, PERSON has no
                       IRA or Keogh accounts)


3611       N14.1  INTERVIEWER: IS THERE ANOTHER HOUSEHOLD MEMBER WITH
3621              AN ACCOUNT?


                   0.  Inap. (No IRA or Keogh accounts, PERSON has no
                       IRA or Keogh accounts)


3631       N15.   How is the money in (this/all of your [family's]) IRA and
                   Keogh account(s) invested?  Is most of it in CDs or other
                   bank accounts, most of it in stocks, most of it in bonds
                   or similar assets, or what?                                

                   1.  CD'S/BANK ACCOUNTS; "money market"
                   2.  STOCK; "mutual funds"
                   3.  BONDS/SIMILAR ASSETS; T-bills; Treasury notes
                   4.  Combination of 1, 2, and 3; "mixed"/"diversified"--NFS
                   5.  Combination of 2 & 3 above
                   6.  Combination of 1 & 2 above
                   7.  Life insurance; annuities
                   8.  Real estate; other investments
                  -7.  OTHER (incl. combinations exc. 5 & 6 above)
                   0.  Inap. (No IRA or Keogh accounts)


3701        N16.   Not including any accounts I have already recorded, do you
                   (or anyone in your family here) have any money market
                   accounts?                                                  

                   1.  YES
                   5.  NO


3702        N16.1  Altogether, how many money market accounts do you (and
                   your family living here) have?                             

                   Code # OF MONEY MARKET ACCOUNTS
                   0.  Inap. (No money market accounts)


3703(#1)   N17.   Does the (largest/next) account have check-writing
3708(#2)           privileges?                                                
3713(#3)
                   1.  YES
                   5.  NO
                   0.  Inap. (No money market accounts, no further
                       money market accounts)


3704(#1)    N18.   Is this a tax-free money market account?                   
3709(#2)
3714(#3)           1.  YES
                   5.  NO
                   0.  Inap. (No money market accounts, no further
                       money market accounts)


3705(#1)   N19.   (Please look at the Institutions Card.) Is this
3710(#2)           account with any of the institutions on the
3715(#3)           Institutions Card, or from someplace else?
                   (IF the Institutions Card: Which institution?)
                   (IF SOMEPLACE ELSE:  What type of institution is that?)    
                   (INTERVIWER: CHECK INSTITUTIONS CARD AND UPDATE IF
                   A NEW INSTITUTION IS MENTIONED.)

                   See FINANCIAL INSTITUTIONS master reference list
                   0.  Inap. (No money market accounts, no further
                       money market accounts)


9131 (1)   R:     Type of institution
9132 (2)
9133 (3)
                   See FINANCIAL INSTITUTIONS master reference list
                    0.   Inap. (No money market accounts, no further
                         money market accounts)


3706(#1)   N20.   How much is in this account?                               
3711(#2)
3716(#3)           Code actual amount
                   -1.  Zero; none now
                    0.  Inap. (No money market accounts, no further
                        money market accounts)


7612(#1)   N20.1  CHECKPOINT: Look at the HHL (page HHL-1). Is R
7614(#2)          married or living with a partner?
7616(#3)
                   1.  YES
                   5.  NO
                   0.  Inap. (No money market accounts, no further
                       money market accounts)


7613(#1)   N20.2  Is this a joint account with your
7615(#2)          (husband/wife/partner), is the account in your name, your
7617(#3)          (husband's/wife's/partner's) name, or something else?


                  1.  JOINT ACCOUNT   
                  2.  RESPONDENT'S ACCOUNT
                  3.  SPOUSE'S ACCOUNT
                  5.  CHILD ONLY    
                  6.  CHILD AND RESPONDENT'S/SPOUSE
                  7.  OTHER RELATIVE
                  8.  OTHER RELATIVE WITH RESPONDENT OR SPOUSE
                  9.  UNRELATED PERSON, NFS  
                 10.  UNRELATED PERSON WITH RESPONDENT OR SPOUSE
                 50.  Trust account
                 -7.  OTHER
                  0.  Inap. (No money market accounts, no further
                       money market accounts, not married/living with partner)

3707(#1)   N21    INTERVIEWER: Is there another account?
3712(#2)
3717(#3)           1.  YES
                   5.  NO
                   0.  Inap. (No money market accounts, no further
                       money market accounts)



3718        N21.1  How much is in all your (family's) remaining money market
                   accounts?                                                  

                   Code actual amount
                   0.  Inap. (No money market accounts, no further
                       money market accounts)


3719       N22.   Do you (or anyone in your family here) have any CDs or
                   certificates of deposit at financial institutions?  (IF
                   YES, SAY:  Please do not include CDs that are part of
                   IRAs or Keoghs.)  
                   (IF R ASKS:  CDs ARE CERTIFICATES HELD FOR A SET PERIOD
                   OF TIME THAT MUST BE CASHED OR RENEWED AT THE MATURITY
                   DATE.)                                                     

                   1.  YES
                   5.  NO


3720        N22.1  Altogether, how many such CDs do you (and your family
                   living here) have?                                         

                   Code # CERTIFICATES
                   0.  Inap. (No CDs)
                   For the public use tape, the number of CD's
                   is top-coded at 150.


3721        N22.2  What is the total dollar value of (this/all these) CDs?   

                   Code actual amount
                   0.  Inap. (No CDs)


3722       N22.3  (Please look at the Institutions Card.) (Is this/Are
3723               these) CDs with any of the institutions on the
3724               Institutions Card, or from someplace else?
3725               (CHECK ALL THAT APPLY)
7618               (IF the Institutions Card: Which institution?)
                   (IF SOMEPLACE ELSE:  What type of institution is
                   that?) (INTERVIWER: CHECK INSTITUTIONS CARD AND
                   UPDATE IF A NEW INSTITUTION IS MENTIONED.)

                   See FINANCIAL INSTITUTIONS master reference list
                   0.  Inap. (No CDs, no further institutions)


9134 (1)   R:     Type of institution
9135 (2)
9136 (3)
9137 (4)
9214 (5)            See FINANCIAL INSTITUTIONS master reference list
                    0.   Inap. (No CDs, no further institutions)



7619        N22.4  CHECKPOINT: Check the HHL (page HHL-1). Is R
                   married or living with a partner?

                   1.  YES
                   5.  NO
                   0.  Inap. (No CDs)




7620        N22.5  Is (the money in this CD/most of the money in these
                   CDs) held jointly with your (husband/wife/partner),
                   is (it/most of it) in your name, your
                   (husband's/wife's/partner's) name, or something else? 

                  1.  JOINT ACCOUNT   
                  2.  RESPONDENT'S ACCOUNT
                  3.  SPOUSE'S ACCOUNT
                  5.  CHILD ONLY    
                  6.  CHILD AND RESPONDENT'S/SPOUSE
                  7.  OTHER RELATIVE
                  8.  OTHER RELATIVE WITH RESPONDENT OR SPOUSE
                  9.  UNRELATED PERSON, NFS  
                 10.  UNRELATED PERSON WITH RESPONDENT OR SPOUSE
                 11.  R and Spouse have equal holdings in separate
                      accounts
                 12.  Other arrangements between R and Spouse
                 50.  Trust account
                 -7.  OTHER
                  0.  Inap. (No CDs)

3801        N23.   Do you (or anyone in your family living here) have any
                   (other) accounts at banks, savings and loan associations,
                   or credit unions?  These could be passbook
                   accounts, share accounts, Christmas Club accounts,
                   or any other type of savings account.

                   1.  YES
                   5.  NO


3802        N23.1  Altogether, how many such accounts do you (and your family
                   living here) have?                                         

                   Code # ACCOUNTS
                   0.  Inap. (No savings accounts)


3803(#1)   N24.   (Please look at the Institutions Card.) Is the
3806(#2)          (next) largest account with any of the
3809(#3)           institutions on the Institutions Card, or
3812(#4)           from someplace else?
3815(#5)           (IF the Institutions Card: Which institution?)
                   (IF SOMEPLACE ELSE:  What type of institution is that?)    
                   (INTERVIWER: CHECK INSTITUTIONS CARD AND UPDATE IF
                   A NEW INSTITUTION IS MENTIONED.)

                   See FINANCIAL INSTITUTIONS master reference list
                   0.  Inap. (No savings accounts, no further savings
                       accounts)


9138 (#1)  R:      Type of institution
9139 (#2)
9140 (#3)
9141 (#4)
9142 (#5)
                   See FINANCIAL INSTITUTIONS master reference list
                   0.  Inap. (No savings accounts, no further savings
                       accounts)


3804(#1)   N25.    How much is in this account?                               
3807(#2)
3810(#3)           Code actual amount
3813(#4)
3816(#5)
                  -1.  Nothing; zero
                   0.  Inap. (No savings accounts, no further savings
                        accounts)




7621(#1)    N25.1  CHECKPOINT: Check the HHL (page HHL-1). Is R
7623(#2)           married or living with a partner?
7625(#3)
7627(#4)
7629(#5)           1.  YES
                   5.  NO
                   0.  Inap. (No savings accounts, no further savings
                        accounts)




7622(#1)    N25.2  Is this a joint account with your
7624(#2)           (husband/wife/partner), is the account in your
7626(#3)           name, your (husband's/wife's/partner's) name,
7628(#4)           or something else?
7630(#5)
                  1.  JOINT ACCOUNT   
                  2.  RESPONDENT'S ACCOUNT
                  3.  SPOUSE'S ACCOUNT
                  4.  Other family member's account
                  5.  CHILD ONLY    
                  6.  CHILD AND RESPONDENT'S/SPOUSE
                  7.  OTHER RELATIVE
                  8.  OTHER RELATIVE WITH RESPONDENT OR SPOUSE
                  9.  UNRELATED PERSON, NFS  
                 10.  UNRELATED PERSON WITH RESPONDENT OR SPOUSE
                 -7.  OTHER
                  0.  Inap. (No savings accounts, no further savings
                      accounts, not married/living with partner)


3805(#1)   N26    INTERVIEWER: Is there another account?
3808(#2)
3811(#3)
3814(#4)           1.  YES
3817(#5)           5.  NO
                   0.  Inap. (No savings accounts, no further savings
                        accounts)



                   0.  Inap. (No savings accounts, no further savings
                        accounts)

3818        N26.1  How much is in all your (family's) remaining such
                   accounts?                                                  

                   Code actual amount
                   -1.  Nothing; zero
                    0.  Inap. (No savings accounts, no further savings
                        accounts)


3819        N27.   Do you (or anyone in your family here) have any
                   shares in mutual funds? (IF YES, SAY: Please do not 
                   include any  pension-type, thrift-saving, 401-K, or
                   IRA/Keogh plans, or accounts I have already
                   recorded.)

                   1.  YES
                   5.  NO


3820        N27.1  In how many different mutual funds (do you/does your
                   family) own shares? (INTERVIEWER: WE WANT THE
                   NUMBER OF FUNDS, NOT THE NUMBER OF FUND MANAGEMENT
                   COMPANIES.)
 
                   Code # MUTUAL FUNDS
                   0.  Inap. (No mutual funds)


            N28    I need to know what type(s) of mutual fund(s) (this
                   is/these are)?  (Is it/Are any of them)...
3821        N28.1  Stock Funds                                                
3823        N28.2  (Are any of them) Tax-Free Bond Funds                      
3825        N28.3  (Are any of them) Government or Government backed
                   Bond Funds 
3827        N28.4  (Are any of them) other Bond Funds                         
3829        N28.5  Combination funds or any other mutual funds (INCLUDE 
                   "DK TYPE" HERE)

                   1.  YES
                   5.  NO
                   0.  Inap. (No mutual funds)


            N29   What is the total market value of all of the (TYPE)
                  that you (and your family living here) have?

3822        N29.1  Stock Funds                                                
3824        N29.2  (Are any of them) Tax-Free Bond Funds                      
3826        N29.3  (Are any of them) Government or Government backed
                   Bond Funds 
3828        N29.4  (Are any of them) other Bond Funds                         
3830        N29.5  Combination funds or any other mutual funds (INCLUDE 
                   "DK TYPE" HERE)


                   Code actual amount
                   0.  Inap. (No mutual funds, no TYPE mutual funds)


3831        N30.   Overall has there been a gain or loss in the value
                   of all these mutual fund shares since you (or
                   someone in your family here) obtained them?

                   1.  GAIN
                   3.  NEITHER GAIN NOR LOSS
                   5.  LOSS
                   0.  Inap. (No mutual funds)


3832        N30.1  How much have they gained in value since they were
                   obtained?--PERCENT                                         

                   Code PERCENT to 2 decimal places
                   -2.  Virtually all
                    0.  Inap. (No mutual funds, loss or no change in
                        value of mutual funds)


3833        N30.1  How much have they gained in value since they were
                   obtained?--AMOUNT                                          

                   Code actual amount
                   -2.  Virtually all
                    0.  Inap. (No mutual funds, loss or no change in
                        value of mutual funds)


3834        N30.2  How much have they lost in value since they were
                   obtained?--PERCENT                                         

                   Code PERCENT to 2 decimal places
                   -2.  Virtually all
                    0.  Inap. (No mutual funds, gain or no change in
                        value of mutual funds)


3835        N30.2  How much have they lost in value since they were
                   obtained?--AMOUNT                                          

                   Code actual amount
                   -2.  Virtually all
                    0.  Inap. (No mutual funds, gain or no change in
                        value of mutual funds)


3901        N31.   Do you (or anyone in your family here) have any U.S.
                   government savings bonds?
                   (THESE MAY BE CALLED SERIES EE OR HH.  THEY CAN BE
                   PURCHASED BY PAYROLL DEDUCTION.)                           

                   1.  YES
                   5.  NO


3902        N31.1  What is the total face value of all the savings bonds that
                   you (and your family) have?                                

                   Code actual amount
                   0.  Inap. (No savings bonds)


3903       N32.   Do you (or anyone here) have any other corporate,
                   municipal, government, or other type of bonds or bills? 
                   (IF YES, SAY: Please do not include any bonds or bills
                   held in pension accounts or trusts, or in accounts I have
                   already recorded.)                                         

                   1.  YES
                   5.  NO


3904        N32.1  How many different bonds or bills do you (or your family)
                   own?                                                       

                   Code # BONDS OR BILLS
                   0.  Inap. (No bonds or bills)
                   For the public use tape, the number of bonds is
                   is top-coded at 150.


           N33.    I need to know what type(s) of bond(s) or bill(s)
                   (this is/these are)?  (Is it/Are any of them)...

3905        N33.1  Mortgage-backed bonds such as those from "Ginnie-Mae",
                   "Fannie-Mae" or "Freddie-Mac"                              
3907        N33.2  U.S. Government bonds or Treasury bills                    
3909        N33.3  State or municipal bonds, or other taxfree bonds           
7631        N33.4  Foreign bonds
7632        N33.5  Corporate or any other type of bonds
                   (INCLUDE "DK TYPE" HERE)                                   

                   1.  YES
                   5.  NO
                   0.  Inap. (No bonds or bills)




            N34    What is the total face value of all of the (TYPE) that you
                   (and your family living here) have?                        
    
3906        N34.1  Mortgage-backed bonds such as those from "Ginnie-Mae",
                   "Fannie-Mae" or "Freddie-Mac"                              
3908        N34.2  U.S. Government bonds or Treasury bills                    
3910        N34.3  State or municipal bonds, or other taxfree bonds           
7633        N34.4  Foreign bonds
7634        N34.5  Corporate or any other type of bonds
                   (INCLUDE "DK TYPE" HERE)                                   

               Code actual amount
                   0.  Inap. (No bonds or bills, no TYPE bonds or bills)




            N34.6   What is the total market value of all of the 
                    (TYPE) that you (and your family living here) have?    
     


7635        N34.7  Mortgage-backed bonds such as those from "Ginnie-Mae",
                   "Fannie-Mae" or "Freddie-Mac"
7636        N34.8  U.S. Government bonds or Treasury bills                    
7637        N34.9  State or municipal bonds, or other taxfree bonds           
7638        N34.10 Foreign bonds
7639        N34.11 Corporate or any other type of bonds
                   (INCLUDE "DK TYPE" HERE)                                   

               Code actual amount
                   0.  Inap. (No bonds or bills, no TYPE bonds or bills)




3913        N35.   Do you (or anyone in your family living here) own any
                   publicly traded stock?  (IF YES, SAY: Please do not
                   include any stock held through mutual funds, pension
                   accounts or trusts, or in accounts or businesses that I
                   have already recorded.)                                    

                   1.  YES
                   5.  NO


3914       N36.   In how many different companies do you (or your family
                   living here) own stock?                                    

                   Code # COMPANIES
                   0.  Inap. (No publicly traded stock)
                   For the public use tape, the number of companies
                   is top-coded at 150.


3915        N37.   What is the total market value of this stock?              

                   Code actual amount
                   0.  Inap. (No publicly traded stock)


3916        N38.   Overall has there been a gain or loss in the value
                   of this stock since you (or someone in your family
                   here) obtained it?

                   1.  GAIN
                   3.  NEITHER GAIN NOR LOSS
                   5.  LOSS
                   0.  Inap. (No publicly traded stock)


3917       N38.1  How much has it gained in value since it was obtained?
                   --PERCENT                                                  

                   Code PERCENT to 2 decimal places
                   -2.  Virtually all
                    0.  Inap. (No publicly traded stock, loss or no
                        change in value of publicly traded stock)


3918        N38.1  How much has it gained in value since it was obtained?
                   --AMOUNT                                                   

                   Code actual amount
                   -2.  Virtually all
                    0.  Inap. (No publicly traded stock, loss or no
                        change in value of publicly traded stock)


3919        N38.2  How much has it lost in value since it was obtained?
                   --PERCENT                                                  

                   Code PERCENT to 2 decimal places
                    0.  Inap. (No publicly traded stock, gain or no
                        change in value of publicly traded stock)


3920       N38.2  How much has it lost in value since it was obtained?
                   --AMOUNT                                                   

                   Code actual amount
                   -2.  Virtually all
                    0.  Inap. (No publicly traded stock, gain or no
                        change in value of publicly traded stock)


3921        N39.   Of your (family's) stock, is any of it stock in a company
                   where you (or anyone in your family living here)
                   work or have worked?

                   1.  YES
                   5.  NO
                   0.  Inap. (No publicly traded stock)


3922        N39.1  What is the total market value of this stock in the
                   company?                                                   

                   Code actual amount
                   0.  Inap. (No publicly traded stock, no publicly
                       traded stock in company where work)
                 

7640        N39.2  Of your family's stock, is any of it stock in a
                   company headquartered outside of the United States?


                   1.  YES
                   4.  Yes, but included with company stock
                   5.  NO
                   0.  Inap. (No publicly traded stock, no publicly
                       traded stock in company where work)


7641        N39.3  What is the total market value in dollars of this
                   stock?


                   Code actual amount
                   0.  Inap. (No publicly traded stock, no publicly
                       traded stock in company where work, company not
                       headquartered outside of U.S.)
                                                              
 
3923        N40.   Do you (or anyone in your family here) have a brokerage
                   account for the purchase or sale of stocks and other
                   securities?                                                

                   1.  YES
                   5.  NO
                   0.  Inap. (No publicly traded stock)


3924 (1)    N40.1  (Please look at the Institutions Card.)  (Is
3925 (2)           this/Are these) accounts with any of the
3926 (3)           institutions on the Institutions Card, or from someplace
3927 (4)           else?  (CHECK ALL THAT APPLY.) 
7642 (5)           (IF the Institutions Card: Which institution(s)?)
                   (IF SOMEPLACE ELSE:  What type(s) of institution(s)?)      
                   (INTERVIWER: CHECK INSTITUTIONS CARD AND UPDATE IF
                   A NEW INSTITUTION IS MENTIONED.)

                   See FINANCIAL INSTITUTIONS master reference list
                   0.  Inap. (No publicly traded stock, no brokerage account,
                       no further institutions)


9143 (1)   R:      Type of institution
9144 (2)
9145 (3)
9146 (4)
9212 (5)               See FINANCIAL INSTITUTIONS master reference list
                   0.  Inap. (No publicly traded stock, no brokerage account,
                       no further institutions)


3928       N40.2  Over the past year, about how many times did you (or
                   anyone in your family living here) buy or sell stocks or
                   other securities through a broker?  (ACCEPT RANGE.)        

                   Code # TIMES
                   -1.  NONE
                    0.  Inap. (No publicly traded stock, no brokerage
                        account) 
                   For the public use tape, the number of time the R
                   traded stock is top-coded at 300.


3929        N40.3  Not including any accounts you've told me about, do you
                   (or anyone in your family living here) have a "cash" or
                   "call money" account at a stock brokerage? 
                   (IF R ASKS: CASH OR CALL MONEY ACCOUNTS HOLD MONEY
                   RECEIVED FROM THE SALE OF STOCK UNTIL THE MONEY IS
                   REINVESTED.)                                               

                   1.  YES
                   5.  NO
                   0.  Inap. (No publicly traded stock, no brokerage account)


3930       N40.4  What is the total dollar value of all the cash or call
                   money accounts that you (and your family living here)
                   have?                                                      

                   Code actual amount
                   -1.  Zero; nothing now
                    0.  Inap. (No publicly traded stock, no brokerage account,
                        no call account)


3931        N40.5  Other than loans you have already told me about, do you
                   (or anyone in your family living here) have any margin
                   loans at a stock brokerage?                                

                   1.  YES
                   5.  NO
                   0.  Inap. (No publicly traded stock, no brokerage account)


3932        N40.6  Altogether, what is the current balance on these
                   margin loans?         

                   Code actual amount
                   0.  Inap. (No publicly traded stock, no brokerage account,
                       no margin loans)


3933        N41.   Do you (or anyone in your family here) receive income from
                   or have assets in a trust, annuity, or managed investment
                   account that you have not already told me about?  (IF YES,
                   SAY:  Please do not include pension-type accounts, or any
                   assets that I have already recorded.)                      

                   1.  YES
                   5.  NO


            N42.   What are these; are they legal trusts, annuities, or
                   managed investment accounts?  (CHECK ALL THAT APPLY)
3934        N42.1  LEGAL TRUSTS                                               
3935        N42.2  ANNUITIES
3936        N42.3  MANAGED INVESTMENT ACCOUNTS; other non-pension
                   retirement account
3937        N42.4  OTHER:                                                     

                   1.  Checked                              
                   5.  Not checked
                   0.  Inap. (No trusts, annuities, or managed
                       investment accounts)


3938        N43.   Are any of these set up so that you (or your family living
                   here) are legally entitled only to the income and do not
                   have an equity interest?                                   

                   1.  YES
                   5.  NO
                   0.  Inap. (No trusts, annuities, or managed
                       investment accounts)


3939        N43.1  How much income did (you/your family living here) receive
                   from these income-only trusts, annuities, or accounts in
                   1991?                                                      

                   Code actual amount
                   -1.  ZERO; none yet
                    0.  Inap. (No trusts, annuities, or managed
                       investment accounts; no income-only accounts)


3940        N43.2  Do you (or your family living here) also have annuities,
                   trusts, or managed investment accounts in which you (or
                   your family) have an equity interest?                      

                   1.  YES
                   5.  NO
                   0.  Inap. (No trusts, annuities, or managed
                       investment accounts; no income-only accounts)


3941        N43.3  What is the total dollar amount of your (family's)
                   interest in these accounts? (Asked if R has
                   income-only accounts)           

                   Code actual amount
                    0.  Inap. (No trusts, annuities, or managed
                       investment accounts; no equity interset in such
                       accounts)

3942        N44.   What is the total dollar value of your (family's) interest
                   in all annuities, trusts, or managed investment accounts?  
                   (Asked if R does not have income-only accounts)

                   Code actual amount
                   0.  Inap. (No trusts, annuities, or managed
                       investment accounts; no equity interest in such
                       accounts)


3943       N45.   Who manages your (family's) trusts, annuities, or
3944               investment accounts,--is it  any of the institutions on
3945               the Institutions Card, or are they managed by someone else? 
3946               (CHECK ALL THAT APPLY.)
7643               (IF the Institutions Card: Which institution(s)?)
                   (IF SOMEPLACE ELSE:  What type of institution(s) or who
                   manages them?)                                             
                   (INTERVIWER: CHECK INSTITUTIONS CARD AND UPDATE IF
                   A NEW INSTITUTION IS MENTIONED.)

                   See FINANCIAL INSTITUTIONS master reference list
                   0.  Inap. (No trusts, annuities, or managed
                       investment accounts; no further institutions)


9147 (1)    R:     Type of institution
9148 (2)
9149 (3)
9150 (4)
9213 (5)           See FINANCIAL INSTITUTIONS master reference list
                   0.  Inap. (No trusts, annuities, or managed
                       investment accounts; no further institutions)


3947        N46.   How is the money in these trusts and managed accounts
                   invested?  Is most of it in stocks, most of it in bonds or
                   other interest-earning assets, or what?                    

                   1.  STOCKS; "mutual fund" (exc. money market)
                   2.  BONDS/INTEREST/CDs/money market
                   3.  Real estate
                   5.  Combination of 1 & 2; "mutual funds and CD's"
                   6.  "Mixed"; "diversified"
                   7.  Life insurance; annuities
                   8.  Tangible assets other than real estate
                   9.  Intangible assets, n.e.c.
                  -7.  OTHER; combination of 1, 2 & 3
                   0.  Inap. (No trusts, annuities, or managed
                       investment accounts)


4001        N47.   Do you (or anyone in your family living here) have any
                   life insurance? Please include individual or group
                   policies, but not accident insurance.    

                   1.  YES
                   5.  NO


4002        N48.   Are any of these group or individual term insurance
                   policies?  
                   (IF R ASKS: TERM INSURANCE POLICIES HAVE NO VALUE UNLESS
                   THE PERSON DIES.  MANY SUCH POLICIES ARE ISSUED THROUGH
                   EMPLOYERS AND UNIONS.)                                     

                   1.  YES
                   5.  NO
                   0.  Inap. (No life insurance)


4003        N48.1  What is the current face value of all the term life
                   policies that you (and your family living here) have?      

                   Code actual amount
                   0.  Inap. (No life insurance, no term insurance)



4004        N48.2  Do you have any policies that build up a cash value
                   or that you can borrow on? (If R asks: these are
                   sometimes called "whole life" or "straight life").
            N49.   Do you have any policies that build up a cash value or
                   that you can borrow on?
                   (IF R ASKS: THESE ARE SOMETIMES CALLED "WHOLE LIFE" OR
                   "STRAIGHT LIFE".)                                          


                   1.  YES
                   5.  NO
                   0.  Inap. (No life insurance, no term insurance)


4005        N49.1  What is the current face value of all of the policies that
                   build up a cash value that you (and your family living
                   here) have? (THE FACE VALUE OF A POLICY IS WHAT THE
                   POLICY WOULD PAY IN THE EVENT OF DEATH.)

                   Code actual amount
                   0.  Inap. (No life insurance, no whole-life insurance)


4006        N49.2  What is the total cash value of these policies?            
                   (THE CASH VALUE OF A POLICY IS WHAT THE INSURANCE
                   COMPANY WOULD PAY IF THE POLICY WERE SURRENDERED
                   BEFORE DEATH.) (EDITED TO BE GROSS CASH VALUE WHEN
                   REPORTED AS NET) 
        
                   Code actual amount
                  -1.  Zero; none yet
                   0.  Inap. (No life insurance, no whole-life insurance)


4007        N49.3  Are you (or your family) borrowing against these policies?

                   1.  YES
                   5.  NO
                   0.  Inap. (No life insurance, no whole-life insurance)


4008        N49.4  (ASK ONLY IF AN AMOUNT WAS GIVEN IN N49.2)  Is the cash
                   value you just gave me net of any loans you have against
                   the policy or is it the gross cash value?
                   (IF R ASKS: THE NET VALUE IS THE TOTAL CASH VALUE MINUS
                   ANY LOANS.)                                                

                   1.  NET
                   2.  GROSS
                   3.  Value reported at N49b reported as net, but
                       recoded to gross
                   0.  Inap. (No life insurance, no whole-life
                       insurance, not borrowing against whole-life insurance)


4009       N49.5  Did I record these loans earlier in the interview?         

                   1.  YES
                   5.  NO
                   0.  Inap. (No life insurance, no whole-life
                       insurance, not borrowing against whole-life insurance)


7645       N49.6  Where did you tell me about the loans?

                   code up to 5 characters
                   0.  Inap. (No life insurance, no whole-life
                       insurance, not borrowing against whole-life
                       insurance, loan not recorded earlier)

8175       R:      Link code for loan mentioned earlier

                     1.  B10, #1
                     2.  B10, #2
                     3.  B10, #3
                     4.  B10, #4
                     5.  D36, col. 1
                     6.  D36, col. 2
                     7.  D36, col. 3
                     8.  D51
                     9.  D53h, col. 1
                    10.  D53h, col. 2
                    11.  D53h, col. 3
                    12.  D64
                    13.  E33, col. 1
                    14.  E33, col. 2
                    15.  E33, col. 3
                    16.  G22, col. 1
                    17.  G22, col. 2
                    18.  G22, col. 3
                    19.  G38, col. 1
                    20.  G38, col. 2
                    21.  H14, col. 1
                    22.  H14, col. 2
                    23.  H14, col. 3
                    24.  H14, col. 4
                    25.  H14, col. 5
                    26.  H14, col. 6
                   101.  Link not made
                     0.  Inap. (No life insurance, no whole-life
                         insurance, not borrowing against whole-life insurance)


4010        N49.7  How much is currently borrowed?                            

                   Code actual amount
                   0.  Inap. (No life insurance, no whole-life
                       insurance, not borrowing against whole-life insurance)


4011        N49.8  Typically how often (do you/does your family) make
                   payments on these loans and how large are the payments?    

                   Code $ amount
                   -1.  NO TYPICAL PAYMENTS
                   -2.  NONE
                    0.  Inap. (No life insurance, no whole-life
                       insurance, not borrowing against whole-life insurance)


4012        N49.8  PER                                                        

                   2.  Week
                   4.  Month
                   5.  Quarter
                   6.  Year
                  11.  Twice per year; every 6 months
                  12.  Bimonthly
                  -7.  Other
                   0.  Inap. (No life insurance, no whole-life
                       insurance, not borrowing against whole-life insurance)


4013        N49.9  What is the current annual rate of interest being charged
                   on these loans?                                            

                   Code % to 2 decimal places 
                   -1.  Zero; none
                    0.  Inap. (No life insurance, no whole-life
                        insurance, not borrowing against whole-life insurance)


4014       N49.10  How much in total are the yearly premiums for these
                   policies that build up a cash value?                       

                   Code actual amount
                   -1.  NO TYPICAL PREMIUMS
                   -2.  NONE
                    0.  Inap. (No life insurance, no whole-life
                        insurance)


4015       N49.10  PER                                                        

                   2.  Week
                   4.  Month
                   5.  Quarter
                   6.  Year
                  11.  Twice per year; every 6 months
                  12.  Bimonthly
                  -1.  NO REGULAR PAYMENTS
                  -7.  Other
                   0.  Inap. (No life insurance, no whole-life
                       insurance)


4016        N50.   (Other than this term insurance) What is the
                   current face value of all the life
                   insurance that you (and your family living here)
                   own? 

                   Code $ amount
                    0.  Inap. (No life insurance)



4017        N51.   We have talked about various types of savings,
                   investments, and loans.  Other than what I have already
                   recorded, are you (or anyone in your family living here)
                   owed any money by friends, relatives outside the
                   immediate family, businesses, or others?  
                   (WE DO NOT WANT TO INCLUDE LOANS BETWEEN
                   FINANCIALLY DEPENDENT FAMILY MEMBERS HERE.)  

                   1.  YES
                   5.  NO


4018        N51.1  Altogether, how much are you owed?                         

                   Code actual amount
                   0.  Inap. (No other loans owed to R)


4019        N52.   Other than pension assets, do you (or anyone
                   in your family living here) have any
                   other substantial assets that I haven't already recorded -
                   - for example, artwork, precious metals, antiques, futures
                   contracts, oil and gas leases, future proceeds from
                   a lawsuit or estate that is being settled,
                   royalties, or something else?   
                   (DO NOT INCLUDE PENSION-TYPE OR EMPLOYER PROFIT-SHARING
                   ACCOUNTS HERE.)                                            

                   1.  YES
                   5.  NO


4020 (1)   N52.1  (About the most valuable of these ..)  What kind of asset
4024 (2)           is it?                                                     
4028 (3)
                    1.   Gold
                    2.   Silver (incl. silverware)
                    3.   Other metals or metals NA type
                   10.   Jewelry; gem stones (incl. antique)
                   11.   Cars, motorcyles, other vehicles (antique or classic)
                   12.   Antiques; furniture
                   13.   Art objects; paintings; sculpture
                   14.   (Rare) books
                   15.   Coin collections
                   16.   Stamp collection
                   17.   Guns
                   18.   Real estate (exc. cemetery) (overflow from C20)
                   19.   Cemetery plots
                   20.   China; figurines; crystal
                   21.   Musical instruments
                   22.   Livestock; horses
                   23.   Oriental rugs
                   24.   Furs
                   25.   Other collections, incl. baseball cards, records,
                         wine
                   61.   Loans to friends/relatives
                   62.   Other loans/debts owed to R
                   63.   Cash, n.e.c.
                   64.   Future proceeds from a lawsuit
                   65.      "      "      "   an estate
                   66.   Deferred compensation
                   71.   Oil/gas/mineral leases or investments
                   72.   (Commodity) futures contracts
                   73.   Royalties
                   74.   Non-publicly traded stock
                   75.   Computers; equipment; tools
                   76.   Other investments or loans to R's businesses
                   -7.   Other
                    0.   Inap. (No other assets, no additional other assets)
                   For the public use tape, Future proceeds from a
                   lawsuit (64) and Future proceeds from an estate
                   (65) are combined in 64; antiques and furniture
                   (12), rare books (14), and oriental rugs (23) are combined 
                   in 12; Other loans/debts owed to R (62) and Other investments
                   or loans to R's businesses (76) are combined in 62; and
                   Oil/gas/mineral leases or investments (71) and (Commodity) 
                   futures contracts (72) are combined in 71.

4022(#1)    N52.2  What is the total dollar value that you (and your family
4026(#2)           living here) have in (TYPE)?                               
4030(#3)
                   Code actual amount
                   0.  Inap. (No other assets, no additional other assets)



4031        N53.   Do you (or anyone in your family living here) owe any
                   other money not recorded earlier? (WE DO NOT WANT
                   TO INCLUDE ANY LOANS BETWEN FINANCIALLY DEPENDENT
                   FAMILY MEMBERS.) 

                   1.  YES
                   5.  NO


4032       N53.1  How much is owed?                     

                   Code actual amount
                   0.  Inap. (No other money owed)



7646       N54    INTERVIEWER: HAS R MENTIONED ANY ACCOUNTS IN THIS
                  SECTION?

                   1.  YES
                   5.  NO
                   0.  Inap. (No other assets, no additional other assets)


7647       N55    Thinking about all the accounts we have talked
                  about, are any of the accounts you have told me
                  about held in some currency other than U.S. dollars? 

          
                   1.  YES
                   5.  NO
                   0.  Inap. (No other assets)

-----------------------------------------------------------------------------
CURRENT JOB
-----------------------------------------------------------------------------

            R1.    We are interested in your present job status.  Are you
                   working now, temporarily laid off, unemployed and looking
                   for work, disabled and unable to work, retired, a student,
                   a homemaker, or what?  (CODE ALL THAT APPLY.)
                   (SHOW CARD 14.)
            R49    We are interested in your(husband's/wife's/
                   partner's) present job status.  Is (he/she) working
                   now, temporarily laid off, unemployed and looking
                   for work, disabled and unable to work, retired, a
                   student, a homemaker, or what?  (CODE ALL THAT
                   APPLY.) (SHOW CARD 14) IF R/S IS "WORKING NOW" AND
                   ANY OTHER CATEGORY, ASK ALL FOLLOW-UP QUESTIONS AND
                   GO TO R2/R50.          
                   
4100        R1      SUMMARY OF OCCUPATION STATUS AND WORKING NOW              
4700        R49     SUMMARY OF OCCUPATION STATUS AND WORKING NOW
 
                  CURRENTLY WORKING FOR PAY:
                  11.   Worker only
                  12.   Worker + disabled
                  13.   Worker + retired
                  14.   Worker + student
                  15.   Worker + homemaker
                  16.   Worker + unemployed/looking for work
                  17.   Worker + temporarily laid off (NO at R1.1, YES at
                        R1.3, R2=current job)
                   NO CURRENT WORK FOR PAY:
                  20.   Temporarily laid off only (R2=job laid off from, to
                        which R expects to return [YES or DK at R1.1])
                  21.   Temporarily laid off--does not expect to return to
                        job and no current work
                  30.   Unemployed and looking for work
                  50.   Retired only
                  52.   Disabled only
                                          
                                          "Homemaker" is a low priority
                                          working status coded only in 
                                          80 and 15. For other combina-
                                          tions including "Homemaker", 
                                          choose a code on the basis of
                                          the other item(s) checked.   
                  70.   Student only
                  80.   Homemaker/other not in labor force only
                  90.   Unpaid family workers: R's who volunteer that they
                         work in a family business or farm and are unpaid.
                         (Do not include here "volunteer work" for charitable
                         or non-profit organizations.)
                  96.   Other combination incl. WORKER
                  97.   Other (incl. combination) not including WORKER
                 199.   Absent spouse not included in IW
                  -7.   OTHER
                   0.   Inap. (No spouse)
                 NOTE: The use of code 199 is not systematic.  In some
                 cases, the respondent provided employment information
                 for the absent spouse; because this information may
                 be useful for some purposes, it has been retained in
                 the data--in particular, X4700 has a value other than
                 199 or 0.  In other cases where very little or no
                 information was provided, the code 199 was used for
                 X4700, and all subsequent employment variables were
                 set to zero; in addition, all spouse demographic
                 variables from X6101 onward were set to zero.


4101        R1.1   Do you expect to go back to this job?                      
4701       R49.1   Does (he/she) expect to go back to this job?

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, not temporarily laid off)



4102        R1.2   When did you last work on this job?--MONTH                 
4702       R49.2   When did (he/she) last work on this job?  MONTH

                   Code MONTH
                   0.  Inap. (No spouse, not temporarily laid off)


4103        R1.2   When did you last work on this job?--YEAR                  
4703       R49.2   When did (he/she) last work on this job?  YEAR 

                   Code YEAR
                   0.  Inap. (No spouse, not temporarily laid off)


4104        R1.4   When did you (retire/become disabled)?                     
4704       R49.4   When did (he/she) (retire/become disabled)?    

                   Code YEAR
                   0.  Inap. (No spouse, not retired/disabled)


4105      R1.3/R1.5  Are you doing any work for pay at the present time?     
4705    R49.3/R49.5  Is (he/she) doing any work for pay at the present time?

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, currently working)


4106        R2.    Next are some questions about your current, main job.  Do
                   you work for someone else, are you self-employed, or what?
4706       R50.    Next are some questions about (his/her) current,
                   main job.  Does (he/she) work for someone else, is
                   (he/she) self employed, or what?

                   1.  SOMEONE ELSE
                   2.  SELF-EMPLOYED 
                   3.  partnership
                  -7.  OTHER
                   0.  Inap. (No spouse, not currently working)


4107       R2.    EDITOR PRECODE: BUSINESS/JOB CONNECTION (R NOT SE)
           R14.   MARK BOX (BUSINESS IS FROM SECT. F) (R SE)
4707       R50    EDITOR PRECODE: BUSINESS/JOB CONNECTION (S NOT SE)
           R62    MARK BOX (BUSINESS IS FROM SECT. F) (S SE)



                   1.   YES
                   5.   NO
                   0.   Inap. (No spouse, not currently working)


7401        R3.    What is the official title of your job?  (The title that
                   your employer uses?) (R NOT SE)
            R4.    What sort of work do you do on your main job?  (Tell me a
                   little more about what you do.) (R NOT SE)
            R14.   What sort of work do you do?  (Tell me a little more about
                   what you do.) 
            R14.1  IWER: DOES R WORK FOR A BUSINESS REPORTED IN
                   SECTION F? (R SE)

7411       R51.    What is the official title of (his/her) job?  (The title
                   that (his/her) employer uses?) (S NOT SE)
           R52.    What sort of work does (he/she) do on (his/her) main job?
                   (Tell me a little more about what (he/she) does.)
                   (S NOT SE)
           R62.    What sort of work does (he/she) do?  (Tell me a
                   little more about what (he/she) does.) 
           R62.1   IWER:  DOES S WORK FOR A BUSINESS REPORTED IN
                   SECTION F? CHECK F22. (S SE)

                   Code 3-digit 1980 Census OCCUPATION Code
                   0.  Inap. (No spouse, not currently working)
                   For the public use tape, the 1980 occupation codes
                   were collapsed using the SAS code that follows below.

***************************************************************************
            Code to collapse occupations
***************************************************************************

 ARRAY OCC {*} X7401 X7405 X7407 X7409
               X7411 X7415 X7417 X7419;
 DO I=1 TO DIM(OCC);
    IF (3 <= OCC{I} <=37) THEN OCC{I}=1;
    IF (43 <= OCC{I} <=199) THEN OCC{I}=1;
    IF (203 <= OCC{I} <=235) THEN OCC{I}=2;
    IF (243 <= OCC{I} <=285) THEN OCC{I}=2;
    IF (303 <= OCC{I} <=389) THEN OCC{I}=2;
    IF (403 <= OCC{I} <=407) THEN OCC{I}=3;
    IF (413 <= OCC{I} <=427) THEN OCC{I}=3;
    IF (433 <= OCC{I} <=469) THEN OCC{I}=3;
    IF (473 <= OCC{I} <=499) THEN OCC{I}=6;
    IF (503 <= OCC{I} <=699) THEN OCC{I}=4;
    IF (703 <= OCC{I} <=799) THEN OCC{I}=5;
    IF (803 <= OCC{I} <=859) THEN OCC{I}=5;
    IF (863 <= OCC{I} <=889) THEN OCC{I}=5;
    IF (905 <= OCC{I} <=905) THEN OCC{I}=3;
 END;
***************************************************************************

7402        R5.    What kind of business or industry do you work in--that is,
                   what do they make or do at the place where you work?
                   (R NOT SE)
            R14.2  What industry do you work in?  That is, what do they do or
                   make?  (What industry do you typically work in?) (R SE)
7412        R53    What kind of business or industry does (he/she) work
                   in that is, what do they make or do at the place where   
                   (he/she) works? (S NOT SE)
            R62.2  What industry does (he/she) work in?  That is, what
                   do they do or make?  (What industry does (he/she)
                   typically work in?) (S SE)

                   Code 3-digit 1980 Census INDUSTRY Code
                   0.  Inap. (No spouse, not currently working)
                   For the public use tape, the 1980 industry codes
                   were collapsed using the SAS code that follows below.

