[Federal Register: November 29, 1995 (Volume 60, Number 229)]
[Notices ]
[Page 61331-61417]
From the Federal Register Online via GPO Access [wais.access.gpo.gov]

[[Page 61331]]

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Part III

Office of Personnel Management

_______________________________________________________________________

Report on Summer 1994 Surveys Used To Determine Cost-of-Living
Allowances in Selected Nonforeign Areas; Notice

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OFFICE OF PERSONNEL MANAGEMENT


Report on Summer 1994 Surveys Used To Determine Cost-of-Living
Allowances in Selected Nonforeign Areas

AGENCY: Office of Personnel Management.

ACTION: Notice.

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

SUMMARY: This notice publishes the ``Report to OPM on Living Costs in
Hawaii, Guam and the Commonwealth of the Northern Mariana Islands,
Puerto Rico, United States Virgin Islands, and in the Washington, DC,
Area, August 25, 1995,'' prepared by Jack Faucett Associates under
Government contract OPM-94-BP-3816.

DATES: Comments must be received on or before January 29, 1996.

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

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

SUPPLEMENTARY INFORMATION: Sections 591.205(d) and 591.206(c) of title
5, Code of Federal Regulations, require that nonforeign area cost-of-
living allowance (COLA) survey summaries and calculations be published
in the Federal Register. Accordingly, OPM is publishing the complete
``Report to OPM on Living Costs in Hawaii, Guam and the Commonwealth of
the Northern Mariana Islands, Puerto Rico, United States Virgin
Islands, and in the Washington, DC, Area, August 25, 1995,'' produced
by Jack Faucett Associates under contract with OPM. This report
explains in detail the methodologies, calculations, and findings of the
summer 1994 living-cost surveys.
    Survey Results. Jack Faucett Associates computed index values of
relative living costs in the allowance areas using an index scale where
the living costs in the Washington, DC, area equal 100. (See the
Executive Summary of the report.) OPM notes that the summer survey
indices showed that the COLA rates for all of the allowance areas are
above levels warranted by the indices. However, the Treasury, Postal
Service and General Government Appropriations Act, 1992 (Pub. L. 102-
141), as amended, prohibits reductions in COLA rates through December
31, 1996. Therefore, OPM is not proposing any adjustments in the COLA
rates in these allowance areas at this time.

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

Report to OPM on Living Costs in Hawaii, Guam and the Commonwealth of
the Northern Mariana Islands, Puerto Rico, United States Virgin
Islands, and in the Washington, DC, Area

August 1995.

Table of Contents

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

List of Appendices

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

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Appendix 16: Auto Insurance Calculation Worksheet
Appendix 17: Air Fares and Other Transportation Expenses Cost
Analysis
Appendix 18: Transportation Analysis
Appendix 19: Miscellaneous Expense Analysis
Appendix 20: Final Indexes

Executive Summary

    This report provides the results of the summer 1994 living-cost
surveys and compares living costs in certain Pacific and Caribbean
nonforeign cost-of-living allowance (COLA) areas relative to the
Washington, DC, area.
    The surveys and analyses were conducted by Jack Faucett Associates
(JFA), an economics consulting firm located in Bethesda, Maryland, and
its subcontractor, Runzheimer International, a Wisconsin-based firm
specializing in the collection and analysis of cost-of-living
information. The study was conducted for the Office of Personnel
Management (OPM) under contract OPM-94-BP-3816. The contract requires
JFA to:
    (1) Survey living costs in seven allowance areas and in the
Washington, DC, area, and
    (2) Compare living costs between the allowance areas and the DC
area.
    For this study, JFA and Runzheimer researched more than 3,000
outlets and gathered more than 12,000 prices on more than 200 items
representing typical consumer purchases. These prices were then
combined using consumer expenditure information developed by the Bureau
of Labor Statistics. The final results of the study are a series of
living-cost indexes, shown in the table below, which show the living-
costs in each of the allowance areas relative to the Washington, D.C.,
area. The index for the DC area (not shown) is 100.00 because it is, by
definition, the reference area.

                Table E-1.--Final Cost Comparison Indexes
------------------------------------------------------------------------
                        Allowance area                           Index
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City and County of Honolulu, Hawaii..........................     119.56
Hawaii County, Hawaii........................................     112.56
Kauai County, Hawaii.........................................     116.35
Maui County, Hawaii..........................................     118.84
Guam/CNMI, Local Retail......................................     119.39
Guam/CNMI, Commissary/Exchange...............................     113.40
Puerto Rico..................................................      99.63
U.S. Virgin Islands..........................................    112.08
------------------------------------------------------------------------
CNMI = Commonwealth of the Northern Mariana Islands

    OPM implemented a number of improvements for the summer 1994
survey. These included:

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

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

1. Introduction

1.1  Report Objectives
    This comprehensive report culminates data collection and research
work undertaken in summer 1994 as required by Tasks 1 and 2 of contract
OPM-94-BP-3816 between the Office of Personnel Management (OPM) and
Jack Faucett Associates (JFA). This report only provides the results of
the summer 1994 surveys. A listing of earlier reports that provided the
results of previous surveys is shown in Appendix 1.
    The analyses show the comparative living-cost differences between
the Washington, DC, area and the following allowance areas:

1. City and County of Honolulu, Hawaii
2. Hawaii County, Hawaii
3. Kauai County, Hawaii
4. Maui County, Hawaii
5. Guam and the Commonwealth of the Northern Mariana Islands (CNMI)
6. Puerto Rico
7. U.S. Virgin Islands

    By law, Washington, DC, is the base or ``reference'' area for the
nonforeign area cost-of-living allowance (COLA) program.
    The contract also required JFA to analyze living-costs of Federal
civilian employees in Guam who have access to military commissaries and
exchanges. Under OPM regulations, employees who have unlimited access
to commissaries and exchanges because of their Federal civilian
employment are paid a COLA rate that takes into consideration such
purchasing privileges. These regulations do not apply to Federal
employees who have limited access to commissaries and exchanges or who
have access for other reasons, e.g., military dependents or retired
military personnel.
1.2  Changes in This Year's Survey
    One of the obvious changes this year was OPM's selection of a new
contractor for living-cost surveys and analyses: JFA. JFA subcontracted
a substantial portion of the work to Runzheimer International, OPM's
previous contractor for the COLA program.
    OPM directed JFA to make several changes to the survey and
analyses. Some of the key changes this year included:

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

    Three of these changes are discussed further below. The other
changes are discussed where applicable in the report.
1.2.1  Three-Year CES Moving Average
    One change was the introduction of a three-year moving average of
CES data in calculating the weights used to combine price indexes. In
prior years, expenditure weights were based on the 1988 CES, and OPM
wanted to use more current CES information.
    Rather than simply replacing the 1988 CES data with the most recent
(1992) CES data, OPM implemented a system that would allow the gradual
introduction of new CES data over time, thereby reducing the impact
that short-term changes in CES might have on the living-cost indexes.
In future surveys, OPM plans to include current CES information and
drop the oldest CES data to maintain a three-year moving average.
Appendices 3 and 4 show the CES data used in this study.
1.2.2  New Living Communities
    Another change was the selection of new living communities based on
the results of the 1992 Federal Employee Housing and Living Patterns
Survey. In

[[Page 61334]]
that survey, employees were asked to provide their residential zip
codes. OPM used this information to refine community selection.
    Two types of changes were made. In areas with relatively large
concentrations of Federal employees and sufficient housing data, OPM
selected communities to reflect the areas where Federal employees
typically lived. On Oahu, for example, these changes generally resulted
in the selection of communities within or close to Honolulu proper. In
other areas where concentrations of Federal employees were not as
evident or where obtaining a sufficient quantity of housing data had
been difficult in previous surveys, OPM expanded the survey community
to cover a larger area. For example, the entire island was surveyed for
housing in Guam, Kauai, Maui, St. Croix, and St. Thomas.
    The updated list of communities is provided in Appendix 9. These
are the communities in which house sales and rental rates were
collected. The communities were also used to determine the normal
shopping radius and the outlets at which prices were collected.
1.2.3  Historical Housing Data
    A third change was the incorporation of historical housing data to
reflect not only the prices paid for recent home purchases but also for
homes purchased in prior years. Appendix 10 shows the home market
values, interest rates, and annual principal and interest payments for
each area by year and income level. Appendix 11 shows how the principal
and interest payments were combined using weights based on the percent
of Federal employees presumed to have purchased their homes in each
given year. The weights were derived from the results of the 1992
Federal Employee Housing and Living Patterns Survey.
1.3  Pricing Period
    The prices were collected in the allowance areas and in the
Washington, D.C., area in August 1994. As with the previous surveys,
the prices of some items--those dependent upon the pricing of other
items--were collected slightly later (i.e., in September and October
1994) In addition, individual item prices not meeting OPM's quality
control procedures were resurveyed in October and used to verify or
replace the original prices.
    As was done in previous surveys, JFA included some catalog sales in
its survey. Only catalogs that sell merchandise in both the allowance
areas and the Washington, D.C. area were used. To ensure consistent
seasonal catalog pricing, JFA used spring/summer catalogs for the
catalog items surveyed.

2. The COLA Model

2.1  Measurement of Living-Cost Differences
    A common and widely accepted way to measure living-cost differences
between and among locations is to select representative items that
people purchase in these locations and to calculate the respective cost
differences, combining them according to their importance to one
another (as measured by relative percentage of expenditures). The COLA
model applies this methodology to compare the living costs in each of
the allowance areas with the living costs in the Washington, DC, area.
    Moving from this basic concept to computing comparative living
costs between each allowance area and the Washington, DC, area involves
five main steps:
    Step 1: Identify the segment of the population for which the
analysis is targeted (i.e., the target population).
    Step 2: Estimate how these people spend their money.
    Step 3: Select items to represent the types of expenditures people
usually make and outlets at which people typically make purchases.
    Step 4: Conduct pricing surveys of the selected items in each area.
    Step 5: Analyze cost ratios for the selected items and aggregate
them according to the relative importance of each item.
2.2  Step 1: Identifying the Target Population
    The study estimates living-cost differences for nonmilitary Federal
employees who have annual base salaries between approximately $12,000
and $87,000, the range of the General Schedule. Because living costs
may vary depending on an employee's income level, living costs are
analyzed at three income levels.
2.2.1  Federal Salaries
    To determine the appropriate income levels, OPM analyzed the 1994
distribution of salaries for all General Schedule employees in all of
the allowance areas combined. OPM divided this distribution into three
groups of equal size and identified the median salary in each of the
groups. These values were then rounded to the nearest $100 to produce
the three representative income levels of $20,800, $31,500, and
$48,300.
    The study analyzes living costs at each of these three income
levels. The results are three sets of estimated expenditures for each
allowance area and for the Washington, D.C., area. To combine these
estimated expenditures into a single overall index for the area, JFA
used employment weights provided by OPM.
2.2.2  Federal Employment Weights
    As with the income levels, the OPM employment weights were derived
from the distribution of General Schedule employees by salary level.
Using the salary parameters identified in the income analysis described
above, OPM determined the number of General Schedule employees in each
salary group in each allowance area. Using a moving average similar to
that used with the CES data (see section 1.2.1), OPM combined these
data with the same type of information for the previous two years and
calculated the percent of the General Schedule workforce in each income
group in each area. These percentages were the weights that JFA used.
    In addition, OPM provided General Schedule employment weights to
combine data in the three allowance areas in which two separate
locations are surveyed. Those allowance areas are: Hawaii County,
Hawaii; Puerto Rico; and the U.S. Virgin Islands. These areas are
described in greater detail in section 2.5.6.1.
    For these areas, OPM identified the number of General Schedule
employees associated with each survey location and then combined this
information with similar information from the previous two years again
using a moving average. The employment counts were converted to
percentages representing the proportion of the General Schedule
population represented by each of the survey locations. JFA used the
percentages as weights to combine the survey data from each survey
area.
    Appendix 2 shows the General Schedule employment distributions and
how the percentage weights were derived.
2.3  Step 2: Estimating How People Spend Their Money
2.3.1  Consumer Expenditure Survey (CES)
    Expenditure patterns for employees for all areas, including the
Washington, D.C., area, are based on national data from the CES. OPM
obtained from the Bureau of Labor Statistics ``prepublished'' CES
results for 1988, 1991, and 1992. As discussed in section 1.2.1, these
three years of CES data were combined using a moving average.
    CES data are used in two ways: to identify appropriate items for
survey