***************************************************************************
            Code to collapse industries
***************************************************************************

 ARRAY IND {*} X7402 X7406 X7408 X7410
               X7412 X7416 X7418 X7420;
 DO I=1 TO DIM(IND);
    IF (10 <= IND{I} <=31) THEN IND{I}=1;
    IF (40 <= IND{I} <=50) THEN IND{I}=2;
    IF (60 <= IND{I} <=60) THEN IND{I}=2;
    IF (100 <= IND{I} <=392) THEN IND{I}=3;
    IF (500 <= IND{I} <=571) THEN IND{I}=4;
    IF (580 <= IND{I} <=691) THEN IND{I}=4;
    IF (700 <= IND{I} <=712) THEN IND{I}=5;
    IF (721 <= IND{I} <=760) THEN IND{I}=5;
    IF (400 <= IND{I} <=472) THEN IND{I}=6;
    IF (761 <= IND{I} <=791) THEN IND{I}=6;
    IF (800 <= IND{I} <=802) THEN IND{I}=6;
    IF (812 <= IND{I} <=892) THEN IND{I}=6;
    IF (900 <= IND{I} <=932) THEN IND{I}=7;
 END;
***************************************************************************


4110       R6.    How many hours do you work on your main job in a normal
                  week? (R NOT SE)
           R14.5  How many hours do you work (for yourself/in this business)
                  in a normal week? (R SE)
4710       R54    How many hours does (he/she) work on (his/her) main
                  job in a normal week? (S NOT SE)
           R62.5  How many hours does (he/she) work (for himself/for
                  herself/in this business) in a normal week? (S SE)

                   Code # HOURS
                   95.  95 hours or more; "all the time"; "24 hours a day"
                    0.  Inap. (No spouse, not currently working)



4111        R7.    (READ SLOWLY)  Counting paid vacations as weeks of work,
                    how many weeks do you work on this job in a normal year?   
                    (R NOT SE)
            R14.6  (READ SLOWLY) Counting paid vacations as weeks of work,
                   how many weeks per year do you work on this job? (R SE)
4711        R55    (READ SLOWLY)  Counting paid vacations as weeks of work,
                   how many weeks does (he/she) work on this job in a normal
                   year? (S NOT SE)
            R62.6  (READ SLOWLY) Counting paid vacations as weeks of work,   
                   how many weeks per year does (he/she) work on this job?
                   (S SE)

                   Code # WEEKS
                   0.  Inap. (No spouse, not currently working)


4125        R14.7  How are you paid?  Are you paid a regular salary or wages?
                   (ONLY ASKED IF R SE)
4725        R62.7  How is (he/she) paid?  Is (he/she) paid a regular
                   salary or wages? (ONLY ASKED IF SPOUSE SE)


                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, not currently working, not
                       self-employed)


4112        R8.    About how much do you earn before taxes on your main job? 
                   (Is that per hour, week, month, year, or what?) (R NOT SE)
            R14.8  How much in salary or wages are you paid before taxes?
                   (R SE -- NOT ANSWERED UNLESS 4125/6 = 1)
4712        R56    About how much does (he/she) earn before taxes on
                   (his/ her) main job?  (Is that per hour, week,
                   month, year, or what?) (S NOT SE)
            R62.8  How much in salary or wages is (he/she) paid before
                   taxes? (S SE -- NOT ANSWERED UNLESS 4725/6 = 1)


                   Code actual amount
                   -1.  Zero; take no pay out of business
                    0.  Inap. (No spouse, not currently working)


4113       R8.    PER (R NOT SE)
           R14.8  PER (R SE)
4713       R56    PER (S NOT SE)
           R62.8  PER (S SE)

                   1.  Day
                   2.  Week
                   3.  Biweekly
                   4.  Month
                   5.  Quarter
                   6.  Year
                  11.  Twice per year; every 6 months
                  12.  Bimonthly
                  14.  By the job 
                  18.  Hour
                  -7.  Other
                   0.  Inap. (No spouse, not currently working)




4127        R14.9  Do you (also) receive a portion of the net
                   earnings, or some other kind of income? (R SE)
4727        R62.9  Do you (also) receive a portion of the net
                   earnings, or some other kind of income? (S SE)

                   1.  Yes
                   5.  No
                   0.  Inap. (No spouse, not currently working, not
                       self-employed)


4131       R14.10  (In addition to regular salary,) how much do you
                   personally receive from the business before taxes? (What did
                   you get in 1991?) (ONLY ASKED IF R SE)
4731       R62.10  (In addition to regular salary,) how much does (he/she)
                   personally receive from the business before taxes? (What did
                   (he/she) get in 1991?) (ONLY ASKED IF S SE)

                   Code actual amount
                   -1.  Zero; none in 1991
                    0.  Inap. (No spouse, not currently working, not
                       self-employed, no non-wage/salary income from job)


4132        R14.10  PER (ONLY ASKED IF R SE)
4732        R62.10  PER (ONLY ASKED IF S SE)

                   2.  Week
                   3.  Biweekly
                   4.  Month
                   5.  Quarter
                   6.  Year
                  -7.  Other
                   0.  Inap. (No spouse, not currently working, not
                       self-employed, no non-wage/salary income from job)


4114        R9     About how many employees work for this company or
                   organization, including all locations?  (Is it fewer than
                   10, 10 to 19, 20 to 99, 100 to 499, or 500 or more?)       
                   (ONLY ASKED FOR R NOT SE; INFERRED FROM SECTION F
                   WHERE POSSIBLE; OTHERWISE, IMPUTED)
4714        R57    About how many employees work for this company or
                   organization, including all locations?  (Is it fewer than   
                   10, 10 to 19, 20 to 99, 100 to 499, or 500 or more?)
                   (ONLY ASKED FOR S NOT SE; INFERRED FROM SECTION F
                   WHERE POSSIBLE; OTHERWISE, IMPUTED)

                   1.  LESS THAN 10
                   2.  10 TO 19
                   3.  20 TO 99
                   4.  100 TO 499
                   5.  500 OR MORE
                   0.  Inap. (No spouse, not currently working)


4115        R10.   How many years in total have you worked for this employer?
                   (R NOT SE)
            R14.3  How many years have you worked for (yourself/this
                   business)? (R SE)
4715        R58.   How many years in total has (he/she) worked for this   
                   employer? (S NOT SE)
            R62.3  How many years has (he/she) worked for (himself/herself/
                   this business)? (S SE)

                   Code # YEARS
                   1.  ONE YEAR OR LESS
                   0.  Inap. (No spouse, not currently working)
                   For the public use tape, the number of years is
                   top-coded at 60.


7679        R10.   How many years in total have you worked for this employer?
                   (R NOT SE)
            R14.3  How many years have you worked for (yourself/this
                   business)? (R SE)
7706        R58.   How many years in total has (he/she) worked for this   
                   employer? (S NOT SE)
            R62.3  How many years has (he/she) worked for (himself/herself/
                   this business)? (S SE)

                   Code YEAR
                   0.  Inap. (No spouse, not currently working)


4116        R11.   How many years do you expect to continue working for this
                   employer? (ACCEPT RANGE.) (R NOT SE)
            R14.4  About how many years do you expect to continue working for
                   (yourself/this business)?  ACCEPT RANGE (R SE)
4716        R59.   How many years does (he/she) expect to continue working   
                   for this employer? (ACCEPT RANGE.) (S NOT SE)
            R62.4  About how many years does (he/she) expect to continue   
                   working for (himself/herself/this business)?  ACCEPT RANGE
                   (S SE)

                   Code # YEARS
                   -1.  NEVER STOP
                    0.  Inap. (No spouse, not currently working)


7680        R11.   How many years do you expect to continue working for this
                   employer? (ACCEPT RANGE.) (R NOT SE)
            R14.4  About how many years do you expect to continue working for
                   (yourself/this business)?  ACCEPT RANGE (R SE)
7707        R59.   How many years does (he/she) expect to continue working   
                   for this employer? (ACCEPT RANGE.) (S NOT SE)
            R62.4  About how many years does (he/she) expect to continue   
                   working for (himself/herself/this business)?  ACCEPT RANGE
                   (S SE)

                   Code AGE
                   -1.  NEVER STOP
                    0.  Inap. (No spouse, not currently working)



4117        R12.   Are you covered on this job by a union or employee-
                   association contract? (R NOT SE)
            R14.11 Are you covered on this job by a union or employee-
                   association contract? (R SE)
4717        R60.   Is (he/she) covered on this job by a union or employee    
                   association contract? (S NOT SE)
            R62.11 Is (he/she) covered on this job by a union or employee 
                   association contract? (R SE)

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, not currently working)




7681        R13    Do you have any type of insurance other than Social
                   Security, that would help provide you with income
                   in the event that you became disabled? (R not SE)

            R14.12 Do you have any type of insurance other than Social
                   Security, that would help provide you with income 
                   in the event that you became disabled? (R SE)


7708        R61    Does (he/she) have any type of insurance other than Social
                   Security, that would help provide (him/her) with
                   income in the event that (he/she) became disabled?
                   (S not SE)

            R62.12 Does (he/she) have any type of insurance other than Social
                   Security, that would help provide (him/her) with
                   income in the event that (he/she) became disabled? (S SE)



                    1.  YES
                    5.  NO
                    0.  Inap. (No spouse, not currently working)




INFORMATION LINKED FROM 1992 CURRENT POPULATION SURVEY BY OCCUPATION CODE


8112 (R)    R:    Average for occupation group of fraction of last 52
8113 (S)          weeks worked; multipled by 10

8114 (R)    R:    Average for occupation group of hours worked per year
8115 (S)          in 1992; multiplied by 10

8116 (R)    R:    Fraction of occupation group unemployed in 1992;
8117 (S)          multiplied by 1000

8169 (R)    R:    Unconditional mean wage for occupation group in 1992
8170 (S)

           For each occupation group, regressions were run separately
           for males and females of the log of annualized wages on a
           constant, a spline on age (AGE, MAX(0, AGE-35),
           MAX(0,AGE-55)), a dummy variable for part-time employment
           (1 = working 20 or fewer hours per week), a dummy variable
           for self-employment (1 = self-employed), a dummy for race
           (1 = Hispanic or non-white), and dummy variables for years
           of education (1 = : 12 years of education, some college or
           an Associate's degree, Bachelor's degree, higher degree
           than Bachelor's degree).  If there were too few people in a CPS
           3-digit occupation group, either the SCF case was matched to
           a neighboring occupation group, or the match was made at the
           level of the 2-digit occupation code.  Some of the model
           coefficients may be identically zero where there are too few
           cases in the appropriate cells in the CPS to identify the
           coefficients.


8105 (R)    R:    10000 * Intercept
8106 (S)

8099 (R)    R:    For age in [1, 35]: 10000 * Coefficient of AGE
8100 (S)

8101 (R)    R:    For age in [36, 55]: 10000 * Coefficient of MAX(0,AGE-35)
8102 (S)

8103 (R)    R:    For age in [55, 999]: 10000 * Coefficient of MAX(0,AGE-55)
8104 (S)

8318 (R)    R:    10000 * Coefficient of dummy for part-time employment
8319 (S)

8320 (R)    R:    10000 * Coefficient of dummy for self-emlpoyment
8321 (S)

8322 (R)    R:    10000 * Coefficient of dummy for Hispanic or nonwhite
8323 (S)

8324 (R)    R:    10000 * Coefficient of dummy for 12 years of education
8325 (S)

8326 (R)    R:    10000 * Coefficient of dummy for some college or 
8327 (S)          Associate's degree

8328 (R)    R:    10000 * Coefficient of dummy for Bachelor's degree
8329 (S)

8330 (R)    R:    10000 * Coefficient of dummy for higher degree than
8331 (S)          Bachelor's degree

8107 (R)    R:    10000 * Standard error log regression
8108 (S)

8109 (R)    R:    Annualized level of expected income from regression
8111 (S)          (corrected for non-zero expectation of error term
                  for level)


-----------------------------------------------------------------------------
CURRENT JOB PENSIONS
-----------------------------------------------------------------------------

4135        R15.   Many employers have pension or retirement plans, and some
                   provide tax-deferred plans such as thrift, savings,
                   401K's, profit sharing, or stock ownership plans,
                   some plans span multiple jobs, for example, TIAA,
                   CREF, union plans, etc. Are you included in any
                   pension or retirement plans, or in any tax-deferred
                   savings plans connected with the job you just told
                   me about?  (DO NOT INCLUDE SOCIAL SECURITY.) 
                   IF R MENTIONS IRA OR KEOGH PLANS, NOTE IN MARGIN AND SAY:
                   "We covered those earlier in the interview. Here, I just
                   want to find out about other plans operated through your
                   employer." (R NOT SE)
            R14.13 Aside from IRA or Keogh plans, are you included in any
                   pension plans or tax-deferred savings plans through (your
                   work/the business)? (R SE)
4735        R63.   Many employers have pension or retirement plans, and some
                   provide tax-deferred plans such as thrift, savings,
                   401K's, profit sharing, or stock ownership plans,
                   some plans span multiple jobs, for example, TIAA,
                   CREF, union plans, etc. Is (he/she) included in any
                   pension or retirement plans, or in any tax-deferred
                   savings plans connected with the job you just told
                   me about?  (DO NOT INCLUDE SOCIAL SECURITY.) 
                   IF R MENTIONS IRA OR KEOGH PLANS, NOTE IN MARGIN AND SAY:
                   "We covered those earlier in the interview. Here, I just
                   want to find out about other plans operated through (his/her)
                   employer." (S NOT SE)
            R62.13 Aside from IRA or Keogh plans, is (he/she) included
                   in any pension plans or tax deferred savings plans
                   through [(his/her) work/the business? (S SE)

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, not currently working)


4136       R16.   Does your employer offer any such plans?                   
                  (ONLY ASKED IF R NOT SE)
4736       R64.   Does (his/her) employer offer any such plans?        
                  (ONLY ASKED IF SP NOT SE)

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, not currently working,
                       included in pension plan on main job, self-employed)


4137        R16.1  Are you eligible to be included in any of these plans?
                  (ONLY ASKED IF R NOT SE)
4737        R64.1  Is (he/she) eligible to be included in any of these plans?
                  (ONLY ASKED IF SP NOT SE)

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, not currently working,
                       included in pension plan on main job, self-employed,
                       plan not offered)


4138        R16.2  Will you be eligible if you continue to work for this
                   employer? (ONLY ASKED IF R NOT SE)
4738        R64.2  Will (he/she) be eligible if (he/she) continues to work
                   for this employer? (ONLY ASKED IF SP NOT SE)

                   1.  YES
                   3.  DEPENDS
                   5.  NO
                   0.  Inap. (No spouse, not currently working,
                       included in pension plan on main job, self-employed,
                       plan not offered, eligible to be included in
                       plan)


4139       R17.   In how many different plans of this sort are you included
                  on this job? (ONLY ASKED IF R NOT SE)
4739       R65.   In how many different plans of this sort is (he/she)   
                  included on this job? (ONLY ASKED IF SP NOT SE)

                   Code # PLANS
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job)


4140        R17.1  Are you currently receiving benefit payments from any
                   retirement plans from this job?                            
4740        R65.1  Is (he/she) currently receiving benefit payments
                   from any retirement plans from this job?

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job)


4141        R17.2  I'll ask about the benefits later.  Are there any
                   retirement or savings plans from this job where you are
                   not yet drawing benefit payments?                          
4741        R65.2  I'll ask about the benefits later.  Are there any
                   retirement or savings plans from this job where (he/she)   
                   are not yet drawing benefit payments?

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job, not
                       receiving benefits from any plans on main job)


4201       R17.3/R18.  How many such plans do you have? (ASKED IF SOME
                       PLANS ON MAIN JOB NOT CURRENLY PAYING BENEFITS,
                       INFERRED FOR OTHER CASES WITH PLANS)
4801       R65.3/R66.  How many such plans does (he/she) have? (ASKED IF SOME
                       PLANS ON MAIN JOB NOT CURRENLY PAYING BENEFITS,
                       INFERRED FOR OTHER CASES WITH PLANS)

                       Code # PLANS--NOT YET RECEIVING BENEFITS
                       0.  Inap. (No spouse, not currently working,
                           not included in pension plan on main job,
                           receiving benefits from all plans on main job)


4202(1)     R19.   (Is this/About the (next) most important of these plans,
4302(2)            is it) a pension or retirement plan, or a tax-deferred
4402(3)            savings plan of some sort?  (IF R ASKS: 401-K, 403-B,
                   ESOP, SRA, THRIFT/SAVINGS, STOCK/PROFIT SHARING ARE ALL
                   TAX-DEFERRED SAVINGS PLANS.)                               
4802(1)     R67.   (Is this/About the (next) most important of these plans,
4902(2)            is it) a pension or retirement plan, or a tax-deferred
5002(3)            savings plan of some sort?  (IF R ASKS: 401 K, 403 B,
                   ESOP, SRA, THRIFT/SAVINGS, STOCK/PROFIT SHARING ARE ALL   
                   TAX DEFERRED SAVINGS PLANS.)    

                   1.  PENSION OR RETIREMENT
                   2.  TAX-DEFERRED SAVINGS
                  -7.  OTHER
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job,
                       receiving benefits from all plans on main job,
                       no further plans)


4203(1)    R20.   (SHOW CARD 15). I would like to know what general
                   type of plan 
4303(2)            this is.  (In the most common pension or retirement plan,
4403(3)            the monthly retirement benefit paid is usually based on a
                   formula involving age, years of service and salary.  In
                   other plans, money is accumulated in an account
                   for you until your retirement.)  Is your (first/next) plan
                   like the formula plan or account plan? ("2" FILLED
                   IN HERE IF R19=2) 
4803(1)    R68.   (SHOW CARD 11). I would like to know what general type of plan
4903(2)            this is. In the most common pension or retirement plan,
5003(3)            the monthly retirement benefit paid is usually based on a
                   formula involving age, years of service and salary.  In
                   other plans, money is accumulated in an account
                   for you until your retirement.)  Is (his/her) (first/next)
                   plan like the formula plan or account plan? ("2"
                   FILLED IN HERE IF R67=2) 

                   1.  TYPE A (FORMULA)
                   2.  TYPE B (ACCOUNT)
                   3.  BOTH A & B
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job,
                       receiving benefits from all plans on main job,
                       no further plans)


FORMULA-TYPE PENSIONS AND MIXTURE PLANS


4204(1)     R21.   For that part of your plan where
4304(2)            money is accumulated in an account, how much is in the
4404(3)            account?                                                   
4804(1)     R69.   For that part of (his/her) plan where money is accumulated
4904(2)            in an account, how much is in the account?
5004(3)
                   Code actual amount
                   -1.  Zero; nothing yet
                    0.  Inap. (No spouse, not currently working,
                        not included in pension plan on main job,
                        receiving benefits from all plans on main job,
                        no further plans, plan not like both types A
                        and B)


7685(1)     R21.1 How long have you been in the plan?
7687(2)     R69.1 How long has (he/she) been in the plan?
7689(3)
7712(1)
7714(2)
7716(3)

                   Code # years
                    0.  Inap. (No spouse, not currently working,
                        not included in pension plan on main job,
                        receiving benefits from all plans on main job,
                        no further plans, plan not like both types A
                        and B)

4205(1)     R22.  Do you currently make contributions to this plan?
4305(2)           (IF R ASKS: INCLUDE CONTRIBUTIONS THROUGH SALARY
4405(3)           DEDUCTIONS, UNION DUES OR OTHER SOURCES)                   
4805(1)     R70.  Does (he/she) currently make contributions to this plan?   
4905(2)           (IF R ASKS: INCLUDE CONTRIBUTIONS THROUGH SALARY   
5005(3)           DEDUCTIONS, UNION DUES OR OTHER SOURCES)

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job,
                       receiving benefits from all plans on main job,
                       no further plans, plan not like type A/A&B)


4206(1)     R23.   What percent of your pay or amount of money per month or
4306(2)            year do you currently contribute?--PERCENT                 
4406(3)
4806(1)     R71.   What percent of (his/her) pay or amount of money per
4906(2)            month or year does (he/she) currently contribute?  PERCENT
5006(3)
                   Code PERCENT to 2 decimal places
                   -2.  Cannot convert, wage variable is negative or zero
                    0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job,
                       receiving benefits from all plans on main job,
                       no further plans, plan not like type A/A&B,
                       R/S does not make contributions)


4207(1)     R23.   What percent of your pay or amount of money per month or
4307(2)            year do you currently contribute?--AMOUNT                  
4407(3)
4807(1)     R71.   What percent of (his/her) pay or amount of money per month
4907(2)            or year does (he/she) currently contribute?  AMOUNT
5007(3)
                   Code actual amount
                   -2.  Cannot convert, wage variable is negative or zero
                    0.  Inap. (No spouse, not currently working,
                        not included in pension plan on main job,
                        receiving benefits from all plans on main job,
                        no further plans, plan not like type A/A&B,
                        R/S does not make contributions)


4208(1)    R23.   PER                                                        
4308(2)
4408(3)
4808(1)    R71.   PER
4908(2)
5008(3)

                   2.  Week
                   3.  Biweekly
                   4.  Month
                   5.  Quarter
                   6.  Year
                  12.  Bimonthly
                  -7.  Other
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job,
                       receiving benefits from all plans on main job,
                       no further plans, plan not like type A/A&B
                       R/S does not make contributions)


4209(1)     R24.   At what age do you expect to start receiving benefits from
4309(2)            this plan? -- AGE 
4409(3)
4809(1)     R72.   At what age does (he/she) expect to start receiving
4909(2)            benefits from this plan?
5009(3)
                   Code AGE
                   -1.  DON'T EXPECT BENEFITS
                    0.  Inap. (No spouse, not currently working,
                        not included in pension plan on main job,
                        receiving benefits from all plans on main job,
                        no further plans, plan not like type A/A&B)

7686(1)     R24.   At what age do you expect to start receiving benefits from
7688(2)            this plan? -- YEARS                          
7690(3)
7713(1)     R72.   At what age does (he/she) expect to start receiving
7715(2)            benefits from this plan?
7717(3)
                   Code IN YEARS
                   -1.  DON'T EXPECT BENEFITS
                    0.  Inap. (No spouse, not currently working,
                        not included in pension plan on main job,
                        receiving benefits from all plans on main job,
                        no further plans, plan not like type A/A&B)


4210(1)    R25.   About how much do you expect your benefits to be?  (As a
4310(2)           proportion of your pay at retirement, or as an amount per
4410(3)           month or year when you start receiving them?)--AMOUNT      
4810(1)    R73.   About how much does (he/she) expect (his/her) benefits
4910(2)           to be?  [As a proportion of (his/her) pay at retirement,
5010(3)           or as an amount per month or year when (he/she) starts   
                  receiving them?]--AMOUNT

                  Code actual amount
                  0.  Inap. (No spouse, not currently working,
                      not included in pension plan on main job,
                      receiving benefits from all plans on main job,
                      no further plans, plan not like type A/A&B, R/S
                      does not expect benefits)


4211(1)     R25.   PER                                                        
4311(2)
4411(3)
4811(1)     R73.   PER
4911(2)
5011(3)

                   2.  Week
                   3.  Biweekly
                   4.  Month
                   5.  Quarter
                   6.  Year
                  -7.  Other
                   8.  Lump sum; one payment only
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job,
                       receiving benefits from all plans on main job,
                       no further plans, plan not like type A/A&B, R/S
                       does not expect benefits)



4212(1)    R25.   About how much do you expect your benefits to be?  (As a
4312(2)           proportion of your pay at retirement, or as an amount per
4412(3)           month or year when you start receiving them?)--PERCENT     
4812(1)    R73.   About how much does (he/she) expect (his/her) benefits
4912(2)           to be?  [As a proportion of (his/her) pay at retirement,
5012(3)           or as an amount per month or year when (he/she) starts   
                  receiving them?]  PERCENT

                   Code PERCENT to 2 decimal places
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job,
                       receiving benefits from all plans on main job,
                       no further plans, plan not like type A/A&B, R/S
                       does not expect benefits)


4213(1)     R26.   If you were to (leave this job/sell this business) now,
4313(2)            would you start receiving a monthly or annual pension
4413(3)            benefit now, would you receive one later, would you get a
                   cash settlement now, would you get nothing or what?  (IF R
                   SAYS "ROLL OVER" MARK "CASH SETTLEMENT".)                  
4813(1)     R74.   If (he/she) were to (leave this job/sell this business)
4913(2)            now, would (he/she) start receiving a monthly or annual
5013(3)            pension benefit now, would (he/she) receive one later,
                   would (he/she) get a cash settlement now, would (he/she)
                   get nothing or what?  (IF R SAYS "ROLL OVER" MARK "CASH   
                   SETTLEMENT".)

                   1.  Monthly or annual BENEFIT NOW      If multiple 
                   2.  Monthly or annual BENEFIT LATER    checks, code
                                                          smallest #  
                   3.  CASH SETTLEMENT now; "Roll Over"   checked.    
                   4.  NOTHING                            
                  -7.  OTHER incl. any combinations; "lump sum later"
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job,
                       receiving benefits from all plans on main job,
                       no further plans, plan not like type A/A&B)


4214(1)    R26.1  About how much per month would you receive?                
4314(2)
4414(3)
4914(1)    R74.1  About how much per month would (he/she) receive?
4914(2)
5014(3)
                   Code $ amount
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job,
                       receiving benefits from all plans on main job,
                       no further plans, plan not like type A/A&B,
                       if R/S left job now would get cash settlement/
                       nothing/other)


7691(1)     R26.1  PER                                                        
7692(2)
7693(3)
7718(1)     R74.1  PER
7719(2)
7720(3)

                   2.  Week
                   3.  Biweekly
                   4.  Month
                   5.  Quarter
                   6.  Year
                  -7.  Other
                   8.  Lump sum; one payment only
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job,
                       receiving benefits from all plans on main job,
                       no further plans, plan not like type A/A&B,
                       if R/S left job now would get cash settlement/
                       nothing/other)


4215(1)     R27  INTERVIEWER: Is there another plan? (R)
4315(2)
4415(3)
4815(1)
4915(2)
5015(3)
            R75  INTERVIEWER: Is there another plan? (S)

                   1.  Yes
                   5.  No
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job,
                       receiving benefits from all plans on main job,
                       no further plans, plan not like type A/A&B,
                       if R/S left job now would get cash settlement/
                       nothing/other)


ACCOUNT-TYPE PENSIONS


4216(1)    R28.   (Could you tell me a little more about this plan?)  Is it
4316(2)           a thrift or savings plan, a 401K, a Supplemental Retirement
4416(3)           Account (SRA), a profit-sharing plan, or what?          
4816(1)    R76.   (Could you tell me a little more about this plan?) Is it
4916(2)           a thrift or savings plan, a 401K, a Supplemental Retirement
5016(3)           Account (SRA), a profit-sharing plan, or what?

                    1.  THRIFT OR SAVINGS; "Savings and Investment plan"
                    2.  401k/403b/SRA
                    3.  PROFIT SHARING
                    4.  STOCK PURCHASE, ESOP (Employee Stock Option Plan)
                    7.  DEFERRED COMPENSATION
                   11.  IRA; IRA/SEP
                   12.  Defined-contribution plan; TIAA-CREF
                   13.  Money purchase plan
                   14.  Tax-deferred annuity (TDA)
                   -7.  OTHER
                    0.  Inap. (No spouse, not currently working,
                        not included in pension plan on main job,
                        receiving benefits from all plans on main job,
                        no further plans, plan not like type B)


4217(1)     R29.   For how many years altogether have you been included in
4317(2)            this plan? (INCLUDE YEARS WITH OTHER EMPLOYERS, IF SAME
4417(3)            PLAN.)                                                     
4817(1)     R77.   For how many years altogether has (he/she) been included
4917(2)            in this plan? (INCLUDE YEARS WITH OTHER EMPLOYERS, IF SAME
5017(3)            PLAN.)

                   Code # YEARS
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job,
                       receiving benefits from all plans on main job,
                       no further plans, plan not like type B)


4218(1)     R30.   (Does your employer/Does the business) make contributions
4318(2)            to this plan?                                              
4418(3)
4818(1)     R78.   [Does (his/her) employer/Does the business] make   
4918(2)            contributions to this plan?
5018(3)
                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job,
                       receiving benefits from all plans on main job,
                       no further plans, plan not like type B)


4219(1)     R30.1  What percent of your pay or amount of money per month or
4319(2)            year does (your employer/the business) contribute?--
4419(3)            PERCENT                                                    
4819(1)     R78.1  What percent of (his/her) pay or amount of money per
4919(2)            month or year does [(his/her) employer/the business]   
5019(3)            contribute?  PERCENT

                   Code PERCENT to 2 decimal places
                   -1.  None
                   -2.  Cannot convert, wage variable is negative or zero
                   -3.  Irregular contribution
                    0.  Inap. (No spouse, not currently working,
                        not included in pension plan on main job,
                        receiving benefits from all plans on main job,
                        no further plans, plan not like type B,
                        employer does not contribute to plan)


4220(1)     R30.1  What percent of your pay or amount of money per month or
4320(2)            year does (your employer/the business) contribute?--
4420(3)            AMOUNT                                                     
4820(1)     R78.1  What percent of (his/her) pay or amount of money per
4920(2)            month or year does [(his/her) employer/the business]   
5020(3)            contribute?  AMOUNT

                   Code actual amount
                   -1.  None
                   -2.  Cannot convert, wage variable is negative or zero
                   -3.  Irregular contribution
                    0.  Inap. (No spouse, not currently working,
                        not included in pension plan on main job,
                        receiving benefits from all plans on main job,
                        no further plans, plan not like type B,
                        employer does not contribute to plan)


4221(1)     R30.1  PER                                                        
4321(2)
4421(3)
4821(1)     R78.1  PER
4921(2)
5021(3)

                   2.  Week
                   3.  Biweekly
                   4.  Month
                   5.  Quarter
                   6.  Year
                  17.  Irregular contribution
                  -7.  Other
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job,
                       receiving benefits from all plans on main job,
                       no further plans, plan not like type B,
                       employer does not contribute to plan)


4222(1)     R31.   Do you currently make contributions to this plan? (IF R
4322(2)            ASKS: INCLUDE CONTRIBUTIONS THROUGH SALARY DEDUCTIONS,
4422(3)            UNION DUES, OR OTHER SOURCES.)                             
4822(1)     R79.   Does (he/she) currently make contributions to this plan?
4922(2)            (IF R ASKS: INCLUDE CONTRIBUTIONS THROUGH SALARY   
5022(3)            DEDUCTIONS, UNION DUES, OR OTHER SOURCES.)

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job,
                       receiving benefits from all plans on main job,
                       no further plans, plan not like type B)


4223(1)     R31.1  What percent of your pay or amount of money per month or
4323(2)            year do you currently contribute?--PERCENT                 
4423(3)
4823(1)     R79.1  What percent of (his/her) pay or amount of money per month
4923(2)            or year does (he/she) currently contribute?  PERCENT
5023(3)
                   Code PERCENT to 2 decimal places
                   -2.  Cannot convert, wage variable is negative or zero
                    0.  Inap. (No spouse, not currently working,
                        not included in pension plan on main job,
                        receiving benefits from all plans on main job,
                        no further plans, plan not like type B,
                        R/S does not contribute to plan)


4224(1)     R31.1  What percent of your pay or amount of money per month or
4324(2)            year do you currently contribute?--AMOUNT                  
4424(3)
4824(1)     R79.1  What percent of (his/her) pay or amount of money per month
4924(2)            or year does (he/she) currently contribute?  AMOUNT
5024(3)
                   Code actual amount
                   -2.  Cannot convert, wage variable is negative or zero
                    0.  Inap. (No spouse, not currently working,
                        not included in pension plan on main job,
                        receiving benefits from all plans on main job,
                        no further plans, plan not like type B,
                        R/S does not contribute to plan)


4225(1)     R31.1  PER                                                        
4325(2)
4425(3)
4825(1)     R79.1  PER
4925(2)
5025(3)

                   1.  Day
                   2.  Week
                   3.  Biweekly
                   4.  Month
                   5.  Quarter
                   6.  Year
                  -7.  Other
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job,
                       receiving benefits from all plans on main job,
                       no further plans, plan not like type B,
                       R/S does not contribute to plan)


4226(1)    R32.   Roughly how much money is in your account at present?      
4326(2)           (WE WANT THE AMOUNT GROSS OF ANY LOANS AGAINST THIS
4426(3)           ACCOUNT.)
4826(1)    R80.   Roughly how much money is in (his/her) account at present?
4926(2)           (WE WANT THE AMOUNT GROSS OF ANY LOANS AGAINST THIS
5026(3)           ACCOUNT.)
                   Code actual amount
                   -1.  Zero; none yet
                    0.  Inap. (No spouse, not currently working,
                        not included in pension plan on main job,
                        receiving benefits from all plans on main job,
                        no further plans, plan not like type B)


4227(1)     R33.   Can you borrow against that account?                       
4327(2)
4427(3)
4827(1)     R81.   Can (he/she) borrow against that account?
4927(2)
5027(3)
                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, not currently working,
                        not included in pension plan on main job,
                        receiving benefits from all plans on main job,
                        no further plans, plan not like type B)


4228(1)     R34.   Do you currently have a loan against that account?         
4328(2)
4428(3)
4828(1)     R82.   Does (he/she) currently have a loan against that account?
4928(2)
5028(3)
                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job,
                       receiving benefits from all plans on main job,
                       no further plans, plan not like type B,
                       cannot borrow aginst account)


4229(1)    R34.1  What is the amount of the loan balance?                    
4329(2)
4429(3)
4829(1)    R82.1   What is the amount of the loan balance?
4929(2)
5029(3)            Code actual amount
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job,
                       receiving benefits from all plans on main job,
                       no further plans, plan not like type B,
                       cannot borrow against account, no loan against
                       account)


4230(1)     R34.2  Did you tell me about this loan earlier?                   
4330(2)
4430(3)
4830(1)     R82.2  Did you tell me about this loan earlier?
4930(2)
5030(3)
                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job,
                       receiving benefits from all plans on main job,
                       no further plans, plan not like type B,
                       cannot borrow against account, no loan against
                       account)



7694(1)     R34.3  Where did you tell me about this loan?
7695(2)
7696(3)
7721(1)
7722(2)
7723(3)
            R82.3  Where did you tell me about this loan?

                   Code up to 5 characters
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job,
                       receiving benefits from all plans on main job,
                       no further plans, plan not like type B,
                       cannot borrow against account, no loan against
                       account, did not tell about this loan earlier)



4231(1)     R35.   If you needed money in an emergency, could you withdraw
4331(2)            some of the funds in that account?  (CODE "YES" EVEN IF
4431(3)            WITHDRAWAL INVOLVES PENALTY.)                              
4831(1)     R83.   If (he/she) needed money in an emergency, could (he/she)
4931(2)            withdraw some of the funds in that account?  (CODE "YES"
5031(3)            WITHDRAWAL INVOLVES PENALTY.)


                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job,
                       receiving benefits from all plans on main job,
                       no further plans, plan not like type B)


4232(1)    R36.   If you were to (leave this job/sell the business) now,
4332(2)           would you lose all, some, or none of the money in this
4432(3)           account?                                                   
4832(1)    R84.   If (he/she) were to (leave this job/sell the business)
4932(2)           now, would (he/she) lose all, some, or none of the money   
5032(3)           in this account?

                   1.  ALL
                   3.  SOME
                   5.  NONE
                  -7.  OTHER
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job,
                       receiving benefits from all plans on main job,
                       no further plans, plan not like type B)


4233(1)     R36.1  What proportion would you lose?                            
4333(2)            (ASKED IF R36=SOME OR OTHER, FILLED IN IF R36=ALL)
4433(3)            -- PERCENT
4833(1)     R84.1  What proportion would (he/she) lose?
4933(2)            (ASKED IF R84=SOME OR OTHER, FILLED IN IF R84=ALL)
5033(3)            -- PERCENT


                   Code PERCENT to 2 decimal places
                   -1.  Nothing
                    0.  Inap. (No spouse, not currently working,
                        not included in pension plan on main job,
                        receiving benefits from all plans on main job,
                        no further plans, plan not like type B, would
                        lose none)

7697(1)     R36.1  What proportion would you lose?                            
7698(2)            (ASKED IF R36=SOME OR OTHER, FILLED IN IF R36=ALL)
7699(3)            -- AMOUNT
7724(1)     R84.1  What proportion would (he/she) lose?
7725(2)            (ASKED IF R84=SOME OR OTHER, FILLED IN IF R84=ALL)
7726(3)            -- AMOUNT

                   Code $ AMOUNT
                   -1.  Nothing
                    0.  Inap. (No spouse, not currently working,
                        not included in pension plan on main job,
                        receiving benefits from all plans on main job,
                        no further plans, plan not like type B, would
                        lose none)


4234(1)    R37.   How is the money in this account invested? Is it mostly in
4334(2)           stocks, mostly in interest earning assets, is it split
4434(3)           between these, or what?                                    
4834(1)    S85.   How is the money in this account invested? Is it mostly in
4934(2)           stocks, mostly in interest earning assets, is it split   
5034(3)           between these, or what?

                   1.  MOSTLY OR ALL STOCK; stock in company
                   2.  MOSTLY OR ALL INTEREST EARNING; guaranteed
                       insurance contract (GIC)
                   3.  SPLIT
                   4.  real estate
                  -7.  OTHER
                   0.  Inap. (No spouse, not currently working,
                        not included in pension plan on main job,
                        receiving benefits from all plans on main job,
                        no further plans, plan not like type B)


4235(1)    R38.   INTERVIEWER: Is there another plan?
4335(2)    R86.   INTERVIEWER: Is there another plan?
4435(3)
4835(1)
4935(2)
5035(3)


                   1.  YES
                   2.  NO
                   0.  Inap. (No spouse, not currently working,
                        not included in pension plan on main job,
                        receiving benefits from all plans on main job,
                        no further plans, plan not like type B)


4436       R39.   (IF 4 OR MORE)  Altogether how much do you have in your
                  account balance(s) for any other pension plans or savings
                  plan(s) from this job?                                     
5036       R87.   (IF 4 OR MORE)  Altogether how much does (he/she) have
                  in (his/her) account balance(s) for any other pension plans
                  or savings plan(s) from this job?

                   Code actual amount
                   -1.  NOTHING
                    0.  Inap. (No spouse, not currently working,
                        not included in pension plan on main job,
                        receiving benefits from all plans on main job,
                        no further plans)

4437       R39a.  Altogether, what other benefit payments do you expect to
                  receive from (this/these) other pension plan(s) from this
                  job?                                                       
5037       S39a.  Altogether, what other benefit payments does (he/she)   
                  expect to receive from (this/these) other pension plan(s)
                  from this job?

                    1.  Thrift or Savings
                   -1.  NONE
                   -7.  OTHER
                    0.  Inap. (No spouse, not currently working,
                        not included in pension plan on main job,
                        receiving benefits from all plans on main job,
                        no further plans, account balance given at R/S39)



-----------------------------------------------------------------------------
SECOND JOBS
-----------------------------------------------------------------------------

4501        R40.   Are you doing any other work for pay now, such as a second
                   job, the military reserves, or (another) business of your
                   own?                                                       
5101        R88.   Is (he/she) doing any other work for pay now, such as a
                   second job, the military reserves, or (another) business   
                   of (his/her) own?

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, not currently working)


            R40.1  Is this a second job, the military reserves, your own
                   business, or what?  (CODE ALL THAT APPLY.)
4502        R40.1  A. SECOND JOB                                              
4503        R40.1  B. MILITARY (Reserves including Cost Guard, National Guard
                      Service)
4504        R40.1  C. BUSINESS                                                
4505        R40.1  D. OTHER:                                                  
            S40.1  Is this a second job, the military reserves, (his/her)
                   own business, or what?  (CODE ALL THAT APPLY.)   
5102        R88.1  A. SECOND JOB
5103        R88.1  B. MILITARY (Reserves including Cost Guard, National Guard
                      Service)
5104        R88.1  C. BUSINESS
5105        R88.1  D. OTHER:

                   1.  Checked                              
                   5.  Not checked
                   0.  Inap. (No spouse, not currently working, no
                       second job)


4506        R40.2  IWER: DOES R WORK FOR A BUSINESS REPORTED IN
                   SECTION F?                                        
5106        R88.2  IWER: DOES R WORK FOR A BUSINESS REPORTED IN
                   SECTION F? CHECK F22.                                      


                   1.  YES
                   5.  NO
                   0.    Inap. (No spouse, not currently working, no
                         second job, not working for a business)


4507       R41.   How many hours do you work on these other jobs in a normal
                  week?                                                      
5107       R89.   How many hours does (he/she) work on these other jobs in a
                  normal week?

                   Code # HOURS
                   -2.  95 hours or more; "all the time"; "24 hours a day"
                   -1.  None; hours accounted for in main job
                    0.  Inap. (No spouse, not currently working, no
                        second job)


4508        R42.   Counting paid vacations as weeks of work, how many weeks
                   do you work on these other jobs in a normal year?          
5108        R90.   Counting paid vacations as weeks of work, how many weeks
                   does (he/she) work on these other jobs in a normal year?

                   Code # WEEKS
                   0.  Inap. (No spouse, not currently working, no
                       second job)


4509        R43.   About how much do you earn before taxes from these other
                   jobs?  (Is that per hour, week, month, year, or what?)     
5109        R91.   About how much does (he/she) earn before taxes from
                   these other jobs?  (Is that per hour, week, month, year,
                   or what?)

                   Code actual amount
                   -1.  Zero; Nothing yet; Unpaid work in family
                        business/farm
                    0.  Inap. (No spouse, not currently working, no
                        second job)


4510        R43.   PER
5110        R91.   PER

                   1.  Day
                   2.  Week
                   3.  Biweekly
                   4.  Month
                   5.  Quarter
                   6.  Year
                  -7.  Other
                  14.  By the job
                  18.  Hour
                   0.  Inap. (No spouse, not currently working, no
                       second job)


4511        R44.   Thinking about all your current work for pay, do you
                   consider yourself to be working full-time or part-time? 
                   (IF R IS LAID OFF OR A SEASONAL WORKER, ASK ABOUT "JOBS
                   WHEN R IS WORKING".)                                       
5111        R92.   Thinking about all (his/her) current work for pay,
                   does(he/she) consider (himself/herself) to be working
                   full-time or part-time?  (IF S IS LAID OFF OR A SEASONAL
                   WORKER, ASK ABOUT "JOBS WHEN S IS WORKING".)

                   1.  FULL-TIME
                   2.  PART-TIME
                   0.  Inap. (No spouse, not currently working)


-----------------------------------------------------------------------------
WORK HISTORY
-----------------------------------------------------------------------------
WORK HISTORY FOR THOSE CURRENTLY WORKING FULL-TIME


4512        R45.   (READ SLOWLY:)  Now I have a few questions about your past
                   jobs.  Including any periods of self-employment, the
                   military, and your current job, since you were 18, how
                   many years have you worked full-time?  (Roughly how
                   many years?)          
5112        R93.   (READ SLOWLY:)  Now I have a few questions about
                   (his/her)past jobs.  Including any periods of self-
                   employment, the military, and (his/her) current job,
                   since (he/she) was18, how many years has (he/she)
                   worked full-time for all or most of the year?
                   (Roughly how many years?)

                   Code # YEARS
                   -1.  LESS THAN 1 YEAR
                    0.  Inap. (No spouse, R/S44 not full-time)


4513        R45.1  Including any self-employment and your current job, for
                   how many different employers have you worked in full-time
                   jobs lasting one year or more?                             
5113        R93.1  Including any selfemployment and (his/her) current job,
                   for how many different employers has (he/she) worked in
                   full-time jobs lasting one year or more?

                   Code # EMPLOYERS
                   -1.  None; not yet worked a full time year
                    0.  Inap. (No spouse, R/S44 not full-time)


4514        R45.2  Now, not counting your current job, have you ever had a
                   full-time job that lasted for three years or more?         
5114        S93.2  Now, not counting (his/her) current job, has (he/she) ever
                   had a full-time job that lasted for three years or more?

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, R/S44 not full-time, less
                       than 1 year of full-time employment)


4515        R45.3  I want to know about the longest such job you had.  Did
                   you work for someone else, were you self-employed, or
                   what?                                                      
5115        R93.3 I want to know about the longest such job (he/she) had.
                  Did (he/she) work for someone else, was (he/she) self-
                  employed, or what?

                   1.  SOMEONE ELSE
                   2.  SELF-EMPLOYED
                   3.  partnership
                  -7.  Other
                   0.  Inap. (No spouse, R/S44 not full-time, no past
                       job of 3 or more years)


7405        R45.4  What sort of work were you doing when you left that job?  
                   (Tell me a little more about what you did.)                
7415        R93.4  What sort of work was (he/she) doing when (he/she) left
                   that job?  (Tell me a little more about what [he/she] did.)

                   Code 3-digit 1980 Census OCCUPATION Code
                   0.  Inap. (No spouse, R/S44 not full-time, no past
                       jobs of 3 or more years)


7406        R45.5  What kind of business or industry did you work in -- that
                   is, what did they make or do at the place where you
                   worked?                                                    
7416        R93.5  What kind of business or industry did (he/she) work in
                   -- that is, what did they make or do at the place where 
                   (he/she) worked?

                   Code 3-digit 1980 Census INDUSTRY Code
                   0.  Inap. (No spouse, R/S44 not full-time, no past
                       jobs of 3 or more years)


4518       R45.6  In what year did you start working at that job?
5118       R93.6  In what year did (he/she) start working at that job?

                   Code YEAR
                   0.  Inap. (No spouse, R/S44 not full-time, no past
                       jobs of 3 or more years)


4519        R45.7 In what year did you stop working at that job?
5119        R93.7 In what year did (he/she) stop working at that job?

                   Code YEAR
                   -1.  Didn't stop; still working in this job
                    0.  Inap. (No spouse, R/S44 not full-time, no past
                       jobs of 3 or more years)


4520        R45.8 About how much were you earning before taxes when you
                  stopped?  (Is that per hour, week, month, year, or what?)  
5120        R93.8 About how much was (he/she) earning before taxes when
                  (he/she) stopped?  (Is that per hour, week, month, year,
                  or what?)

                   Code actual amount
                  -1.  Nothing; zero; "had a loss"
                   0.  Inap. (No spouse, R/S44 not full-time, no past
                       jobs of 3 or more years)


4521       R45.8  PER
5121       R93.8  PER

                   1.  Day
                   2.  Week
                   3.  Biweekly
                   4.  Month
                   5.  Quarter
                   6.  Year
                  -7.  Other
                  18.  Hour
                   0.  Inap. (No spouse, R/S44 not full-time, no past
                       jobs of 3 or more years)


4522        R45.9  Since you were 18, have there been years when you only
                   worked part-time?              
5122        R93.9 Since (he/she) was 18, have there been years when (he/she)
                  only worked part-time?

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, R/S44 not full-time)


4523        R45.10 About how many years in total did you work part-time?
5123        R93.10 About how many years in total did (he/she) work part-time?

                   Code # YEARS
                   -1.  None
                    0.  Inap. (No spouse, R/S44 not full-time, never
                        worked part-time for most of a year)


4524        R45.11 Thinking now of the future, when do you expect to stop
                   working full-time? -- YEARS
5124        R93.11 Thinking now of the future, when does (he/she) expect to
                   stop working full-time? -- YEARS

                   Code YEARS
                   -1.  NEVER STOP
                    0.  Inap. (No spouse, R/S44 not full-time)

7728        R45.11 Thinking now of the future, when do you expect to stop
                   working full-time? -- AGE
7727        R93.11 Thinking now of the future, when does (he/she) expect to
                   stop working full-time? -- AGE

                   Code AGE
                   -1.  NEVER STOP
                    0.  Inap. (No spouse, R/S44 not full-time)


4525        R45.12 Do you expect to work part-time after that?
5125        R93.12 Does (he/she) expect to work part-time after that?

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, R/S44 not full-time, never
                       expects to stop working full-time)


4526        R45.13 In what year do you expect to stop working
                   altogether? -- YEAR  
5126        S45.13 In what year does (he/she) expect to stop working 
                   altogether? -- YEAR

                   Code YEARS
                   -1.  NEVER STOP
                    0.  Inap. (No spouse, R/S44 not full-time, never
                        expects to stop working full-time, does not
                        expect to work part-time after ending full-time work)

7700        R45.13 In what year do you expect to stop working
                   altogether? -- AGE
7729        S45.13 In what year does (he/she) expect to stop working 
                   altogether? -- AGE

                   Code AGE
                   -1.  NEVER STOP
                    0.  Inap. (No spouse, R/S44 not full-time, never
                        expects to stop working full-time, does not
                        expect to work part-time after ending full-time work)


WORK HISTORY FOR THOSE CURRENTLY WORKING PART-TIME

4527        R46.   Now I have a few questions about your past work. 
                   Including any periods of self-employment
                   and your current job, since you were 18, about how many
                   years in total have you worked part-time for all or most
                   of the year?  (Roughly how many years?)                    
5127        R94.   Now I have a few questions about (his/her) past work.
                   Including any periods of self-employment  
                   and (his/her) current job, since (he/she) was 18, about
                   how many years in total has (he/she) worked part-time for
                   all or most of the year?  (Roughly how many years?)

                   Code # YEARS
                   -1.  LESS THAN 1 YEAR 
                    0.  Inap. (No spouse, R/S44 not part-time)


4528        R46.1  Since you were 18, have you ever worked full-time for pay
                   --including any self-employment and the military?          
5128        R94.1  Since (he/she) was 18, has (he/she) ever worked fulltime
                   for pay -- including any selfemployment and the military?

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, R/S44 not part-time)


4529        R46.2  How many years have you worked full-time for all or most
                   of the year?  (Roughly how many years?)                    
5129        R94.2  How many years has (he/she) worked full-time for all or
                   most of the year?  (Roughly how many years?)

                   Code # YEARS
                   -1.  None
                    0.  Inap. (No spouse, R/S44 not part-time, never
                        worked full-time)


4530       R46.3  INTERVIEWER CHECKPOINT -- SEE R46.2                        
5130       R94.3  INTERVIEWER CHECKPOINT -- SEE R94.2
                   1.  R/S HAS WORKED FULL-TIME AT LEAST 5 YEARS OR DK
                   2.  ALL OTHERS
                   0.  Inap. (No spouse, R/S not part-time, never
                        worked full-time)


4531        R46.4  In what year did you last work full time for pay? 
5131        R94.4  In what year did (he/she) last work full time for pay?

                   Code YEAR
                   0.  Inap. (No spouse, R/S44 not part-time, never
                       worked full-time, worked full-time 5 or more years)


4532        R46.5  About how much did you earn before taxes that year? (Is
                   that per hour, week, month, year, or what?)                
5132        R94.5  About how much did (he/she) earn before taxes that year?
                   (Is that per hour, week, month, year, or what?)

                   Code actual amount
                  -1.  Nothing; zero; "had a loss"
                   0.  Inap. (No spouse, R/S44 not part-time, never
                       worked full-time, worked full-time 5 or more years)


4533       R46.5  PER
5133       R94.5  PER

                   1.  Day
                   2.  Week
                   4.  Month
                   5.  Quarter
                   6.  Year
                  -7.  Other
                  18.  Hour
                   0.  Inap. (No spouse, R/S44 not part-time, never
                       worked full-time, worked full-time 5 or more years)


4534        R46.6  Including any self-employment and your current job, for
                   how many different employers have you worked in full-time
                   jobs lasting one year or more?                             
5134        R94.6  Including any self-employment and (his/her) current
                   job,for how many different employers has (he/she) worked
                   in full-time jobs lasting one year or more?

                   Code # EMPLOYERS
                   -1.  None
                    0.  Inap. (No spouse, R/S44 not part-time, never
                        worked full-time, worked full-time fewer than
                        5 years)


4535       R46.7  I want to know about the longest full-time job you had. 
                  Did you work for someone else, were you self-employed, or
                  what?                                                      
5135       R94.7  I want to know about the longest fulltime job (he/she)had.
                  Did (he/she) work for someone else, was (he/she)
                  self-employed, or what?

                   1.  SOMEONE ELSE
                   2.  SELF-EMPLOYED
                   3.  partnership
                  -7.  OTHER
                   0.  Inap. (No spouse, R/S44 not part-time, never
                       worked full-time, worked full-time fewer than
                       5 years)


7407        R46.8  What sort of work were you doing?  
                   (Tell me a little more about what you did.)                
7417        R94.8  What sort of work was (he/she) doing?
                    (Tell me a little more about what [he/she] did.)

                   Code 3-digit 1980 Census OCCUPATION Code
                   0.  Inap. (No spouse, R/S44 not part-time, never
                       worked full-time, worked full-time fewer than
                       5 years)


7408        R46.9  What kind of business or industry did you work in -- that
                   is, what did they make or do at the place where you
                   worked?                                                    
7418        R94.9  What kind of business or industry did (he/she) work in
                   that is, what did they make or do at the place where
                   (he/she) worked?

                   Code 3-digit 1980 Census INDUSTRY Code
                   0.  Inap. (No spouse, R/S44 not part-time, never
                       worked full-time, worked full-time fewer than
                       5 years)


4538       R46.10 When did you start working at that job?                    
5138       R94.10 When did (he/she) start working at that job?

                   Code YEAR
                   0.  Inap. (No spouse, R/S44 not part-time, never
                       worked full-time, worked full-time fewer than
                       5 years)


4539        R46.11 When did you stop working full-time at that job?
5139        R94.11 When did (he/she) stop working full-time at that job?

                   Code YEAR
                   -1.  Didn't stop; still working (part-time) at that job
                    0.  Inap. (No spouse, R/S44 not part-time, never
                        worked full-time, worked full-time fewer than
                        5 years)


4540        R46.12 About how much were you earning before taxes when you
                   stopped?  (Is that per hour, week, month, year, or what?)  
5140        R94.12 About how much was (he/she) earning before taxes when
                   (he/she) stopped?  (Is that per hour, week, month, year,
                   or what?)

                   Code actual amount
                   -1.  Nothing; zero; "had a loss"
                    0.  Inap. (No spouse, R/S44 not part-time, never
                        worked full-time, worked full-time fewer than
                        5 years)


4541       R46.12 PER                                                        
5141       R94.12 PER

                   1.  Day
                   2.  Week
                   3.  Biweekly
                   4.  Month
                   5.  Quarter
                   6.  Year
                  -7.  Other
                  18.  Hour
                   0.  Inap. (No spouse, R/S44 not part-time, never
                       worked full-time, worked full-time fewer than
                       5 years)


4542        R46.13 In what year did you last work full-time for pay?        
5142        R94.13 In what year did (he/she) last work fulltime for pay?
                   Code YEAR
                   0.  Inap. (No spouse, R/S44 not part-time, never
                       worked full-time, worked full-time fewer than
                       5 years)


4543        R46.14 Thinking now of the future, do you expect to do any full
                   -time work for pay?                                        
5143        R94.14 Thinking now of the future, does (he.she) expect to do
                   any full-time work for pay?

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, R/S44 not part-time)


4544       R46.15 In what year do you expect to start working full-time?
5144       R94.15 In what year does (he/she) expect to start working full-time?

                   Code # YEARS
                   0.  Inap. (No spouse, R/S44 not part-time, does not
                       expect to work full-time in future)


4545        R46.16 And in what year do you expect to stop working
                   full-time? -- YEARS 
5145        R94.16 And in what year does (he/she) expect to stop
                   working full-time? -- YEARS

                   Code # YEARS
                   -1 .  NEVER STOP
                    0.  Inap. (No spouse, R/S44 not part-time, does not
                        expect to work full-time in future)

7701        R46.16 And in what year do you expect to stop working
                   full-time? -- AGE
7730        R94.16 And in what year does (he/she) expect to stop
                   working full-time? -- AGE

                   Code AGE
                   -1.  NEVER STOP
                    0.  Inap. (No spouse, R/S44 not part-time, does not
                        expect to work full-time in future)

4546        R46.17 In what year do you expect to stop working for
                   pay altogether? -- YEARS     
5146        R94.17 In what year does (he/she) expect to stop working for pay
                   altogether? -- YEARS

                   Code # YEARS
                   -1.  NEVER STOP
                    0.  Inap. (No spouse, R/S44 not part-time, never
                        expects to stop full-time work)

7702        R46.17 In what year do you expect to stop working for
                   pay altogether? -- AGE
7731        R94.17 In what year does (he/she) expect to stop working for pay
                   altogether? -- AGE

                   Code AGE
                   -1.  NEVER STOP
                    0.  Inap. (No spouse, R/S44 not part-time, never
                        expects to stop full-time work)


WORK HISTORY FOR THOSE CURRENTLY RETIRED/DISABLED, HOMEMAKER, STUDENT,
OR OTHER                    

4601        R47.   Since you were 18 have you ever worked full-time for pay?  
5201        R95.   Since (he/she) was 18 has (he/she) ever worked full time
                   for pay?

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, currently working)


4602        R47.1  How many years have you worked full-time for all or most
                   of the year?  Include any periods of self-employment, and
                   the military.  (Roughly how many years?)                   
5202        R95.1  How many years has (he/she) worked full time for all or
                   most of the year?  Include any periods of self-employment,
                   and the military.  (Roughly how many years?)

                   Code # YEARS
                   -1.  None
                    0.  Inap. (No spouse, currently working, never
                        worked full-time)


4603        R47.2  INTERVIEWER CHECKPOINT
5203        R95.2  INTERVIEWER CHECKPOINT

                   1.  R HAS WORKED AT LEAST 5 YEARS OR MORE FULL-TIME OR DK 
                   2.  ALL OTHERS
                   0.  Inap. (No spouse, currently working, never
                       worked full-time)


4604        R47.3  When did you last work full-time for pay?                  
5204        R95.3  When did (he/she) last work full time for pay?

                   Code YEAR
                   0.  Inap. (No spouse, currently working, never
                       worked full-time, worked full-time 5 years or more)


4605        R47.4  About how much did you earn before taxes that year? (Is
                   that per hour, week, month, year, or what?)
5205        R95.4  About how much did (he/she) earn before taxes that year?   
                   (Is that per hour, week, month, year, or what?)

                   Code actual amount
                  -1.  Nothing; zero; "had a loss"
                   0.  Inap. (No spouse, currently working, never
                       worked full-time, worked full-time 5 years or more)


4606        R47.4  PER                                                        
5206        R95.4  PER

                   1.  Day
                   2.  Week
                   3.  Biweekly
                   4.  Month
                   5.  Quarter
                   6.  Year
                  -7.  Other
                  18.  Hour
                   0.  Inap. (No spouse, currently working, never
                       worked full-time, worked full-time 5 years or more)


4607        R47.5  Including any self-employment and your current job, for
                   how many different employers have you worked in full-time
                   jobs lasting one year or more?                             
5207        R95.5  Including any self-employment and (his/her) current job,
                   for how many different employers has (he/she) worked in 
                   full-time jobs lasting one year or more?

                   Code # EMPLOYERS
                   -1.  None
                    0.  Inap. (No spouse, currently working, never
                       worked full-time, worked full-time less than
                       5 years)


4608        R47.6  I want to know about the longest full-time job you had. 
                   Did you work for someone else, were you self-employed, or
                   what?                                                      
5208        R95.6  I want to know about the longest full-time job (he/she)
                   had.  Did (he/she) work for someone else, was (he/she)    
                   self-employed, or what?

                   1.  SOMEONE ELSE
                   2.  SELF-EMPLOYED
                   3.  partnership
                  -7.  OTHER
                   0.  Inap. (No spouse, currently working, never
                       worked full-time, worked full-time less than
                       5 years)


7409        R47.7  What sort of work were you doing when you left that job?  
                   (Tell me a little more about what you did.)                
7419        R95.7  What sort of work was (he/she) doing when (he/she) left   
                   that job?  (Tell me a little more about what [he/she]
                   did.)

                   Code 3-digit 1980 Census OCCUPATION Code
                   0.  Inap.


7410       R47.8  What kind of business or industry did you work in -- that
                  is, what did they make or do at the place where you
                  worked?                                                    
7420       R95.8  What kind of business or industry did (he/she) work in --
                  that is, what did they make or do at the place where    
                  (he/she) worked?

                   Code 3-digit 1980 Census INDUSTRY Code
                   0.  Inap. (No spouse, currently working, never
                       worked full-time, worked full-time less than
                       5 years)


4611        R47.9  In what year did you start working at that job?
5211        R95.9  In what year did (he/she) start working at that job?

                   Code YEAR 
                   0.  Inap. (No spouse, currently working, never
                       worked full-time, worked full-time less than
                       5 years)


4612        R47.10 In what year did you stop working at that job?
5212        R95.10 In what year did (he/she) stop working at that job?

                   Code YEAR
                   0.  Inap. (No spouse, currently working, never
                       worked full-time, worked full-time less than
                       5 years)


4613       R47.11  About how much were you earning before taxes when you
                  stopped?  (Is that per hour, week, month, year, or what?)  
5213       R95.11  About how much was (he/she) earning before taxes when
                  (he/she) stopped?  (Is that per hour, week, month, year,   
                  or what?)

                   Code actual amount
                   -1.  Nothing; zero; "had a loss"
                    0.  Inap. (No spouse, currently working, never
                        worked full-time, worked full-time less than
                        5 years)


4614        R47.11  PER                                                        
5214        R95.11  PER

                   1.  Day
                   2.  Week
                   3.  Biweekly
                   4.  Month
                   5.  Quarter
                   6.  Year
                  -7.  Other
                  18.  Hour
                   0.  Inap. (No spouse, currently working, never
                       worked full-time, worked full-time less than
                       5 years)


4615       R47.12  Since you were 18, were there any years when you (only)
                   worked part-time for all or most of the year?              
5215       R95.12  Since (he/she) was 18, were there any years when (he/she)   
                   (only) worked part-time for all or most of the year?

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, currently working)


4616        R47.13  For about how many years did you work part-time (for all
                    or most of the year)?                                      
5216        R95.13  For about how many years did (he/she) work part-time (for
                    all or most of the year)?

                   Code # YEARS
                   -1.  None
                    0.  Inap. (No spouse, currently working, never
                       worked part-time)


4617        R47.14  Do you expect to work for pay in the future?               
5217        R95.14  Does (he/she) expect to work for pay in the future?

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, currently working)


4618       R47.15  In what year do you expect to start working?
5218       R95.15  In what year does (he/she) expect to start working?

                   Code # YEARS
                    0.  Inap. (No spouse, currently working, does not
                        expect to work in future)


4619        R47.16  Will any of that be full-time work?                        
5219        R95.16  Will any of that be full-time work?

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, currently working, does not
                       expect to work in future)


4620        R47.17  In what year do you expect to start working full-time?
5220        R95.17  In what year does (he/she) expect to start working
                    full-time?

                    Code # YEARS
                    0.  Inap. (No spouse, currently working, does not
                        expect to work in future, does not expect to
                        work full-time in future)


4621        R47.18  And in what year do you expect to stop working
                    full-time? -- YEARS          
5221        R95.18  And in what year does (he/she) expect to stop 
                    working full-time? -- YEARS

                    Code # YEARS
                   -1.  NEVER STOP
                    0.  Inap. (No spouse, currently working, does not
                        expect to work in future, does not expect to
                        work full-time in future)

7703        R47.18  And in what year do you expect to stop working
                    full-time? -- AGE
7732        R95.18  And in what year does (he/she) expect to stop 
                    working full-time? -- AGE

                    Code AGE
                   -1.  NEVER STOP
                    0.  Inap. (No spouse, currently working, does not
                        expect to work in future, does not expect to
                        work full-time in future)


4622        R47.19  In what year do you expect to stop working for
                    pay altogether? -- YEARS    
5222        R95.19  In what year does (he/she) expect to stop working for pay
                    altogether? -- YEARS

                    Code # YEARS
                   -1.  NEVER STOP
                    0.  Inap. (No spouse, currently working, does not
                        expect to work in future, does not expect to
                        work full-time in future, never expects to
                        stop full-time work in future)

7704        R47.19  In what year do you expect to stop working for
                    pay altogether? -- AGE
7733        R95.19  In what year does (he/she) expect to stop working for pay
                    altogether? -- AGE

                    Code AGE
                   -1.  NEVER STOP
                    0.  Inap. (No spouse, currently working, does not
                        expect to work in future, does not expect to
                        work full-time in future, never expects to
                        stop full-time work in future)



INFORMATION LINKED FROM 1992 CURRENT POPULATION SURVEY BY OCCUPATION CODE
FOR PRIOR JOB

8171 (R)    R:    Unconditional mean wage for occupation group in 1992
8172 (S)

           For each occupation group, regressions were run separately
           for males and females of the log of annualized wages on a
           constant, a spline on age (AGE, MAX(0, AGE-35),
           MAX(0,AGE-55)), a dummy variable for part-time employment
           (1 = working 20 or fewer hours per week), a dummy variable
           for self-employment (1 = self-employed), a dummy for race
           (1 = Hispanic or non-white), and dummy variables for years
           of education (1 = : 12 years of education, some college or
           an Associate's degree, Bachelor's degree, higher degree
           than Bachelor's degree).  If there were too few people in a CPS
           3-digit occupation group, either the SCF case was matched to
           a neighboring occupation group, or the match was made at the
           level of the 2-digit occupation code.  Some of the model
           coefficients may be identically zero where there are too few
           cases in the appropriate cells in the CPS to identify the
           coefficients.


8125 (R)    R:    10000 * Intercept
8126 (S)

8119 (R)    R:    For age in [1, 35]: 10000 * Coefficient of AGE
8120 (S)

8121 (R)    R:    For age in [36, 55]: 10000 * Coefficient of MAX(0,AGE-35)
8122 (S)

8123 (R)    R:    For age in [55, 999]: 10000 * Coefficient of MAX(0,AGE-55)
8124 (S)

8332 (R)    R:    10000 * Coefficient of dummy for part-time employment
8333 (S)

8334 (R)    R:    10000 * Coefficient of dummy for self-emlpoyment
8335 (S)

8336 (R)    R:    10000 * Coefficient of dummy for Hispanic or nonwhite
8337 (S)

8338 (R)    R:    10000 * Coefficient of dummy for 12 years of education
8339 (S)

8340 (R)    R:    10000 * Coefficient of dummy for some college or 
8341 (S)          Associate's degree

8342 (R)    R:    10000 * Coefficient of dummy for Bachelor's degree
8343 (S)

8344 (R)    R:    10000 * Coefficient of dummy for higher degree than
8345 (S)          Bachelor's degree

8127 (R)    R:    10000 * Standard error log regression
8128 (S)

8129 (R)    R:    Annualized level of expected income from regression
8130 (S)          (corrected for non-zero expectation of error term
                  for level)


-----------------------------------------------------------------------------
SOCIAL SECURITY, CURRENTLY RECEIVED PENSIONS, PENSIONS TO BE RECEIVED
IN THE FUTURE
-----------------------------------------------------------------------------

5301        R96.   Are you (or your [husband/wife/partner]) currently
                   receiving Social Security benefit payments, or any
                   other type of pension, retirement, or disability
                   benefit payment?         
                   (DO NOT INCLUDE SUPPLEMENTAL SECURITY INCOME (SSI).
                   INTERVIEWER: IF R ANSWERED "YES" AT R17.1 OR S ANSWERED
                   "YES" AT R65.1 THAT PENSION SHOULD BE REPORTED HERE.)

                   1.  YES
                   5.  NO


5302        R96.1  Do these include Social Security benefit payments?       

                   1.  YES
                   5.  NO
                   0.  Inap. (Not receiving pension or Social Security
                       income)


            R96.2  Are you both receiving Social Security payments or is
                   only one of you?  [Which one?]
                   IWER: CHECK PERSON(S) (RESP, SPOUSE) IN R96.3  THEN ASK
                         FOLLOWUP QUESTIONS R96.4-R96.6 FOR EACH. 
5303        R96.3  RECIPIENT -- RESPONDENT                                    
5308        R96.3  RECIPIENT -- SPOUSE                                        

                   1.  Checked
                   5.  Not checked (including no spouse)
                   0.  Inap. (not receiving pension or Social Security
                       benefits: X5301^=1; not receiving Social Security:
                       X5302^=1)


5304        R96.4  Are the payments for retirement, disability or
5309               survivors benefits?                           

                   1.  RETIREMENT
                   2.  DISABILITY
                   3.  Widow's/survivor's benefits
                  -7.  Other
                   0.  Inap. (Not receiving pension or Social Security
                       income, no spouse, PERSON not receiving Social
                       Security benefits)


5305        R96.5  How long (have you/has he/has she) received these
5310               benefits? -- YEARS
                   Code # YEARS
                   0.  Inap. (Not receiving pension or Social Security
                       income, no spouse, PERSON not receiving Social
                       Security benefits)

7734        R96.5  How long (have you/has he/has she) received these
7735               benefits? -- SINCE 19__

                   Code SINCE WHAT YEAR
                   0.  Inap. (Not receiving pension or Social Security
                       income, no spouse, PERSON not receiving Social
                       Security benefits)


5306       R96.6  How much (do you/does he/does she) receive each month or
5311               year?                                                      

                   Code actual amount
                   0.  Inap. (Not receiving pension or Social Security
                       income, no spouse, PERSON not receiving Social
                       Security benefits)


5307        R96.6  PER                                                        
5312

                   4.  Month
                   5.  Quarter
                   6.  Year
                  -7.  Other
                   0.  Inap. (Not receiving pension or Social Security
                       income, no spouse, PERSON not receiving Social
                       Security benefits)


5313        R97.   Are you (or your [husband/wife/partner]) currently
                   receiving any other retirement, pension, or
                   disability benefit payments?

                   1.  YES
                   5.  NO
                   0.  Inap.


5314       R97.1  Not counting Social Security, how many retirement, pension
                  or disability benefit payments are you (and your
                  [husband/wife/partner]) currently receiving?
                  (DO NOT INCLUDE INCOME FROM IRA AND KEOGH ACCOUNTS 
                  ALREADY REPORTED.) (ASKED IF R/S RECEIVING SOCIAL
                    SECURITY BENEFITS, INFERRED FOR OTHERS)

                   Code # PENSION/DISABILITY PAYMENTS
                   0.  Inap. (Not receiving pension or Social Security
                       income)


            R97.2  (For the first/second/next benefit) who is
                   receiving these benefit payments, you or your
                   (husband/wife/partner), and what kind are they?
                   IWER: MARK ONE RECIPIENT AND TYPE OF BENEFIT FOR ALL
                         BENEFITS REPORTED. THEN ASK FOLLOWUP QUESTIONS R97d-
                         R97h FOR EACH BENEFIT.
5315(#1)           RECIPIENT                                                  
5323(#2)
5331(#3)           1.  RESPONDENT
5415(#4)           2.  SPOUSE
5423(#5)           0.  Inap. (Not receiving pension or Social Security
                       income, no spouse)
5431(#6)


           R97.3  Is this a benefit from your current job, past job, a
                  disability or military benefit, spouse's pension or
                  something else?

5316(#1)          TYPE OF BENEFIT                                            
5324(#2)
5332(#3)            1.  CURR JOB PENS
5416(#4)            2.  PAST JOB PENS                       
5424(#5)            3.  DISABILITY
5432(#6)            4.  MILITARY (retirement or disability)
                    5.  SPOUSE PENS
                   11.  Union pension
                   -7.  OTHER
                    0.  Inap. (Not receiving pension or Social Security
                       income, no further benefits)
                    For the public use tape, Union pension (11) and
                    Past job pension (2) are combined in 2.


5317(#1)    R97.4  How long have (you/he/she) received this benefit?   
5325(#2)           -- YEARS
5333(#3)          
5417(#4)           Code # YEARS
5425(#5)           0.  Inap. (Not receiving pension or Social Security
5433(#6)               income, no further benefits)
                  -1.  0 years, since 1992

7736(#1)    R97.4  How long have (you/he/she) received this benefit?   
7738(#2)           -- SINCE 19__
7740(#3)          
7742(#4)           Code SINCE WHAT YEAR
7744(#5)           0.  Inap. (Not receiving pension or Social Security
7746(#6)               income, no further benefits)




5318(#1)    R97.5  How much is received each month or year?                   
5326(#2)
5334(#3)           Code actual amount
5418(#4)           0.  Inap. (Not receiving pension or Social Security
5426(#5)               income, no further benefits)
5434(#6)


5319(#1)    R97.5  PER                                                        
5327(#2)
5335(#3)
5419(#4)
5427(#5)           4.  Month
5435(#6)           6.  Year
                   0.  Inap. (Not receiving pension or Social Security
                       income, no further benefits)


5320(#1)    R97.6  Has this benefit been increased when the cost of living
5328(#2)           has increased?                                             
5336(#3)
5420(#4)           1.  YES
5428(#5)           5.  NO
5436(#6)           0.  Inap. (Not receiving pension or Social Security
                       income, no further benefits)


5321(#1)   R97.7  INTERVIEWER CHECKPOINT: IS R LEGALLY MARRIED?
5329(#2)
5337(#3)
5421(#4)           1.  YES
5429(#5)           5.  NO
5437(#6)           0.  Inap. (Not receiving pension or Social Security
                       income, no further benefits)



5322(#1)   R97.8  If (RECIPIENT) were to die, what percent of this benefit
5330(#2)           would (you/your husband/your wife) continue to receive or
5338(#3)           would the benefits stop?                                   
5422(#4)
5430(#5)           Code PERCENT to 2 decimal places
5438(#6)           -1.  STOP
                   -7.  OTHER
                    0.  Inap. (Not receiving pension or Social Security
                       income, no further benefits, no spouse)



7737(#1)   R97.9  IS THERE ANOTHER BENEFIT?
7739(#2)
7741(#3)
7743(#4)           1.  YES
7745(#5)           5.  NO
                   0.  Inap. (Not receiving pension or Social Security
                       income, no further benefits)


5501        R98.   Have you (or your [husband/wife/partner]) ever
                   received a cash settlement from a pension or
                   retirement plan of a previous job?

                   1.  YES
                   5.  NO


5502        R98.1  How many different cash settlements have you (or your
                   [husband/wife]) received?                                  

                   Code # CASH SETTLEMENTS
                   0.  Inap. (No cash settlements)


           R98.2   Who received (this/the first/second/etc) cash
                   settlement, you or your (husband/wife/partner)?

5503(#1)           WHO                                                        
5506(#2)
5509(#3)           1.  RESPONDENT
5512(#4)           2.  SPOUSE
5515(#5)           0.  Inap. (No cash settlements, no further settlements)


           R98.3   What was the amount of this (first/second/third/
                   fourth/fifth) cash settlement?

5504(#1)           AMOUNT                                                     
5507(#2)
5510(#3)           Code actual amount
5513(#4)           0.  Inap. (No cash settlements, no further settlements)
5516(#5)



           R98.4   In what year was (this/the first/second/
                   third/fourth/fifth) cash settlement received?
          

5505(#1)           YEAR RECEIVED                                              
5508(#2)
5511(#3)           Code YEAR
5514(#4)           0.  Inap. (No cash settlements, no further settlements)
5517(#5)



7747(#1)   R98.5   INTERVIEWER: Is there another settlement?
7748(#2)
7749(#3)           1.  YES
7750(#4)           5.  NO
                   0.  Inap. (No cash settlements, no further settlements)


5601        R99.   Now I want to ask about future pension benefits that you
                   (and your[husband/wife/partner]) have earned rights
                   to from your past or current jobs.  Aside
                   from Social Security and any pension benefits you have
                   already told me about, do you (and your [husband/wife/
                   partner]) expect to receive any (other) pension
                   benefits in the future?                                 

                   1.  YES
                   5.  NO


5602       R99.1   How many such benefits do you (and your [husband/wife/
                   partner]) expect to receive in the future?

                   Code # FUTURE BENEFITS
                   0.  Inap. (No other future pension benefits)


5606(A)    R99.2   Who expects to receive (this/the largest/the next) benefit?
5614(B)
5622(C)            1.  RESPONDENT
5630(D)            2.  SPOUSE
5638(E)            0.  Inap. (No other future pension benefits)
5646(F)
 

5603(A)    R99.3   About (this/the largest/the next) benefit, is this from a
5611(B)            pension plan where a certain amount of money is
5619(C)            accumulated in an account for you, a formula plan that
5627(D)            will give you a specific amount of income each month or
5635(E)            year when you retire, or what?                             
5643(F)
                   1.  INCOME FORMULA
                   2.  ACCOUNT
                   3.  BOTH
                   0.  Inap. (No other future pension benefits, no
                       further future pension benefits)


5604(A)     R99.4  How much is in the account now?                            
5612(B)
5620(C)            Code actual amount
5628(D)            0. Inap. (No other future pension benefits, no
5636(E)               further future pension benefits, an income-formula
5644(F)               pension)



5605(A)    R99.5  Is this part of an IRA, Keogh or pension I
5613(B)           recorded earlier? (Which?)
5621(C)
5629(D)            1.  R claimed YES IRA/KEOGH, but no such IRA/KEOGH
5637(E)            2.  R claimed YES PENSION, but no such PENSION
5645(F)            5.  NO
                   0.  Inap. (No other future pension benefits, no
                       further future pension benefits, not account-type
                       pension)


5607(A)     R99.6  When do you expect these benefits to start? __ AGE
5615(B)
5623(C)            Code AGE
5631(D)            0.  Inap. (No other future pension benefits, no
5639(E)                further future pension benefits)
5647(F)

7751(A)     R99.6  When do you expect these benefits to start? YEARS
7752(B)
7753(C)            Code YEARS
7754(D)            0.  Inap. (No other future pension benefits, no
7755(E)                further future pension benefits)
7756(F)



5608(A)     R99.7  About how much per month do you expect them to be?         
5616(B)
5624(C)            Code $ amount
5632(D)            -1.  NONE
5640(E)             0.  Inap. (No other future pension benefits, no
5648(F)                 further future pension benefits)


5609(A)    R99.7  PER                                                        
5617(B)
5625(C)
5633(D) 
5641(E)            2.  Weekly
5649(F)            4.  Month
                   5.  Quarter
                   6.  Year
                  -7.  Other
                   8.  Lump sum; one payment only
                   0.  Inap. (No other future pension benefits, no
                       further future pension benefits)



5610(A)     R99.8  INTERVIEWER: Is there another benefit?

5618(B)            1.  YES
5626(C)            5.  NO
5634(D)
5642(E)



                   0.  Inap. (No other future pension benefits, no
                       further future pension benefits)
-----------------------------------------------------------------------------
INCOME, AGI, MISC.
-----------------------------------------------------------------------------

            T1.    We have talked about various sources of income.  Now we
                   would like to get the overall picture of all the different
                   sources of income that you and members of your family
                   living here had in 1991.  Did anyone have income
                   from wages and salaries, including bonuses, overtime and
                   commissions?  (RECORD IN COLUMN T1 AND ASK T2 FOR EACH
                   SOURCE OF INCOME AS IT IS MENTIONED.)
5701        T1.1   WAGES AND SALARIES?                                        
5703        T1.2   Did (you/anyone) have income or loss from a professional
                   practice, business or farm? (Other than wages or
                   salaries)                                                  
5705        T1.3   ...non-taxable investments such as municipal bonds?        
5707        T1.4   ...other interest income?                                  
5709        T1.5   ...dividends?                                              
5711        T1.6   ...net gains or losses from the sale of stocks, bonds, or
                   real estate?                                               
5713        T1.7   ...net rent, trust income, or royalties from any other
                   investment or business?                                    
5715        T1.8   ...unemployment or worker's compensation?                  
5717        T1.9   ...child support or alimony?                               
5719        T1.10  Did (you/anyone) have income from ADC AFDC, food stamps,
                   or other forms of welfare or assistance, such as SSI?      
5721        T1.11  ...income from Social Security or other pensions,
                   annuities, or other disability or retirement programs?     

                   1.  YES
                   5.  NO


5702        T2.1   In total, how much income from (SOURCE) did you (and your
5704        T2.2   family) receive in 1991, before deductions for taxes and
5706        T2.3   anything else?  [WRITE LOSSES (  ).]                       
5708        T2.4
5710        T2.5   Code actual amount
5712        T2.6   0.  Inap. (No SOURCE income)
5714        T2.7
5716        T2.8
5718        T2.9
5720        T2.10
5722        T2.11


5723        T1.12  Did you (or anyone in your family living here) have income
                   from any other sources?  (What other sources?)             

                   1.  YES
                   5.  NO


5725(1st)  T1.12   PROBE: What other sources?
5727(2nd)
                    1.   Settlements: from lawsuits, divorce, insurance
                    2.   Gambling winnings; prize money
                    3.   Education scholarships or grants (not incl. loans);
                         G.I. Bill; "fellowships"     
                    4.   Honorarium
                   11.   "IRA", NFS; IRA withdrawal
                   12.   Inheritance/gifts            
                   13.   Other help/support from relatives
                   14.   Repayment of debts
                   15.   Income tax refund
                   21.   Care of foster child in the home
                   22.   Housing subsidy/rent paid by some (gov't) agency
                   23.   Trustee fee; executor fee
                   30.   Sale of asset (coding as capital gain/loss
                         has priority)
                   -7.   Other 
                    0.   Inap. (No other income, no additional sources
                         of other income)
                   For the public use tape, Education (3), Honoraria (4),
                   Care of foster children (21), and Other (-7) are
                   combined in -7.


5724(1st)  T2.12   In total, how much income from (SOURCE) did you (and your
5726(2nd)          family) receive in 1991, before deductions for taxes and
                   anything else?  [WRITE LOSSES (  ).]                       

                   Code actual amount
                   0.  Inap. (No other income, no additional sources
                       of other income)




5729        T3.    How much was the total income you (and your family living
                   here) received in 1991 from all sources, before taxes and
                   other deductions were made?                                

                   NOTE: Raw data of 1 indicates that Q2.1-Q2.12 added up
                         by us

                   Code actual amount
                   -1.  Zero; no income


8182        R:     Sum of values given in T2a through T2n

                   Code amount


5730       T4.     Did you (and your family living here) receive more
                   than $30,000 in 1991?


           T4.1    Was it $50,000 or more?


           
           T4.2    Was it $100,000 or more?


           T4.3    Was it $250,000 or more?


           T4.4    Was it $5,000 or more?


           T4.5    Was it $10,000 or more?


           T4.6    Was it $20,000 or more?


                   1.  Less than $5,000
                   2.  $5,000 - $10,000
                   3.  $10,000 - $20,000
                   4.  $20,000 - $30,000
                   5.  $30,000 - $50,000
                   6.  $50,000 - $100,000
                   7.  $100,000 - $250,000
                   8.  $250,000 or more
                   0.  Inap. (Q2.1-Q2.12 added up)

7650       T4.7    Is this income unusually high or low compared to
                   what you would expect in a "normal" year, or is it normal?

                   1.  HIGH
                   2.  LOW         
                   3.  NORMAL


5731       T5.    During 1991, did you (or anyone in your family living
                   here) pay any alimony or child support?                    

                   1.  YES
                   5.  NO


5732        T5.1   Altogether, how much alimony and/or child support did you
                   (and your family) pay in 1991?                             

                   Code actual amount
                   0.  Inap. (Paid no alimony or child support)


5733        T6.    During 1991, did you (or anyone in your family living
                   here) provide any (other) financial support for relatives
                   or friends who do not live here?                           

                   1.  YES
                   5.  NO


5734       T6.1   How much support did you (and your family) pay?            

                   Code actual amount
                   0.  Inap. (Provided no financial support)


            T6.2   To whom was this support given? (Anyone else?) (CODE ALL
                   THAT APPLY.)