[[Page 61335]]
and to derive item, category, and component weights. The item weights
are not income sensitive. However, aggregated CES data are analyzed by
income level to derive category and component weights. These weights
are income sensitive. The CES data used in this study are shown in
Appendix 3 and 4.
    The Bureau of Labor Statistics has advised OPM that
``prepublished'' CES data may not be statistically significant. To
OPM's knowledge, however, it is the only source of comprehensive
consumer expenditure information by income level. Therefore, it is used
in the model.
2.3.2  Expenditure Categories and Components
    The CES groups expenses into small, logical families of items. For
example, the report divided money spent by families on beef into four
groups: ground beef, roast, steak and other beef. The steak and roast
groupings were further separated into smaller clusters of items (e.g.,
sirloin and round steak, chuck and round roast).
    Using the CES data, the items were sorted into the four main cost
components specified in OPM regulations: Consumption Goods and
Services, Transportation, Housing, and Miscellaneous Expenses. To
develop weighting patterns for the three income levels, JFA performed
linear regression analyses on the CES data shown in Appendix 3.\1\
These analyses produced estimated expenditures at the three income
levels identified in section 2.2.1 above. JFA converted these
expenditures to percentages of total expenditures for the four
components to produce the values shown in the table below. The values
were the weights JFA used to combine the expenditures for each of the
components into an overall value for each income level in each
allowance area and the Washington, D.C., area.

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

    Goods and services items were further sorted into ten categories
and linear regression techniques were used to estimate expenditures on
these ten categories by income level. The weights for these categories
are shown in section 3.1. The same technique was also used to compute
category weights for the Transportation and Miscellaneous Components
and to produce ratios of renters to homeowners at each income level.
2.4  Step 3: Selecting Items and Outlets
2.4.1  Item Selections--The Marketbasket
    As noted above, CES items were grouped into ``clusters'' of
expenses to determine which items to survey. These clusters were chosen
so that no marketbasket item would have overwhelmingly large or
insignificantly small item weight.
    For each of these clusters, a set of items to price was identified.
Collectively, these items are called a ``marketbasket.'' Because it
would have been impractical to survey all of the thousands of items
consumers might buy, the marketbasket contains representative items,
such as cheddar cheese, that represent itself and the many other
related items that consumers purchase (e.g., Edam, Gouda, Jack, Swiss,
et cetera). JFA's marketbasket had more than 200 items ranging from
table salt to new cars to home purchases.
    The items selected were representative of other similar items,
commonly purchased, and readily available in all areas. For example, a
10.5-ounce can of Campbell's vegetable soup was selected for survey
because it is representative of canned and packaged soups, is a
commonly-purchased brand, and is found in all areas. Whenever
practical, the item description included the exact brand, model, type,
and size, so that exactly the same items could be priced in all areas
if possible. Appendix 5 provides a list of the items surveyed and their
descriptions.
    Changes to the item list and descriptions are an important aspect
of the COLA survey. These changes are necessary to improve the survey
and keep the items and descriptions current. For this survey, JFA
changed several of the items or descriptions. The changes and the
reasons for each are listed in Appendix 6.
2.4.2  Geographic Coverage and Outlet Selection
    Just as it was important to select commonly-purchased items and
survey the same items in all areas, it was important to select outlets
frequented by consumers and find equivalent outlets in all areas. This
involved deciding which geographic areas to survey and which outlets to
survey within these geographic areas.
2.4.2.1  Geographic Areas
    For some areas, the choice of which area(s) to survey was obvious.
On St. Thomas, for example, the whole island is surveyed because St.
Thomas is a relatively small island and Federal employees live
throughout the island.

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

    For other areas, those with multiple communities from which to
choose, specific communities had to be identified. To do this, OPM used
the results of the 1992 Federal Employee Housing and Living Patterns
Survey. Among other things, that survey obtained information on where
Federal employees lived. OPM used this information to select the
communities in which housing costs would be priced. JFA then identified
outlets within a normal shopping radius of these housing communities.
2.4.2.2  Similarity of Outlets
    Whenever possible, JFA selected popular outlets that were
comparable to outlets in all areas. For example, JFA surveyed the price
of grocery items at supermarkets in all areas because most people
purchase their groceries at such stores and because supermarkets are

[[Page 61336]]
found in all areas.\2\ The selection of comparable outlets was
particularly important because comparing the prices of items purchased
at dissimilar outlets would be inappropriate (e.g., comparing the price
of a box of cereal at a supermarket with one sold at a convenience
store).

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

    Although major supermarkets, department stores, and discount stores
represented a sizable portion of the survey, JFA also selected outlets
to represent the diversity of consumer shopping. For example, JFA could
have used department stores for pricing all clothing items surveyed.
This would not, however, have reflected the range of consumer choices.
Therefore, JFA also priced some clothing items in men's and women's
clothing stores, other clothing items in department stores, others in
shoe stores, and still others in discount stores. For each item, the
same type of outlet (e.g., clothing store, discount store, department
store) was selected in each area whenever possible.
2.4.2.3  Catalog Pricing
    A limited amount of catalog pricing was included in the survey to
reflect this common purchasing option. Eight item prices were surveyed
by catalog. OPM selected these items based on comments it received from
Federal employees. Catalog pricing also allowed the comparison of
comparable items that would have been difficult to price otherwise. Of
course, all catalog prices included any charges for shipping and
handling and all applicable taxes.
2.5  Step 4: Surveying Prices
    As noted earlier, JFA obtained approximately 12,000 prices on more
than 200 items from 3,000 outlets. In each survey area, JFA attempted
to get at least three price quotes for each item, with certain
exceptions. For example, essentially all of the available home sales
and rental data meeting the specifications were obtained. For other
items, such as utilities and real estate tax rates, only one quote was
obtained in each area because these items have uniform rates within an
area. Because the Washington, D.C., area has six survey communities,
JFA attempted to get at least 18 price quotes for most items in this
area.
    To accomplish this, JFA used various information-gathering
approaches. These are described below.
2.5.1  In-House Research Staff
    JFA's research personnel, and those of Runzheimer, its
subcontractor, played a major role in all data-collection activities.
These professionals:

--Contacted manufacturers, trade associations, governmental agencies,
and retail establishments to ensure that suitable items were selected
and priced at common types of outlets;
--Contacted real estate professionals in each survey area to obtain
general information as well as specific rental rates and home market
values;
--Conducted pricing surveys onsite and by telephone;
--Served as a liaison for field researchers who collected price
information onsite;
--Performed hundreds of quality control checks, often verifying survey
data through telephone calls and comparing current data-gathering
results with those from earlier surveys; and
--Analyzed and computed the item, category, component, and total
comparative cost indexes.
2.5.2  Field Researchers--``Research Associates''
    Most of the price data were collected onsite by Research Associates
(RA's). The RA's were independent contractors, hired by JFA to visit
retail outlets in each area and collect prices. All of these RA's were
residents of the area. To avoid any real or perceived conflicts of
interest, JFA refrained from hiring research associates who were either
employees of the Federal government or who had immediate family who
were employees of the Federal government.
2.5.3  Data Collection Materials
    The living-cost surveys conform with the provisions of the
Paperwork Reduction Act and are approved by the Office of Management
and Budget (OMB). The OMB-approved survey collection materials are
found in Appendix 7. All JFA-developed worksheets or other survey
materials conformed with those approved by OMB.
2.5.4  Inclusion of Sales and Excise Taxes
    For all items subject to sales and/or excise tax, the appropriate
amount of tax was added prior to analysis. JFA gathered applicable
information on taxes by contacting appropriate sources of information
in the allowance areas and the Washington, DC, area. JFA also used
appropriate tax publications, such as the State of Maryland's Sales and
Use Tax Laws and Regulations and the ``General Excise Tax Law''
(Chapter 237) of the Hawaii Tax Reports.
2.5.5  JFA's Onsite Visits
    Full-time JFA research professionals traveled to each allowance
area to supervise data collection activities and perform various
quality control checks as necessary. These visits all occurred during
the pricing period so that these professionals could answer any of the
RA's data collection questions or provide additional training and
instruction if necessary.
    The researchers visited living communities within the allowance
areas to look at housing and to talk with local real estate
professionals. They also visited numerous retail outlets to verify that
comparable items were being priced at comparable outlets. In addition,
they obtained general information about the local economy.
2.5.6  Special Considerations in Selected Areas
2.5.6.1  Pricing Surveys in Hawaii County, Puerto Rico, and the Virgin
Islands
    Three allowance areas have multiple survey areas: Hawaii County,
Hawaii; Puerto Rico; and the U.S. Virgin Islands. In Hawaii County,
surveys were conducted in Hilo and in the Kailua Kona area. In Puerto
Rico, surveys were conducted in San Juan and in Mayaguez; and in the
Virgin Islands, surveys were conducted on St. Croix and St. Thomas.
    The survey data for each of these separate survey areas had to be
combined to represent the allowance area overall. To do this, OPM
provided JFA with weights based on the distribution of General Schedule
employees in these areas. These weights are shown in Appendix 2 and are
computed using three years of data and the moving-average approach
described earlier.
2.5.6.2  Surveying the Washington, DC, Area
    As noted earlier, JFA attempted to get more price quotes in the DC
area than in the allowance areas because of the size and diversity of
the Washington metropolitan area. For the purposes of the COLA surveys,
the DC area was divided into six survey areas: two in the District of
Columbia, two in Maryland, and two in Virginia. The specific areas
surveyed were within a normal shopping radius of the housing
communities identified in Appendix 9. Survey data from each of the six
DC

[[Page 61337]]
survey areas were combined using equal weights.
2.6  Step 5: Analyzing Data and Computing Indexes
2.6.1  General Formulae
2.6.1.1  Indexes
    Nonforeign area COLAS are derived from the living-cost indexes.
These indexes are mathematical comparisons of living costs in the
allowance areas compared with living costs in the Washington, DC, area.
    At the most fundamental level, an index is a way to state the
difference between two prices (or sets of prices). For example, if a
can of green beans costs $1.00 in the allowance area and 80 cents in
the DC area, green beans are 25 percent more expensive in the allowance
area than in DC. That difference can also be stated as a price index of
125.
2.6.1.2  Item Weights
    JFA computed indexes for hundreds of items. To combine these
indexes, JFA used weights derived from the CES. These weights reflected
the relative amount consumers normally spend on different items. For
example, the price of a can of green beans has a lower weight than the
price of a pound of apples because, according to the CES, people
generally spend less on green beans than on apples.
    The COLA model uses a fixed-weight indexing methodology. This means
that the same expenditure weights are used in the reference area (i.e.,
the DC area) and in the allowance areas. The weights used are based on
the expenditure patterns of consumers nationwide as reported by the
CES. This is the only source, of which OPM is aware, that provides
expenditure information by income level.
2.6.1.3  Category and Component Weights
    As described in section 2.3.2, JFA also computed income sensitive
category and component weights. This allowed the combination of item
prices in a manner that reflected the different spending patterns of
people at different income levels. How this was accomplished differed
among the components.
    For the Goods and Services and Miscellaneous Expense components,
JFA simply combined indexes within each category using the CES weights
to derive an overall index for the category. The category indexes were
then combined into an overall component index using the income-
sensitive category weights described above.
    For the Transportation and Housing Components, JFA used the above
approach in combination with a cost-build-up approach. For example, for
each area the annual cost of owning and operating an automobile was
computed by taking individual prices (e.g., automobile financing,
insurance, gas and oil, and maintenance) and computing an overall
dollar cost for each area. These costs were compared with those in the
DC area to compute the Private Transportation Category index. This
index was then combined with the Other Transportation Category index
using income sensitive category weights to compute an overall
Transportation Component index for each area.
2.6.2  Computing the Overall Index
    The item, category, and component indexes were combined using the
process prescribed in Section 591.205(c), title 5, Code of Federal
Regulations. That is a five-step process that involves converting the
indexes to dollar values and weighting these, combining them, and
comparing them to compute a final weighted average index. The process
is described below.
    First, JFA used the CES data and the income ranges described in
section 2.2.1 to determine the amount of money consumers typically
spend on each component at each income level. These amounts appear in
the table below and in Appendix 20. They were derived by taking the
component weights shown in Table 2-1 times the representative income
levels described in section 2.2.1.