5735        T6.2       CHILDREN UNDER 18                                       
5736        T6.2       CHILDREN 18 AND OVER                                    
5737        T6.2       PARENTS (IN-LAW)                                        
5738        T6.2       GRANDCHILDREN                                           
5739        T6.2       GRANDPARENTS                                            
5740        T6.2       SIBLINGS (IN-LAW)                                       
5741        T6.2       NIECE/NEPHEW                                            
5742        T6.2       FRIEND                                                  
5743        T6.2       OTHER                                                   


                   1.  Checked                              
                   2.  Aunt/uncle (5743 only)
                   5.  Not checked
                  -7.  Other (5743 only)
                   0.  Inap. (Provided no financial support)



5744        T7.    Did you (or your [husband/wife/partner]) file or do
                   you expect to file a 1991 Federal Income tax return?

                   1.  YES
                   5.  NO
                   6.  NOT YET FILED


5745        T7.1  INTERVIEWER CHECKPOINT -- see HHL, p.1. Is R
                  married/living with partner?

                   1.  RESPONDENT MARRIED/LIVING WITH PARTNER
                   2.  ALL OTHERS


5746        T7.2   Did/will you and your (husband/wife/partner) file a
                   joint return, did/will you file separately, or
                   did/will only one of you file?  (Which one?)

                   1.  FILE JOINTLY
                   2.  FILE SEPARATE
                   3.  ONLY R FILE
                   4.  ONLY S FILE
                   0.  Inap. (Did not file 1991 return, not married)


           T7.3   Did/will you (or your [husband/wife/partner]) file a
                  Schedule C, E or F with your return?
                  (CODE ALL THAT APPLY
                  (IF R ASKS: SCHEDULE "C" IS FOR BUSINESS INCOME OR
                  SELF-EMPLOYMENT, "E" IS FOR TRUST AND PARTNERSHIP
                  INCOME, AND "F" IS FOR FARM INCOME.)

5747        T7.3   A. SCHED C                                                 
5748        T7.3   B. SCHED E                                                 
5749        T7.3   C. SCHED F                                                 
5750        T7.3   D. NO


                   1.  Checked                              
                   5.  Not checked
                   0.  Inap. (Did not file 1991 return, filed
                       separately, only respondent/spouse/partner filed)


5751        T7.4   What was/will be your (and your
                   [husband's/wife's/partner's]) total adjusted gross
                   income (AGI) on your 1991 return?
                   (What do you think it will be?) (FORM 1040, LINE 3)

                   Code actual amount
                   -1.  Zero; nothing
                    0.  Inap. (Did not file 1991 return, filed
                        separately, only respondent/spouse/partner filed)
 

                  (IF R WAS NOT MARRIED IN 1991 OR R WAS MARRIED TO A
                   DIFFERENT PERSON, ASK FOR ADJUSTED GROSS INCOME
                   (AGI) ON THE FORM R FILES AND NOTE ANY
                   COMPLICATIONS IN THE MARGIN.)
     
            T7.5   Did you file a Schedule C, E or F
                   with your return?  (CODE ALL THAT APPLY.)                 
                   (IF R ASKS: SCHEDULE "C" IS FOR BUSINESS INCOME OR
                   SELF-EMPLOYMENT, "E" IS FOR TRUST AND PARTNERSHIP
                   INCOME, AND "F" IS FOR FARM INCOME.)

7758        T7.5   A. SCHED C
7759        T7.5   B. SCHED E
7760        T7.5   C. SCHED F
7761        T7.5   D. NO

                    1.  Checked                              
                    5.  Not checked
                    0.  Inap. (Did not file 1991 return, filed
                        jointly, only spouse/partner filed )


7651        T7.6   What will be your total adjusted gross income (AGI)
                   on your 1991 tax return? (What do you think it will
                   be?) (ASKED OF RESPONDENTS FILING SEPARATELY.)

                   Code actual amount
                   -1.  Zero; nothing
                    0.  Inap. (Did not file 1991 return, filed
                        jointly, only spouse/partner filed )

            T7.7   Did your (husband/wife/partner) file a Schedule C,
                   E, or F with your return? (CHECK ALL THAT APPLY.)
                   (ONLY SPOUSE FILED OR WILL FILE)


7762        T7.7   A. SCHED C
7763        T7.7   B. SCHED E
7764        T7.7   C. SCHED F
7765        T7.7   D. NO

                   1.  Checked                              
                   5.  Not checked
                   0.  Inap. (Did not file 1991 return, filed
                        jointly, only respondent filed)


7652        T7.8   What was (his/her) total adjusted gross income
                   (AGI) on your 1991 tax return? (What do you think
                   it will be?)


                   Code actual amount
                   -1.  Zero; nothing
                    0.  Inap. (Did not file 1991 return, filed
                        jointly, only respondent filed)


-----------------------------------------------------------------------------
INHERITANCES, MISC.
-----------------------------------------------------------------------------

5801        X1.    Have you (or your [husband/wife/partner]) ever received an
                   inheritance, or been given substantial assets in a trust
                   or in some other form?                                     

                   1.  YES  (Include if mentioned, inheritances to
                       R's resident "dependent" children--if not from R
                       or spouse.
                   5.  NO                                  


5802        X2.    How many of these have you (or your
                   [husband/wife/partner]) ever received?

                   See explanation with 8999 below.

                   Code # OF INHERITANCES, TRUSTS, OTHER TRANSFERS
                   0.  Inap. (Never received inheritances)


8357        Value of X2 reported by the respondent.

            Often respondents reported that a property, business, etc
            was inherited or was acquired as a gift, but the asset was
            not reported in the summary inheritance questions in
            Section X.  A set of rules was used to incorporate these
            assets in the summary measures.  For each asset the
            respondent reported as an inheritance/gift each
            inheritance/gift/trust in Section X was examined to see if
            there was a plausible match.  When no match could be made,
            the asset was put into the next empty data field in the
            summary measures.  Where data needed to be moved and all
            four summary positions were already used, the additional
            values were added to the fourth position.  All imputations
            were conditioned on available parital information.
            To determine which variables were added it is only
            necessary to compare X5802 and X8357.  If X8357 < X5802 then
            the positions higher than the value of X8357 were added.
            To determine whether additional amounts were added to the
            mop-up variable X5818, compare X5818 with the original
            value of that variable given by X8187.  In all cases, flag
            variables X8183-X8186 indicate which assets, it any, were
            linked with or added to the amounts in the summaray
            inheritance variables.


5803(#1)   X3.    (Thinking about the [largest/next largest] of these) was
5808(#2)           that an inheritance, a trust, or what? (CODE ALL THAT
5813(#3)           APPLY.)                                                    

                   1.  INHERITANCE
                   2.  TRUST
                   3.  Gift
                   4.  Settlements; insurance; lawsuits
                   5.  Inheritance and gift  (1 & 3 checked)
                   6.  Inheritance and trust (1 & 2 checked)
                  -7.  OTHER
                   0.  Inap. (Never received inheritances, no further
                       inheritances)


5804(#1)    X4.    What was its approximate value at the time it was
5809(#2)           received?                                                  
5814(#3)
5818(#4)    X8.    How much altogether were any others you have received?     

                  Code actual amount
                   -1.  Nothing; zero
                    0.  Inap. (Never received inheritances, no further
                        inheritances)

8187        Original value of X5818.
            See X8357 above for explanation.
                   

5805(#1)    X5.    In what year was it received?                              
5810(#2)
5815(#3)           Code YEAR
                   0.  Inap. (Never received inheritances, no further
                       inheritances)


5806(#1)   X6.    From whom was it received?                                 
5811(#2)
5816(#3)            1.  GRANDPARENT
                    2.  PARENT (incl. in-law or step-parent)
                    3.  CHILD
                    4.  AUNT/UNCLE
                    5.  SIBLING
                    6.  FRIEND
                    7.  Cousin
                   11.  Deceased spouse
                   12.  Deceased ex-spouse
                   -7.  OTHER
                    0.  Inap. (Never received inheritances, no further
                        inheritances)
                   For the public use tape, Child (3) and Other (-7)
                   are combined in -7; Deceased spouses (11) and
                   Deceased ex-spouses (12) are combined in 11.


5807(#1)    X7.    INTERVIEWER CHECKPOINT (SEE X2). Is there another
5812(#2)           inheritance, trust or transfer?
5817(#3)
                   1.  YES
                   5.  NO
                   0.  Inap. (Never received inheritances, no further
                       inheritances)



8183 (#1)   R:     Link code for inheritance/gift reported as source of
8184 (#2)          an asset earlier in the questionnaire
8185 (#3)          (Multiple links may be established:
8186 (#4)          these links are created by successively summing
                   multiple link codes multiplied by 100 -- e.g. 1506
                   indicates that there were unlinked assets reported
                   at a grid/mop-up location (this implies that the
                   linked asset was < the value reported in Section X),
                   the principal residence was inherited or received
                   as a gift, and all of these assets are included in
                   variable 5818).

                    1.  Mobile home site only (Question D11d)
                    2.  Mobile home only (Question D12c)
                    3.  Mobile home site only (Question D15b)
                    4.  Mobile home only (Question D15d)
                    5.  Mobile home and site (Question D15f)
                    6.  Other principal residence (Question D20)
                    7.  Other real estate (Question E20, property #1)
                    8.  Other real estate (Question E20, property #2)
                    9.  Other real estate (Question E20, property #3)
                   10.  Other vacation real estate (Question E36b)
                   11.  Other investment real estate (Question E37a)
                   12.  Active management business (Question M6,
                        business #1)
                   13.  Active management business (Question M6,
                        business #2)
                   14.  Active management business (Question M6,
                        business #3)
                   15.  No link identified
                    0.  Inap. (Never received inheritances, no further
                        inheritances)


5819       X9.    Do you (or your [husband/wife/partner]) expect to receive a
                  substantial inheritance or transfer of assets in the
                  future?                                                    

                   1.  YES
                   5.  NO


5820        X9.1   Is that likely to involve a large amount of money, a
                   moderate amount, or what?                                  

                   1.  LARGE
                   2.  MODERATE
                   3.  Small (volunteered)
                  -7.  OTHER
                   0.  Inap. (Does not expect future inheritance)


5821        X9.2   IWER:  RECORD AMOUNT IF R VOLUNTEERS IT                    

                   Code actual amount
                   0.  Inap. (Does not expect future inheritance)


5822       X10.   During 1991, did you (or anyone in your family living
                   here) make charitable contributions of money or property
                   totaling $500 or more? (Do not include political
                   contributions.)                       

                   1.  YES
                   5.  NO


5823        X10.1  Roughly, how much did (you/your family) contribute?        

                   Code actual amount
                   0.  Inap. (Did not make charitable contributions)


7662        X10.2  During 1991, did you (or any one in your family
                   living here) volunteer an average of one hour or
                   more a week to any charitable organizations? Please
                   do not include time volunteered for political
                   causes.)



                   1.  YES
                   5.  NO


5824        X11.   Some people think it is important to leave an estate or
                   inheritance to their surviving heirs, while others don't. 
                   Which is closer to your (and your [husband's/wife's])
                   feelings?  Would you say it is very important, important,
                   somewhat important, or not important?                      

                   1.  VERY IMPORTANT
                   2.  IMPORTANT
                   3.  R & S DIFFER
                   4.  SOMEWHAT IMPORTANT
                   5.  NOT IMPORTANT


5825       X12.   Do you (and your [husband/wife/partner]) expect to leave a
                   sizeable estate to others?                                 

                   1.  YES
                   3.  POSSIBLY
                   5.  NO



-----------------------------------------------------------------------------
MISC. DEMOGRAPHICS
-----------------------------------------------------------------------------

5901        Y1.    I'd now like to ask you some questions about your
                   background.  What is the highest grade of school or year
                   of college you completed?                                  
6101        Y17.   I'd now like to ask you some questions about your
                   (husband's/wife's/partner's) background.  What is the
                   highest grade of school or year of college (he/she)
                   completed?                                                 

                   Code number of years
                  -1.  NO EDUCATION
                   0.  Inap. (No spouse)


5902        Y1.1   Did you get a high school diploma or pass a high school
                   equivalency test?                                          
6102        Y17.1  Did (he/she) get a high school diploma or pass a high
                   school equivalency test?                                   

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, more than 12 years of education)


5903        Y1.2   Since completing your formal education, have you had on-
                   the-job training or other vocational training lasting 100
                   hours or more?                                             
6103        Y17.2  Since completing (his/her) formal education, has (he/she)
                   had on-the-job training or other vocational training
                   lasting 100 hours or more?                                 

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, more than 12 years of education)


5904       Y1.3   Did you get a college degree?                              
6104       Y17.3  Did (he/she) get a college degree?                         

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, 12 years or less of education)


5905        Y1.4   What is the highest degree you have earned?                
6105        Y17.4  What is the highest degree (he/she) earned?                

                   1.  ASSOCIATES                     
                   2.  BACHELORS
                   3.  MA/MBA
                   4.  PHD
                   5.  MD; DDS
                   6.  LAW
                   7.  Other professional certification (e.g., RN,
                       cosmetology)
                  -7.  OTHER
                   0.  Inap. (No spouse, 12 years or less of education,
                       no college degree)
                   For the public use file, PHD (4), MD; DDS (5) and LAW (6)
                   are combined in 4.


5906        Y2.    Have you ever been in the military service?                
6106        Y18.   Has (he/she) ever been in the military service?            

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse)


5907       Y3.    What is the month and year of your birth?--MONTH           
6107       Y19.   What is the month and year of (his/her) birth?--MONTH      

                   Code MONTH
                   0.  Inap. (No spouse)


5908        Y3.    What is the month and year of your birth?--YEAR            
6108        Y19.   What is the month and year of (his/her) birth?--YEAR       

                   Code YEAR
                   1890.  1890 or earlier
                      0.  Inap. (No spouse)


5909        Y4.    Are you American Indian, Asian, Hispanic, black, white, or
                   another race? (SHOW CARD 16)

                   1.  AMERICAN INDIAN/ESKIMO/ALEUT
                   2.  ASIAN
                   3.  HISPANIC
                   4.  BLACK
                   5.  WHITE
                  -7.  OTHER
                   For the public use file, American Indian/Eskimo/Aleut (1)
                   and Asian (2) and OTHER (-7) are combined in -7.


5910        Y5.    Now I'd like to ask some questions about your family
                   living elsewhere.  Altogether, including children from
                   previous marriages and adopted children, how many sons and
                   daughters do you (or your [husband/wife/partner])
                   have who do not live with you?

                   Code # CHILDREN
                   -1.  NONE


5911        Y5.1   How many of them are 25 or older?                          

                   Code # 25 OR OLDER
                   -2.  ALL OF THEM
                   -1.  NONE
                    0.  Inap. (No children outside home)


5912        Y5.2   And how many of them are less than 18 years old?           
                   (INFERRED WHERE Y5a = ALL OF THEM)

                   Code # LESS THAN 18
                   -2.  ALL OF THEM
                   -1.  NONE
                    0.  Inap. (No children outside home)


5913        Y6.    How many living brothers and sisters do you have?          
6109        Y20.   How many living brothers and sisters does (he/she) have?   

                   Code # BROTHERS/SISTERS
                   -1.  NONE
                    0.  Inap. (No spouse)


5914       Y6.1   How many are older than you?                               
6110       Y20.1  How many are older than (he/she) is?                       

                   Code # OLDER
                   -2.  ALL
                   -1.  NONE
                    0.  Inap. (No spouse, no living siblings)


5915       Y7.    INTERVIEWER CHECKPOINT: See R's marital status in
                  household listing

                    1.  MARRIED; INCLUDING SPOUSE AWAY IN SERVICE
                    2.  PARTNER
                    3.  SEPARATED
                    4.  DIVORCED
                    5.  WIDOWED
                    6.  NEVER MARRIED

           R CURRENTLY MARRIED

5916       Y7.1   In what month and year were you married? -- MONTH


                  Code MONTH
                  0.  Inap. (Not married) 

5917       Y7.1   In what month and year were you married? -- YEAR

                  Code YEAR
                  0.  Inap. (Not married) 

5918       Y7.2   Is this your first marriage or have you been married before?

                  1.  FIRST MARRIAGE
                  5.  MARRIED BEFORE 
                  0.  Inap. (Not married) 

5919       Y7.3   Altogether, how many times have you been married,
                  including your currently marriage?


                  2.  TWO
                  3.  THREE
                  4.  FOUR OR MORE
                  0.  Inap. (Not married, only married once) 

5920       Y7.4   Did any of these marriages end with you being
                  widowed?

                  1.  FIRST MARRIAGE
                  5.  MARRIED BEFORE 
                  0.  Inap. (Not married, married less than three times) 

5921       Y7.5   How many?

                  Code # times widowed
                  0.  Inap. (Not married, married less than three
                      times, married more than twice but never widowed) 

           R CURRENTLY SEPARATED

5922       Y8     In what month and year were you separated? -- MONTH

                  Code MONTH
                  0.  Inap. (Not separated)

5923       Y8     In what month and year were you separated? -- YEAR


                  Code YEAR
                  0.  Inap. (Not separated)

5924       Y8.1   In what year did this marriage begin?


                  Code YEAR
                  0.  Inap. (Not separated)

 


6026       Y14.   Now I'd like to ask about your parents.  Is your mother
                  still living?                                              
6120       Y23.   Is your (husband's/wife's/partner's) mother still living?  

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse)


6027        Y14.1  What is her age?                                           
6121        Y23.1  What is her age?                                           

                   Code AGE
                   0.  Inap. (No spouse, mother not living)


6028        Y14.2  Is your father still living?                               
6122        Y23.2  Is your (husband's/wife's/partner's) father still living?  

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse)


6029        Y14.3  What is his age?                                           
6123        Y23.3  What is his age?                                           

                   Code AGE
                   0.  Inap. (No spouse, father not living)


-----------------------------------------------------------------------------
MARITAL HISTORY RECODE VARIABLES 
-----------------------------------------------------------------------------

8001 (R)   R:      Total number of marriages (incl. current partner)
8013 (S)
                   Code number
                   0.  None


8002 (R)   R:      Total number of times divorced
8014 (S)
                   Code number
                   0.  None; Inap.


8003 (R)   R:      Total number of times widowed
8015 (S)
                   Code number
                   0.  None; Inap.


8004       R:      Month current marriage or partnership began

                   Code month
                   0.  Inap.


8005       R:      Year current marriage or partnership began

                   Code year
                   0.  Inap.


8006 (R)   R:      Month most recent past marriage ended (or separated)

                   Code month
                   0.  Inap.


8007 (R)   R:      Year most recent past marriage ended (or separated)
8016 (S)
                   Code year
                   0.  Inap.


8008 (R)   R:      Year most recent past marriage began
8017 (S)
                   Code year
                   0.  Inap.


8009 (R)   R:      Year next most recent marriage ended

                   Code year
                   0.  Inap.


8010 (R)   R:      Year next most recent marriage began

                   Code year
                   0.  Inap.


8011 (R)   R:      Age at first marriage
8018 (S)
                   Code age
                   0.  Inap.


8012 (R)   R:      Total number of years married, H
8019 (S)
                   Code number of years
                   0.  Inap.


5925       Y8.2    Do you receive support from your (husband/wife), do you
                   pay support, or is there no support involved?              
                   (ASKED OF SEPARATED RESPONDENTS)

                   1.  RECEIVE SUPPORT
                   2.  NO SUPPORT INVOLVED
                   3.  PAY SUPPORT
                   0.  Inap.


5926        Y8.3   How much do you receive?                                   
                   (ASKED OF SEPARATED RESPONDENTS RECEIVING SUPPORT)

                   Code actual amount
                   0.  Inap.


5927       Y8.3    PER                                                        
                   (ASKED OF SEPARATED RESPONDENTS RECEIVING SUPPORT)

                   2.  Week
                   3.  Biweekly
                   4.  Month
                   5.  Quarter
                   6.  Year
                  -7.  Other
                   0.  Inap.


5928        Y8.4   How much do you pay?                                       
                   (ASKED OF SEPARATED RESPONDENTS PAYING SUPPORT)

                   Code actual amount
                   0.  Inap.


5929       Y8.4    PER                                                        
                   (ASKED OF SEPARATED RESPONDENTS PAYING SUPPORT)

                   2.  Week
                   3.  Biweekly
                   4.  Month
                   5.  Quarter
                   6.  Year
                  -7.  Other
                   0.  Inap.


5930        Y8.5   Are the assets and debts that you've told me about in this
                   interview owned mainly by you, are they owned jointly with
                   your (husband/wife), or what?                              
                   (ASKED OF SEPARATED RESPONDENTS)

                   1.  OWNED BY R
                   2.  OWNED JOINTLY
                  -7.  OTHER
                   0.  Inap.




5931        Y8.6   Is this your first marriage or have you been
                   married before?  (ASKED OF SEPARATED RESPONDENTS)


                   1.  FIRST MARRIAGE
                   5.  MARRIED BEFORE
                   0.  Inap. (Not separated)

5932        Y8.7   Altogether, how many times have you been married,
                   including your current marriage? (ASKED OF
                   SEPARATED RESPONDENTS)


                  2.  TWO
                  3.  THREE
                  4.  FOUR OR MORE
                  0.  Inap. (Not separated, only married once) 

5933        Y8.8   Did any of these marriages end by your being
                   widowed? (ASKED OF SEPARATED RESPONDENTS)

                   1.  YES
                   5.  NO
                   0.  Inap. (Not separated, married less than three times)

5934        Y8.9   How many? (ASKED OF SEPARATED RESPONDENTS)

                   Code # times
                   0.  Inap. (Not separated, married less than three
                       times, married more than twice but never widowed)


            R CURRENTLY DIVORCED



6001        Y9.    In what month and year were you divorced? -- MONTH

                   Code MONTH
                   0.  Inap. (Not divorced)

6002        Y9.    In what month and year were you divorced? -- YEAR

                   Code YEAR
                   0.  Inap. (Not divorced)


6003        Y9.1   In what year did this marriage begin?

                   Code YEAR
                   0.  Inap. (Not divorced)

 
6004        Y9.2   Was that your first marriage or had you been
                   married before?

                   1.  FIRST MARRIAGE
                   5.  MARRIED BEFORE
                   0.  Inap. (Not divorced)

6005        Y9.3   Altogether, how many times have you been married?


                  2.  TWO
                  3.  THREE
                  4.  FOUR OR MORE
                  0.  Inap. (Not divorced, only married once) 

6006        Y9.4   Did any of these marriages end by your being
                   widowed?

                   1.  YES
                   5.  NO
                   0.  Inap. (Not divorced, married less than three times)

6007        Y9.5   How many?

                   Code # times
                   0.  Inap. (Not divorced, married less than three
                       times, married more than twice but never widowed)


            R CURRENTLY WIDOWED


6008        Y10.   In what month and year were you widowed? -- MONTH

                   Code MONTH
                   0.  Inap. (Not widowed)

6009        Y10.   In what month and year were you widowed? -- YEAR

                   Code YEAR
                   0.  Inap. (Not widowed)


6010        Y10.1  In what year did this marriage begin?


                   Code YEAR
                   0.  Inap. (Not widowed)

6011        Y10.2  Was that your first marriage or had you been
                   married before?

                   1.  FIRST MARRIAGE
                   5.  MARRIED BEFORE
                   0.  Inap. (Not widowed)

6012        Y10.3  Altogether, how many times have you been married?


                  2.  TWO
                  3.  THREE
                  4.  FOUR OR MORE
                  0.  Inap. (Not widowed, only married once) 

6013        Y10.4  Did any of these marriages end in divorce?


                   1.  YES
                   5.  NO
                   0.  Inap. (Not widowed, married less than three times)

6014        Y10.5  How many?

                   Code # times
                   0.  Inap. (Not widowed, married less than three
                       times, married more than twice but never divorced)


            R LIVING WITH PARTNER


6015        Y11.   In what month and year did you start living with
                   your partner? -- MONTH

                   Code MONTH
                   0.  Inap. (Not living with partner)

6016        Y11.   In what month and year did you start living with
                   your partner? -- YEAR

                   Code YEAR
                   0.  Inap. (Not living with partner)

6017        Y11.1  Have you ever been married? (to some one else)?

                   1.  YES
                   5.  NO
                   0.  Inap. (Not living with partner)

6018        Y11.2  Altogether, how many times have you been married?
                   (LEGAL MARRIAGES)
 

                   1.  ONE
                   2.  TWO
                   3.  THREE
                   4.  FOUR OR MORE
                   0.  Inap. (Not living with partner, living with
                       partner but not married before)


6019        Y11.3  Did any of these marriages end in divorce?

                   1.  YES
                   5.  NO
                   0.  Inap. (Not living with partner, living with
                       partner but only married once before)
  
6020        Y11.4  How many?

                   Code # times
                   0.  Inap. (Not living with partner, living with
                       partner but only married once before, living
                       with partner and married at least twice but
                       never divorced)


            R HAS HAD TWO MARRIAGES


6021        Y12.   When did your first marriage begin? -- YEAR

                   Code MONTH
                   0.  Inap. (Never had at least two marriages)

6022        Y12.1  And when did that marriage end? -- YEAR

                   Code YEAR
                   0.  Inap. (Never had at least two marriages)

6023        Y12.2  Did that marriage end in divorce or were you
                   widowed?

                   4.  DIVORCED
                   5.  WIDOWED
                   0.  Inap. (Never had at least two marriages)

6024        Y13.   At what age were you first married?

                   Code AGE
                   0.  Inap. (Never had at least three marriages
                       including present marriage)

6025        Y13.1  Finally, for about how many years in total have you
                   been married (including your current marriage)?
                   (ACCEPT RANGE)

                   Code # YEARS
                   0.  Inap. (Never had at least three marriages
                       including present marriage)




6111        Y21.   Has your (husband/wife/partner) been married before?       

                   1.  YES
                   5.  NO
                   0.  Inap.


6112        Y22.   Altogether, how many times was your (husband/wife/partner)
                   married before?                                            

                   Code NUMBER
                   0.  Inap.


6113        Y22.1  When did (his/her) first marriage begin?                   
            
                   Code YEAR
                   0.  Inap.


6114        Y22.2  And when did that marriage end?                            

                   Code YEAR

                   0.  Inap.


6115        Y22.3  Did that marriage end in divorce, or was (he/she) widowed?

                   3.  Separated and not yet divorced
                   4.  DIVORCE
                   5.  WIDOWED
                   0.  Inap.


6116        Y22.4  Did any of these marriages end by your (husband/wife/
                   partner) being widowed?                                    

                   1.  YES
                   5.  NO
                   0.  Inap.


6117        Y22.5  How many?                                                  

                   Code # TIMES WIDOWED
                   0.  Inap.


6118        Y22.6  At what age was your (husband/wife/partner) first married?

                   Code YEARS OLD
                   0.  Inap.

7663        Y22.6  At what age was your (husband/wife/partner) first married?

                   Code YEAR
                   0.  Inap.


6119        Y22.7  Finally, for about how many years in total has your
                   (husband/wife/partner) been married?  (ACCEPT RANGE)       

                   Code YEARS
                   0.  Inap.


-----------------------------------------------------------------------------
HEALTH AND HEALTH INSURANCE
-----------------------------------------------------------------------------

6030        Y15.   Now I'd like to ask you about your health; would you say
                   your health is excellent, good, fair, or poor?             
6124        Y24.   Now I'd like to ask you some questions about your family's
                   health; would you say your (husband's/wife's/partner's)
                   health in general is excellent, good, fair, or poor?       

                   1.  EXCELLENT 
                   2.  GOOD
                   3.  FAIR
                   4.  POOR
                   0.  Inap. (No spouse)


6201        Y25    INTERVIEWER CHECKPOINT: See household listing. Are
                   there one or more adults with independent finances?
            READ:  For the rest of the questions in the interview, please
                   include the adults in your household who have independent
                   finances.

                   1.  ONE OR MORE ADULTS WITH INDEPENDENT FINANCES
                   2.  ALL OTHERS

6301        Y29.   Are you or anyone in your household (including family
                   members with independent finances) currently eligible to
                   receive benefits from any government health insurance
                   programs, such as Medicare, Medicaid, or CHAMPUS, VA, or
                   other military programs? (R DOES NOT LIVE ALONE)
            Y27.   Are you currently eligible to receive benefits from any
                   government health insurance programs, such as Medicare,
                   Medicaid, or CHAMPUS, VA, or other military programs?      
                   (R LIVES ALONE)

                   1.  YES
                   5.  NO


            Y29.1  Which program is that? (Anything else?) (CODE ALL THAT
                   APPLY.)  (IWER: ONLY PERSONS 65 OR OLDER SHOULD BE
                   ELIGIBLE FOR MEDICARE. ONLY POOR PERSONS SHOULD BE
                   ELIGIBLE FOR MEDICAID.  CHAMPUS IS FOR ACTIVE MILITARY.)
                   (R DOES NOT LIVE ALONE)
            Y27.1  Which program is that? (Anything else?) (CODE ALL THAT
                   APPLY.)  (IWER: ONLY PERSONS 65 OR OLDER SHOULD BE
                   ELIGIBLE FOR MEDICARE. ONLY POOR PERSONS SHOULD BE
                   ELIGIBLE FOR MEDICAID.  CHAMPUS IS FOR ACTIVE MILITARY.)
                   (R LIVES ALONE)

6302        Y27.1/Y29.1    MEDICARE
6303        Y27.1/Y29.1    MEDICAID (include MediCal)
6304        Y27.1/Y29.1    VA/CHAMPUS
6305        Y27.1/Y29.1    OTHER

                   1.  Checked
                   5.  Not checked
                   0.  Inap. (Not eligible for any government health
                       insurance programs)


6306        Y29.2  Is everyone living here covered by (this/one of these)
                   program(s)?

                   1.  YES
                   5.  NO
                   0.  Inap. (Not eligible for any government health
                       insurance programs)


           Y29.4  Who is not covered? (Anyone else?)  (CODE ALL THAT
                   APPLY.)

6308        Y29.4      R                                                      
6309        Y29.4      SPOUSE                                                 
6310        Y29.4      CHILD(REN) UNDER 18                                    
6311        Y29.4      CHILD(REN) 18 AND OVER                                 
6312        Y29.4      FATHER (IN-LAW)                                        
6313        Y29.4      MOTHER (IN-LAW)                                        
6314        Y29.4      OTHER:                                                 

                   1.  Checked                              
                   2.  Grandchild (6314 only)
                   5.  Not checked
                   0.  Inap. (Not eligible for any government health
                       insurance programs, everyone covered by
                       government health insurance programss)


6315        Y29.3  Are you or anyone covered by any other type of health
                   coverage such as employer or union plans, or Blue Cross-Blue
                   Shield, a Health Maintenance Organization (HMO) or
                   some other health insurance?              
                   (R DOES NOT LIVE ALONE)
            Y30.   Are you or anyone covered by any (other) type of
                   health coverage such as employer or union plans, or
                   Blue Cross-Blue Shield, a Health Maintenance
                   Organization (HMO) or some other health insurance?
                   (R DOES NOT LIVE ALONE)
            Y27.2  Are you covered by any other type of health
                   coverage such as employer or union plans, or Blue
                   Cross-Blue Shield, a Health Maintenance
                   Organization (HMO) or some other health insurance?
                   (R LIVES ALONE)
            Y28.   Are you covered by any type of health coverage such
                   as employer or union plans or Blue Cross-Blue
                   Shield, a Health Maintenance Organization (HMO), or
                   some other health insurance? (R LIVES ALONE)

                   1.  YES
                   5.  NO


            Y31.   Is this coverage obtained through your employer, former
                   employer, or union, (your [husband's/wife's/partner's]
                   employer, former employer, or union,) through direct
                   payments to an insurance company, or AARP or what?
                   (CODE ALL THAT APPLY.) (R DOES NOT LIVE ALONE)
           Y28.1  Is this coverage obtained through your employer or former
                   employer, a union, through direct payments to an insurance
                   company, or AARP or what?  (CODE ALL THAT APPLY.)
                   (R LIVES ALONE)

6316        Y28.1/Y31.     R'S EMPLOYER (incl. R's own business)
6317        Y28.1/Y31.     R'S FORMER EMPLOYER
6318        Y28.1/Y31.     R'S UNION
6319        Y31.           S'S EMPLOYER
6320        Y31.           S'S FORMER EMPLOYER
6321        Y31.           S'S UNION
6322        Y28.1/Y31.     DIRECT PAYMENT
7767        Y28.1/Y31.     AARP
6323        Y28.1/Y31.     OTHER:

                   1.  Checked                              
                   2.  Employer of HU member (except R or Spouse) (6323 only)
                   3.  Through a relative outside the HU (incl. Ex-spouse);
                       former spouse's employer (R lives alone)
                       (6323 only)
                   5.  Not checked
                   0.  Inap. (No private health insurance coverage)


           Y31.1  How is this coverage paid for -- by you, by an employer,
                  by you and an employer, by a relative, or what?  (CODE ALL 
                  THAT APPLY.) (R DOES NOT LIVE ALONE)
           Y28.2  How is this coverage paid for -- by you, by an employer,
                  by you and an employer, by a relative, or what? (CODE ALL 
                  THAT APPLY. (R LIVES ALONE)

6324        Y28.2/Y31.1  A.  R/FAMILY
6325        Y28.2/Y31.1  B.  EMPLOYER (incl. R's or S's own business)
6326        Y28.2/Y31.1  C.  RELATIVE
6327        Y28.2/Y31.1  D.  FORMER EMPLOYER
6328        Y28.2/Y31.1  E.  OTHER:

                   1.  Checked                              
                   2.  Employer of someone else in HH other than R/Spouse
                       (6328 only)
                   3.  Employer of person outside HH, incl. relatives/
                       ex-spouse (6328 only)
                   5.  Not checked
                   0.  Inap. (No private health insurance coverage)




7666        Y31.2  How much do you (and your family living here) pay
                   each month for insurance? -- AMOUNT (R DOES NOT
                   LIVE ALONE)
            Y28.3  How much do you pay each month for this insurance?
                   -- AMOUNT (R LIVES ALONE)

                   Code $ amount
                   0.  Inap. (No private health insurance coverage, 
                       coverage not paid by respondent/family)


7667        Y31.2  PER
            Y28.3  PER


                   2.  Week
                   3.  Biweekly
                   4.  Month
                   5.  Quarter
                   6.  Year
                  11.  Twice per year; every 6 months
                  12.  Bimonthly
                  -7.  Other
                   0.  Inap. (No private health insurance coverage, 
                       coverage not paid by respondent/family)


6329        Y31.3  Is everyone in your household covered by at least one of
                   these private health programs?                             

                   1.  YES
                   5.  NO
                   0.  Inap. (No private health insurance coverage)


           Y31.4  Who is not covered (including those with independent
                   finances)?  (Anyone else?) (CODE ALL THAT APPLY.)

6330        Y31.4  A.  R                                                      
6331        Y31.4  B.  SPOUSE/PARTNER                                         
6332        Y31.4  C.  CHILD(REN) UNDER 18                                    
6333        Y31.4  D.  CHILD(REN) 18 AND OVER                                 
6334        Y31.4  E.  FATHER (IN-LAW)                                        
6335        Y31.4  F.  MOTHER (IN-LAW)                                        
6336        Y31.4  G.  OTHER:                                                 

                   1.  Checked                              
                   2.  Other adult relative(s) (6336 only)
                   3.  Non-relative(s) (6336 only)
                   5.  Not checked
                   0.  Inap. (No private health insurance coverage,
                       everyone covered by private health insurance)


6337       Y32.   (SHOW CARD 17)  This is a list of reasons why some people
                   don't have health insurance.  Which number best describes
                   why (you/some members of your household) are not covered?  

                    1.  TOO EXPENSIVE, CAN'T AFFORD HEALTH INSURANCE
                    2.  CAN'T GET INSURANCE BECAUSE OF POOR HEALTH, AGE, OR
                        ILLNESS
                    3.  DON'T BELIEVE IN HEALTH INSURANCE
                    4.  NOT MUCH SICKNESS IN THE FAMILY; WE HAVEN'T NEEDED
                        INSURANCE; haven't gotten around to it
                    5.  DISSATISFIED WITH PREVIOUS INSURANCE
                    6.  JOB LAYOFF OR JOB LOSS;
                   11.  Not covered (on job) yet, but will be soon
                   15.  Not eligible
                   18.  Not offered by employer
                   27.  Processing delays
                   30.  Foreign insurance that does not cover the U.S.
                   95.  Those without private insurance are already covered
                        by Medicare/Medicaid
                   -7.  OTHER
                    0.  Inap. (All covered by private/government
                        health insurance.  NOTE: corrects
                        questionniare error.)



-----------------------------------------------------------------------------
FINANCES OF OTHER ECONOMIC UNITS WITHIN THE HOUSEHOLD
-----------------------------------------------------------------------------

6401        Y33.   INTERVIEWER CHECKPOINT                                     

                   1.  1 OR MORE ADULTS WITH INDEPENDENT FINANCES (COL. F
                       MARKED "INDEP")
                   2.  ALL OTHERS
                   0.  Inap. (R lives alone)


6402        Y34.   I'd like to ask some questions just about the other adults
                   18 and over who live with you (and your family) but have
                   independent finances.  (Does he/Does she/Do any of these 
                   other adults) receive any income from wages or salaries?   

                   1.  YES
                   3.  YES, amount edited out earlier
                   4.  YES, but no evidence of account earlier
                   5.  NO
                   0.  Inap. (No adults with independent finances)


6403        Y34.1  Roughly how much total income did (he/she/they) have from
                   wages and salaries in 1991 before taxes and deductions?  
                   (ACCEPT RANGE.)                                            

                   Code actual amount
                   -1.  Zero; none in 1991
                    0.  Inap. (No adults with independent finances,
                        independent adults have no wages/salaries)


6404        Y34.2  Did you include this amount in the income you told
                   me about earlier in this interview? (IF R TOLD ONLY
                   ABOUT PART, MAKE NOTE.)

                    1.  YES
                    3.  YES, amount edited out earlier
                    5.  NO
                    0.  Inap. (No adults with independent finances,
                        independent adults have no wages/salaries)


7668        Y34.3  Where did you tell me about this income?

                    Code up to 5 characters
                    0.  Inap. (No adults with independent finances,
                        independent adults have no wages/salaries,
                        did not include this income earlier)



6405        Y35.   (Does he/Does she/Do they) receive income from any other
                   sources (such as social security, a pension, disability
                   payments, public assistance, or income from a business or
                   other assets)?                                             

                   1.  YES
                   5.  NO
                   0.  Inap. (No adults with independent finances)


           Y35.1   What other sources of income (does he/does she/do they)
                   have?  (CODE ALL THAT APPLY.)

6406        Y35.1  A.  SOCIAL SECURITY                                        
6407        Y35.1  B.  PENSIONS                                               
6408        Y35.1  C.  DISABILITY                                             
6409        Y35.1  D.  PUBLIC ASSISTANCE                                      
6410        Y35.1  E.  INTEREST INCOME                                        
6411        Y35.1  F.  DIVIDENDS                                              
6412        Y35.1  G.  BUSINESS                                               
6413        Y35.1  H.  REAL ESTATE                                            
6414        Y35.1  J.  OTHER                                                  

                   1.  Checked
                   5.  Not checked
                   0.  Inap. (No adults with independent finances,
                        independent adults have no income from other sources)


6415       Y35.2  Roughly how much total income did (he/she/they) have from
                   (all these/this) source(s) in 1991 before taxes and
                   deductions?                                                

                   Code actual amount
                   -1.  Zero; none in 1991
                    0.  Inap. (No adults with independent finances,
                        independent adults have no income from other sources)


6416       Y35.3  Did you include this amount in the income you told
                  me about earlier in this interview? (IF R ONLY
                  TOLD ABOUT PART, MAKE NOTE.)

                    1.  YES
                    3.  YES, amount edited out earlier
                    4.  YES, but no evidence of account earlier
                    5.  NO
                    0.  Inap. (No adults with independent finances,
                        independent adults have no income from other sources)

7669       Y35.4  Where did you tell me about this income?

                    Code up to 5 characters
                    0.  Inap. (No adults with independent finances,
                        independent adults have no income from other sources,
                        did not include this income earlier)


6417       Y36.   (Does he/Does she/Do any of them) have any cars or other
                   vehicles?                                                  

                   1.  YES
                   5.  NO
                   0.  Inap. (No adults with independent finances)


6418        Y36.1  Roughly, how much (is this/are these) vehicle(s) worth in
                   today's prices?  (ACCEPT RANGE.)                           

                   Code actual amount
                   -1.  Zero; worth nothing
                    0.  Inap. (No adults with independent finances,
                        independent adults have no vehicles)


6419       Y36.2  Did you include this/these vehicles in the ones you told
                  me about earlier in this interview? (IF R ONLY
                  TOLD ABOUT PART, MAKE NOTE.)

                    1.  YES
                    3.  YES, amount edited out earlier
                    4.  YES, but no evidence of account earlier
                    5.  NO
                    0.  Inap. (No adults with independent finances,
                        independent adults have no vehicles)

7670       Y36.3  Where did you tell me about this/these vehicles?


                    Code up to 5 characters
                    0.  Inap. (No adults with independent finances,
                        independent adults have no vehicles,
                        did not include this income earlier)



6420        Y37.   (Does he/Does she/Do they) have any bank accounts, savings
                   accounts, or savings bonds?                                

                   1.  YES
                   5.  NO
                   0.  Inap. (No adults with independent finances)


6421       Y37.1  Roughly, how much in total (does he/does she/do they) have
                   in bank accounts, savings accounts, or savings bonds?
                   (ACCEPT RANGE.)                                            

                   Code actual amount
                   -1.  Zero; account with no balance
                    0.  Inap. (No adults with independent finances,
                        independent adults have no accounts/savings bonds)



6422       Y37.2  Did you include this amount when you told
                  me about these items earlier in this interview? (IF R ONLY
                  TOLD ABOUT PART, MAKE NOTE.)

                    1.  YES
                    3.  YES, amount edited out earlier
                    4.  YES, but no evidence of account earlier
                    5.  NO
                    0.  Inap. (No adults with independent finances,
                        independent adults have no accounts/savings bonds)

7671       Y37.3  Where did you tell me about these items?

                    Code up to 5 characters
                    0.  Inap. (No adults with independent finances,
                        independent adults have no accounts/savings bonds,
                        did not include this income earlier)





6423       Y38.   (Does he/Does she/Do they) have any other assets (such as
                   stocks, bonds, a business, or any properties, including
                   any part of the [house/apartment] you live in)?            

                   1.  YES
                   5.  NO
                   0.  Inap. (No adults with independent finances)


            Y38.1  What other kinds of assets (does he/does she/do they)
                   have?  (CODE ALL THAT APPLY.)