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

    Second, for each allowance area, JFA multiplied the dollar values
above by the component indexes for the allowance area. Because the
housing component consisted of two indexes (one for owners and another
for renters), two sets of total relative costs were produced--one for
owners and another for renters.
    Third, for each allowance area and income level, JFA combined the
total relative costs for owners and renters using as weights the
proportion of owners and renters as identified in the CES. (See section
4.2.1.) This produced an overall expenditure dollar amount for each
income level in each allowance area.
    Fourth, JFA computed a single overall average expenditure for each
allowance area by combining the income level expenditures and using the
allowance area General Schedule employment distribution as weights.
This produced a single overall dollar expenditure value for the
allowance area. Using the same General Schedule employment weights, JFA
also computed a single overall dollar expenditure value for the DC
area.
    The final step was to divide the overall average dollar expenditure
for the allowance area by the overall average dollar expenditure for
the DC area to compute a final index. These indexes are shown in the
last section of this report and in Appendix 20.

3. Consumption Goods and Services

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



[[Page 61338]]
   Table 3-1.--Category Weights Expressed as a Percentage of Goods and
                  Services Expenditures by Income Level
------------------------------------------------------------------------
                                               Income levels
            Category             ---------------------------------------
                                     Lower        Middle        Upper
------------------------------------------------------------------------
Food at Home....................        26.40        23.49        20.65
Food Away from Home.............        14.42        14.73        15.04
Tobacco.........................         3.15         2.59         2.05
Alcohol.........................         2.77         2.73         2.69
Furnishings and Hsld. Op........        14.71        15.79        16.85
Clothing........................        13.97        14.65        15.30
Domestic Service................         1.76         1.90         2.04
Professional Services...........         6.48         6.65         6.82
Personal Care...................         3.62         3.52         3.43
Recreation......................        12.72        13.94        15.14
                                 ---------------------------------------
      Totals....................       100.00       100.00       100.00
------------------------------------------------------------------------
(Note: Values may not total because of rounding.)

3.2  Goods and Services Data Collection--Special Considerations
3.2.1  Exchange and Commissary Expenditure Research
    Executive Order 10000, as amended, requires OPM to adjust COLA
rates when employees have special purchasing privileges, such as
unlimited access to commissaries and exchanges. In Guam, employees have
such access, so OPM directed JFA to price the same marketbasket of
Goods and Services items at the commissaries and exchanges in Guam as
it used for the local retail pricing. One price quote was obtained for
each marketbasket item found in these facilities.
    It was not assumed that people with access to military facilities
made all purchases in these facilities. Instead, the results of an OPM
survey of Federal employees was used to determine the percentage of
purchases that families typically make in military facilities versus
local outlets. For example, as the following table shows, it is
estimated that employees with commissary/exchange access in Guam,
purchase approximately 70% of their Food at Home items at a commissary
and purchase the remaining 30% of such items in local retail outlets.

    Table 3-2.--Percentages of Purchases Made at the Commissaries and
                            Exchanges in Guam
------------------------------------------------------------------------
                          Category                            Percentage
------------------------------------------------------------------------
Food at Home................................................       70.0
Food Away...................................................        0.0
Tobacco.....................................................       64.0
Alcohol.....................................................       76.0
Furnishings. and Hsld. Op...................................       64.5
Clothing....................................................       43.7
Domestic Service............................................        0.0
Professional Services.......................................        0.0
Personal Care...............................................       49.3
Recreation..................................................       49.7
------------------------------------------------------------------------

    These percentages were used to aggregate the local retail and
commissary/exchange prices into one set of appropriate, blended prices,
hereinafter referred to as the Commissary/PX prices. The blended prices
were compared to the local retail prices in the Washington, DC, area to
compute Commissary/PX Goods and Services Category indexes, which were
then combined using CES weights to derive an overall Commissary/PX
Goods and Services Component index. Just as with the Guam Local Retail
Goods and Services Component index, the Guam Commissary/PX Goods and
Services Component index was combined with the indexes for the Housing,
Transportation and Miscellaneous Expense Components to derive a single,
overall Commissary/PX index for the Guam allowance area.
3.2.2  Restaurant Pricing
    To ensure comparison of prices at comparable restaurants among
areas, OPM asked JFA to classify the restaurants it surveyed into two
groups: family dining and fine dining. JFA used such characteristics as
menu selections, atmosphere, table setting, seating, reservations, and
American Automobile Association rating to make these distinctions. In
addition, OPM also directed JFA to survey 100% of selected family
restaurants for breakfast, approximately 75% for lunch, and about 67%
for dinner. This allowed comparison of meal prices at a comparable mix
of restaurants in all areas.
3.3  Goods and Services Survey Results
    Section 2.6 of this report provides a detailed explanation of the
economic model used to analyze the price data. As it applies to Goods
and Services, the approach involved comparing the average prices of
marketbasket items in each allowance area with those in the Washington,
DC, area. The resulting price ratios were aggregated into subcategory
and then category indexes using the moving-average expenditure weights
derived from the CES data.
    Appendix 8 shows for each allowance area ten category indexes, the
weights used at each of the three income levels, and the overall Goods
and Services indexes. The Washington, DC, area is not shown because it
is, by definition, the reference area. Therefore, the DC indexes are
100.

4. Housing

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

--mortgage or rent payments,
--utilities,
--real estate taxes,
--homeowner's or renter's insurance,
--home maintenance, and
--telephone.

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

[[Page 61339]]

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

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

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

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

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

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

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

--utilities,
--real estate taxes,
--owners/renters insurance,
--maintenance, and
--telephone.
4.2.4.1  Utilities
    Electricity, oil, gas, water, and sewer are the utilities used in
the model. Most utility companies are able to provide current charges
per unit of consumption and average consumption patterns for all
households. The companies were not, however, able to provide separate
consumption patterns by the size or type of housing.
    Because many utility costs vary by size of house, a factor is
needed to derive the utility rates at each of the home profiles. The
table below shows the standard square foot sizes and utility factors
used for each home profile. The factors are calculated by assuming that
utility use increases or decreases at half

[[Page 61340]]
the rate that square footage increases or decreases.

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

    In each area, JFA obtained the price of each of the types of
utilities noted above. JFA used average annual consumption per
household information gathered from utility companies serving each area
to compute average annual utility costs. The above factors were then
used to adjust the total annual utility costs for each of the various
housing profiles.
4.2.4.2  Real Estate Taxes
    For this study, JFA contacted the city assessors in each allowance
area and in the Washington, DC, area to obtain real estate tax
information on the living communities surveyed. Real estate tax
formulas were obtained for most living communities. Actual or
representative tax amounts were obtained in other communities (e.g.,
Puerto Rico) where formulas were not available or directly applicable.
4.2.4.3  Owners/Renters Insurance
    Homeowners' insurance rates are gathered for each of the survey
areas for both renter and owner profiles. For renters, the following
estimated content values were used: $20,000 at the lower and middle
income levels and $30,000 at the upper income level.
    For homeowners, the cost of insurance was dependent on the average
home values calculated as part of this survey. In most areas, it was
assumed that the structure was equal to 80 percent of the total home
value. In Hawaii, where land prices tend to be higher, it was assumed
that the structure was equal to 50 percent of the total home value.
    Previous research, conducted by Runzheimer International for OPM,
found that insurance coverage for disasters, such as floods and
earthquakes, were not widely purchased in the allowance areas.
Therefore, the COLA model does not include these additional riders.
(See Report to OPM on Living Costs in Selected NonForeign Areas and in
the Washington, DC Area, June 1992 at 57 FR 58556). Hurricane and
typhoon coverage, however, is common in Hawaii, Guam, and the U.S.
Virgin Islands, and was included either in the insurance quote obtained
or priced as a separate rider and added to the total insurance costs
for these areas.
4.2.4.4  Home Maintenance
    Estimated home maintenance expense was computed for each of the
homeowner profiles. Maintenance costs were not added in the three
renter profiles because most, if not all, maintenance expenses are
covered by the landlord.
    As was done in previous surveys, JFA priced both home maintenance
services as well as home maintenance commodities, using the CES
information to identify items to price and the weights associated with
these items. The maintenance service items priced were interior
painting, plumbing repair, electrical repair, and pest control. The
maintenance commodities priced were bathroom caulking, kitchen faucet
set, an electrical outlet, latex interior paint, and a fire
extinguisher.
    To compute home maintenance cost differences between each allowance
area and the Washington, DC, area for the homeowner profiles, an index
was computed for each maintenance item by comparing the allowance area
price to the DC area price. As with the Goods and Services Component
items, the CES data were used to weight these maintenance indexes into
an overall home maintenance index for each area.
    To combine the maintenance indexes with the other homeowner costs,
which were expressed in dollar amounts, JFA converted the indexes to
dollars by multiplying the index for each area by the average
maintenance expense reported in the CES. This cost was assigned to the
middle-income homeowner profile.
    Logically, maintenance costs for larger homes would generally be
greater than costs for middle-sized homes, while costs for smaller
homes would generally be less. Therefore, the same homeowner
multipliers used in the utilities model for the lower and upper income
profiles (.85 and 1.15 respectively) are applied to recognize
differences in maintenance costs due to house size.
4.2.4.5   Telephone
    Telephone expense consisted of local service charges, additional
charges for local calls (if applicable), and charges for long distance
calls. To measure estimated expenses for local service and local calls,
JFA surveyed the cost of touch-tone service with unlimited calling in
each area.
    To estimate long distance charges in all areas, JFA surveyed the
cost of three, ten-minute direct dial calls per month to large U.S.
mainland cities (i.e., Los Angeles, Chicago, and New York City). JFA
measured the price of a call placed in the survey area at the time of
day necessary to be received in the respective city at 8:00 p.m. local
time. In many areas, this resulted in pricing a combination of daytime
and evening-rate calls.
4.3  Housing Data Collection Procedures
    As was done in previous years, JFA collected housing information
mainly from real estate professionals, various listings services, and
advertisements. In addition, JFA personnel traveled to each of the
surveyed communities to assess the compatibility of the housing
community with the income level for which the data were used and to
ensure that homes in these communities were comparable to those in the
Washington, DC, area.
4.3.1  Homeowner Data Collection
    JFA obtained selling prices of homes that matched the housing
profiles in each living community. JFA obtained as many of these
selling prices as possible for sales that occurred during the 6-month
period prior to the date of the survey.
    The amount of data obtained depended on the number of home sales in
the community and the availability of square footage and other housing
profile information. This in turn depended on the size of the
community, economic conditions, quality and quantity of the realty data
available, and the willingness and ability of local realty
professionals and assessor offices to provide data.
    If sales data obtained from the preliminary data sources did not
meet specified contract minimums, JFA contacted additional data sources
in the area to attempt to secure more sales data, if practical. In this
manner, either all or a sizeable portion of the home sales in each area
were surveyed.
4.3.2  Renter Data Collection
    Rental data also were obtained from a variety of sources, e.g.,
brokers, rental management firms, property managers, newspaper
advertisements, and other listings. Analyses of these data revealed
what appeared to be two separate rental markets: a broker market and a
non-broker market. Rental rates and estimates provided by brokers
generally exceeded those obtained from other sources. The methodology
used to analyze these two data sets is discussed in section 4.4.2.