6424        Y38.1  A.  R'S HOME                                               
6425        Y38.1  B.  STOCKS                                                 
6426        Y38.1  C.  BONDS                                                  
6427        Y38.1  D.  MUTUAL FUNDS                                           
6428        Y38.1  E.  MONEY MARKET FUNDS                                     
6429        Y38.1  F.  BUSINESS                                               
6430        Y38.1  G.  OTHER REAL ESTATE                                      
6431        Y38.1  H.  OTHER                                                  

                   1.  Checked
                   5.  Not checked
                   0.  Inap. (No adults with independent finances,
                        independent adults have no other assets)


6432        Y38.2  Roughly, how much in total (does he/does she/do they) have
                   in (all these/this) asset(s)?  (ACCEPT RANGE.)             

                   Code actual amount
                   -1.  Zero value; currently a loss
                    0.  Inap. (No adults with independent finances,
                        independent adults have no other assets)




6433       Y38.3  Did you include this amount in the assets you told
                  me about earlier in this interview? (IF R ONLY
                  TOLD ABOUT PART, MAKE NOTE.)

                   1.  YES
                   3.  YES, amount edited out earlier
                   4.  YES, but no evidence of account earlier
                   5.  NO
                   0.  Inap. (No adults with independent finances,
                       independent adults have no other assets)

7672       Y38.4  Where did you tell me about this/these asset(s)?


                    Code up to 5 characters
                    0.  Inap. (No adults with independent finances,
                        independent adults have no other assets,
                        did not include this income earlier)


6434        Y39    INERVIEWER CHECKPOINT: "R's HOME" MARKED IN Y38.1


                   1.  YES
                   5.  NO
                   0.  Inap. (No adults with independent finances,
                       independent adults have no other assets)

6435        Y39.1  What share of this home (does he/does she/do they) own?    

                   Code PERCENT to 2 decimal places
                   0.  Inap. (No adults with independent finances,
                       independent adults do not own part of R's home)


6436       Y39.2  What is the present value of this home?  I mean, about
                   what would it bring if it were sold today?                 

                   Code actual amount
                   0.  Inap. (No adults with independent finances,
                       independent adults do not own part of R's home)


6437        Y39.3  What is the amount still owed on all the mortgages, land
                   contracts and loans on the home?  (ACCEPT RANGE.)          

                   Code actual amount
                   -1.  NOTHING
                    0.  Inap. (No adults with independent finances,
                        independent adults do not own part of R's home)


6438       Y40.   Not including any debts (he/she/they) owe(s) you (or your
                  [husband/wife/partner]), (does he/does she/do they) have any
                   debts?  (IF R ASKS: DO NOT INCLUDE MORTGAGE ON R'S HOME.)  

                   1.  YES
                   5.  NO
                   0.  Inap. (No adults with independent finances)


6439        Y40.1  Roughly how much in total are (his/her/their) debts?       

                   Code actual amount
                   0.  Inap. (No adults with independent finances,
                       independent adults do have any debts)




6440        Y40.2  Did you include these debts when you told me about
                   the household debts earlier in this interview? (IF R ONLY
                   TOLD ABOUT PART, MAKE NOTE.)

                   1.  YES
                   3.  YES, amount edited out earlier
                   4.  YES, but no evidence of account earlier
                   5.  NO
                   0.  Inap. (No adults with independent finances,
                       independent adults do have any debts)

7673        Y40.3  Where did you tell me about these debts?

                   Code up to 5 characters
                   0.  Inap. (No adults with independent finances,
                       independent adults do have any debts,
                       did not include this income earlier)




-----------------------------------------------------------------------------
EXPECTATIONS AND ATTITUDES
-----------------------------------------------------------------------------

301         A1.    I'd like to start this interview by asking you about your
                   expectations for the future.  Over the next five years, do
                   you expect the U.S. economy as a whole to perform better,
                   worse, or about the same as it has over the past five
                   years?                                                     

                   1.  BETTER 
                   2.  WORSE 
                   3.  ABOUT THE SAME 


302         A2.    Five years from now, do you think interest rates will be
                   higher, lower, or about the same as today?                 

                   1.  HIGHER   
                   2.  LOWER    
                   3.  ABOUT THE SAME


303        A3.    Over the next five years, do you expect your total
                   (family) income to go up more than prices, less than
                   prices, or about the same as prices?                       

                   1.  UP MORE  
                   2.  UP LESS  
                   3.  ABOUT THE SAME


304         A4.    Over the past five years, did your total (family) income
                   go up more than prices, less than prices, or about the
                   same as prices?                                            

                   1.  UP MORE  
                   2.  UP LESS  
                   3.  ABOUT THE SAME



7586        A4.1.  At this time, do you have a good idea of what your
                   (family's) income for the next year will be?


                   1.  YES                                  
                   5.  NO

401         B1.    Now I would like to ask you some questions about how you
                   feel about credit.  In general, do you think it is a good
                   idea or a bad idea for people to buy things on the
                   installment plan?                                          

                   1.  GOOD IDEA
                   3.  GOOD IN SOME WAYS, BAD IN OTHERS
                   5.  BAD IDEA


            B2.    People have many different reasons for borrowing money
                   which they pay back over a period of time.  For each of
                   the reasons I read, please tell me whether you feel it is
                   all right for someone like yourself to borrow money...
402         B2.1   first, to cover the expenses of a vacation trip?           
403         B2.2   next, to cover living expenses when income is cut?         
404         B2.3   (next,) to finance the purchase of a fur coat or jewelry?  
405         B2.4   (next,) to finance the purchase of a car?                  
406         B2.5   finally, to finance educational expenses?                  

                   1.  YES                                  
                   5.  NO


407         B3.    In the past five years, has a particular lender or
                   creditor turned down any request you (or your
                   [husband/wife/partner]) made for credit, or not
                   given you as much credit as you applied for?
                   (PROBE: Turned down, or not as much credit?)

                   1.  YES, TURNED DOWN
                   3.  YES, NOT AS MUCH CREDIT
                   5.  NO


408         B3.1   Were you later able to obtain the full amount you (or your
                   husband/wife/partner) requested by reapplying to the same
                   institution or by applying elsewhere?                      

                   1.  YES
                   3.  DID NOT REAPPLY
                   5.  NO
                   0.  Inap. (Not turned down)


7585        B3.2   On the most recent occasion, what reasons were you
                   (or your husband/wife/partner) given for being 
                   turned down for credit or unable to get as much
                   credit as you applied for?
          
                  50.  FAMILY BACKGROUND
                  51.  FAMILY SIZE
                  52.  MARITAL STATUS
                  53.  SEX
                  54.  COMBINATION MARITAL STATUS AND SEX
                  55.  AGE
                  56.  RACE 
                  57.  PERSONAL CHARACTER/REPUTATION
                  58.  HEALTH
                  59.  OTHER PERSONAL CHARACTERISTIC
                  61.  NEED TO HAVE CHECKING/SAVINGS ACCOUNT AT INSTITUTION
                  62.  NO CREDIT HISTORY
                  63.  CREDIT REPORTS FROM CREDIT BUREAU
                  64.  CREDIT RECORDS FROM OTHER INSTITUTIONS
                  65.  LACK OF ASSETS
                  66.  AMOUNT OF DEBT
                  69.  OTHER CREDIT CHARACTERISTICS
                  71.  TIME ON CURRENT JOB
                  72.  JOB, TYPE OF WORK
                  73.  LACK OF JOB
                  74.  LACK OF HOMEOWNERSHIP
                  75.  TIME AT CURRENT ADDRESS
                  76.  AMOUNT OF INCOME
                  77.  SOURCE OF INCOME
                  78.  WHERE YOU LIVE
                  79.  OTHER FINANCIAL CHARACTERISTICS
                  81.  LACK OF FAMILIARITY/EXPERIENCE
                  82.  PREVIOUS BAD EXPERIENCE
                  83.  INSTITUTION IS MORE STRICT
                  87.  DISCRIMINATION, RED-LINING
                  88.  INCONVENIENT, DIFFICULT
                  89.  OTHER MISCELLANEOUS
                  90.  DIDN'T APPROVE OF LOAN PURPOSE
                  91.  LOAN TOO LARGE FOR SOURCE TO HANDLE
                  92.  INTEREST
                  -1.  NONE, NO REASON GIVEN
                  -7.  OTHER

 


7584        B3.3   What type of credit did you apply for?

                   1.  MORTGAGE
                   2.  CAR LOAN
                   3.  OTHER INSTALLATION PLAN
                   4.  CREDIT CARD
                   6.  STORE ACCOUNT
                  17.  EQUITY LOAN
                  18.  Business/investment loan
                  19.  Line of credit
                  20.  Personal loan
                  21.  Consolidation loan
                  -7.  OTHER

409         B3.4   Was there any time in the past five years that you
                   (or your husband/wife/partner) thought of applying
                   for credit at a particular place, but changed
                   your mind because you thought you might
                   be turned down?

                   1.  YES                                  
                   5.  NO

7583        B3.5   On the most recent occasion, why did you (or your
                   husband/wife/partner) think you might be turned down?

          
                  50.  FAMILY BACKGROUND
                  51.  FAMILY SIZE
                  52.  MARITAL STATUS
                  53.  SEX
                  54.  COMBINATION MARITAL STATUS AND SEX
                  55.  AGE
                  56.  RACE 
                  57.  PERSONAL CHARACTER/REPUTATION
                  58.  HEALTH
                  59.  OTHER PERSONAL CHARACTERISTIC
                  61.  NEED TO HAVE CHECKING/SAVINGS ACCOUNT AT INSTITUTION
                  62.  NO CREDIT HISTORY
                  63.  CREDIT REPORTS FROM CREDIT BUREAU
                  64.  CREDIT RECORDS FROM OTHER INSTITUTIONS
                  65.  LACK OF ASSETS
                  66.  AMOUNT OF DEBT
                  69.  OTHER CREDIT CHARACTERISTICS
                  71.  TIME ON CURRENT JOB
                  72.  JOB, TYPE OF WORK
                  73.  LACK OF JOB
                  74.  LACK OF HOMEOWNERSHIP
                  75.  TIME AT CURRENT ADDRESS
                  76.  AMOUNT OF INCOME
                  77.  SOURCE OF INCOME
                  78.  WHERE YOU LIVE
                  79.  OTHER FINANCIAL CHARACTERISTICS
                  81.  LACK OF FAMILIARITY/EXPERIENCE
                  82.  PREVIOUS BAD EXPERIENCE
                  83.  INSTITUTION IS MORE STRICT
                  87.  DISCRIMINATION, RED-LINING
                  88.  INCONVENIENT, DIFFICULT
                  89.  OTHER MISCELLANEOUS
                  90.  DIDN'T APPROVE OF LOAN PURPOSE
                  91.  LOAN TOO LARGE FOR SOURCE TO HANDLE
                  92.  INTEREST
                  -1.  NONE, NO REASON GIVEN
                  -7.  OTHER

 


3001        I16.   R HAS ANY TYPE OF LOAN OR DEBT? CODE ALL THAT
                   APPLY. REFER TO INSTITUTIONS CARD.

                   1.    R HAS ANY TYPE OF LOAN OR DEBT -- MORTGAGE, HOUSING
                         LOAN, PROPERTY, VEHICLE OR OTHER LOANS
                   2.    ALL OTHERS 
                   3.    CHECKED "NO DEBTS," BUT R HAD DEBTS
                   4.    CHECKED "DEBTS," R HAD NO DEBTS


3002       I17.   (SHOW CARD 5)  Thinking about the loan or mortgage that you
                   took out most recently, what was the main reason you chose
                   the lender that you did? Was it because of the location
                   of their offices, because they had the best interest
                   rates, because you were able to obtain many services at
                   one place, because they were recommended by someone else,
                   or some other reason?                                     

                    1.   RECOMMENDED
                    2.   INTEREST RATES
                    3.   LOCATION OF OFFICES
                    4.   Other business done here
                    5.   Easy to qualify (for credit); only place that would
                         give us a loan
                    6.   MANY/SPECIAL SERVICES IN ONE PLACE
                    7.   Low fees/service charges
                   11.   Personal relationship; they know me;
                         know/like them; freindly;
                         R/Spouse works there
                   21.   No choice--assumed existing debt and lender from
                         previous owner
                   22.   No choice--financed through store/dealer and this
                         was their financial institution
                   23.   Advertisement
                   24.   Convenient hours
                   25.   No particular reason
                   26.   No other institutions
                   27.   Privacy
                   -7.   OTHER
                    0.   Inap. (R has no loans)


3003       I18.    (READ SLOWLY:)  Again thinking  about the same
                   loan, roughly how far was the office where the
                   application was made from the home or workplace of the
                   person who made the application?  (IF R ASKS:  WE WANT THE
                   CLOSER OF THE DISTANCE FROM HOME OR OFFICE.)  (ACCEPT
                   RANGE.)                                                    

                   Code MILES
                   51.   OVER 50 MILES
                   -1.   LESS THAN A MILE
                    0.   Inap. (R has no loans)


3004        I19.   Now thinking of all the various loan payments you made
                   during the last year, were all the payments made the way
                   they were scheduled, or were payments on any of the loans
                   sometimes made later or missed?                            

                   1.  ALL PAID AS SCHEDULED                
                   5.  SOMETIMES GOT BEHIND OR MISSED PAYMENTS
                  -1.  Payments not due/started yet
                  -7.  Other
                   0.  Inap. (R has no loans)


3005       I19.1  Were you ever behind in your payments by two months or
                   more?                                                      

                   1.  YES
                   5.  NO
                   0.  Inap. (R has no loans, all payments made as scheduled)



3006       J1.    Now I'd like to ask a few questions about your (family's)
3007               savings.  People have different reasons for saving.  What
7513               are your (family's) most important reasons for saving?     
7514
7515                1.   Children's education; education of grandchildren
                    2.   Own education; spouse's education; education--NA for
                         whom
                    3.   "For the children/family"--NFS; "to help the kids
                         out"
                   11.   Buying own house (code summer cottage in 12)
                   12.   Purchase of cottage or second home for own use
                   13.   Buy a car
                   14.   Home improvements/repairs
                   15.   To travel; take vacations
                   16.   Buy durable household goods, appliances, home
                         furnishings; hobby items; for other purchases not
                         codable above or not further specified; "buy things
                         when we need/want them"; moving/special occasions
                   17.   Burial; funeral expenses
                   18.   Charitable or religious contributions
                   21.   Buying (investing in) own business/farm; equipment
                         for business/farm
                   22.   Retirement; old age
                   23.   Reserves in case of unemployment
                   24.   In case of illness; medical/dental expenses
                   25.   Emergencies; "rainy days"; other unexpected needs;
                         for "security"/independence
                   26.   Investment reasons (to get interest, to be
                         diversified, to buy other forms of assets)
                   27.   To meet contractual commitments (debt repayment,
                         insurance, taxes, settlement, etc.); to pay
                         off house
                   28.   "To get ahead"; for the future; to advance standard
                         of living
                   29.   Ordinary living expenses/bills
                   30.   To move
                   90.   Had extra income; saved because had the money left
                         over--no other purpose specified
                   91.   Wise/prudent thing to do; good discipline to save
                   92.   Liquidity; to have cash available/on hand
                   -1.   Don't/can't save; "have no money"
                    0.   Inap. (No additional reason)



3010        J2.    Are there any forseeable major financial
                   obligations that you (and your family) expect
                   will have to be met in the future, such as
                   educational expenses, health care costs, and so forth?
                   (IF R ASKS, THE FUTURE MEANS THE NEXT FIVE TO TEN
                   YEARS.)


                   1.  YES
                   5.  NO




3011        J2.1.  (SHOW CARD 6) What kinds of obligations are these?
3012               (CODE ALL THAT APPLY.)    
3013
7512
7511                Code up to 5 mentions
                    1.   EDUCATION: R'S CHILDREN (incl. step & adopted
                         children); grandchildren
                    2.   EDUCATION: OTHERS (incl. R & spouse)
                    3.   HEALTH CARE: SELF/SPOUSE
                    4.   HEALTH CARE: OTHERS (incl. elderly parents/disabled
                         child)
                    5.   Health care/Medical expenses -- NA for whom
                   11.   General support for R/spouse in retirement or old
                         age
                   12.   General support for (disabled) child/grandchild;
                         "raising my grandson"
                   13.   General support for parents
                   14.   General support for others or NA for whom
                   21.   Home purchase (incl. vacation home)
                   22.   Purchase of car or other large durable goods
                   23.   Burial expenses
                   24.   Taxes
                   25.   Home repairs/improvements
                   26.   Weddings, vacations, moving and other special
                         expenditures
                   31.   Business/investment; start/expand own business
                   35.   Settlement; legal expenses
                   41.   Bills/living expenses--NFS
                   -7.   OTHER
                    0.  Inap. (No financial obligations, no additional
                        financial obligations)



3008        J3.    (SHOW CARD 7)  In deciding how much of their (family) income
                   to spend or save, people are likely to think about
                   different financial planning periods.  In planning your
                   (family's) saving and spending, which of the time periods
                   listed on this page is most important to you (and your
                   [husband/wife/partner])?

                   1.  NEXT FEW MONTHS
                   2.  NEXT YEAR
                   3.  NEXT FEW YEARS
                   4.  NEXT 5 - 10 YEARS
                   5.  LONGER THAN 10 YEARS
                  -1.  R only says: "no savings"/"can't (don't) save"


3009        J4.    Which is the least important to you?

                   1.  NEXT FEW MONTHS
                   2.  NEXT YEAR
                   3.  NEXT FEW YEARS
                   4.  NEXT 5 - 10 YEARS
                   5.  LONGER THAN 10 YEARS
                  -1.  R only says: "no savings"/"can't (don't) save"


3014        J5.    (SHOW CARD 8)  Which of the statements on this page comes
                   closest to the amount of financial risk that you (and your
                   [husband/wife/partner]) are willing to take when
                   you save or make investments? (READ ANSWERS ONLY IF
                   NECESSARY)                  
                   If more than one box checked, code smallest category #.
                   

                   1.    TAKE SUBSTANTIAL FINANCIAL RISKS EXPECTING TO EARN
                         SUBSTANTIAL RETURNS.
                   2.    TAKE ABOVE AVERAGE FINANCIAL RISKS EXPECTING TO EARN
                         ABOVE AVERAGE RETURNS.
                   3.    TAKE AVERAGE FINANCIAL RISKS EXPECTING TO EARN
                         AVERAGE RETURNS.   
                   4.    NOT WILLING TO TAKE ANY FINANCIAL RISKS.


            J6.    (SHOW CARD 9)   Which of the following statements on this
                   page comes closest to describing you(r) (and your
                   [husband's/wife's/partner's]) saving habits?
                   (CODE MORE THAN ONE ONLY IF NECESSARY.) (READ
                   ANSWERS ONLY IF NECESSARY.)

3015        J6-1.  DON'T SAVE -- USUALLY SPEND MORE THAN INCOME               
3016        J6-2.  DON'T SAVE -- USUALLY SPEND ABOUT AS MUCH AS INCOME        
3017        J6-3.  SAVE WHATEVER IS LEFT OVER AT THE END OF THE MONTH--NO
3018        J6-4.  SAVE INCOME OF ONE FAMILY MEMBER, SPEND THE OTHER          
3019        J6-5.  SPEND REGULAR INCOME, SAVE OTHER INCOME                    
3020        J6-6.  SAVE REGULARLY BY PUTTING MONEY ASIDE EACH MONTH           

                   1.  Checked
                   5.  Not checked




3023         J7.   (SHOW CARD 10) How would you rate the
                   retirement income you (expect to) receive 
                   from Social Security and job pensions?                     

                   1.  TOTALLY INADEQUATE
                   2.
                   3.  ENOUGH TO MAINTAIN LIVING STANDARDS
                   4.
                   5.  VERY SATISFACTORY


3024        J8.    (SHOW CARD 10)  When making major decisions about borrowing
                   and saving, some people shop around for the very best
                   terms while others don't.  Where would your family be on
                   the scale?                                                 

                   1.  ALMOST NO SHOPPING
                   2.
                   3.
                   4.
                   5.  A GREAT DEAL OF SHOPPING



7510        J9.    Over the past year, would you say that (your/your
                   family's) spending exceeded (your/your family's)
                   income, that it was about the same as your income,
                   or that you spent less than your income? (Spending
                   should not include any investments you have made.)


                   1.  SPENDING EXCEEDED INCOME
                   2.  SPENDING EQUALLED INCOME
                   3.  SPENDING WAS LESS THAN INCOME
                    
7509        J9.1.  Did any of that spending include purchases of a
                   home or automobile or spending for any investments?

                   1.  YES 
                   5.  NO
                   0.  Inap. (spending did not exceed income)

7508        J9.2.  Including only monthly payments on your house or
                   car and leaving aside any spending on investments,
                   over the past year, would you say that (your/your
                   family's) spending exceeded (your/your family's)
                   income, that is was about the same as your income,
                   or that you spent less than your income?

                   1.  SPENDING EXCEEDED INCOME
                   2.  SPENDING EQUALLED INCOME
                   3.  SPENDING WAS LESS THAN INCOME
                   0.  Inap.

7507        J9.3.  To make up the difference, did you borrow
                   additional money, did you spend out of savings or
                   investments, or did you do something else?

                   1.  BORROWED MONEY
                   2.  SPENT OUT OF SAVINGS/INVESTMENTS
                   3.  Got behind on payments; didn't pay bills
                   4.  Help from others
                   5.  Possible respondent error #1: cut back on expenses
                   6.  Possible respondent error #2: got addititional income
                  -7.  OTHER
                   0.  Inap. (spending did not exceed income)

7506        J9.4.  Did any of that spending include purchases of a
                   home or automobile or spending for any investments?


                   1.  YES 
                   5.  NO
                   0.  Inap. (spending did not equal income)


-----------------------------------------------------------------------------
LINKAGE TO PENSION PROVIDER
-----------------------------------------------------------------------------
6501        Y42.   END OF IW REFERENCE:  RESPONDENT'S EMPLOYMENT/PENSION
                   INFORMATION                                                

                   1.    R IS COVERED BY PENSION ON CURRENT JOB (1 OR MORE
                         PLANS AT R18, P. 82)
                   2.    ALL OTHERS



6502        Y43.   END OF IW REFERENCE:  SPOUSE'S EMPLOYMENT/PENSION
                   INFORMATION                                                

                   3.    R IS NOT MARRIED/LIVING WITH PARTNER
                   4.    S IS COVERED BY PENSION ON CURRENT JOB
                   5.    ALL OTHERS  


-----------------------------------------------------------------------------
INTERVIEWER OBSERVATIONS
-----------------------------------------------------------------------------

6503       ZZ1.   RELATIONSHIP OF R TO INFORMANT:                            

                   1.  R IS INFORMANT 
                   2.  Spouse of Informant; partner of Informant
                   3.  Child  "     "
                   4.  Parent "     "
                   5.  Roommate/friend
                   6.  Employer of Informant (e.g., maid was Informant)
                   7.   Aunt/uncle
                   8.   Grandchild
                   9.   Grandparent (incl. in-laws)
                  10.   Cousin
                  11.   Niece/nephew
                  12.   Sister/brother (incl. in-laws)
                  13.   Great grandchild
                  14.   Other relative
                  -7.  OTHER: R IS __________ OF INFORMANT


6504        ZZ2.   TYPE OF STRUCTURE IN WHICH FAMILY LIVES:                   
                         

                    0.  IW NOT CONDUCTED AT R'S HOME (low priority code)
                    1.  TRAILER; MOBILE HOME
                    2.  DETACHED SINGLE FAMILY HOUSE 
                    3.  2-FAMILY HOUSE, 2 UNITS SIDE BY SIDE 
                    4.  2-FAMILY HOUSE, 2 UNITS ONE ABOVE THE OTHER;
                        "duplex"--NA whether  3 or  4
                    5.  DETACHED 3-4 FAMILY HOUSE
                    6.  ROW HOUSE (3 OR MORE UNITS IN AN ATTACHED ROW)
                    7.  APARTMENT HOUSE (4 OR FEWER UNITS)
                    8.  CONDO/APARTMENT HOUSE (5 OR MORE UNITS, 3 STORIES OR
                        LESS)
                    9.  CONDO/APARTMENT HOUSE (5 OR MORE UNITS, 4 STORIES OR
                        MORE)
                   10.  APARTMENT IN PARTLY COMMERCIAL STRUCTURE
                   11.  Gov't. housing "projects"--not codeable above
                   12.  CO-OP/CONDO/NFS  
                   -7.  OTHER



            ZZ3.   NEIGHBORHOOD:  Look at the structures on R's block and
                   CODE as many as apply.

6505        ZZ3.       VACANT LAND (include "lake", "farmland")               
6506        ZZ3.       TRAILER/MOBILE HOME                                    
6507        ZZ3.       DETACHED SINGLE FAMILY HOUSE                           
6508        ZZ3.       2-FAMILY HOUSE; SIDE BY SIDE OR ONE ABOVE THE OTHER    
6509        ZZ3.       DETACHED 3-4 FAMILY HOUSE                              
6510        ZZ3.       ROW HOUSE (3 OR MORE UNITS IN AN ATTACHED ROW)         
6511        ZZ3.       APARTMENT HOUSE (4 OR FEWER UNITS)                     
6512        ZZ3.       CONDO/APARTMENT HOUSE (5 OR MORE UNITS, 3 STORIES OR
                       LESS)                                                  
6513        ZZ3.       CONDO/APARTMENT HOUSE (5 OR MORE UNITS, 4 STORIES OR
                       MORE)                                                  
6514        ZZ3.       COMMERCIAL OR INDUSTRIAL STRUCTURE                     
6515        ZZ3.       PARK; golf course                                      
6516        ZZ3.       SCHOOL OR OTHER GOV'T. BUILDING                        
6517        ZZ3.       VACANT BUILDING                                        
7768        ZZ3.       FARM
6518        ZZ3.       OTHER                                                  

                   1.  Checked                              
                   2.  Gov't/Housing Project--not codeable above
                   5.  Not checked
                   0.  Inap. (Interview not conducted in R's home)


6519        ZZ4.   BUILDINGS IN THE IMMEDIATE NEIGHBORHOOD (LOOK UP AND DOWN
                   THE BLOCK) ARE:                                            

                   1.  ALL RESIDENTIAL
                   2.  MOSTLY RESIDENTIAL
                   3.  ABOUT EQUALLY RESIDENTIAL AND NONRESIDENTIAL
                   4.  MOSTLY NONRESIDENTIAL
                   5.  NONE IN VIEW;
                   0.  Inap. (Interview not conducted in R's home)



6520        ZZ5.  HOUSING STRUCTURES ON BLOCK ARE:                            

                   1.  0-20 FEET APART
                   2.  21-100 FEET APART
                   3.  OVER 100 FEET APART
                   0.  Inap. (Interview not conducted in R's home)


6521       ZZ6.   CONDITION OF BUILDING EXTERIOR IS:                         

                   1.  CLEAN AND SOUND
                   2.  SOME PAINT PEELING OR CRACKS IN MASONRY
                   3.  NEEDS SUBSTANTIAL PAINTING, REFILLING, OR REPAIR
                   4.  DILAPIDATED
                   0.  Inap. (Interview not conducted in R's home)


6522        ZZ7.   CONDITION OF THE EXTERIOR OF BUILDINGS ON BLOCK IN GENERAL
                   (BOTH SIDES OF STREET) LOOKS:                              

                   1.  BETTER THAN R'S
                   2.  AS GOOD AS R'S
                   3.  WORSE THAN R'S
                   4.  NO OTHER BUILDINGS IN VIEW;
                       Inap. (Interview not conducted in R's home)


6523        ZZ8.   PLEASE RATE THE PHYSICAL CONDITION OF THE INTERIOR OF THE
                   HU:                                                        

                   1.  EXCELLENT: WALLS AND CEILINGS HAVE NO CRACKS; PAINT OR
                       PANELLING IS IN GOOD CONDITION
                   2.  GOOD: NEEDS SOME MINOR PAINTING OR REFINISHING
                   3.  FAIR: NEEDS MAJOR INTERIOR WORK--HOLES AND/OR CRACKS
                       NEED PATCHING, PAINTING NEEDED, ETC.
                   4.  POOR: SOME WALLS OR CEILINGS NEED REPLACEMENT
                   0.  Inap. (Interview not conducted in R's home)


6524       ZZ9.   NEIGHBORHOOD RESIDENTS SEEM TO BE:                         

                   1.  ALL BLACK
                   2.  ALMOST ALL BLACK
                   3.  HALF BLACK AND HALF NON-BLACK
                   4.  ALMOST ALL NON-BLACK
                   5.  ALL NON-BLACK
                   0.  Inap. (Interview not conducted in R's home)


6525        ZZ10.  R'S UNDERSTANDING OF THE QUESTIONS WAS . . .               

                   1.  EXCELLENT
                   2.  GOOD
                   3.  FAIR
                   4.  POOR


6526        ZZ11.  R'S ABILITY TO EXPRESS (HIMSELF/HERSELF) WAS . . .         

                   1.  EXCELLENT
                   2.  GOOD
                   3.  FAIR
                   4.  POOR


6527       ZZ12.  WAS R SUSPICIOUS ABOUT THE STUDY BEFORE THE INTERVIEW?     

                   1.  NO, NOT AT ALL SUSPICIOUS
                   2.  YES, SOMEWHAT SUSPICIOUS
                   5.  YES, VERY SUSPICIOUS


6528        ZZ13.  WAS R SUSPICIOUS ABOUT THE STUDY AFTER THE INTERVIEW?      

                   1.  NO, NOT AT ALL SUSPICIOUS
                   2.  YES, SOMEWHAT SUSPICIOUS
                   5.  YES, VERY SUSPICIOUS


6529        ZZ14.  OVERALL, HOW GREAT WAS R'S INTEREST IN THE INTERVIEW?      

                   1.  VERY HIGH
                   2.  ABOVE AVERAGE
                   3.  AVERAGE
                   4.  BELOW AVERAGE
                   5.  VERY LOW


            ZZ15.  OTHER PERSONS PRESENT AT THE INTERVIEW: (CODE ALL THAT
                   APPLY.)
6530        ZZ15      CHILDREN UNDER 6                                        
6531        ZZ15.     CHILDREN 6 & OVER                                       
6532        ZZ15.     SPOUSE                                                  
6533        ZZ15.     OTHER RELATIVES                                         
6534        ZZ15.     OTHER ADULTS                                            
6535        ZZ15.     NO ONE                                                  

                   1.  Checked                              
                   5.  Not checked



6536        ZZ16.  DID R REFER TO DOCUMENTS TO ANSWER QUESTIONS?              

                   1.  FREQUENTLY
                   2.  SOMETIMES
                   4.  RARELY
                   5.  NEVER



            ZZ17.  WHICH DOCUMENTS DID R REFER TO? (CODE ALL THAT APPLY)
6537        ZZ17.     LOAN DOCUMENTS                                          
6538        ZZ17.     CHECKING; SAVINGS; INVESTMENTS                          
6539        ZZ17.     PENSION DOCUMENTS                                       
6540        ZZ17.     INCOME TAX RETURN                                       
7769        ZZ17.     OTHER
7770        ZZ17.     BILLS
7771        ZZ17.     PAY STUBS
7772        ZZ17.     OTHER RECORDS

                   1.  Checked                              
                   5.  Not checked
                  -1.  None
                   0.  Inap. (Did not refer to documents)


7504        ZZ18.  IN WHAT LANGUAGE WAS THE SURVEY CONDUCTED?
                   1.  English
                   2.  Spanish


-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
BANK MARKET STRUCTURE VARIABLES
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------

           The following variables relate to the structure of the
           banking markets in which the respondent lives.  These
           variables come from files maintained by the Financial
           Structure Section.  This information is matched to the
           survey data at the level of the MSA where possible, or at
           the county level otherwise.


X8460      Geographic linkage variable used in FRB bank structure
           data: values less than 1000 are MSA, and other values are
           10,000*(state FIPS code)+(county FIPS code).
           *********************************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           *********************************************************


X8461      Percentage market share of the four largest commercial
           banks in the MSA or county where the respondent
           lives. (CM_CR4 in FRB bank structure data: maximum
           value=100)
           *********************************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           *********************************************************


X8462      Percentage market share of the four largest commercial
           banks, thrifts and credit unions in the MSA or county
           where the respondent lives. (CR4_ALL in FRB bank structure
           data: maximum value=100)


X8463      Herfindahl index (sum of squared percentage market shares
           of commercial banks in the MSA or county where the
           respondent lives. (100*CM_HERF in FRB bank structure data:
           maximum value=100)
           *********************************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           *********************************************************


X8464      Herfindahl index (sum of squared percentage market shares
           of commercial banks, thrifts and credit unions in the MSA
           or county where the respondent lives. (100*HERF_ALL in FRB
           bank structure data: maximum value=100)
           *********************************************************
               NOT INCLUDED IN THE PUBLIC DATASET
           *********************************************************

-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
                       1992 SURVEY OF CONSUMER FINANCES

                         REVISED EDITING INSTRUCTIONS

                         GENERAL EDITING INSTRUCTIONS
-----------------------------------------------------------------------------
-----------------------------------------------------------------------------


Recording   1.  FM's must write in the interviews in GREEN ink only.  Editors
                must use RED ink only.  The Editing Supervisors must use BLUE
                pencil and must initial all decisions they make.
                                            
Deleting Items  2.    Never erase an interviewer's entries.  Instead, delete
                      them by circling them out.  The interviewer's entries
                      must always remain readable even after deletion.  Editing
                      marks may be erased if editing changes are made.

Moving Items    3.    When it is necessary to move a response from one part of
                      the interview to another, circle the item out, and enter
                      it in the new place.  Be sure to place a note at the old
                      place stating where the item was moved to and why.  Add
                      another note at the new place stating where the item was
                      moved from.

Explanatory     4.    Explanatory notes should also be made (in addition to
Notes                 item 3 above) whenever a decision is made which
                      might not be apparent to someone
                      reviewing the interview.  THE REASON FOR YOUR
                      EDITING SHOULD BE MADE CLEAR.

Missing         5.    Edit a response missing whenever a question was skipped
Responses             which should have been asked.

The Golden Rule 6.    READ ALL MARGINAL NOTES and the THUMBNAIL SKETCH (on the
                      back page) and utilize the information contained in them
                      in your editing.  If any information from them will be
                      lost due to following the editing instructions, or if it
                      contradicts other information, or you do not know how to
                      incorporate it, see the Editing Supervisor.  WE DO NOT
                      WANT TO LOSE ANY IMPORTANT INFORMATION CONTAINED IN
                      MARGINAL NOTES.

Multiple    7.  If more than one response is given by R, for questions
Responses       where we code only one response, code the first answer
                given (lowest coded response). 

Filter          8.    MAKE SURE FILTER QUESTIONS ARE CHECKED
Questions
                a.    If a filter question was left blank but the
                      questions contingent upon it were answered, you
                      can edit the filter question to agree with the
                      contingent Q's. 
      
                b.    If a filter question was left blank and the questions
                      contingent upon it were also left blank, the filter
                      question should be NA'd, unless the I'wer has circled or
                      underlined a skip instruction at the filter Q indicating
                      which box was meant.  Then the appropriate
                      filter box may be edited in.

                c.    If, however, the filter question was checked and the
                      series of questions contingent upon it were left blank,
                      the filter question should be left as is and the
                      contingent questions that follow should be NA'd.

Ranges and  9.  If a range is given, circle it out and edit it to the midpoint
Rounding        of the range.

Range Card  10.    Whenever Range Card was used, the I'wer should have recorded
                   a letter.  Editors should edit the range card letter to a
                   leading 9, zero fill plus the numerical equivalent of the
                   alphabet (A=1, B=2, C=3, etc). 


                        RANGE CARD

                      A $1 to $100
                      B $101 to $500
                      C $501 to $750
                      D $751 to $1,000
                      E $1,001 to $2,500
                      F $2,501 to $5,000
                      G $5,001 to $7,500
                      H $7,501 to $10,000
                      I $10,001 to $25,000
                      J $25,001 to $50,000
                      K $50,001 to $75,000
                      L $75,001 to $100,000
                      M $100,001 to $250,000
                      N $250,001 to $1,000,000
                      O $1,000,001 to$5,000,000
                      P $5,000,001 to $10,000,000
                      Q $10,000,001 to $25,000,000
                      R $25,000,001 to $50,000,000
                      S $50,000,001 to $100,000,000
                      T More than $100,000,000

Cents Recorded   11.  If dollars and cents are recorded in amount fields OTHER
                      THAN HOURLY WAGES, circle out the cents portion. 
                      However, if you are using such a number for calculations,
                      use the cents.
 
Supervisor's     12.  When an editor makes a decision with the help of an
Decisions             editing supervisor or a study director, he/she
                      should record the initials of the person who
                      helped them next to the explanatory note. 

Editors' Problem 13.  The purpose of the "Problem Sheet" is to provide a more
Case Summary          complete description of certain types of problem cases.
                      There is no formal "Problem Sheet".  Use the
                      inside back cover and post-it notes as your
                      "Problem Sheet.  The information will be used to
                      review decisions made, to provide additional data 
                      for the imputation process, and to give a more
                      complete picture of the case than the data alone
                      allows.  Information should be added in all the
                      following circumstances:

                 a.  Whenever there are marginal notes or other volunteered
                     information that is not captured in the editing/coding,
                     especially dollar amounts and including responses to
                     questions that Interviewers asked in error.

                 b.  When a decision has been made that was somewhat arbitrary
                     and could have been made another way using the information
                     provided.  In these cases, all information relevant to the
                     decision should be recorded.

                 c.  Wherever specifically instructed to do so in the Edit
                     Instructions.

                 d.  When requested to do so by the Editing Supervisor.

                 e.  When an item must be NA'd because only "partial"
                     information is known, record the "partial" information
                     which would otherwise be lost.

                 f.  When significant detail is volunteered about assets or
                     debts in "mop-up" questions which will not otherwise be
                     incorporated into the data.

                 g.  When certain "wide" ranges are edited to their midpoints
                     they should also be recorded.  These "wide" ranges are
                     whenever:

                        THE TOP OF              THE RANGE WIDTH
                        THE RANGE IS...   AND   IS AT LEAST...  

                        UNDER 100,000           10,000 or more
                        100,000-1,000,000             100,000 or more
                        OVER 1,000,000          1,000,000 or more

                     Problem Sheets should be written in BLACK PENCIL or INK. 
                     Complicated or complex marginal notes and problems can be
                     xeroxed and attached.  They should be left in the
                     Interview and removed by the check-editor.

Double Counting  14.    Editors need to be continually on the lookout for
                        instances where the respondent has reported the same
                        information twice.  In many cases, a marginal note from
                        the I'wer will signal double-counting; if the note is
                        clear, edit accordingly; if it is not so clear, you
                        will have to use your best judgment and, if necessary,
                        see the Editing Supervisor.  In all cases, where a
                        marginal note leaves significant doubt about whether or
                        not an amount is double-counted, put it on a Problem
                        Sheet, whether your best judgment has led you to edit
                        it out or not.

                 In some cases, you will suspect double-counting only because
                 the same amount occurs in two different places.  If the number
                 is a simple, whole amount (such as $2,000), you will only be
                 able to suspect, but do nothing.  If, however, the number is
                 precise (say, $2,212, or better yet, $2,212.48), you may
                 (depending on the circumstances) have clear evidence for
                 double-counting.  See the Editing Supervisor if it is not
                 certain.

                 The question-by-question instructions that follow will include
                 specific instructions where double-counting is likely to occur
                 and should be watched for, so be especially alert in these
                 places.

                 In some cases where double-counting is found, data will be
                 removed from one location; in other cases, the double counting
                 will be allowed to stay in both places.  Cases of special note
                 follow:

                     Section F:           A debt owed by R or other PEU member
                                          to a family
                                                                  (F12-F123)
                                                      business listed at F12-
                                                      F12.3 can also be
                                                      reported at I4-I14.

                     Section R:           Amounts listed as cash settlements at
                                          R98.3 can be double-
                     (R98-R98.5)    counted in other sections.  If the cash
                                    settlement is the source of funds, they may
                                    be validly double-counted as investments or
                                    holdings in accounts.


                     Section Y:           Information that appears in Section Y
                                          as assets or debts of 
                     (Y33-Y40.3)    Financially Independent household members
                                    and in the other sections of the I'w will
                                    be removed from the other sections and left
                                    in Y33-Y40.3, with the exception of the
                                    data on R's home  (Y39-Y39.3).

                     Section X:           Assets that appear in Section X and
                                          also in earlier sections may be left
                                          in both places, since Section X
                                          refers to the source of the assets,
                                          and the earlier sections about how
                                          it's currently held.

                     Section T:           Income amounts that are reported in
                                          other places in the interview and in
                                          Section T should be left in both
                                          places.  Section T asks for all
                                          income and stands independently of
                                          the other sections except where
                                          noted.

General Rule     15.    If it is necessary to split $ amounts in order to move
for Splitting           only a part of a debt, income, or asset to either a
Items                   different place in the Interview or out of the 
                        interview, one should use all available
                        evidence and common sense to decide on the
                        proportions.  If no evidence at all is 
                        available, you should split the amount(s) in
                        equal parts.  IN ALL UNCLEAR CASES, however,
                        you must get the help and advice of the
                        Editing Supervisor or have the Editing
                        Supervisor review the procedure you used and
                        you must write it on a Problem Sheet.


Financially      16.  The information about financially independent adults
Independent           living in the HU is to be edited out of all
Adults                 sections except the HHL and:

                       a.  F9.2, where they can legitimately be
                           recorded as working in R/S's business. 

                       b.  Section Y, where their assets, and health
                           insurance debts are recorded.
                 
Editing          17.    a.    When adding or deleting columns to or
Grids                         from a grid be sure the checkpoints
                              at the bottom of the grid are edited 
                              to reflect the changes made; also
                              change the #'s in the phrase "ONLY
                              ___ LOANS (SAVINGS ACCTS, etc.)" so
                              they agree.

                        b.  After editing out columns, renumber the
                            remaining columns by circling out the #'s
                            in the column headings. 

                        c.  If an item is edited out of a full grid,
                            thus creating an empty column, and there
                            is information entered in the 
                            following mop-up Q's, move it forward into
                           the empty column.  

                 d.  If amounts from the "mop-up" questions following a grid
                     must be entered into a grid column and the amount in the
                     mop-up Q is a lump sum of more than one item, split the
                     amount proportionately.  If unclear how to split, see the
                     Editing Supervisor.  In any case, write up what you did on
                     a Problem Sheet.

                 e.  After all deletions or additions to a grid take care to
                     edit the filter # entered in the box before the grid to
                     the correct new total # of items (i.e., after editing a
                     "tractor" out of the vehicle grid, which also contains a
                     car and pick-up truck, be sure to edit the control box at
                     G25.1 to "2").

"Partners"  18.  For the purposes of this study, a "Partner" is
                 assumed to play the same financial role in a P.E.U.
                 as does a "Spouse" and, for this reason, "Partners"
                 are handled in the Interview exactly the same as
                 "Spouses."  If you, however, think you have found
                 evidence that an Interviewer did not treat a
                 "Partner" the same or that a particular "Partner"
                 might be better considered (financially) a "Friend"
                 or "Roommate", bring the problem to the attention of
                 the Editing Supervisor and write them on a Problem Sheet.

Confidential     19.    If confidential information (such as names,
Info                    names of businesses, etc.) is found 
                        in the interview or in the TN, you should blot
                        it out with a black pen.  If information
                        would be lost because of this, edit
                        non-identifying information in to replace it in
                        green pencil (i.e., if the name of R's
                        business is written in the TN, blacken it out
                        and write in "R's business").

Loan/Mortgage 20.    If a marginal note indicates that a Mortgage or
Payments             Reg. Installment payment reported is not the
                     payment amount agreed on (for example, if 
                     R is "prepaying" on a loan), edit the payment to
                     the payment amount formally agreed to (or NA it
                     if that amount is not known) and write it and the
                     amount actually being paid on a Problem Sheet.

Checking Type of 21. In the grid in Section A, R is asked to enter
Financial Inst.      information on the financial institution he/she
                     does business with in columns labelled 
                     "INSTITUTION #1-#6".  In later grids at Q's D36,
                     D51, D53.8, D64, D69.7, E33, G22, G38, H15, I14,
                     N4, N19 and N24, these "INSTITUTIONS" are
                     referred to in code boxes 01-06.  In these Q's
                     only one box should be checked in each column of
                     the grid.  If more than one is checked you 
                     should edit it to one using the following rules:

                 a.  If category 1-6 and category 11-97 are checked,
                     edit it to only category 1-6 if, on checking at
                     A6, it is found that category 1-6 is the same
                     type of financial institution as category 11-97. 
                 
                 b.  If they are found to be different types, or more
                     than one of category 11-97 boxes are checked, see
                     the Editing Supervisor.

                     IF "FINANCIAL INST" Q IS "CHECK ALL THAT APPLY"

                     However, at B8, B10, N13, N22.3, N40.1 and N45 the
                     instructions in the questions are to "(CHECK ALL THAT
                     APPLY)".  For these you should ONLY make sure that the
                     number of items mentioned at the beginning of the
                     sequenceis not LESS THAN the number of
                     institutions checked.  If they are, then see the
                     Editing Supervisor, unless rule a. above applies.

                     INSTITUTIONS CARD
                     
                     The types of accounts listed on the institutions card will
                     not always correspond to the organization of the data in
                     the questionnaire.  For example, some people may list a
                     money market account on the card, but report the account
                     in the checking account grid in Section N.  Some people
                     list institutions where they formerly held  accounts.
                     However, the card may also be useful as an editing device.
                     For example, a respondent may report that she has a
                     checking account at a commercial bank while the
                     institutions card shows a checking account at an
                     institutions that we know is a commercial bank from the
                     information in Section A.  In some cases, when a
                     respondent is asked directly, he may refuse to tell us if
                     he has some type of asset or debt that he has already
                     revealed to us on the card.  In such cases, you may edit
                     in the asset or liability.


Edit Fractional  22.    At various places in the Interview (D30, D45,
Years                   D58, E9, E25, G16, G32, H10, I8)
                        R is asked to respond with ___# YRS or ___#
                        PYMTS.  If the responses to any of these is a
                        fractional number of years in the # YRS blank
                        (e.g., "1-1/2" YRS), these should be edited 
                        out of the # YRS blank and the corresponding
                        number of payments should be computed and
                        edited into the # PYMTS blank, 
                        as per the following:

                 a.  At D30, E9 and E25 the Q just before or following
                     specifies the frequency with which the payments are  made
                     (i.e., $___ PER ___) and the number of payments would be
                     computed from that (e.g., if "1-1/2 YEARS" paid PER
                     "QUARTER" to "6" # PYMTS).

                 b.  For the rest, the # of payments should be computed
                     assuming one payment per month (e.g., "1-1/2" YRS = "18"
                     # PYMTS).

                 c.  If any marginal notes or information should indicate that
                     some other "regular" frequency of payments is reported
                     than the frequency formally agreed on (because the loan is
                     being prepaid, for instance), then use the frequency
                     agreed upon to compute the # of payments and it should
                     also be noted on the Problem Sheet.

$___ PER ___  23.    Throughout this interview, dollar amounts are asked for as
                     $___ PER___ where the PER frequency is left optional for
                     the R.  These are coded in two variables and the "PER"
                     variable contains codes for "WEEK", "BIWEEKLY", "MONTH",
                     "QUARTER", "YEAR" and "Other-MAKE A CARD" and, in
                     addition, "DAY" when wages are asked for.  Thus, THERE IS
                     NO REASON FOR YOU TO EDIT THESE UNLESS SPECIALLY
                     INSTRUCTED, even if the Q asks for an answer in a
                     different time period than the R answers in (e.g., N49.10
                     asks for "yearly premium"; you should not edit a response
                     of $"20" PER "MONTH").

Grid Control  24.    At the beginning of most of the grids in the
Questions            interview (D53, E2.1, E15, F2, Boxes F4.1, G2,
                     G7.1, G7.1, G25.1, H2, I3, N3, N16.1, N23.1, 
                     R18, R97.1, R98.1 and X2) are large boxes which
                     function as CONTROL BOXES for the grid.  The
                     number in the box should be equal to or greater 
                     than the number of items recorded in the grid.

                 a.  If the grid does not have a set of "mop-up" questions at
                     the end of it, in which more than one item may be lumped,
                     then the number in the grid will match or be greater than
                     the number of items entered in the columns of the grid.

                 b.  If the grid does have a set of "mop-up" questions at the
                     end, then the number in the box must be at least as large
                     as the number of columns in the grid plus the number known
                     to be in the mop-up questions.

                 c.  If you edit items into or out of a grid, you must edit the
                     filter box for it, to keep it consistent with the grid and
                     mop-up questions.

Gift/Inheritance 25.    Throughout the interview (at D11.3, D12.2,
Boxes                   D15.1, D15.3, D15.5, D20, E19, E36.2, and
                        E37.1), when the value of an asset 
                        is asked, a "GIFT/INHERITANCE" checkpoint is
                        included.  Whenever you encounter one of these
                        and marginal notes or information says that the
                        asset, or part of the asset, was a gift or
                        inheritance, you should:

                 a.  Make sure the 1 is circled. 

                 b.  Make sure the value given was the value of the asset when
                     it was received.

                 c.  If an asset was received as a gift or inheritance in
                     parts, at different times, see the Editing Supervisor.

                 d.  If 1 is not circled, editors should circle 2.

Business Debts   26.    In Sections G, H, I, N and at E1-E13.2 you are
and Assets              instructed to edit out "business"
                        debt or assets in order not to double-count
                        them, as they are assumed to be included in
                        Section F.  Whenever so instructed, we mean
                        "business" debts and assets to be defined as
                        follows:  

                 a.  The "business" is a business that R or some other PEU
                     member owns or has an interest in which is included in
                     Section F as an active or passive business.  
                     If R or a PEU member does self-employed work but does not
                     consider it to constitute a "business" (and does not list
                     it in Section F), then any income producing assets they
                     use or debt they incur for it are "personal" and these
                     assets and debts and should be left in.

                     An example of this would be an R who owns a tow truck
                     (which he still owes money on) to do part-time towing, but
                     does not consider that he has a business, so answers F3
                     "NO".  You would leave his tow truck in the Section G
                     grid.

                 b.  The "business asset" should be owned "in the name of" the
                     business rather than being owned as a "personal" asset by
                     the PEU.  Likewise, the business should be liable for the
                     debt rather than the PEU.

                     Thus, if R borrows money for his business in his name and
                     he is liable for it, it is not "business debt."  Also, if
                     R's business owns an asset (like a car), but R uses it, it
                     is a "business asset."

                     NOTE:  Solely owned proprietorships (see F9-4) are
                     particular problems and in general you should consult the
                     Editing Supervisor if you encounter "business" debt or
                     assets for a solely owned proprietorship outside of
                     Section F.

Seasons          27.    If MONTH is NA, but season is given, code: 
                        Winter = 02   Summer = 08   Spring = 05  
                        Fall   = 11 

# of years =     28.    For all Q's asking "# of years", code "01"
less than 1             will include one year or less but will not
                        include "NONE". 




                     ABBREVIATIONS USED IN EDITING

DU            Dwelling Unit = HU Housing Unit   I'w   Interview
EU            Economic Unit                     Mtg   Mortgage
Ed. Sup.      Editing Supervisor                      NA    Not Ascertained
FU            Family Unit                       OCC   Occupation
HU            Housing Unit                      PEU   Primary Economic Unit
Inap          Inapplicable Unit                       Pmt   Payment
I'er          Interviewer                       R     Respondent
IND           Industry                          S     Spouse



              USEFUL DEFINITIONS

      1.      HOUSING UNIT (HU):

              a. A one-family house or half of a two-family house, or
              b. An apartment or flat in an apartment house or other building,
                 or
              c. A trailer or mobile home (as long as it has cooking
                 facilities), or
              d. Living quarters in back of stores, over garages, etc., or
              e. A rooming house.

              We do not sample institutions such as old people's homes,
              sanitariums, convents, military bases, dormitories, etc., which
              contain ten or more unrelated families.

      2.      FAMILY UNIT (FU):  A Family Unit is a group of persons living in
              the same Housing Unit who are related to each other by blood,
              marriage, or adoption.  Couples who are living as married are
              treated as if they were married.  

      3.      PRIMARY ECONOMIC UNIT (PEU):  The members of the FU that includes
              the Respondent, who are Financially Dependent upon the R.  For our
              purposes, the PEU consists of all the people listed in the HH
              Listing Box who are not checked "INDEP" in Column F.
                        LISTING BOX -- P. 1, HHL1-HHL5
                                                                              
FS            INITIAL THE INTERVIEW AT THE TOP LEFT OF PAGE 1     
              
TN            READ THE THUMBNAIL ON LAST PAGE AND Y41 FOR ADDITIONAL INFORMATION
              AND TO LOCATE TROUBLE SPOTS IN THE INTERVIEW.  UNDERLINE USEFUL
              INFORMATION IN RED.

HHL           CHECK WHETHER THE INTERVIEW SHOULD HAVE BEEN TAKEN.  If you find
BOX           an interview taken:

              1. where the current PEU did not live in the HU at the time
                 the I'wer first went to the HU (except for list sample
                 cases).

              2. where the R is not a member of the PEU.

              3. at a place which does not fit our definition of a HU.

              Take it to the Editing Supervisor.  The decision whether to accept
              it or not will be made elsewhere.

HHL           CHECK THE LISTING BOX AND EDIT OUT NON-HU MEMBERS
BOX
              1. The listing box should contain all persons living in the
                 housing unit at the time the interviewer first had contact
                 with the household.  

              2. It should not include visitors or persons who are not
                 currently living in the HU. 

              3. Edit out non-HU members (by circling in red) and writing an
                 explanatory note.  Use information from the HHL as well as the
                 rest of the Interview and the TN.  In cases where the
                 situation is complex, the final test is whether or not the
                 person could have, theoretically speaking, been interviewed
                 somewhere else at the time that the interviewer CALLED ON THE
                 HU for the first time.  In order to ascertain the date of the
                 interviewer's first call it is necessary to obtain this
                 information from the Cover Sheet in the Field Control Office. 
                 See a Check Editor or Supervisor for this.  As much as
                 possible, the judgment of the Interviewer should be
                 maintained.  If it is unclear if a person should be included
                 or not and the Interviewer has included them (and thus their
                 financial information), then usually we should include them. 
                 Likewise, if it would mean NA'ing a lot of data because the
                 Interviewer did not not include them, then we shouldn't.

              4. If you edit anyone out of the HHL box you must also edit out
                 any financial information for the person from the interview. 
                 You should take any such cases to the Editing Supervisor and
                 you must write it up on a Problem Sheet.

              5. If you edit any children of R, Spouse or Partner out of the
                 Listing Box you must edit them into Y5-Y5.2 (the number of
                 children of R and Spouse/Partner living elsewhere).


HHL COL D     CHECK MARITAL STATUS AND MOVE SPOUSE/PARTNER TO LINE 2:

              1. Check that the marital status for R and Spouse/Partner is the
                 same -- either both married or both living with a partner (M
                 or P).  If there are any discrepancies, bring them to the
                 attention of a supervisor.

              2.     If R reports "married," but is not currently living with
                     his/her spouse, the R may either be separated or the
                     spouse may be living in an institution, be away in the
                     military, maintain a separate address during the week,
                     etc.

                 a.  If the R and spouse are actually separated, change the
                     marital status and edit the questionnaire to remove the
                     spouse to the degree this is possible and mark the case
                     for review by an editing supervisor.

                 b.  If the spouse is temporarily away or regularly returns, we
                     would like to include the spouse in the questionnaire.
                     Code the spouse marital status using the "7" or "8" code
                     and leave any assets and liabilities reported in the 
                     questionnaire.  If the R does not include all of the
                     assets  and liabilities of the spouse, make the case for
                     review by  an editing supervisor.  Code residence status
                     4 (see below  for explanation).
              
              3. If the spouse/partner is not listed on the second line,
                 renumber the HH members, giving the spouse/partner #2.  Draw
                 an arrow from the S/P to line 2 indicating that the
                 spouse/partner should be entered on Line 2.

              4. NOTE:  "S" means "Separated" (not "single").  "NM" means
                 "Never Married."

              5. If a child/stepchild of R/S is over 18 and marital status is
                 not marked, code it missing.


HHL COL E     PRECODE RESIDENT STATUS

              Read over any marginal notes and use the following code for each
              person in the HHL box.



                             RESIDENT STATUS CODE

      For codes 2-4 and 7, circle out the YES or NO response and enter the new
      code in the middle of COL. E.  For codes '1' and '2', underline the "1" or
      "2" in green.


HHL COL F     PRECODE THE ECONOMIC UNIT

              Code the "economic unit" to which each person in the listing box
              belongs.  Enter the code to the left of the center bar of COL. F,
              under 'FINANC DEPEND'.  Use the following code; R is always coded
              '1'.  

              If it is unclear whether a person is FINANCIALLY DEPENDENT or
              INDEPENDENT or which EU a person should be a member of, see the
              Editing Supervisor.


EU MEMBERS    The debts, assets and income of all PEU members (coded 1) should
be included in
FINANCIAL     Sections A-X and none of them should be included in Y33-Y43. 
Likewise, all
INFO IN       all persons not in the PEU (i.e., in 2nd, 3rd, etc. EU) should
have their finances
WRONG PLACE   reported in Y33-Y40.2 and should not be reported in Sections A-X
              (with the exception of house value and mortgage information to be
              explained later).  Thus, if you edit anyone into or out of the PEU
              or you find any evidence that anyone's finances are reported in
              the wrong place, you must edit them to agree with the HHL box and
              it should be entered on a Problem Sheet.  If there are any doubts
              concerning this issue, you should bring the Interview to the
              Editing Supervisor.


PARTNER       If any Spouse or Partner is marked "FINANC INDEP":
OR SPOUSE
MARKED        1. If it is a partner marked "INDEP" and their finances are
                 clearly reported in
INDEP.               Y33-Y43 and not in Sections A-X the "partner" should be
                     edited to "friend" in the HHL box.  If their finances are
                     included in Sects. A-X and not in Y33/Y43, edit COL F of
                     the HHL box to 'FINANC DEPEND'.

              2. If it is a spouse marked "INDEP", COL F should be edited to
                 "FINANC DEPEN".  In either of the above cases, the Interview
                 should be taken to the Editing Supervisor and a Problem Sheet
                 written up.


UNDER 18      If a person under 18 years old is marked "INDEP":
MARKED
INDEP         1. If it is clear that their finances are reported in Y33-Y43 and
                 not in Sections A-X, leave things as they are.

              2. If their finances have not been included in Y33-Y43, but
                 instead in Sections A-X, edit them to "FINANC DEPEND".
                 SECTION A:  ATTITUDES AND FINANCIAL INSTITUTIONS




A5, A5.11     Check that the number entered at A5 agrees with the number entered
              in the box at A5.11.  If  does not, see the Editing Supervisor.


A5.11         Edit the # INST entered in the box at A5.11 is equal to or greater
              than the number of Institutions recorded in A6-A9 for Columns #1-
              #6.  If R reports more than 6 institutions, the number in this box
              may be greater than 6 even though only 6 institutions will be
              listed in the grid.


A6-A9         FINANCIAL INSTITUTIONS GRID

              1. Columns should be neither added to this grid nor deleted.  If,
                 however, more than six institutions are entered in the
                 columns, edit those beyond six out.  There should only be six
                 institutions listed in the columns.  See the Editing
                 Supervisor if there is any confusion here concerning which
                 institution R regarded as #1, #2, etc.
      

A7            If R chose more than one response, take the first one in the list.



                 SECTION B:  ATTITUDES TOWARD CREDIT/CREDIT CARDS

B6-B10        CREDIT CARD GRID

              1. If R does not know how many cards of a particular type other
                 family members have, or the balance on those cards, the
                 interviewer is instructed to make a marginal note.  Enter this
                 information on a Problem Sheet.

              2. Edit out all credit cards in the name of a business (including
                 businesses that the PEU has an interest).  Do not, however,
                 edit out credit cards in R's or PEU members' names but which
                 may be used for business.

              3. Check Column E credit card type.  If it is clear that a credit
                 card listed in COL E really belongs in one of the other
                 columns, edit the information into its proper location.  Most
                 commonly a store credit card will have been entered here and
                 should be edited to COL B.

                 a.  Telephone cards (other than cards like the  AT&T Universal
                     Card which are a Visa/Mastercard and a telephone credit
                     card) should be removed.


B6,B10        Check the Number of Financial Institutions against the Number of
Bank-Type Cards.           COL A                If there are more institutions
                                                checked at B10 than the # of
                                                accounts entered at B6, see the
                                                Editing Supervisor.



                       SECTION D: HOUSING STATUS (D1-D22)

D1            1. Check that the correct sequence was followed at interviewer
                 checkpoint.  Check ZZ2 and D16 to help in identifying
                 problems.

              2. See farm guidelines, p. 24.


D5            OWNERSHIP STATUS OF FARM/RANCH

              1. Check that R's who live on farms or ranches have gone through
                 the own/rent sequence appropriately.  Look for marginal notes
                 that explain any unusual situations, and bring these to the
                 attention of the supervisor if the sequence marked does not
                 appear to incorporate all information.

              2. If PEU are tenant farmers:   A tenant farmer rents his farm
                 and pays rent in cash.  For people in these classifications,
                 make sure the "RENTS" box is checked at D5.  Check the rent
                 amount given at D17; if it is given as a dollar amount, leave
                 it as is.  If R "doesn't know", edit it to DK.  In either
                 case, write it on the Problem Sheet if the rent, or part of
                 the rent, is not paid in money.

              3. If the "OTHER" box at D5 is marked, examine the response to
                 see if it should be edited to boxes 1-4 only if the proper
                 skips have been followed.  If the response should remain in
                 the 'OTHER' box, write it on a Problem Sheet.


D5.3          Edit as per D19 below.


                             FARM EDIT GUIDELINES


We have arrived at a set of guidelines for handling farms that we think will be
fairly clear in most cases.  The guidelines are:

For farm owners and operators:

      1.      D5.3 (or D10) will contain the value of all the land and
              structures on the farm that the PEU owns; and D20 should be the
              total cost of all the property and structures on the farm that the
              PEU owns.

      2.      Frequently farmland that is not adjacent to the land the home is
              located on is reported in section E.  Such property and any
              associated debt should be moved from the E section to the
              appropriate section D sequences.

      3.      The above assumes that the PEU actively manages a farming business
              that is reported in the F15-F19 sequence.  The amounts in F14 and
              F15 will contain the following:

              F14    Only the value of implements, crops, farm animals, and
                     anything else except the value of the land and structures.

              F15    The amount that was paid for all of the above.

      
              In all cases these items will need to be checked by the Editing
              Supervisor.

For all cases that do not fit the situations outlined above, see the Editing
Supervisor.


D11, D11.5    MOBILE HOMES:

              1. Look for marginal notes that explain any unusual situations,
                 and bring these to the attention of the supervisor if the
                 sequence marked does not incorporate all relevant information. 
                 Write such cases on a Problem Sheet.

              2. If "NEITHER OWNS NOR RENTS" is marked, examine the responses
                 to see if R owns any part of the site or mobile home.  If so,
                 edit D11 and follow-up questions appropriately to agree with
                 the information you have.  If there is any uncertainty about
                 how to code D11, see the Editing Supervisor.



D16-D16.2     HOUSE/APARTMENT/FARMHOUSE OWNERSHIP STATUS:

              1. Look for marginal notes that explain any unusual situations. 
                 If the sequence marked does not appear to incorporate all
                 information, bring these to the attention of the Editing
                 Supervisor.  Write up any problem cases on a Problem Sheet.

              2. If R mentions Homeowners' Association at D16, edit it to '5.
                 TOWNHOUSE ASSOC.'

              3. a.  If the home is owned wholly or partly by a business owned
                     by the PEU (in Section F), see the Editing Supervisor.

                 b.  If R owns the home with people in the household who are
                     not part of the PEU, be sure the value and mortgage
                     reported in Section D corresponds ONLY to R's share.  The
                     entire value of the property and the mortgage are reported
                     in Section Y, Q.39.2 and Q.39.3.


              4. If "R LIVES IN MULTIPLE HU STRUCTURE" is checked at D16.3,
                 check the responses to D18 and D18.1.  

              5. If "NEITHER OWNS NOR RENTS" is checked, read the explanation
                 given at D16.4 and check that the correct sequence was taken.
  
                 a.  If it appears that R owns any part of his/her home, edit
                     D16 to "OWNS OR IS BUYING" and edit the follow-up
                     questions appropriately, using all the information given. 
                     If there is any uncertainty, see the Editing Supervisor
                     and write any problem cases on the Problem Sheet.

                 b.  If R's housing is fully subsidized by the government,
                     including military personnel, edit D16 to "PAYS RENT".


                                  DEFINITIONS


D16.3 In principle, when R lives in a multiple HU structure and R owns more than
      the unit he lives in, we only want the details on only R's unit in Section
      D with the remaining value reported in Section E.  Where possible, edit
      the data in this way. However, particularly for smaller structures
      (duplexes, triplexes, houses with basement or garage apartments), it will
      be virtually impossible to make a separation.  In such cases, make a note
      on the problem sheet and accept the data for the entire structure.
D17-D17.3     IF PEU PAYS RENT:

              1. If R pays for both room and board, edit out the amount paid
                 for board.  If the amount paid is not known, assume half of
                 what is paid is rent.  If this seems unreasonable, see the
                 Editing Supervisor.

              2. We want the rent most recently paid (or due).  For example, if
                 "the rent was just raised to $275, but when the rent was paid
                 last it was $260," edit it to $260 per month.  If R mentions
                 several different rents paid over the past year and gives an
                 average, edit to the rent last paid (or due).



              3. If the rent is shared with other EU's, edit D17 to the PEU's
                 share only.  If several "Independent Adult" roommates share
                 the rent with R and the proportions are unknown, split the
                 total rent equally among them and edit D17 to R's share.  If
                 the situation is more complex, see the Editing Supervisor.

              4. FOR TENANT FARMERS -- see D5.

D17.1         Water is not assumed to be a utility for purposes of D17.1.  If
              "Yes, water" or "only water," edit the response to "NO" 

D17.2         If only stove and/or refrigerator are provided, edit D17.2 to
              "UNFURNISHED" if it is not already so marked.

D17.3         If R "lived here before," moved out and then moved back, edit
              D17.3 to date R moved back this time.  If R lived in another
              apartment in this building or project before moving to this
              apartment, edit D17.3 to date R moved to this apartment.

D18, D18.1    Look for marginal notes here explaining any unusual situations. 
              If it is unclear how such information should be coded, see the
              Editing Supervisor.  Write it up on a Problem Sheet if there are
              any unusual or confusing situations.  Check ZZ2 for clarification.

D19           FOR HOME (FARM) OWNERS:

              1. The house value at D19 should include the part R owns.  For
                 farmers this includes the house, farm buildings, and
                 contiguous farm land.

              2. If R says they have been offered $80,000 but wouldn't take
                 less than $100,000, code the midpoint.

              3. If R has been offered more than the actual value of the
                 property ("I've been offered $50,000, but it's actually worth
                 only $30,000"), code the amount offered.

D19           4. If part of the house is owned by persons with independent
                 finances or with people who do not live in the HU, include
                 only the part of the property actually owned by the PEU.  The
                 total value of the property owned by all people in the HU
                 should be given at Y39.2 when there are HU members with
                 independent finances.  If a part of the house is owned by
                 someone outside the HU, mark the case for review by an editing
                 supervisor.


D20           DATE OF PURCHASE:

              1. In cases where multiple dates are given at D21 (purchase date,
                 the house occupancy date, and/or the date of the mortgage),
                 edit in the date as per the following priorities:
                 Record the uncoded dates on the Problem Sheet.  

              2. If the house was purchased/inherited/built in increments, edit
                 it to the priorities above for the earliest increment of the
                 house itself (not incl. land purchases).

              3. If farmers bought their farm in increments, use the date the
                 earliest part was purchased.

              4. If the house was inherited (the GIFT/INHERITANCE box at D20 is
                 checked), this date should be the date inherited.


D21           If R bought a house furnished, do not attempt to separate out the
              value of the furnishings.  

D22           Add land and house taxes together if they are given separately.
              If the period of taxes is not given, write in "YEAR."

D23           If R reports both "YES, MORTGAGE" and "YES, LAND CONTRACT" at D23,
              check the grid to make sure that at least two columns of the grid
              have been filled out.  If they have, edit D23 to "YES, MORTGAGE"
              and follow that sequence.
              If at least two columns of the mortgage grid have not been filled
              out, see the Editing Supervisor.


D27-D40.1     THE MORTGAGE GRID

              1. Be on the lookout for any unusual or confusing mortgage
                 arrangements which may be problems.  Take them to the Editing
                 Supervisor and, if necessary, write them up on the Problem
                 Sheet.

              2. Mortgages reported in this grid should always be left in
                 unless it is clear:

                 a.  that it is not the home the PEU is currently living in
                     (move these debts to E15-E34, "Other Property");

                 b.  the home the PEU is currently living in is not collateral
                     for the mortgage (these may be moved to D41-D51, D54-D65.2
                     or elsewhere) depending on the purpose and type of the
                     loan;

                 c.  the PEU is not liable for the mortgage.

                 d.  NOTE:  Another exception would be a HOME EQUITY LINE OF
                     CREDIT (see Quick Reference Guide for definition) that was
                     NOT a first mortgage.  These should be edited out of COL
                     B or C for D27-D40 or D41-D51 and moved to D53-D53.9.

                 In all these cases see the Editing Supervisor and the case
                 should be written up on the Problem Sheet.

              3. If it is discovered that the PEU does not own any of the home
                 and are living rent-free, D16 will have to be edited to
                 NEITHER OWNS NOR RENTS, and Section D re-edited.  If R only
                 owns part of the property, only include the part of the
                 mortgage that R is responsible for.  The total amount
                 outstanding on the mortgage that is the responsibility of the
                 R and any people with independent finances should be reported
                 in Section Y, Q.39.3.  See the Editing Supervisor and write
                 this up on a Problem Sheet.

              4. If it is found that the mortgage is partly or wholly assumed
                 or paid for by a business in Section F owned by the PEU, you
                 should see the Editing Supervisor.

              5. If marginal notes indicate that the payments change during the
                 life of the mortgage for reasons other than variable interest
                 or balloon payments (which are handled by the grid), see the
                 Editing Supervisor and put it on the Problem Sheet.  Examples
                 of these would be "negative amortization" or "graduated
                 payments".

              6. Co-ops may have mortgages on the entire building, as well as
                 on the PEU's unit.  If you encounter any such as these, edit
                 them to include only PEU's unit.

D27, D28,     In the case of assumed mortgages, the data in D27, D28, and D30
D30           should be as of the date that the mortgage was assumed by the PEU,
              not the date it was originally taken out by the seller.

D27.1         Beware of confusions between "seller-provided" mortgages (where
              the seller provides the financing for the mortgage and the PEU
              pays the seller) and "assumed" mortgages where the PEU takes over
              the payments from the seller.  For "seller-provided" mortgages,
              D27.1 should be edited to "NO".

D29           If D29 is NA, do NOT compute it from D30 and D31; leave it blank.


D30           1. If D30 is answered in a fractional # of years, edit it as per
                 the GENERAL INSTRUCTION 22a.

              2. If "NO SET #" is checked, check D52-D53.10 for possible
                 double-counting.  If double-counting is found, see the Editing
                 Supervisor.


D36           Edit the Type of Institution at D36 as per GENERAL INSTRUCTION 21.


D37           Precode the purpose of the 2nd mortgage at D37 using the LOAN
              PURPOSE CODE.


D40, D40.1    Check that the D40 and D40.1 boxes are checked correctly after all
              editing of this section is finished.


D41-D51       OTHER HOME LOANS

              1. Watch for cases here which have:

                 a.  HOME EQUITY LINE OF CREDIT loans, which should be in D52-
                     D53.10.

                 b.  2nd and 3rd Mortgages (for which the home is clearly noted
                     as being collateral) which should be in COLUMNS B & C of
                     the D27-D40 mortgage grid;

                 c.  Home improvement loans (purpose clearly stated), for which
                     the home is not collateral, should be in D54-D65.2.

                 If you think you have found any of these, see the Editing
                 Supervisor.  They should be edited to their proper place.  If
                 you find such a loan here double-counted with one in D52-
                 D53.10, the Section I loan grid, or D54-D65.2, edit it out
                 here and leave it in its proper place.  These should be
                 written on the Problem Sheet.

              2. If more than one "other" loan is itemized here, leave the
                 largest (in terms of the amount borrowed) here and move any
                 other to the grid at I3-I15 (where they should be coded "01"
                 for loan purpose).


D45           If D45 is answered in a fractional # of years, edit it as per the
              GENERAL INSTRUCTION 22.


D51           Edit the type of institution at D51 as per GENERAL INSTRUCTION 21.


D53           Edit the # LINES OF CREDIT entered in the box at D53 to be
              consistent with the number recorded in Columns #1-#3 of the grid
              and D53.10 as per GENERAL INSTRUCTION 24.

D53.1-D53.10  THE HOME EQUITY LINES OF CREDIT (HELC) GRID

              1. If a HELC here is double counted in the Mortgage grid at D27-
                 D39, leave it in there if it is the first mortgage; leave it
                 in here if it is not a first mortgage; put it on a Problem
                 Sheet in either case.

              2. Check for Credit Cards which may be included or double-counted
                 here.  They should be edited out of this sequence to Section
                 B.  If they are double counted, remove them from Section B and
                 put the information on a Problem Sheet.  If they can't be
                 separated out of Section B, see the Editing Supervisor.

              3. Edit out any business lines of credit found here.




D53.4         Pre-code the purpose of the loan using the LOAN PURPOSE CODE 

              If the purpose of the loan is coded "10" (to purchase a car),
              check the "owned vehicle" grid (G8-G23) to see if this loan is
              double-counted there.

                 a.  If it clearly is, edit the debt out of the vehicle grid.


                 b.  If it may be, but it is not clear, see the Editing
                     Supervisor.
                     NOTE:  A car used for business purposes (but not owned by
                     the business) may be left here.

D53.8         Edit the type of institution at D53.8 as per GENERAL INSTRUCTION
              21.

D53.10           If the PEU has more than three HELC, any money owed on these
                 surplus lines will be entered at D53.10.

D54-D65.2     ADDITIONS AND IMPROVEMENTS

              1. Check marginal notes to make sure R has not failed to include
                 an addition such as "landscaping", "built a garage", or some
                 other exterior addition which he/she thought should not be
                 included but which is an addition.  If you find such cases,
                 bring them to the Editing Supervisor.

              2. Additions on farms and businesses should be edited out.  But
                 additions on the farmhouse, or that part of a business which
                 contains the PEU's home, should be left in.

              3. If a home was built in increments and an addition seems to be
                 one or more of the increments, take it to the Editing
                 Supervisor.  Building of the home and its cost and loans
                 should not be here.

              LOANS FOR ADDITIONS

              1. If a loan here is clearly collateralized by the house, it
                 should be moved to column 2 or 3 in the mortgage grid.

              2. If you find a loan here that is clearly a Home Equity Line of
                 Credit, it should be moved to D53-D53.10.

              3. Loans here that are double-counted in the mortgage or HELC
                 sections should be edited out here and left in those sections.

D58           If D58 is answered in a fractional # of years, edit it as per the
              GENERAL INSTRUCTION 22.

D64           Edit the type of institution at D64 as per GENERAL INSTRUCTION 21.

D65-D65.2     If another home addition and improvement loan is at D65-D65.2 and
              marginal notes provide more information on it than can be
              contained in D65.1 and D65.2, move it to the loan grid at I1-I15,
              if there is an available column there.


              LINES OF CREDIT FOR NON-OWNERS ONLY:

D69.7         Edit the type of institution at D69.7 as per GENERAL INSTRUCTION
              21--"CHECK ALL THAT APPLY".

D68.1        Check that the # LINES OF CREDIT (LOC) recorded in the
 & D69       blank  at D68d is the same number as is entered in the
             box at D69 on the next page.  If it is not, see the
             Editing Supervisor. 

D69           Edit the # LINES OF CREDIT (LOC) entered in the box at D69 to be
              consistent with the number recorded in Columns #1-#3 of
              the grid. 

                 SECTION E: OTHER PROPERTIES, LAND CONTRACTS 


E2.1          Edit the # NOTES/LAND CONTRACTS/MORTGAGES entered in the box at
              E2.1 to be consistent with the number recorded in Columns #1-#3
              of the grid and E13-E13.2 as per GENERAL INSTRUCTION 24.


E3-E13.2      NOTES/LAND CONTRACTS/MORTGAGES OWNED

              1. Check for double-counting of properties between E3-E11 (sold)
                 and E16-E34.1 (currently owned).  If a property is clearly
                 listed in both places, leave it here and edit it out of E16-
                 E34.1.  If you suspect double-counting but it's not clear,
                 take it to the Editing Supervisor.

              2. Edit out all notes, land contracts or mortgages held or owned
                 by any business that the PEU owns or has an interest in.  


E9            If E9 is answered in a fractional # of years, edit it as per
              GENERAL INSTRUCTION 22.


E11.1         If E11 is YES:  Check the amount the PEU still owes at E11.1 and
              the amount it is still owed at E4 or E7.  If the amount at E11.1
              is considerably larger than the amount at E4 or E7, and there are
              marginal notes, write them on the Problem Sheet.

E15           Edit the # PROPERTIES entered in the box at E15 to be consistent
              with the number recorded in Columns #1-#3 of the grid and E36-
              E37.6, as per GENERAL INSTRUCTION 24.


E15-E37.6     THE OTHER PROPERTY OWNED GRID

              1. Do NOT edit out "any property owned by a business that [PEU]
                 has an interest in" as instructed by the question at E14,
                 unless it is perfectly clear that the property is included or
                 is the same as the business listed in Section F.  If you
                 suspect that it is, but it is not perfectly clear, see the
                 Editing Supervisor.  These will be flagged with a special code
                 (see PROPERTY LINK CODE below).

              2. Do edit out properties owned by limited partnerships where R
                 is a limited partner if you find them in this section (UNLESS
                 R or the PEU member owning them are GENERAL PARTNERS).  Edit
                 them out of here (E16-E34.1) AND edit them into the F20-F24.6
                 section on passive businesses.  See the Editing Supervisor for
                 such cases and write them up on the Problem Sheet.

              3. Burial Plots, if listed here, should be moved to N52.1-N52.3. 
                 If there is any debt on them, move that to the Section I loan
                 grid.

              4. Mobile Homes should be included here, unless they are the
                 current residence of the PEU.  (See definition at G8, note 3.)

              5. Be particularly alert in this section for unusual or confusing
                 situations.  Take anything that seems suspicious to the
                 Editing Supervisor.

E16           Precode each property, using the PROPERTY LINK CODE, above the
              PROPERTY # heading for each column.  If you are unsure which code
              to use for a property, see the Editing Supervisor.

E17           1. If "Limited Partnerships" are noted here, see E15-E37.6, item
                 2 above.

              2. Box 1 "OWNED BY R" is meant to include ownership by R's
                 Spouse, either with R or alone.

E17.1-E33     Value and Debt on Property

              1. If marginal notes indicate that only the PEU's share is
                 recorded in E18-E29, compute and edit E18, E20, E23, E24 and
                 E26 to the totals for the property using the PEU's share at
                 E17.1.


              2. If the PEU owns TIMESHARE property, then leave E18-E29 as only
                 the PEU's share and edit E17 to "OWNED BY R unless the share
                 is owned together with other people outside the PEU.".  If the
                 entire value and debt on TIMESHARE property is given, compute
                 and edit it to the PEU's share only.

              3. Except for item 2 above, if E17.1 is NA or DK and it appears
                 that E18, E20, E23 and E24 are only the PEU's share, then NA
                 E18, E20, E23 and E24 and put this on the Problem Sheet.


E25           If E25 is answered in a fractional # of years, edit it as per
              GENERAL INSTRUCTION 22a.


E33           Edit the Type of Institution at E33 as per GENERAL INSTRUCTION 21.


E34.1         Gross Income from Property
E36.7
E37.6         1. If there is any clear indication at E34.1, E36.7 or E37.6 that
                 the income amount given is "net" (see definition in Quick
                 Reference Guide) instead of "gross", NA the amount and write
                 the details on the Problem Sheet.

              2. If Income was received from the property other than RENTAL
                 income (such as parking fees, etc.) include them in the total. 
                 Total income from the property is wanted here, despite the
                 wording ("renting out") of the questions at E36.6 and E37.5.



                             SECTION F:  BUSINESSES

F1, F2      Check D1; if "R LIVES ON A RANCH AND FARM" is checked AND D3 is
            checked "YES", then box "R OR R"S FAMILY OPERATE FARM/RANCH BUSINESS
            ON THEIR PROPERTY" should be checked at F1 and there should be at
            least one business at F2 connected to the farm or ranch.  If not,
            bring the Interview to the Editing Supervisor.


F2, F4.1,         Edit the number entered in "# BUSINESSES" at F4.1 to be
F5                consistent with the number entered in the control
                  box at F5.  If R reports a business that is 
                  double-counted at N35 as publicly-traded stock,
                  remove the business from Section F.


F5          Edit the # OF BUSINESSES entered in the box at F5 to be consistent
            with the number recorded in Columns #1-#3 and F19.1-F19.3 of the
            grid.


F6          If more than one box is checked or marginal notes are inconsistent
            with the box checked at F6, edit the boxes to one choice to indicate
            how the PEU originally acquired the business.  

            If necessary, edit the date at F8 to agree with the editing of F6.


F9.4        If R reports that a business is a "limited partnership" at F9.4, it
            should be moved to F20-F24.6 (PASSIVE BUSINESSES), but only if it is
            clearly stated that they (the PEU) are "limited partners" and not
            general partners.

            If the limited partnership is moved to F20-F24.6, all the details of
            the business should be written on the Problem Sheet and, if it is
            the only business, F4 should be edited to "NO".


F10, F10.1     CHECK FOR CURRENT COLLATERALIZED LOAN

            1. If F10 has been marked YES, but the answer to F10.1 indicates
               that R does not currently have a personal loan (i.e., F10.1 is
               "nothing"), edit F10 to NO.


F14, F15       Edit to include only PEU's share.

F16, F17       If the net income reported in F17 exceeds the gross receipts
               reported in F16, leave the inconsistency unless there are
               explanatory notes which support reversing the figures at F16 &
               F17.  If any explanatory information is available, write it on
               the Problem Sheet.


F20.1,      Check the number of other (non-actively managed) businesses
F21.1-21.6  reported at F20.1.  It should be equal to or greater than the
            number of types of businesses ("YES" boxes) checked for F21.1 -
            F21.6.  See the Editing Supervisor if it is not.



                               SECTION G: VEHICLES

G2          Edit the # LEASED VEHICLES entered in the box at G2 to be consistent
            with the number recorded in Columns #1, #2 and G6.1 as per GENERAL
            INSTRUCTION 24.


G3-G6.1 THE LEASED VEHICLE GRID

            1. Move any vehicles which are leased by a business but used by the
               PEU for personal purposes to G24.  These would include those
               leased by a business that the PEU has an interest in.  If the
               vehicle is leased by a business but not used by PEU for personal
               purposes, then edit them out.

            2. Edit out all leased motorhomes, travel trailers, motorcycles,
               snowmobiles, all-terrain vehicles as well as tractors and mowers
               from G3-G6.1


G7.1        Edit the # OWNED VEHICLES entered in the box at G7.1 to be
            consistent with the number recorded in Columns #1-#3 and G23.1-
            G23.4, as per GENERAL INSTRUCTION 24.


G8-G23.4    THE OWNED VEHICLE GRID

            1. Move any vehicles owned by a business (including any the PEU has
               an interest in) but used by the PEU for personal
               purposes to G24.  If there are already vehicles at G24,
               and you are not sure whether the ones you are moving
               are already included there, leave them out and record
               all details on the Problem Sheet.  Those owned by a
               business but not used for personal purposes should be 
               edited out.

            2. Edit out any vehicles:

               a. not in running order

               b. not licensed now nor planned for licensing in 1993

               c. not yet purchased, or ordered but not yet received

               d. not owned by the PEU.

            3. Check for double-counting of debt in Section I.  If you find any,
               edit it out of Section I and leave it here.  If it is a part of
               a larger debt in Section I, leave it in Section I and remove the
               debt from Section G.

G8          Type of Vehicle

            1. Move all motorhomes, travel trailers, motorcycles, snowmobiles,
               and all-terrain vehicles to G25.1-G39.4 and write the description
               of the vehicle on a Problem Sheet.

            2. Edit tractors/mowers out.  If they are for personal use and have
               debt, move debt to Section I.

            3. Edit mobile homes to Section D and the mortgage grid if it is the
               current residence of the PEU or to the Section E Other Property
               Grid if it is not.
        

                                  DEFINITION    

G16         If G16 is answered in a fractional # of years, edit it as per
            GENERAL INSTRUCTION 22.


G22         Edit the type of institution at G22 as per GENERAL INSTRUCTION 21.


G23.1-G23.4 If there is more information about cars and the debt volunteered at
            G23.1-G23.4 than can be captured in the Q's, write it on the Problem
            Sheet.


G24         Do not include vehicles leased by a business which the PEU uses
            regularly for personal purposes; write these on the Problem Sheet if
            found.


G25.1       Edit the # (Other) VEHICLES box at G25.1 to be consistent with the
            number recorded in Columns #1, #2 and G39.1-G39.4 in the OTHER
            VEHICLE GRID as per GENERAL INSTRUCTION 24.

G26-G39.4   THE OTHER VEHICLE GRID

            Edit as per the Car Grid, G8-G23.4, items 2a-d & 3 and G8, items 2
            & 3.

G32         If G32 is answered in a fractional # of years, edit it as per
            GENERAL INSTRUCTION 22.


G38         Edit the type of institution at G38 as per GENERAL INSTRUCTION 21.


G39.1-G39.4 If there is more information on the vehicles in G39.1-G39.4
            volunteered than can be captured in the Q's, write it on the Problem
            Sheet.


                           SECTION H: EDUCATION LOANS

H2      Edit the # OF LOANS entered in the box at H2 to be consistent with the
        number recorded in Columns #1-#6 (including LOANS #4-#6 on the EXTRA
        LOANS PAGES), as well as the number of loans from the grid that were
        moved to N53.1, as per GENERAL INSTRUCTION 24.

H3      If the loan was taken out in several parts over time, we want the date
        that the earliest part was taken out.

H4      If the loan was taken out in several parts over time, we want the total
        of all the borrowing.

H8      R may have started paying on a loan more than once and then had payments
        deferred because she returned to school.  In such cases, take the most
        recent date that payments began.  In cases where the R has stopped
        paying at some point for reasons other than an official deferral, we
        want the date that payments were last official scheduled to begin.

H10      If H10 is answered in a fractional # of years, edit it as per GENERAL
         INSTRUCTION 22.

H11      For regular installment loans where payments are not currently being
         made, edit H11 to '9995.  No payment being made.'  If they are behind
         or not paying the full payment amount, edit H11 to the amount they
         should pay and put the other information on a Problem Sheet.

H11.1   For loans and debts on which payments are not being made, edit the
        "typical payment" to 
        $"0" PER _____.

H15      Edit the type of institution at H15 as per GENERAL INSTRUCTION 21.
                                SECTION I:  LOANS

I1.1-1.4    1. In general, the number of loans recorded in I1.1-1.4 should sum
               to the number recorded in the box at I3, except when 2 or more
               smaller loans have been combined into one column to fit into the
               grid and are counted as only one loan there.  In that case, I1.1-
               1.4 will sum to the actual number of loans and the box at I3 will
               reflect the number after being combined.  If you edit loans into
               or out of the grid you must change the numbers recorded in I1.1-
               1.4, as well as the I3 control box.

        2.  If it should be necessary to distinguish between the categories of
            I1.1-1.4 assume 1.1 and 1.2 have high priority and 1.4 has low
            priority.


I3      Edit the # OF LOANS entered in the box at I3 to be consistent with the
        number recorded in Columns #1-#6 (including LOANS #4-#6 on the EXTRA
        LOAN PAGES), as well as the number of loans from the grid that were
        moved to N53.1, as per GENERAL INSTRUCTION 24.  


I4-I15  THE (OTHER) LOAN GRID

            1.    EXCLUDE:

                  a. Business or farm debt that the PEU is not personally
                     liable for.  If it is unclear whether the business/farm or
                     the PEU is liable, check F10-F10b.  If it is still
                     unclear, leave it in and write it on the Problem Sheet.

                  b. Past due bills, UNLESS:

                     1)       a specific repayment arrangement has been made;
                              or

                     2)       the bill is more than 3 months past due; or

                     3)       it amounts to $200 or more.

                  c. Debts which R clearly has no intention of repaying.

                  d. Credit card debt (this should be edited to Section B).

                  e. Intra-PEU debt (i.e., owed by one PEU member to another
                     PEU member).

                  f. Education loans (these should be edited to Section H)

            2.    INCLUDE:

                  a. Back taxes.

                  b. Money borrowed from a pension plan.

                  c. Medical debt (of $200 or more).

                  d. Loans for home improvements which R listed here (unless it
                     is double-counted at D55-D65.2, then it should be left
                     there only).

                  e. Defaulted co-signed notes: loans which a PEU member had
                     co-signed for someone else and for which the PEU member
                     now assumes the obligation.  These must also be written on
                     the Problem Sheet.

                  f. Intra-HU debt: debt that a PEU member owes to an
                     Independent Adult living in the HU.

                  g. All other debts or loans owed by a member of the PEU
                     listed by R in this section and not edited out or moved by
                     any of the other instructions here, or found anywhere else
                     in the interview and not excluded by any instructions
                     here.


I4          Code the purpose of the loan at I4 using the LOAN PURPOSE CODE. 
            Code the first two mentions if more than one is given.  If the
            purpose of a loan is investment in a business reported in Section F
            and the loans shows up at F10-F10.1, edit F10.2 to "YES" and note
            the appropriate loan in Section I at F10.3. 


I5          1.    For REGULAR INSTALLMENT loans (I7=1), if marginal notes
                  indicate that the date that the loan was taken out is
                  different than when the payments started, edit I5 to the date
                  the payments started.  If it is known that the date is
                  different, but it is not known the date they started, write it
                  on the Problem Sheet.

            2.    If payments haven't started yet, but date is known when they
                  will start, edit I5 to that date.

I7          1.    I7 should be edited to "REGULAR PAYMENTS" in all cases in
                  which current regular monthly payments have been agreed upon,
                  including overdue bills which the PEU has made "arrangements"
                  for.

            2.    I7 should be edited to "OTHER KIND" for:

                  a. loans not yet due or not yet being paid on;

                  b. past due bills on which no "arrangements" have been made;

                  c. loans for which the regular payments agreed on are not
                     monthly (i.e., "twice a month," "quarterly").  
                     NOTE:  In these cases, payments, and the frequency of
                     them, should be edited to I10.  You will have to NA I11 &
                     I12 UNLESS R volunteered them.

I8          If I8 is answered in a fractional # of years, edit it as per GENERAL
            INSTRUCTION 22.

I9          For regular installment loans where payments are not currently being
            made, edit I9 to '9995.  No payment being made.'  If they are behind
            or not paying the full payment amount, edit I9 to the amount they
            should pay and put other information on a Problem Sheet.

I10         For loans and debts on which payments are not yet being made, edit
            the "typical payment" to $"0" PER ___.

I13         If the current interest rate for medical bills owed to doctors,
            dentists and medical facilities is NA or DK, leave it NA/DK.


I14         1.    Edit the type of institution at I14 as per GENERAL INSTRUCTION
                  21.

            2.    For medical debts owed to doctors, hospitals or dentists,
                  precode "22".


I18         Edit the number of miles written in the blank to check boxes "LESS
            THAN A MILE" or "OVER 50 MILES" whenever appropriate.





                            LOAN PURPOSE MASTER CODE

        Precode purpose of loan at D37, D53.4, D70 and I4 using this code.
        Precode up to 2 mentions in each location.

            HOME PURCHASE, ADDITION OR REPAIR OF CURRENT RESIDENCE
            01.    Own home purchase
            03.  Home improvement or addition (incl. assessments for sewer/
                 sidewalk, etc.)
            04.  Home repairs/maintenance/upkeep

            CAR/HOUSEHOLD DURABLE GOODS
            10.  Car
            11.  Refrigerator
            12.  Stove/Range; microwave oven
            13.  Dishwasher
            14.  Freezer
            15.  Air conditioner
            16.  Washing machine (incl. washer/dryer combination)
            17.  Dryer
            18.  Furniture (excluding pianos and organs--see 34); lamps;
                 mattress and spring combinations; rug and/or carpet; other
                 household furnishings
            20.  Vacuum cleaners
            23.  Home computer; calculator; computer terminal
            24.  Truck/jeep/utility vehicle
            25.  Combination of appliances (incl. TV); "appliances"--NA type
            26.  Combination of furniture + appliances 

            29.  Other appliances or durable goods; sewing machine; typewriter

            SMALL/INDOOR HOBBY OR ENTERTAINMENT GOODS
            31.  Stereo; phonograph (may include radio); include sound
                 equipment, amplifiers here; radio (AM or FM); tuner; CB
                 equipment; tape recorder, tape player (cassette or reel-to-
                 reel); CD player
            34.  Piano; organ
            35.  Musical instruments (excluding pianos and organs)
            36.  TV--color or black and white; "home entertainment center"
                 (incl. combination TV, radio, phonograph); video cassette
                 recorder/player (VCR); video camera (Cam-corder)

            49.  Other small/indoor hobby or entertainment items (incl. pool
                 tables and regular cameras)
            50.  Power tools and yard equipment

            OUTDOOR HOBBY AND RECREATION GOODS
            61.  Boat; boating equipment (including trailer)
            63.  Motorcycles; bicycle; moped; snowmobiles; off-road vehicles
            65.  Camper-trailers; "RV"--NFS
            67.  Cottage; vacation property; mobile homes--seasonal residence
                 (if current residence, code 01); "motorhome"; "second home"
            69.  Other outdoor recreation items; horse

            SAVINGS AND INVESTMENTS

            71.  Invest in Bus #1 (from Section F)
            72.     "    " Bus #2   "      "    "
            73.     "    " Bus #3   "      "    "
            74.  Invest in own business, other than 71-73 or NA
                 which or all 
            78.  Investment real estate (incl. cemetery plots and
                 additions and repairs to investment property);
                 farmland (exc. 71-74); include businesses of
                 self-employed R's who don't report 
                 a business in the F section
            79.  Other investments                             
   


            SPECIAL EXPENSES
            81.  Travel/vacation expenses
            82.  Medical/dental expenses; attorney's fees
            83.  Education/school expenses
            84.  Tax and insurance expenses (exc. vehicle, code 93)
            85.  Weddings/funerals
            88.  Moving expenses
           
                                                            
                    
            89.  Other special expenses; encyclopedia; health membership 
            
             
            MISCELLANEOUS PERSONAL NEEDS
            90.  "Personal loan"--NA what for
            91.  Bill consolidation; "bills"
            92.  Personal items, incl. clothing, jewelry
            93.  Vehicle repair/upkeep (incl. insurance)
            94.  Gifts; goods or gifts of money; "Christmas"
            95.  Living/general expenses


                         
            97.  Other (incl. combinations)                 
            98.  DK                                         
            99.  NA


                               SECTION N: FINANCIAL ASSETS

N1-N43.1                                                    GENERAL SECTION N
                                                            INSTRUCTIONS

            1.    Watch for accounts and assets that belong wholly or partly to
                  a business or to persons not in the PEU.

                  a.    If they belong wholly to the business or person outside
                        the HU, edit them out unless the business is a "sole
                        proprietorship", in which case see the Editing
                        Supervisor.  

                  b.    If they belong to an INDEPENDENT ADULT, check to make
                        sure they are included at Y37-Y38.3, and edit them out
                        here.

                  c.    If they are owned jointly with the PEU, and it is not
                        clear how to split them, leave them in, but NA the
                        amount.  Write these on the Problem Sheet.

            2.    Watch for margin notes or specific $ amounts reoccurring in
                  different places which would indicate the double-counting of
                  assets within Section N.

                  Amounts double-counted in two different places in Section N
                  should be left in the most specific type of account, unless
                  otherwise instructed (e.g., if listed in a savings account and
                  as an IRA--edit it out of the savings account and leave it in
                  the IRA).  

            3.    Assets from pension and profit sharing plans may be held in a
                  variety of ways and could be double counted in both Section N
                  and Section R.  Check assets and accounts in this section
                  against pension accounts for current jobs at R21, R32, R69 and
                  R80 and against pension accounts from past jobs at R99.3 and
                  R99.4.  If double counting is found, edit it out of Section N
                  and leave it in Section R, except for IRA's which may be left
                  in the R99.2 - R99.7 future pension grid and the N11-N14 IRA
                  grid if R99.7 is marked "YES, IRA/KEOGH".

                  If assets are found in this Section N which are clearly
                  labelled as being part of R's or S's current or future pension
                  or profit-sharing plans and which are not double-counted in
                  Section R see the Editing Supervisor.  For SEP-IRAs, see Note
                  2 at N12.

            4.    Check for instances where a R has not known total figures
                  because they did not know a component -- possibly because an
                  account belongs to another FU member (for example, R may not
                  know the amount of a daughter's U.S. Government bonds, but
                  does know the amount of his/her own bonds).  In these cases,
                  NA the amount and write the known, given amount on the Problem
                  Sheet, as well as noting there that there is also an unknown
                  amount.

            5.    Edit out any accounts that were not set-up at the time of the
                  first contact for the Interview. 

            6.    Be sure that accounts which are jointly held by two people in
                  the PEU are only counted once.

            7.    If margin notes anywhere in Section N, except at N41-N46,
                  indicate that the assets listed are part of a CMA or FMA, take
                  it to the Editing Supervisor.


N3          Edit the # of Checking ACCOUNTS entered in the box at N3 to be
            consistent with the number recorded in Columns #1-#6 of the Checking
            Account Grid and N8 as per GENERAL INSTRUCTION 24.


            THE CHECKING ACCOUNT GRID

N4          Edit the type of institution at N4 as per GENERAL INSTRUCTION 21.


N6          Check all accounts checked "YES" at N6 against the money market grid
            at N17-N20 for double-counting.  If any of them are clearly double-
            counted, edit them out of the checking account grid and leave them
            in the money market grid.  NOTE:  If that would edit all of the PEU
            checking accounts out, leave the first one listed in, and edit its
            counterpart out of the money market grid.  

            NEVER edit the main checking account (account #1) out of
            the checking account grid.  See the Editing Supervisor  
            in such cases.


N8          If more detail is given concerning the remaining checking accounts
            than is asked for at N8, enter it on the Problem Sheet.

N10-N14     THE IRA, KEOGH ACCOUNT GRID

            1.    Watch particularly for double-counting here with pension plans
                  as per instruction 3 at the beginning of this section.

            2.    However, if a SEP-IRA (Simplified Employee Pension) is listed
                  here and is not double-counted in Section R, leave it in this
                  grid and precode a "2" under the "IRA" box at N12.


N11, N13    Edit the type of institution at N13 as per GENERAL INSTRUCTION 21
            --"CHECK ALL THAT APPLY".


N14.1       Be sure the correct skips are marked at the bottom of each column. 
            (This grid is not filled in sequentially, but in order of who has an
            IRA/KEOGH account.)


            THE MONEY MARKET GRID

N16.1       Edit the # OF MONEY MARKET ACCOUNTS entered in the box at N16.1 to
            agree with the number recorded in Columns #1-#3 and N21.1 as per
            GENERAL INSTRUCTION 24.


N19         Edit the type of institution at N19 as per GENERAL INSTRUCTION 21.


N21.1       If more detail is given concerning the remaining money market
            accounts than is asked for at N21.1, enter it on the Problem Sheet.


N22-N22.5   CERTIFICATES OF DEPOSIT

            1.    Be particularly alert to double-counting with IRA's at N11-
                  N14; edit them out of here if such double-counting is found.

            2.    Watch for double-counting also with Section R.  See GENERAL
                  SECTION N INSTRUCTIONS item 3 if you find any.


N22.1,            Edit the type of institution at N22.3 as per GENERAL
INSTRUCTION 21--"CHECK ALL
N22.3       THAT APPLY".


N23.1       Edit the # of Savings ACCOUNTS entered in the box at N23.1 to agree
            with the number of savings accounts recorded in Columns #1-#5 and
            N26.1 as per GENERAL INSTRUCTIONS 24.


N24-N26     THE SAVINGS ACCOUNT GRID

            1.    This grid is intended to pick up any other savings-type
                  accounts that have not been included in earlier grids.  

                  Watch for double-counting with checking account, IRA, CD and
                  Money Market grids; edit them out of here if found.  Move any
                  such assets to their proper grids if they are found clearly
                  marked here and not there.

            2.    Include here passbook, statement savings and credit union
                  share accounts, Christmas Clubs and all other savings
                  accounts, as well as accounts at foreign banks, unions, AARP
                  or other organizations, building and loan associations, and
                  colleges.  


N24         Edit the type of institution at N24 as per GENERAL INSTRUCTION 21.


N26.1       If more detail is given concerning the remaining savings accounts
            than is asked for at N26.1, enter it on the Problem Sheet.


N28.1-N28.5 MUTUAL FUND GRID


            1.    Watch for double-counting of mutual funds with
                  pension funds in Sections R as per instruction 3 for
                  this section. 

            2.    Check for double-counting of:

                  a.    STOCK FUNDS at N28.1 and stock at N37 & N39, and

                  b.    BOND FUNDS at N28.2-N28.4 and bonds at N31.1, N32.1 or 
                        N33.1-N33.4.

                  If any are found, leave them here at N28.1-N28.4 and edit them
                  out of the later section(s).

N32         BONDS AND BILLS

            Check that the number entered in the # BONDS OR BILLS blank is not
            less than the number of boxes checked "YES" at N33.1-N33.4.


N33.1-            Watch for double-counting of bonds with pension funds in
  N33.4           Section R as per instruction 3 for this section.


N37, N39    PUBLICLY TRADED STOCK

            1.    Watch for double-counting with pension or profit sharing funds
                  in Section R as per instruction 3 for this section.

            2.    Check for consistency between N37 & N39.1 if N39 is "YES".

                  a.    N39.1 must be equal to or less than N37.

                  b.    If N36 is "1", then N37 and N39.1 must be the same.

                  If either of the above is not true, see the Editing
                  Supervisor.

            3.    If there is any indication that the amount of N39.1 includes
                  stock in a business in Section F, see the Editing Supervisor.

            4.    Stock which is clearly not publicly traded and can be
                  separated from publicly traded stock should be moved to N52--
                  "other assets."  You should check Section F for double-
                  counting.


N40.1-N40.6 BROKERAGE ACCOUNTS

            If any significant extra detail (not codeable in N40.1-N40.6)
            regarding a brokerage account (such as the amount due on a margin
            account) is volunteered by R, add it to the Problem Sheet.


N41-N46     TRUSTS, ANNUITIES, AND MANAGED INVESTMENT ACCOUNTS

            1.    Check the margin notes in this sequence for any indication
                  that the assets recorded are double-counted in any of the
                  accounts reported earlier in this section.  If you find any,
                  see the Editing Supervisor.

            2.    If R mentions a "limited time annuity" and any details are
                  given in margin notes, add them to the Problem Sheet.


N47-N50     LIFE INSURANCE

            Exclude life insurance policies whose beneficiary is a business in
            Section F.


N48, N48.1  If "burial insurance" is mentioned at N48-N48.1, leave it.

N49.5       If the loan is reported earlier in the interview, edit the loan out
            of the earlier location and change N49.5 to 3.  If there is any
            ambiguity about the loan, see the Editing Supervisor.  

N51, N51.1  MONEY OWED TO THE PEU

            1.    Exclude:

                  a.    money owed to a PEU business;

                  b.    money owed to one PEU member by another PEU member

                  c.    money that R doesn't expect to be repaid, including
                        "probably won't."

            2.    If at N51 a note says the PEU is owed money by a business in
                  Section F, check F11-F11.1 to determine if it is included
                  there:

                  a.    if it is, edit it out of here (N51-N51.1).

                  b.    if it is not, move it to F11-F11.1.

                  c.    if you are unsure about the double-counting, take it to
                        the Editing Supervisor.

            3.    Money owed to the PEU by a business that has been sold should
                  be left here.




N52-N52.3   OTHER ASSETS

            1.    Move items that should be included in other sections to their
                  appropriate place.  If you have doubts concerning whether or
                  not to move something, see the Editing Supervisor.

                  a.    Move any vehicles found here (including antique and
                        valuable vehicles) to Section G.  Assume that there is
                        no debt on them unless there is contrary evidence.  

            2.    Some items which should be included here:

                  a.    antique and valuable items and collections

                  b.    silver, gold, jewelry

                  c.    cash

            3.    Do not edit items out just because the value seems small.

            4.    Move any future inheritances or estates mentioned here to X9
                  and delete them from here.


N53-N53.1   OTHER DEBTS

            1.    Edit out any debts which have been listed in other sections.

            2.    Move all bills of $200 or more whose purpose is clear to the
                  Section I loan grid if they meet the qualifications there.

            3.    Debts for business purposes should be moved to the Section I
                  loan grid if is clear that the PEU is personally liable.  (A
                  bankruptcy debt for an unincorporated business or debt on a
                  business no longer in operation would be examples.)



                       SECTION R: EMPLOYMENT OF RESPONDENT


R1          1.    Check that a two-digit occupation status code has been
                  precoded in green next to the status boxes.  If not, see an
                  occupation coder or the Editing Supervisor.

            2.    If R mentions here that his/her work is 'volunteer' work, see
                  the Editing Supervisor.



R1.4        RETIREMENT DATE

            1.    If both "RETIRED" and "DISABLED" are checked at R1 AND two
                  dates are given at R1.4, edit R1.4 to the date which is
                  consistent with the green two-digit occupation status code.  

            2.    If R has retired twice (2 dates are given), keep only the most
                  recent date.  Put the other date on a Problem Sheet.  This
                  will occur often with career military persons who go on to
                  second careers.


R2          CHECK SELF-EMPLOYMENT

            1.    If the "RUN MY OWN BUSINESS" box at R2 is checked, edit R2 to
                  "SELF-EMPLOYED."  

            2.    Make sure no self-employed persons followed the "SOMEONE ELSE"
                  sequence.  If they did, move the information in R3-R12 to the
                  appropriate matching questions at R14-R13.  R8 should be moved
                  to R14.8 and R15 to R14.13.  

            3.    If you are unsure whether you should consider someone "SELF-
                  EMPLOYED," see the Editing Supervisor.

            NOTE:  A person does not need to have a business listed in Section
            F to be self-employed.  Not all self-employed people own businesses.


R3, R4            MAIN OCCUPATION:  R WORKS FOR SOMEONE ELSE

            1.    Check that there is a three-digit green precode to the left of
                  R3 and R5.  If either is missing, see an occupation coder or
                  the Editing Supervisor.

            2.    If R's response to R3 and R4 seems to include two different
                  jobs, one of them should have been moved to R's second job at
                  R40-R44.  Check in these cases to see that a second job is at
                  R40-R44; if it is not, see an occupation coder or the Editing
                  Supervisor.


R7          EDIT WEEKS WORKED

            1. Edit any non-week response to # of WEEKS normally worked,
               assuming 4.3 weeks to a month.

            2. For teachers and other school personnel:

               a.       Do not edit teachers or "school personnel" to 52 weeks
                        worked, if the answer is less.

               b.       Check that the salary reported at R8 is consistent with
                        the # WEEKS R reported at R7.  If not, edit the salary
                        to an annual basis.

            3. Note that Q reads "...in a normal year."  If R answers that
               he/she hasn't worked for a full year yet and it is reasonably
               clear that the job is not seasonal, edit R7 to 52 weeks.


R8          1. If the salary/wages are given "after taxes", NA R8 and record the
               details on the Problem Sheet.

            2. If R says he/she isn't paid:

               a.       If R does volunteer work (such as with United Way,
                        church work, etc.), take it to the Editing Supervisor
                        and put it on a Problem Sheet if R works more than 35
                        hrs/week.

               b.       For those whose income is "paid in kind", include the
                        value of the "in kind payment" in or as their wage
                        (e.g., someone who manages an apartment building and
                        receives their own rent free as their wage earns the
                        value of their rent).

               c.       Whenever the marginal notes or amounts for the above are
                        unclear, write the information on the Problem Sheet.

R14, R14.1  MAIN OCCUPATION:  SELF-EMPLOYED

            1. Check that the three digit occupation and industry codes are
               precoded to the left of R14 and R14.1.  See an occupation coder
               or the Editing Supervisor if they are missing.

            2. If R's response to R14 and R14.1 seems to be two different jobs,
               edit as per instruction 2 for R3, R4.


R14.6       Edit R14.6 as per instructions for R7.

R14.7-         Edit R14.7-R14.10 using all information available.  If it is not
               clear which box should be
R14.10         checked, see the Editing Supervisor.

R14.8 or    For those who work in a family business or farm without wages, edit
            R14.10 to '0' per 'WK'.
R14.10         
      
R17.1       IF RECEIVING BENEFITS

            1. If R17.1 is "YES", check R97.3 to verify that "CURR JOB PENS" is
               checked, for at least one column, for this R.  (NOTE: RECIPIENT
               is found checked at the top of the column).

            2. If R17.1 is "NO", check that the # PLANS entered in R17 agrees
               exactly with the # OF PLANS entered in the box at R18.  If they
               do not, see the Editing Supervisor.

R17.2       If R17.2 is "YES", check that the # PLANS--NOT YET RECEIVING
            BENEFITS at R17.3 agrees exactly with the # OF PLANS entered in the
            box at R18.  If they do not, see the Editing Supervisor.

R18         Edit the # OF Pension or Retirement PLANS entered in the box at R18
            to be consistent with the number of plans recorded in Columns #1-#3
            and R39-R39.1 as per GENERAL INSTRUCTION 24.

R21         Double-check that amounts at R21 are not double-counted in Section
            N.  If they are, edit them out of Section N.

R23         If "Employer Contributions" are mentioned, write this on the Problem
            Sheet.

R26         If more than one box is checked, priority code the lowest number and
            the benefit amount at R26.1, consistently if possible.

R30.1, R31.1   Check these questions for complex responses (e.g., "match 2% and
               then 1/2 of next 4%).  If you find one, take it to the Editing
               Supervisor and put it on the Problem Sheet.

R32         Double-check N14,  N20, N25 and N28.1-N28.5 to make sure the amounts
            mentioned here at R32 are not double-counted there.  If they are,
            edit them out of the location in Section N and leave them here in
            Section R.

R36         Check for write-in responses at R36.

            1. If "I wouldn't get anything until I retire," check the "OTHER"
               box and NA the "PERCENT" at R36.1.

            2. If "It would roll over into another account," check the "NONE"
               box, unless marginal notes indicate this is not true.
 
R39.1       If anything is entered in R39.1, enter it on the Problem Sheet.

R41-R43     If it is necessary to edit in R's second job at R40-R40.2 and it is
            clear that R has already included all of his HOURS, WEEKS and INCOME
            for this job in R6-R8 with his main job and it is unclear how to
            separate them you should leave them in R6-R8 and code R41-R43 "0",
            unless the job being edited in is Military Reserve or National
            Guard.  In that case, see R41, R42 below.

R41, R42    If R's second job is the Military Reserve or the National Guard and
            R41 (# HOURS) and R42 (# WEEKS) are NA or DK, assume 20 hours per
            week for 13 weeks.

R43         EDIT SECOND JOB EARNINGS

            1. Edit any dollars per hour responses at R43 to dollars per week
               using the hours given at R41.

            2. Edit other responses to R43 as per R8.

            3. In addition, edit the following cases to $"0" per week if their
               earnings are NA:

               a.       Wives who work on the family farm or in the family
                        business but who haven't reported it as their main job
                        and report no second job.  (For wives who do report it
                        as a job, but without pay--see note 4b at R8.)

               b.       Those cases specified for R41-R43 above.


            WORK HISTORY--FULL TIME NOW

R45.4 &     Check that three-digit OCC and IND codes have been precoded to the
            left of R45.4 and R45.5.
R45.5

R45.6 &     1. Edit "YEARS AGO" to "19___" by subtracting the number of "years
               ago" given from
R45.7          the year of the Interview.


            2. If there was a break in service between the 'START' date at R45.6
               and the 'STOP' date at R45.7, write the break details on the
               Problem Sheet.

R45.11,        1.       If R answers with a range, edit it to the midpoint and
                        record the range on a Problem
R45.13            Sheet.                                                      

            2. The intention of the question is to find when R plans to stop
               working full-time for good.  If R answers that he/she plans to
               stop, but then start again at a later date, NA the response or
               edit it to the data consistent with the intent of the question,
               if that is known.


            WORK HISTORY--PART TIME NOW

R46.4       Edit "# YEARS AGO" to "19___" as per instructions for R45.6 and
            45.7.

R46.8 &     Check that three-digit OCC and IND codes have been precoded to the
left of R46.8 AND
R46.9.         R46.9.

R46.10 &    Edit "# YEARS AGO" to "19___" as per instructions for R45.6 and
R45.7.
R46.11

            WORK HISTORY--NOT WORKING NOW

R47.7 &     Check that three-digit OCC and IND codes have been precoded to the
left of R47.7 and 47.8.
R47.8

R47.15 -    1. Edit "AT AGE" to "IN ___ YEARS" as per instructions for R45.13
R47.14            and R45.16.
    
R47.15 -    2. If R answers with a range, edit it to the midpoint and record the
               range on a Problem
R47.19            Sheet.

R49         CHECK FOR CONSISTENCY BETWEEN R49 AND HHL BOX

            1. If R49 is checked "R. IS MARRIED/LIVING WITH PARTNER" then:

               a.       R should have "M" or "P" circled in column D of the 

               b.       The SPOUSE SECTION should be completed.

               c.       If the SPOUSE SECTION is blank, see the Editing
                        Supervisor.

            2. If R49 is checked "ALL OTHERS" then R will not have "M" or "P"
               circled box nor should a SPOUSE SECTION be included with the
               Interview.

               a.       If a SPOUSE SECTION is complete in this case, see the
                        Editing Supervisor and then print "DO NOT CODE" in large
                        letters across the cover of the booklet.


R49-R95.2   Edit the SPOUSE SECTION as per R1-R47.19 above.  All Q #s in the
SPOUSE SECTION          correspond to the Qs in the R Section.


R96.4-R96.6 SOCIAL SECURITY PAYMENTS

            1. Edit out all non-Social Security payments; if in doubt, see the
               Editing Supervisor.

            2. Edit out SSI payments (Supplemental Security Income) and if it
               was received in 1992, check T1.11 & T2.11 to make sure it is
               included there.

            3. Edit out all Social Security benefits for anyone except the
               Respondent and the Spouse/Partner (however, make sure they are
               included at T2.12 before you do).

            4. "SURVIVORS BENEFITS":

               a.       if they are for a widowed person 62 or over, leave them
                        here and edit R96.4. "RETIRE";

               b.       Otherwise, leave as it is.

            5. If Social Security benefits for minor HH children are being
               received (e.g., disability), include the amount with the payment
               of the adult who is receiving them.


R96.4       If both "RETIRE" and "DISAB" are checked, and there are no notes to
            explain why:

            1. If the person is 62 years old or older, edit to "RETIRE".

            2. If under 62, edit to "DISAB".


R96.5       Edit "SINCE" to "# YEARS" for both columns as per instructions at
            R10.


R96.6       1. Check that R96.6 (S.S. benefits being received) is not double-
               counted at R97.5 (other benefits being received) or at R97.7
               (benefits expected to be received in the future).  If any are,
               edit them out of the inappropriate place.  

               NOTE:  Benefits for which no payment has yet been received are
               expected benefits.

            2. If a single amount is given for both R & S, and is based all or
               mostly on the earnings of one individual, split the amount and
               allocate 2/3 to the primary wage earner and 1/3 to the other
               person.


R97.1       1. Edit the # PENSIONS/DISABILITY PAYMENTS entered in the box at
               R97.1 to agree with the number recorded in columns 1-6 (FIRST
               BENEFIT-SIXTH BENEFIT) as per GENERAL INSTRUCTION 24.


R97.3       If "CURR JOB PENS" is checked in any column, after ascertaining the
            RECIPIENT from the top of the column:

            1. Check the Recipient's job status at R1-R6 or R49-R55 to verify
               they have a current job.

            2. Check R17.1 or R63 to verify that they reported that they are
               receiving benefits from it.

            3. If information is inconsistent, see the Editing Supervisor.

            4. Delete SSI if reported here.  If it was received in 1992, check
               T1.11 and T2.11 to make sure it is included there.


R98.1       Edit the # CASH SETTLEMENTS entered in the box at R98.1 to be
            consistent with the number recorded in Rows #1-#5.


R98.2-R98.4 CASH SETTLEMENT GRID

            Cash settlements may match assets reported elsewhere, especially in
            Section N.  Leave any double reporting, since the question is
            concerned only with the source of the asset.



                               SECTION T:  INCOME

T1-T7.8        GENERAL SECTION INSTRUCTIONS

            1. Section T should contain the 1991 income of all of the current
               PEU, i.e., the PEU members who are included in the HHL box.  This
               may be a problem for recently married, divorced, or separated Rs. 
               Edit out any income clearly not belonging to the current PEU and
               bring to the Editing Supervisor any unclear cases or cases where
               1991 income of a current PEU member has been left out.

               NOTE:  If a deceased spouse was in the Household during 1991,
               include his/her income.

            2. If income of a financially independent household member is
               reported in Section T, it should be moved to Section Y, if it is
               not already included there.

            3. Do not force consistency between this section (T) and any of the
               other sections of the Interview unless specifically directed to
               by these instructions or unless important 1991 income information
               will not be reported anywhere else in the Interview.  Thus, for
               example, if R reports an income amount at E34.1 (where income
               from property is asked for), but does not report any income at
               T1.7, you should not change T1.7.  However, if R mentions an
               income component in a margin note somewhere in the Interview
               which will not be coded anywhere else, edit it in to T2.1-T2.12
               if it is not there.  In all cases, check with the Editing
               Supervisor before editing any income into the T section.


T1.1-T1.12 &      Check consistency between T1 and T2 for income
T2.1-T2.12        components 1-12. 

            1. If T1 is checked "NO" or left blank and an amount is entered in
               T2, edit T1 to "YES", unless it is clear that the Interviewer
               checked the wrong box or entered the amount in the wrong place.

            2. If T1 is checked "YES" but T2 is left blank, NA T2, unless there
               is some indication what the amount should be (e.g., "I already
               told you that").

            3. Otherwise, the boxes at T1 should not be changed, unless
               specifically directed to by these instructions or the Editing
               Supervisor, even if T1 is checked "NO" but you know from evidence
               in other sections of the Interview that the PEU had income from
               this source (e.g., an amount is reported at E34.1 but T1.7 is
               checked "NO").

            4. Losses are only expected to appear at T2.2, T2.6, T2.7, and
               T2.11.  Mark all losses clearly with parentheses.  If losses are
               reported at any other location, see the Editing Supervisor.


T2.1-T2.12  1991 INCOME COMPONENTS

            Edit all non-yearly amounts in T2.1-T2.12 to annual amounts for
            1991.  Use all information given in margin notes and, in the absence
            of other evidence, assume 12 months, 52 weeks and 26 bi-weekly
            periods in a year and 4.3 weeks in a month.

T2.3        This should include income from tax-free bonds/mutual funds/money
            market funds.  If these are reported elsewhere in T2.1-T2.12, move
            them here to T2.3, but only if clearly specified as 'tax-free'.

T2.10       If R's housing is partially or fully subsidized by a governmental
            unit (learned from the TN or marginal notes), check T1.10 "YES" and
            write in 'SUBSIDIZED RENT'.  Enter the amount at T2.10 if it is
            known, NA if it is not.  If the rent subsidy is included in the
            amount given at T2.10, move it to T1.12 if the amount is known.  If
            it can't be separated, code T2.10 as given and record on the Problem
            Sheet that Subsidized Rent is included.

T2.12       1. Move items listed at T2.12 that belong in T2.1-T2.11 to their
               proper location.  Move the types below to the locations noted:

               TYPE OF INCOME                                                 
                  MOVE TO:

               Net gain from sale of business............................T2.6
               Child care income.........................................T2.1
               U.S. Army VAQ (HOUSING ALLOWANCE) pay.....................T2.1
               Jury duty pay.............................................T2.1
               Corporate Board of Directors fees.........................T2.1 
               Deferred compensation (from a job)........................T2.1

            2. Edit out:            Tax refunds
                                    Student Loans
                                    Employer contributions to Pension Plans

            3. Leave in T1.12:      Money from relatives       
                                    IRA withdrawals

T3          Do not edit T3 for consistency with its components.  In general, T3
            should not be edited at all (i.e., it should be kept as independent
            as possible from T2.1-T2.12) EXCEPT:

            1. If T3 is missing (i.e., left blank), edit NA into the blank.

            2. If R volunteers information in marginal notes at T3 which is a
               codeable response or which must be added or subtracted from the
               response given, you should edit it in.  E.g., "$25,000" (at T3)
               "and the commission I mentioned before" (volunteered). 
               Otherwise, you should leave any codeable response at T3 unedited.

               a.         If R volunteers "just add it up", then just add it up
                          (i.e., sum T2.1-T2.12).

            3. As indicated at T4-T4.6 below.


T4-T4.6     If, in the process of responding to T4-T4.6, R volunteers a codeable
            response for T3 (e.g., at T4.6 R states "more like $150,000" or T4.2
            R volunteers "$24,000"), you should move the response to T3 and edit
            out the DK/REF box checked there.  


T6          1. DO NOT edit out gifts or presents to others (including to
               relatives and friends).  Thus, you would not edit out "Christmas
               present to mother" and "We gave brother $2000 for his birthday".

            2. Edit charitable contributions to other than relatives and friends
               to X10.1.  Thus, "sent $40 per month to an orphan child in
               Mexico" should be moved to X10.1.

            3. Also, edit out loans which it is clear are expected to
               be repaid.  
               

T7          For R's recently divorced or separated, and not living with their
            spouse, check T7.1-7.4 to make sure they are edited as follows:

            1. T7.1 must be checked "ALL OTHERS".

            2. T7.4 should be only the AGI of the current PEU.  If it includes
               the income of the separated/divorced spouse, or may include it,
               leave T7.4 as is but write it on the Problem Sheet.

            3. If there is any indication that R and the divorced/separated
               spouse filed their 1991 taxes jointly (i.e., box is checked or
               marginal note says so), put this information on a Problem Sheet.



                  SECTION X: CHARITY AND INTER-FAMILY TRANSFERS

X1-X8       Assets mentioned in Section X may match amounts listed in Section N
            or other places in the I'w.  Leave the double counting, since this
            section is concerned with the source of the asset.  We want all of
            the assets reported as inherited in Sections D, E, and F to appear
            here as well. 


X2          Edit the # OF INHERITANCES, TRUSTS, OTHER TRANSFERS entered in the
            box at X2 to be consistent with the number recorded in Columns #1-#3
            and X8 as per GENERAL INSTRUCTION 24.


X5          If more than one date is given at X5, indicating more than one
            inheritance from the same source, leave the earliest and move the
            other(s) to the next columns, if they are available.  If there are
            no empty column(s) to edit them to, move them to the mop-up Q at X8.
      

X10         If R volunteered time (not money or property) and gave charitable
            contributions in that way, edit it out.



                      SECTION Y: RESPONDENT DEMOGRAPHICS

            GENERAL INSTRUCTIONS ON DEMOGRAPHICS

Y7-Y23.2       Edit these questions to agree with other information in the
               Interview and in the HHL box.  See the Editing Supervisor if you
               are unsure.  


Y5          If R mentions "children" in the Interview but none are in the HHL
            box and "NONE" is checked at Y5, see the Editing Supervisor.


Y7          Check the CHECKPOINT at Y7 for accuracy and make sure the
            appropriate sequence has been followed.

Y8.5        For separated Rs:  This question should be consistent with the
            information reported in other sections.  If R reports, for example,
            assets are mostly 'OWNED BY R', edit all sections to reflect only
            the R's assets, debts, and income.  If they are 'OWNED JOINTLY',
            make the sections consistent with this response.  If you have reason
            to believe the data do not reflect what the R reported in Y8.5, take
            the interview to the Editing Supervisor.

Y16         Check the CHECKPOINT at Y16 to agree with the HHL box and to make
            sure the appropriate sequence was followed.

Y25         Check the CHECKPOINT at Y25 to agree with the HHL box and to make
            sure the appropriate sequence has been followed.

Y33         Check the CHECKPOINT at Y33 to agree with the HHL box and to make
            sure the appropriate sequence has been followed.


Y34.2       1. If Y34.2 is checked "YES", edit the amount reported at Y34.1 out
               of T2.1-T2.12 and T3.  Then edit this question (Y34.2) from "YES"
               to "3" to indicate that the information was double-counted but
               is now corrected.  

            2. If it is unclear where or whether the amount at Y34.3 is double-
               counted, see the Editing Supervisor and put the information on
               the Problem Sheet.  If the amount is not moved out of the income
               section, leave Y34.2 marked "YES".  Pg. 56, Y35.3: Copy question
               at Y34.2 with necessary changes 

Y36.2       If Y36.2 is checked "YES", check the vehicle grids at G8-G23.4 and
            G2.2-G39.1 and see if you can determine with assurance which of the
            vehicles there is the one whose value is specified at Y36.1.  If you
            can, edit that vehicle out of the G section and edit this Q as per
            Y34.2, item 1.

            If it is not clear which vehicle is specified, then do nothing and
            leave Y34.2 checked "YES".






Y37.2       If Y37.2 is checked "YES" edit the amount reported at Y37.1 out of:


                  ACCOUNT                                                     
                  LOCATION       PAGE #

                  N5 & N8        74, 75
                  N14            77
                  N20 & N22.1    78, 79
                  N22.2          79
                  N25 & N26.1    80, 81
                  N31.1          83

            and edit Y37.2 as per instruction for Y34.2, item 1.

            If it is clear that the amount at Y37.1 is only part of the amount
            in the account (i.e., it is a joint account with a PEU member), edit
            out only the amount specified.  If, however, the amount is the whole
            account, then edit the account out, remembering to adjust the # of
            accounts at that location.


Y38.2       If Y38.3 is checked "YES", edit the amount reported at Y38.2 (except
            for the amount which is reported at Y39.2, if yes at Y38.1 is
            checked) out of the following locations depending on which boxes are
            checked at Y38.1:

            Edit Y38.3 as per instructions for Y34.2 (unless 01 is circled at
            Y38.1 in which case you should leave Y38.1 "YES").


Y39         Check the CHECKPOINT at Y39 to agree with Y38.1 and to make sure the
            appropriate sequence has been followed.

Y39.1       If the house is owned only by people actually living there, this
            should be the percent no owned by the PEU.  If the house is owned in
            part by people who do not live there, this figure should be the
            percent of the part of the house owned by the PEU and the people
            with independent finances. 

Y39.2-Y39.3 Be sure that the dollar figures reported here are the total for all
            people living in the HU, not just the share belonging to the people
            with independent finances.  If the PEU owns any part of the house or
            is responsible for any of the mortgage, the share of the PEU should
            show up in Section D  


Y42-Y43           CHECK FOR ACCURACY OF THESE CHECKPOINTS

            If R is covered by a pension on a current job, 1 at Y42 should be
            circled;  if S is covered by a pension on a current job, 2 at Y43
            should be circled.  If either of these are not consistent, bring to
            the Editing Supervisor.



                            SECTION ZZ: OBSERVATION



ZZ2         CHECK TYPE OF STRUCTURE

            There should be just one box checked at ZZ2.  If more than one is
            checked, edit out all but one.  You can probably determine which is
            right by checking Section D.  If not, see Editing Supervisor. 





***********************************************************************
***********************************************************************
***********************************************************************
***********************************************************************

MISC. RECODED VARIABLES

***********************************************************************
***********************************************************************
X. VEHICLES


 8346 place holder for imputed value of x2103
 8347 place holder for imputed value of x2110

 8348 place holder for imputed value of x2204
 8349 place holder for imputed value of x2304
 8350 place holder for imputed value of x2404


XIII. FINANCIAL ASSETS

 4016  n50.face val oth life in
 8174  intrm var - original value of 4006

 4019  n52.if other assets     
 8173 number of other assets (N52)

---------------------------------------------------------------------------
---------------------------------------------------------------------------
List of variables included on the public-use tape 

---------------------------------------------------------------------------
---------------------------------------------------------------------------
J14 J19 J100 J101 J102 J103 J104 J105 J106 J107 J108 J109 J110 J111 J112 J113   
J114 J115 J116 J117 J118 J119 J120 J121 J122 J123 J124 J125 J126 J127 J128 J129 
J130 J131 J132 J133 J134 J135 J136 J137 J202 J203 J204 J205 J206 J207 J208 J209 
J210 J211 J212 J213 J214 J215 J216 J217 J218 J219 J220 J221 J222 J223 J224 J225 
J226 J227 J228 J229 J230 J231 J301 J302 J303 J304 J305 J306 J308 J309 J310 J312 
J313 J314 J316 J317 J318 J320 J321 J322 J324 J325 J326 J328 J329 J330 J401 J402 
J403 J404 J405 J406 J407 J408 J409 J410 J411 J412 J413 J414 J415 J416 J417 J418 
J419 J420 J421 J422 J423 J424 J425 J426 J427 J428 J429 J430 J431 J432 J501 J502 
J503 J504 J505 J506 J507 J508 J509 J510 J511 J513 J514 J516 J517 J518 J519 J520 
J521 J522 J523 J526 J601 J602 J603 J604 J606 J607 J608 J609 J611 J612 J613 J614 
J616 J617 J618 J619 J620 J622 J623 J624 J626 J627 J628 J630 J631 J632 J634 J635 
J636 J701 J702 J703 J704 J705 J707 J708 J709 J710 J711 J713 J714 J715 J716 J717 
J718 J720 J721 J722 J723 J724 J725 J726 J727 J802 J803 J804 J805 J806 J807 J808 
J809 J810 J811 J812 J813 J814 J815 J816 J817 J819 J820 J821 J822 J823 J824 J825 
J826 J827 J828 J829 J830 J902 J903 J904 J905 J906 J907 J908 J909 J911 J912 J913 
J914 J915 J916 J917 J918 J920 J931 J1002 J1004 J1005 J1006 J1007 J1008 J1009 
J1011 J1012 J1013 J1014 J1015 J1016 J1017 J1018 J1020 J1032 J1034 J1035 J1036 
J1037 J1038 J1039 J1040 J1041 J1043 J1044 J1045 J1046 J1101 J1102 J1103 J1104 
J1105 J1106 J1108 J1109 J1110 J1111 J1112 J1114 J1115 J1116 J1117 J1119 J1120 
J1121 J1122 J1123 J1125 J1126 J1127 J1128 J1130 J1131 J1132 J1133 J1134 J1136 
J1201 J1202 J1203 J1205 J1206 J1207 J1208 J1209 J1210 J1211 J1212 J1214 J1215 
J1216 J1217 J1218 J1219 J1220 J1221 J1223 J1224 J1225 J1401 J1402 J1403 J1404 
J1405 J1407 J1408 J1409 J1410 J1411 J1412 J1413 J1414 J1415 J1416 J1417 J1504 
J1505 J1507 J1508 J1509 J1510 J1511 J1512 J1513 J1514 J1515 J1516 J1517 J1604 
J1605 J1607 J1608 J1609 J1610 J1611 J1612 J1613 J1614 J1615 J1616 J1617 J1619 
J1620 J1621 J1700 J1701 J1703 J1704 J1705 J1706 J1708 J1709 J1710 J1711 J1713 
J1714 J1715 J1716 J1717 J1718 J1719 J1720 J1721 J1722 J1723 J1724 J1725 J1726 
J1727 J1728 J1729 J1730 J1803 J1804 J1805 J1806 J1808 J1809 J1810 J1811 J1813 
J1814 J1815 J1816 J1817 J1818 J1819 J1820 J1821 J1822 J1823 J1824 J1825 J1826 
J1827 J1828 J1829 J1830 J1903 J1904 J1905 J1906 J1908 J1909 J1910 J1911 J1913 
J1914 J1915 J1916 J1917 J1918 J1919 J1920 J1921 J1922 J1923 J1924 J1925 J1926 
J1927 J1928 J1929 J1930 J2001 J2002 J2003 J2004 J2005 J2006 J2007 J2008 J2009 
J2010 J2011 J2012 J2013 J2014 J2015 J2016 J2017 J2018 J2019 J2020 J2101 J2102 
J2104 J2105 J2106 J2107 J2108 J2111 J2112 J2113 J2114 J2115 J2117 J2118 J2201 
J2202 J2203 J2205 J2206 J2208 J2209 J2210 J2211 J2212 J2213 J2214 J2215 J2217 
J2218 J2219 J2220 J2303 J2305 J2306 J2308 J2309 J2310 J2311 J2312 J2313 J2314 
J2315 J2317 J2318 J2319 J2320 J2403 J2405 J2406 J2408 J2409 J2410 J2411 J2412 
J2413 J2414 J2415 J2417 J2418 J2419 J2420 J2422 J2423 J2424 J2425 J2426 J2501 
J2502 J2503 J2504 J2505 J2506 J2507 J2509 J2510 J2511 J2512 J2513 J2514 J2515 
J2516 J2518 J2519 J2520 J2521 J2605 J2606 J2607 J2609 J2610 J2611 J2612 J2613 
J2614 J2615 J2616 J2618 J2619 J2620 J2621 J2623 J2624 J2625 J2626 J2627 J2709 
J2710 J2713 J2714 J2715 J2716 J2717 J2718 J2719 J2720 J2722 J2723 J2724 J2725 
J2727 J2730 J2731 J2732 J2733 J2734 J2735 J2736 J2737 J2739 J2740 J2741 J2742 
J2810 J2813 J2814 J2815 J2816 J2817 J2818 J2819 J2820 J2822 J2823 J2824 J2825 
J2827 J2830 J2831 J2832 J2833 J2834 J2835 J2836 J2837 J2839 J2840 J2841 J2842 
J2910 J2913 J2914 J2915 J2916 J2917 J2918 J2919 J2920 J2922 J2923 J2924 J2925 
J2927 J2930 J2931 J2932 J2933 J2934 J2935 J2936 J2937 J2939 J2940 J2941 J2942 
J3001 J3002 J3003 J3004 J3005 J3006 J3007 J3008 J3009 J3010 J3011 J3012 J3013 
J3014 J3015 J3016 J3017 J3018 J3019 J3020 J3023 J3024 J3101 J3103 J3104 J3105 
J3107 J3108 J3110 J3111 J3113 J3114 J3115 J3116 J3117 J3118 J3119 J3120 J3121 
J3122 J3123 J3124 J3125 J3126 J3127 J3128 J3129 J3130 J3131 J3132 J3207 J3208 
J3210 J3211 J3213 J3214 J3215 J3216 J3217 J3218 J3219 J3220 J3221 J3222 J3223 
J3224 J3225 J3226 J3227 J3228 J3229 J3230 J3231 J3232 J3307 J3308 J3310 J3311 
J3313 J3314 J3315 J3316 J3317 J3318 J3319 J3320 J3321 J3322 J3323 J3324 J3325 
J3326 J3327 J3328 J3329 J3330 J3331 J3332 J3335 J3336 J3337 J3401 J3402 J3407 
J3408 J3409 J3410 J3411 J3412 J3413 J3414 J3415 J3416 J3417 J3418 J3419 J3420 
J3421 J3422 J3423 J3424 J3425 J3426 J3427 J3428 J3429 J3430 J3501 J3502 J3503 
J3504 J3505 J3506 J3507 J3509 J3510 J3511 J3513 J3514 J3515 J3517 J3518 J3519 
J3521 J3522 J3523 J3525 J3526 J3527 J3529 J3530 J3531 J3601 J3602 J3603 J3604 
J3605 J3606 J3607 J3608 J3609 J3610 J3612 J3613 J3614 J3615 J3616 J3617 J3618 
J3619 J3620 J3622 J3623 J3624 J3625 J3626 J3627 J3628 J3629 J3630 J3631 J3701 
J3702 J3703 J3704 J3705 J3706 J3708 J3709 J3710 J3711 J3713 J3714 J3715 J3716 
J3718 J3719 J3720 J3721 J3722 J3723 J3724 J3725 J3801 J3802 J3803 J3804 J3806 
J3807 J3809 J3810 J3812 J3813 J3815 J3816 J3818 J3819 J3820 J3821 J3822 J3823 
J3824 J3825 J3826 J3827 J3828 J3829 J3830 J3831 J3832 J3833 J3834 J3835 J3901 
J3902 J3903 J3904 J3905 J3906 J3907 J3908 J3909 J3910 J3913 J3914 J3915 J3916 
J3917 J3918 J3919 J3920 J3921 J3922 J3923 J3924 J3925 J3926 J3927 J3928 J3929 
J3930 J3931 J3932 J3933 J3934 J3935 J3936 J3937 J3938 J3939 J3940 J3942 J3943 
J3944 J3945 J3946 J3947 J4001 J4002 J4003 J4004 J4005 J4006 J4007 J4008 J4009 
J4010 J4011 J4012 J4013 J4014 J4015 J4017 J4018 J4019 J4020 J4022 J4024 J4026 
J4028 J4030 J4031 J4032 J4100 J4101 J4103 J4104 J4105 J4106 J4110 J4111 J4112 
J4113 J4114 J4115 J4116 J4117 J4125 J4127 J4131 J4132 J4135 J4136 J4137 J4138 
J4139 J4140 J4141 J4201 J4202 J4203 J4204 J4205 J4206 J4207 J4208 J4209 J4210 
J4211 J4212 J4213 J4214 J4216 J4217 J4218 J4219 J4220 J4221 J4222 J4223 J4224 
J4225 J4226 J4227 J4228 J4229 J4230 J4231 J4232 J4233 J4234 J4302 J4303 J4304 
J4305 J4306 J4307 J4308 J4309 J4310 J4311 J4312 J4313 J4314 J4316 J4317 J4318 
J4319 J4320 J4321 J4322 J4323 J4324 J4325 J4326 J4327 J4328 J4329 J4330 J4331 
J4332 J4333 J4334 J4402 J4403 J4404 J4405 J4406 J4407 J4408 J4409 J4410 J4411 
J4412 J4413 J4414 J4416 J4417 J4418 J4419 J4420 J4421 J4422 J4423 J4424 J4425 
J4426 J4427 J4428 J4429 J4430 J4431 J4432 J4433 J4434 J4436 J4437 J4501 J4502 
J4503 J4504 J4505 J4507 J4508 J4509 J4510 J4511 J4512 J4513 J4514 J4515 J4518 
J4519 J4520 J4521 J4522 J4523 J4524 J4525 J4526 J4527 J4528 J4529 J4531 J4532 
J4533 J4534 J4535 J4538 J4539 J4540 J4541 J4542 J4543 J4544 J4545 J4546 J4601 
J4602 J4604 J4605 J4606 J4607 J4608 J4611 J4612 J4613 J4614 J4615 J4616 J4617 
J4618 J4619 J4620 J4621 J4622 J4700 J4701 J4703 J4704 J4705 J4706 J4710 J4711 
J4712 J4713 J4714 J4715 J4716 J4717 J4725 J4727 J4731 J4732 J4735 J4736 J4737 
J4738 J4739 J4740 J4741 J4801 J4802 J4803 J4804 J4805 J4806 J4807 J4808 J4809 
J4810 J4811 J4812 J4813 J4814 J4816 J4817 J4818 J4819 J4820 J4821 J4822 J4823 
J4824 J4825 J4826 J4827 J4828 J4829 J4830 J4831 J4832 J4833 J4834 J4902 J4903 
J4904 J4905 J4906 J4907 J4908 J4909 J4910 J4911 J4912 J4913 J4914 J4916 J4917 
J4918 J4919 J4920 J4921 J4922 J4923 J4924 J4925 J4926 J4927 J4928 J4929 J4930 
J4931 J4932 J4933 J4934 J5002 J5003 J5004 J5005 J5006 J5007 J5008 J5009 J5010 
J5011 J5012 J5013 J5014 J5016 J5017 J5018 J5019 J5020 J5021 J5022 J5023 J5024 
J5025 J5026 J5027 J5028 J5029 J5030 J5031 J5032 J5033 J5034 J5036 J5037 J5101 
J5102 J5103 J5104 J5105 J5107 J5108 J5109 J5110 J5111 J5112 J5113 J5114 J5115 
J5118 J5119 J5120 J5121 J5122 J5123 J5124 J5125 J5126 J5127 J5128 J5129 J5131 
J5132 J5133 J5134 J5135 J5138 J5139 J5140 J5141 J5142 J5143 J5144 J5145 J5146 
J5201 J5202 J5204 J5205 J5206 J5207 J5208 J5211 J5212 J5213 J5214 J5215 J5216 
J5217 J5218 J5219 J5220 J5221 J5222 J5301 J5302 J5303 J5304 J5305 J5306 J5307 
J5308 J5309 J5310 J5311 J5312 J5313 J5314 J5315 J5316 J5317 J5318 J5319 J5320 
J5322 J5323 J5324 J5325 J5326 J5327 J5328 J5330 J5331 J5332 J5333 J5334 J5335 
J5336 J5338 J5415 J5416 J5417 J5418 J5419 J5420 J5422 J5423 J5424 J5425 J5426 
J5427 J5428 J5430 J5431 J5432 J5433 J5434 J5435 J5436 J5438 J5501 J5502 J5503 
J5504 J5505 J5506 J5507 J5508 J5509 J5510 J5511 J5512 J5513 J5514 J5515 J5516 
J5517 J5601 J5602 J5603 J5604 J5606 J5607 J5608 J5609 J5611 J5612 J5614 J5615 
J5616 J5617 J5619 J5620 J5622 J5623 J5624 J5625 J5627 J5628 J5630 J5631 J5632 
J5633 J5635 J5636 J5638 J5639 J5640 J5641 J5643 J5644 J5646 J5647 J5648 J5649 
J5701 J5702 J5703 J5704 J5705 J5706 J5707 J5708 J5709 J5710 J5711 J5712 J5713 
J5714 J5715 J5716 J5717 J5718 J5719 J5720 J5721 J5722 J5723 J5724 J5725 J5726 
J5727 J5729 J5731 J5732 J5733 J5734 J5735 J5736 J5737 J5738 J5739 J5740 J5741 
J5742 J5743 J5744 J5746 J5747 J5748 J5749 J5750 J5751 J5801 J5802 J5803 J5804 
J5805 J5806 J5808 J5809 J5810 J5811 J5813 J5814 J5815 J5816 J5818 J5819 J5820 
J5821 J5822 J5823 J5824 J5825 J5901 J5902 J5903 J5904 J5905 J5906 J5908 J5909 
J5910 J5911 J5912 J5913 J5914 J5915 J5925 J5926 J5927 J5928 J5929 J5930 J6026 
J6027 J6028 J6029 J6030 J6101 J6102 J6103 J6104 J6105 J6106 J6108 J6109 J6110 
J6120 J6121 J6122 J6123 J6124 J6301 J6302 J6303 J6304 J6305 J6306 J6308 J6309 
J6310 J6311 J6312 J6313 J6314 J6315 J6316 J6317 J6318 J6319 J6320 J6321 J6322 
J6323 J6324 J6325 J6326 J6327 J6328 J6329 J6330 J6331 J6332 J6333 J6334 J6335 
J6336 J6337 J6401 J6402 J6403 J6405 J6406 J6407 J6408 J6409 J6410 J6411 J6412 
J6413 J6414 J6415 J6417 J6418 J6420 J6421 J6423 J6424 J6425 J6426 J6427 J6428 
J6429 J6430 J6431 J6432 J6435 J6436 J6437 J6438 J6439 J6503 J6504 J6519 J6520 
J6521 J6522 J6523 J6525 J6526 J6527 J6528 J6529 J6530 J6531 J6532 J6533 J6534 
J6535 J6536 J6537 J6538 J6539 J6540 J7401 J7402 J7405 J7406 J7407 J7408 J7409 
J7410 J7411 J7412 J7415 J7416 J7417 J7418 J7419 J7420 J7500 J7501 J7502 J7503 
J7507 J7508 J7509 J7510 J7511 J7512 J7513 J7514 J7515 J7516 J7517 J7518 J7519 
J7520 J7521 J7522 J7523 J7524 J7525 J7526 J7527 J7528 J7529 J7530 J7531 J7532 
J7533 J7534 J7535 J7536 J7537 J7538 J7539 J7540 J7541 J7542 J7543 J7545 J7552 
J7553 J7554 J7555 J7564 J7565 J7566 J7567 J7568 J7569 J7570 J7571 J7572 J7575 
J7576 J7577 J7578 J7579 J7580 J7581 J7582 J7583 J7584 J7585 J7586 J7601 J7603 
J7605 J7607 J7609 J7611 J7613 J7615 J7617 J7618 J7620 J7622 J7624 J7626 J7628 
J7630 J7631 J7632 J7633 J7634 J7635 J7636 J7637 J7638 J7639 J7640 J7641 J7642 
J7643 J7647 J7650 J7651 J7652 J7662 J7663 J7664 J7665 J7666 J7667 J7679 J7680 
J7681 J7682 J7683 J7684 J7685 J7686 J7687 J7688 J7689 J7690 J7691 J7692 J7693 
J7697 J7698 J7699 J7700 J7701 J7702 J7703 J7704 J7706 J7707 J7708 J7709 J7710 
J7711 J7712 J7713 J7714 J7715 J7716 J7717 J7718 J7719 J7720 J7724 J7725 J7726 
J7727 J7728 J7729 J7730 J7731 J7732 J7733 J7734 J7735 J7736 J7738 J7740 J7742 
J7744 J7746 J7751 J7752 J7753 J7754 J7755 J7756 J7758 J7759 J7760 J7761 J7762 
J7763 J7764 J7765 J7767 J7769 J7770 J7771 J7772 J7801 J7802 J7804 J7805 J7806 
J7808 J7809 J7811 J7812 J7813 J7814 J7815 J7816 J7817 J7818 J7820 J7821 J7822 
J7823 J7824 J7827 J7828 J7829 J7831 J7832 J7834 J7835 J7836 J7837 J7838 J7839 
J7840 J7841 J7843 J7844 J7845 J7846 J7847 J7850 J7851 J7852 J7854 J7855 J7857 
J7858 J7859 J7860 J7861 J7862 J7863 J7864 J7866 J7867 J7868 J7869 J7870 J7904 
J7905 J7906 J7908 J7909 J7911 J7912 J7913 J7914 J7915 J7916 J7917 J7918 J7920 
J7921 J7922 J7923 J7924 J7927 J7928 J7929 J7931 J7932 J7934 J7935 J7936 J7937 
J7938 J7939 J7940 J7941 J7943 J7944 J7945 J7946 J7947 J7950 J7951 J7952 J7954 
J7955 J7957 J7958 J7959 J7960 J7961 J7962 J7963 J7964 J7966 J7967 J7968 J7969 
J7970 J8000 J8005 J8007 J8012 J8020 J8021 J8022 J8023 J8024 J8098 J8099 J8100 
J8101 J8102 J8103 J8104 J8107 J8108 J8109 J8111 J8112 J8113 J8114 J8115 J8116 
J8117 J8119 J8120 J8121 J8122 J8123 J8124 J8127 J8128 J8129 J8130 J8163 J8164 
J8166 J8167 J8168 J8169 J8170 J8171 J8172 J8183 J8184 J8185 J8186 J8300 J9082 
J9083 J9084 J9085 J9086 J9087 J9088 J9089 J9090 J9099 J9100 J9101 J9102 J9103 
J9104 J9105 J9106 J9107 J9108 J9109 J9110 J9111 J9112 J9113 J9114 J9115 J9116 
J9117 J9118 J9119 J9120 J9121 J9122 J9123 J9124 J9125 J9126 J9127 J9128 J9129 
J9130 J9131 J9132 J9133 J9134 J9135 J9136 J9137 J9138 J9139 J9140 J9141 J9142 
J9143 J9144 J9145 J9146 J9147 J9148 J9149 J9150 J9151 J9152 J9153 J9200 J9201 
J9202 J9203 J9204 J9205 J9206 J9207 J9208 J9209 J9210 J9211 J9212 J9213 J9214 
X14 X19 X100 X101 X102 X103 X104 X105 X106 X107 X108 X109 X110 X111 X112 X113   
X114 X115 X116 X117 X118 X119 X120 X121 X122 X123 X124 X125 X126 X127 X128 X129 
X130 X131 X132 X133 X134 X135 X136 X137 X202 X203 X204 X205 X206 X207 X208 X209 
X210 X211 X212 X213 X214 X215 X216 X217 X218 X219 X220 X221 X222 X223 X224 X225 
X226 X227 X228 X229 X230 X231 X301 X302 X303 X304 X305 X306 X308 X309 X310 X312 
X313 X314 X316 X317 X318 X320 X321 X322 X324 X325 X326 X328 X329 X330 X401 X402 
X403 X404 X405 X406 X407 X408 X409 X410 X411 X412 X413 X414 X415 X416 X417 X418 
X419 X420 X421 X422 X423 X424 X425 X426 X427 X428 X429 X430 X431 X432 X501 X502 
X503 X504 X505 X506 X507 X508 X509 X510 X511 X513 X514 X516 X517 X518 X519 X520 
X521 X522 X523 X526 X601 X602 X603 X604 X606 X607 X608 X609 X611 X612 X613 X614 
X616 X617 X618 X619 X620 X622 X623 X624 X626 X627 X628 X630 X631 X632 X634 X635 
X636 X701 X702 X703 X704 X705 X707 X708 X709 X710 X711 X713 X714 X715 X716 X717 
X718 X720 X721 X722 X723 X724 X725 X726 X727 X802 X803 X804 X805 X806 X807 X808 
X809 X810 X811 X812 X813 X814 X815 X816 X817 X819 X820 X821 X822 X823 X824 X825 
X826 X827 X828 X829 X830 X902 X903 X904 X905 X906 X907 X908 X909 X911 X912 X913 
X914 X915 X916 X917 X918 X920 X931 X1002 X1004 X1005 X1006 X1007 X1008 X1009 
X1011 X1012 X1013 X1014 X1015 X1016 X1017 X1018 X1020 X1032 X1034 X1035 X1036 
X1037 X1038 X1039 X1040 X1041 X1043 X1044 X1045 X1046 X1101 X1102 X1103 X1104 
X1105 X1106 X1108 X1109 X1110 X1111 X1112 X1114 X1115 X1116 X1117 X1119 X1120 
X1121 X1122 X1123 X1125 X1126 X1127 X1128 X1130 X1131 X1132 X1133 X1134 X1136 
X1201 X1202 X1203 X1205 X1206 X1207 X1208 X1209 X1210 X1211 X1212 X1214 X1215 
X1216 X1217 X1218 X1219 X1220 X1221 X1223 X1224 X1225 X1401 X1402 X1403 X1404 
X1405 X1407 X1408 X1409 X1410 X1411 X1412 X1413 X1414 X1415 X1416 X1417 X1504 
X1505 X1507 X1508 X1509 X1510 X1511 X1512 X1513 X1514 X1515 X1516 X1517 X1604 
X1605 X1607 X1608 X1609 X1610 X1611 X1612 X1613 X1614 X1615 X1616 X1617 X1619 
X1620 X1621 X1700 X1701 X1703 X1704 X1705 X1706 X1708 X1709 X1710 X1711 X1713 
X1714 X1715 X1716 X1717 X1718 X1719 X1720 X1721 X1722 X1723 X1724 X1725 X1726 
X1727 X1728 X1729 X1730 X1803 X1804 X1805 X1806 X1808 X1809 X1810 X1811 X1813 
X1814 X1815 X1816 X1817 X1818 X1819 X1820 X1821 X1822 X1823 X1824 X1825 X1826 
X1827 X1828 X1829 X1830 X1903 X1904 X1905 X1906 X1908 X1909 X1910 X1911 X1913 
X1914 X1915 X1916 X1917 X1918 X1919 X1920 X1921 X1922 X1923 X1924 X1925 X1926 
X1927 X1928 X1929 X1930 X2001 X2002 X2003 X2004 X2005 X2006 X2007 X2008 X2009 
X2010 X2011 X2012 X2013 X2014 X2015 X2016 X2017 X2018 X2019 X2020 X2101 X2102 
X2104 X2105 X2106 X2107 X2108 X2111 X2112 X2113 X2114 X2115 X2117 X2118 X2201 
X2202 X2203 X2205 X2206 X2208 X2209 X2210 X2211 X2212 X2213 X2214 X2215 X2217 
X2218 X2219 X2220 X2303 X2305 X2306 X2308 X2309 X2310 X2311 X2312 X2313 X2314 
X2315 X2317 X2318 X2319 X2320 X2403 X2405 X2406 X2408 X2409 X2410 X2411 X2412 
X2413 X2414 X2415 X2417 X2418 X2419 X2420 X2422 X2423 X2424 X2425 X2426 X2501 
X2502 X2503 X2504 X2505 X2506 X2507 X2509 X2510 X2511 X2512 X2513 X2514 X2515 
X2516 X2518 X2519 X2520 X2521 X2605 X2606 X2607 X2609 X2610 X2611 X2612 X2613 
X2614 X2615 X2616 X2618 X2619 X2620 X2621 X2623 X2624 X2625 X2626 X2627 X2709 
X2710 X2713 X2714 X2715 X2716 X2717 X2718 X2719 X2720 X2722 X2723 X2724 X2725 
X2727 X2730 X2731 X2732 X2733 X2734 X2735 X2736 X2737 X2739 X2740 X2741 X2742 
X2810 X2813 X2814 X2815 X2816 X2817 X2818 X2819 X2820 X2822 X2823 X2824 X2825 
X2827 X2830 X2831 X2832 X2833 X2834 X2835 X2836 X2837 X2839 X2840 X2841 X2842 
X2910 X2913 X2914 X2915 X2916 X2917 X2918 X2919 X2920 X2922 X2923 X2924 X2925 
X2927 X2930 X2931 X2932 X2933 X2934 X2935 X2936 X2937 X2939 X2940 X2941 X2942 
X3001 X3002 X3003 X3004 X3005 X3006 X3007 X3008 X3009 X3010 X3011 X3012 X3013 
X3014 X3015 X3016 X3017 X3018 X3019 X3020 X3023 X3024 X3101 X3103 X3104 X3105 
X3107 X3108 X3110 X3111 X3113 X3114 X3115 X3116 X3117 X3118 X3119 X3120 X3121 
X3122 X3123 X3124 X3125 X3126 X3127 X3128 X3129 X3130 X3131 X3132 X3207 X3208 
X3210 X3211 X3213 X3214 X3215 X3216 X3217 X3218 X3219 X3220 X3221 X3222 X3223 
X3224 X3225 X3226 X3227 X3228 X3229 X3230 X3231 X3232 X3307 X3308 X3310 X3311 
X3313 X3314 X3315 X3316 X3317 X3318 X3319 X3320 X3321 X3322 X3323 X3324 X3325 
X3326 X3327 X3328 X3329 X3330 X3331 X3332 X3335 X3336 X3337 X3401 X3402 X3407 
X3408 X3409 X3410 X3411 X3412 X3413 X3414 X3415 X3416 X3417 X3418 X3419 X3420 
X3421 X3422 X3423 X3424 X3425 X3426 X3427 X3428 X3429 X3430 X3501 X3502 X3503 
X3504 X3505 X3506 X3507 X3509 X3510 X3511 X3513 X3514 X3515 X3517 X3518 X3519 
X3521 X3522 X3523 X3525 X3526 X3527 X3529 X3530 X3531 X3601 X3602 X3603 X3604 
X3605 X3606 X3607 X3608 X3609 X3610 X3612 X3613 X3614 X3615 X3616 X3617 X3618 
X3619 X3620 X3622 X3623 X3624 X3625 X3626 X3627 X3628 X3629 X3630 X3631 X3701 
X3702 X3703 X3704 X3705 X3706 X3708 X3709 X3710 X3711 X3713 X3714 X3715 X3716 
X3718 X3719 X3720 X3721 X3722 X3723 X3724 X3725 X3801 X3802 X3803 X3804 X3806 
X3807 X3809 X3810 X3812 X3813 X3815 X3816 X3818 X3819 X3820 X3821 X3822 X3823 
X3824 X3825 X3826 X3827 X3828 X3829 X3830 X3831 X3832 X3833 X3834 X3835 X3901 
X3902 X3903 X3904 X3905 X3906 X3907 X3908 X3909 X3910 X3913 X3914 X3915 X3916 
X3917 X3918 X3919 X3920 X3921 X3922 X3923 X3924 X3925 X3926 X3927 X3928 X3929 
X3930 X3931 X3932 X3933 X3934 X3935 X3936 X3937 X3938 X3939 X3940 X3942 X3943 
X3944 X3945 X3946 X3947 X4001 X4002 X4003 X4004 X4005 X4006 X4007 X4008 X4009 
X4010 X4011 X4012 X4013 X4014 X4015 X4017 X4018 X4019 X4020 X4022 X4024 X4026 
X4028 X4030 X4031 X4032 X4100 X4101 X4103 X4104 X4105 X4106 X4110 X4111 X4112 
X4113 X4114 X4115 X4116 X4117 X4125 X4127 X4131 X4132 X4135 X4136 X4137 X4138 
X4139 X4140 X4141 X4201 X4202 X4203 X4204 X4205 X4206 X4207 X4208 X4209 X4210 
X4211 X4212 X4213 X4214 X4216 X4217 X4218 X4219 X4220 X4221 X4222 X4223 X4224 
X4225 X4226 X4227 X4228 X4229 X4230 X4231 X4232 X4233 X4234 X4302 X4303 X4304 
X4305 X4306 X4307 X4308 X4309 X4310 X4311 X4312 X4313 X4314 X4316 X4317 X4318 
X4319 X4320 X4321 X4322 X4323 X4324 X4325 X4326 X4327 X4328 X4329 X4330 X4331 
X4332 X4333 X4334 X4402 X4403 X4404 X4405 X4406 X4407 X4408 X4409 X4410 X4411 
X4412 X4413 X4414 X4416 X4417 X4418 X4419 X4420 X4421 X4422 X4423 X4424 X4425 
X4426 X4427 X4428 X4429 X4430 X4431 X4432 X4433 X4434 X4436 X4437 X4501 X4502 
X4503 X4504 X4505 X4507 X4508 X4509 X4510 X4511 X4512 X4513 X4514 X4515 X4518 
X4519 X4520 X4521 X4522 X4523 X4524 X4525 X4526 X4527 X4528 X4529 X4531 X4532 
X4533 X4534 X4535 X4538 X4539 X4540 X4541 X4542 X4543 X4544 X4545 X4546 X4601 
X4602 X4604 X4605 X4606 X4607 X4608 X4611 X4612 X4613 X4614 X4615 X4616 X4617 
X4618 X4619 X4620 X4621 X4622 X4700 X4701 X4703 X4704 X4705 X4706 X4710 X4711 
X4712 X4713 X4714 X4715 X4716 X4717 X4725 X4727 X4731 X4732 X4735 X4736 X4737 
X4738 X4739 X4740 X4741 X4801 X4802 X4803 X4804 X4805 X4806 X4807 X4808 X4809 
X4810 X4811 X4812 X4813 X4814 X4816 X4817 X4818 X4819 X4820 X4821 X4822 X4823 
X4824 X4825 X4826 X4827 X4828 X4829 X4830 X4831 X4832 X4833 X4834 X4902 X4903 
X4904 X4905 X4906 X4907 X4908 X4909 X4910 X4911 X4912 X4913 X4914 X4916 X4917 
X4918 X4919 X4920 X4921 X4922 X4923 X4924 X4925 X4926 X4927 X4928 X4929 X4930 
X4931 X4932 X4933 X4934 X5002 X5003 X5004 X5005 X5006 X5007 X5008 X5009 X5010 
X5011 X5012 X5013 X5014 X5016 X5017 X5018 X5019 X5020 X5021 X5022 X5023 X5024 
X5025 X5026 X5027 X5028 X5029 X5030 X5031 X5032 X5033 X5034 X5036 X5037 X5101 
X5102 X5103 X5104 X5105 X5107 X5108 X5109 X5110 X5111 X5112 X5113 X5114 X5115 
X5118 X5119 X5120 X5121 X5122 X5123 X5124 X5125 X5126 X5127 X5128 X5129 X5131 
X5132 X5133 X5134 X5135 X5138 X5139 X5140 X5141 X5142 X5143 X5144 X5145 X5146 
X5201 X5202 X5204 X5205 X5206 X5207 X5208 X5211 X5212 X5213 X5214 X5215 X5216 
X5217 X5218 X5219 X5220 X5221 X5222 X5301 X5302 X5303 X5304 X5305 X5306 X5307 
X5308 X5309 X5310 X5311 X5312 X5313 X5314 X5315 X5316 X5317 X5318 X5319 X5320 
X5322 X5323 X5324 X5325 X5326 X5327 X5328 X5330 X5331 X5332 X5333 X5334 X5335 
X5336 X5338 X5415 X5416 X5417 X5418 X5419 X5420 X5422 X5423 X5424 X5425 X5426 
X5427 X5428 X5430 X5431 X5432 X5433 X5434 X5435 X5436 X5438 X5501 X5502 X5503 
X5504 X5505 X5506 X5507 X5508 X5509 X5510 X5511 X5512 X5513 X5514 X5515 X5516 
X5517 X5601 X5602 X5603 X5604 X5606 X5607 X5608 X5609 X5611 X5612 X5614 X5615 
X5616 X5617 X5619 X5620 X5622 X5623 X5624 X5625 X5627 X5628 X5630 X5631 X5632 
X5633 X5635 X5636 X5638 X5639 X5640 X5641 X5643 X5644 X5646 X5647 X5648 X5649 
X5701 X5702 X5703 X5704 X5705 X5706 X5707 X5708 X5709 X5710 X5711 X5712 X5713 
X5714 X5715 X5716 X5717 X5718 X5719 X5720 X5721 X5722 X5723 X5724 X5725 X5726 
X5727 X5729 X5731 X5732 X5733 X5734 X5735 X5736 X5737 X5738 X5739 X5740 X5741 
X5742 X5743 X5744 X5746 X5747 X5748 X5749 X5750 X5751 X5801 X5802 X5803 X5804 
X5805 X5806 X5808 X5809 X5810 X5811 X5813 X5814 X5815 X5816 X5818 X5819 X5820 
X5821 X5822 X5823 X5824 X5825 X5901 X5902 X5903 X5904 X5905 X5906 X5908 X5909 
X5910 X5911 X5912 X5913 X5914 X5915 X5925 X5926 X5927 X5928 X5929 X5930 X6026 
X6027 X6028 X6029 X6030 X6101 X6102 X6103 X6104 X6105 X6106 X6108 X6109 X6110 
X6120 X6121 X6122 X6123 X6124 X6301 X6302 X6303 X6304 X6305 X6306 X6308 X6309 
X6310 X6311 X6312 X6313 X6314 X6315 X6316 X6317 X6318 X6319 X6320 X6321 X6322 
X6323 X6324 X6325 X6326 X6327 X6328 X6329 X6330 X6331 X6332 X6333 X6334 X6335 
X6336 X6337 X6401 X6402 X6403 X6405 X6406 X6407 X6408 X6409 X6410 X6411 X6412 
X6413 X6414 X6415 X6417 X6418 X6420 X6421 X6423 X6424 X6425 X6426 X6427 X6428 
X6429 X6430 X6431 X6432 X6435 X6436 X6437 X6438 X6439 X6503 X6504 X6519 X6520 
X6521 X6522 X6523 X6525 X6526 X6527 X6528 X6529 X6530 X6531 X6532 X6533 X6534 
X6535 X6536 X6537 X6538 X6539 X6540 X7401 X7402 X7405 X7406 X7407 X7408 X7409 
X7410 X7411 X7412 X7415 X7416 X7417 X7418 X7419 X7420 X7500 X7501 X7502 X7503 
X7507 X7508 X7509 X7510 X7511 X7512 X7513 X7514 X7515 X7516 X7517 X7518 X7519 
X7520 X7521 X7522 X7523 X7524 X7525 X7526 X7527 X7528 X7529 X7530 X7531 X7532 
X7533 X7534 X7535 X7536 X7537 X7538 X7539 X7540 X7541 X7542 X7543 X7545 X7552 
X7553 X7554 X7555 X7564 X7565 X7566 X7567 X7568 X7569 X7570 X7571 X7572 X7575 
X7576 X7577 X7578 X7579 X7580 X7581 X7582 X7583 X7584 X7585 X7586 X7601 X7603 
X7605 X7607 X7609 X7611 X7613 X7615 X7617 X7618 X7620 X7622 X7624 X7626 X7628 
X7630 X7631 X7632 X7633 X7634 X7635 X7636 X7637 X7638 X7639 X7640 X7641 X7642 
X7643 X7647 X7650 X7651 X7652 X7662 X7663 X7664 X7665 X7666 X7667 X7679 X7680 
X7681 X7682 X7683 X7684 X7685 X7686 X7687 X7688 X7689 X7690 X7691 X7692 X7693 
X7697 X7698 X7699 X7700 X7701 X7702 X7703 X7704 X7706 X7707 X7708 X7709 X7710 
X7711 X7712 X7713 X7714 X7715 X7716 X7717 X7718 X7719 X7720 X7724 X7725 X7726 
X7727 X7728 X7729 X7730 X7731 X7732 X7733 X7734 X7735 X7736 X7738 X7740 X7742 
X7744 X7746 X7751 X7752 X7753 X7754 X7755 X7756 X7758 X7759 X7760 X7761 X7762 
X7763 X7764 X7765 X7767 X7769 X7770 X7771 X7772 X7801 X7802 X7804 X7805 X7806 
X7808 X7809 X7811 X7812 X7813 X7814 X7815 X7816 X7817 X7818 X7820 X7821 X7822 
X7823 X7824 X7827 X7828 X7829 X7831 X7832 X7834 X7835 X7836 X7837 X7838 X7839 
X7840 X7841 X7843 X7844 X7845 X7846 X7847 X7850 X7851 X7852 X7854 X7855 X7857 
X7858 X7859 X7860 X7861 X7862 X7863 X7864 X7866 X7867 X7868 X7869 X7870 X7904 
X7905 X7906 X7908 X7909 X7911 X7912 X7913 X7914 X7915 X7916 X7917 X7918 X7920 
X7921 X7922 X7923 X7924 X7927 X7928 X7929 X7931 X7932 X7934 X7935 X7936 X7937 
X7938 X7939 X7940 X7941 X7943 X7944 X7945 X7946 X7947 X7950 X7951 X7952 X7954 
X7955 X7957 X7958 X7959 X7960 X7961 X7962 X7963 X7964 X7966 X7967 X7968 X7969 
X7970 X8000 X8005 X8007 X8012 X8020 X8021 X8022 X8023 X8024 X8095 X8098 X8099 
X8100 X8101 X8102 X8103 X8104 X8107 X8108 X8109 X8111 X8112 X8113 X8114 X8115 
X8116 X8117 X8119 X8120 X8121 X8122 X8123 X8124 X8127 X8128 X8129 X8130 X8163 
X8164 X8166 X8167 X8168 X8169 X8170 X8171 X8172 X8183 X8184 X8185 X8186 X8300 
X9082 X9083 X9084 X9085 X9086 X9087 X9088 X9089 X9090 X9099 X9100 X9101 X9102 
X9103 X9104 X9105 X9106 X9107 X9108 X9109 X9110 X9111 X9112 X9113 X9114 X9115 
X9116 X9117 X9118 X9119 X9120 X9121 X9122 X9123 X9124 X9125 X9126 X9127 X9128 
X9129 X9130 X9131 X9132 X9133 X9134 X9135 X9136 X9137 X9138 X9139 X9140 X9141 
X9142 X9143 X9144 X9145 X9146 X9147 X9148 X9149 X9150 X9151 X9152 X9153 X9200 
X9201 X9202 X9203 X9204 X9205 X9206 X9207 X9208 X9209 X9210 X9211 X9212 X9213 
X9214 X30022 X30074 X41000 X42000 X42001 Y1 YY1                     
---------------------------------------------------------------------------
---------------------------------------------------------------------------