[[Page 61341]]

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

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

    As discussed earlier, there were essentially two sources of rental
information: broker and non-broker sources. In each area, the quantity
of data obtained from either source-type varied significantly.
Therefore, analyzing all of the rental data (both broker and non-
broker) together for an area and income level was undesirable.
    Instead, OPM instructed JFA to analyze broker and non-broker data
separately by income level. As with the housing data analyses, OPM
changed from the use of trimming and averaging to the use of the
median. Therefore, for each income level, JFA ranked the rental rates
from low to high separately for broker and non-broker data. The median
values for broker and non-broker data for each group were determined
and then averaged to compute a single rental value for each income
level. Because OPM has no information on how the Federal employees who
rent generally secure their lodgings, OPM requested that JFA apply
equal weights to the broker and nonbroker data to compute an overall
average rental rate for the area and income level. The broker and non-
broker medians and final results are shown in Appendix 12.
4.5  Housing Survey Results
    In the above sections, the processes used for determining the costs
for maintenance, insurance, utilities, real estate taxes, rents, and
homeowner mortgages were described. Appendix 13 shows the cost of each
of these items for renters and homeowners in each allowance area and in
the Washington, DC, area.
    Appendix 14 compares the total cost of these items by income level
in each allowance area with the total cost of the same items by income
level in the Washington, DC, area. Again, there are separate
comparisons for renters and homeowners.
    The final housing-cost comparisons take the form of indexes that
are used in Appendix 20 to derive the total, overall index for owners
and renters. (Refer to Section 2.6 for a discussion of the general
formulae and how the component indexes are combined.)

5. Transportation

5.1  Component Overview
    The transportation component consists of two categories: Automobile
Expense and Other Transportation Costs. The Automobile Expense Category
reflects costs relating to owning and operating a car in each area. The
Other Transportation Costs Category is represented by the cost of air
travel from each location to a common point within the contiguous 48
states.
5.2  Private Transportation Methodology
    As was done in previous surveys, JFA analyzed automobile
transportation costs for three commonly purchased vehicles: a domestic
auto, an import auto, and a utility vehicle. New car costs were used
for these analyses because it was believed that pricing used vehicles
of equivalent quality in each area could introduce inconsistencies
because of the value judgements that would be required.
5.2.1  Vehicle Selection and Pricing
    The three vehicles selected for analysis were:

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

    These are the same models that were surveyed in previous years and
were selected based on their popularity in the United States as
demonstrated by owner registration data.
    For each model car, JFA collected new vehicle prices at dealerships
in each area and from secondary sources, such as the Kelly Blue Book.
All prices were based on the manufacturers' suggested retail prices
(MSRP) for 1994. (OPM did not believe it was feasible to collect
information on the negotiated price for these vehicles.) All vehicles
were equipped with standard options, such as automatic transmission,
AM/FM stereo radio and air conditioning.
    In addition to the MSRP, the price included additional charges such
as shipping, dealer preparation, additional dealer markup, excise tax,
sales tax, and any other one-time taxes or charges. In Hawaii, for
example, documentation fees were also included as part of the new-
vehicle costs.
    Rustproofing was priced in all areas, including the Washington, DC,
area. In previous surveys, the contractor found that auto dealers in
the DC area did not recommend vehicle rustproofing, although it was a
commonly suggested option in the allowance areas. This year, the
information collected suggested that rustproofing was a commonly
offered option in all areas. Therefore, OPM directed JFA to include the
cost of rustproofing in the DC area as well as the allowance areas.

[[Page 61342]]

5.2.2  Vehicle Trade Cycle
    Calculating the cost of owning and operating a vehicle requires
knowing the miles driven and how long the car is owned. In the
automobile industry, these two factors are known collectively as a
vehicle's ``trade cycle.'' The trade cycle is stated as a length of
time (in months or years) and the total number of miles driven in that
time period. This information is used in the model to compute annual
costs related to fuel, oil, tires, maintenance, and depreciation.
    As with the previous living-cost analyses, JFA used a four-year,
60,000-mile trade cycle in all areas. This was based upon the following
information:

--The Internal Revenue Service uses this trade cycle to compute the
allowable cents-per-mile reimbursement rate for persons who drive their
personal vehicle for business purposes;
--The four-year time period coincides with the typical length of a
vehicle loan; and
--U.S. Department of Energy statistics for 1988 show that the annual
average for number of vehicle miles driven in the United States was
18,595 per household and 10,246 miles per vehicle.
5.2.3  Fuel Performance and Type
    All vehicles included in this study used regular unleaded fuel. JFA
surveyed self-service cash prices of unleaded regular gasoline at name-
brand gas stations in each area.
    To establish average fuel-performance ratings, the COLA model uses
the ``city driving'' figures published by the U.S. Environmental
Protection Agency (EPA). The ``city'' instead of ``highway'' figures
are used because all locations contained considerable stop-and-go
driving conditions.
    As in previous COLA surveys, JFA included in its analysis the
following fuel-performance factors: temperature, road surface, and
gradient. These factors are based on research previously conducted for
OPM. This research and the factors are discussed below.
5.2.3.1  Impact of Temperature Upon Fuel Performance
    Gas mileage is affected by temperature. The lower the temperature,
the fewer miles-per-gallon achieved and vice versa. According to the
EPA's Passenger Car Fuel Economy: EPA and Road, the temperature at
which no adjustments to fuel performance occur is 77 deg.F. Below that
temperature, miles-per-gallon achieved drops; above 77 deg. miles-per-
gallon achieved improves. The model uses the average monthly
temperatures for each allowance area and the Washington, DC, area as
reported in The Weather Almanac, published by Ruffner and Blair.
    For each location and month, the model uses the appropriate factor
from the EPA study based on the average monthly temperature for the
area. These factors are then averaged to derive a single overall factor
for each location. The results of these calculations are shown in
section 5.2.3.4.
5.2.3.2  Impact of Road Surface Upon Fuel Performance
    For the model, it is assumed that Federally controlled roadways are
typically composed of concrete and/or highload asphalt and that locally
controlled roadways are typically composed of low-load asphalt. EPA's
research indicates that cars are generally more fuel-efficient on the
firmer, high-load surfaces than on the softer, low-load surfaces.
    Although traffic patterns and road usage vary among areas, previous
research conducted for OPM produced no relevant findings regarding this
issue. Therefore, the model uses the assumption that Federally
controlled roadways generally support twice the traffic of, or are used
at least twice as much as, locally controlled roadways.
    In each allowance area, the total mileage falling into either the
Federal or local categories was collected. For example, Hawaii contains
1,456 miles of Federally controlled roads and 2,606 miles of locally
controlled roads. The usage assumption increased Federal road mileage
by a factor of two.
    The average low-load asphalt factor (which reflects dry, wet, and
snowy conditions) is applied to the local mileage percentage, and the
average concrete and/or high-load asphalt factor is applied to the
Federal mileage percentage to produce a weighted average factor for
each area. The weighted factor is 0.98 for the allowance areas. The
Washington, DC, area is assigned a factor of 1.00 on the premise that
the vast majority of traffic in that area travels on dry, high-load
surfaces. The application of these factors is described in section
5.2.3.4.
5.2.3.3  Impact of Gradient Upon Fuel Performance
    The effect of gradient on gas mileage is also estimated from EPA's
Passenger Car Fuel Economy: EPA and Road. Local topography (i.e.,
gradient) affects fuel efficiency. EPA provides mileage factors based
upon various gradients ranging from less than 0.5% (essentially flat)
to greater than 6% (steep).
    In research previously conducted for OPM, the contractor reviewed
the topographic features of each area and found a wide range of road
conditions. However, the contractor was unable to find relevant
information on the types of terrain drivers typically encounter in each
area or the number of miles drivers travel in each type of terrain.
Lacking such information, the contractor assumed that drivers in the
allowance areas generally traveled roads having approximately the same
gradients that are found on average in the United States.
    Applying the information from EPA's research, a fuel-performance
factor of 0.981 was computed for this type of driving. This factor was
assigned to each allowance area. For the Washington, DC, area, a factor
of 1.00 was used on the premise that the vast majority of traffic in
that area travels on major freeways and highways that are relatively
flat. The application of these factors is described in the next
section.
5.2.3.4   Overall Impact Upon Fuel Performance
    JFA applied the factors described above to make adjustments to the
average gas mileage ratings for each type of automobile surveyed for
each allowance area and for the Washington, DC, area. The adjustment
factors compound--that is, the total adjustment is the result of
multiplying the three individual factors together for each area.
    In the table below, the factor 1.00 means that no adjustment to EPA
fuel performance is appropriate. A factor of less than 1.00 means that
the estimated gasoline mileage in the area is less than the EPA
average. For example, the total adjustment factor for Guam is 0.95.
This means that the estimated gasoline mileage in Guam is 95% of the
EPA estimated average. Note that the adjustment factor for the DC area
(0.94) indicates that average gasoline mileage in that area is also
below the EPA estimate.



[[Page 61343]]
                               Table 5-1.--Summary of Fuel-Performance Adjustments
----------------------------------------------------------------------------------------------------------------
                                                                               Road
                          Location                            Temperature    surface      Gradient      Total
----------------------------------------------------------------------------------------------------------------
Hawaii......................................................         0.99         0.98         0.98         0.95
Guam........................................................         0.99         0.98         0.98         0.95
Puerto Rico.................................................         1.01         0.98         0.98         0.97
Virgin Islands..............................................         1.01         0.98         0.98         0.97
Washington, DC..............................................         0.94         1.00         1.00         0.94
----------------------------------------------------------------------------------------------------------------

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

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

    Where appropriate, the automobile manufacturers' recommended
maintenance schedules were used to determine the frequency of
performing each of these maintenance jobs. Maintenance schedules vary,
depending on the driving conditions typically encountered. Consistent
with the assumptions used for fuel economy and tire mileage, it was
assumed that driving conditions in the allowance areas are generally
severe, and the maintenance schedules used reflected that kind of
driving. For the DC area, it was assumed that driving conditions were
normal, and the maintenance schedules used for that area reflected that
kind of driving.
    The recommended frequency of performing each of these jobs was
combined with the prices charged by local dealers and service stations
to compute an estimated annual maintenance expense. As with previous
surveys, JFA collected specific parts costs and hourly labor costs in
each location and used Chilton's Labor Guide and Parts Manual to
determine service times and parts required for each maintenance
procedure.
5.2.5  Tires
    Research previously conducted for OPM revealed that various factors
(e.g., road quality/state of repair, road composition) appeared to
reduce tread life (i.e., the average number of miles a tire is expected
to last) in the allowance areas compared with the Washington, DC, area.
Based on this research, the model uses tire expense based on a 40,000-
mile tread life in allowance areas and a 55,000-mile tread life in the
DC area.
    JFA priced the cost of a new set of tires, including mounting and
balancing and all applicable taxes, in each area. This cost was
converted into an annual cost by dividing the estimated number of
annual miles driven by the expected tread life and multiplying this by
the new tire price.
5.2.6  License and Registration Fees, and Miscellaneous Tax
    JFA obtained information regarding license registration fees and
personal property tax (where applicable). License and registration fees
were included as part of the annual cost of owning an automobile.
Personal property tax was computed for each year of the vehicle's four-
year trade cycle using the vehicle's estimated used-car value for each
year. The resulting four personal property tax values were then
averaged, and that average was included as part of the annual cost of
owning an automobile.
    As stated in section 5.2.1, sales and excise taxes were included in
the purchase price of the vehicle and were accounted for under the
annual vehicle purchase and finance costs.
5.2.7  Depreciation
    The single largest annual expense related to owning and operating a
new car is depreciation--the lost value of the vehicle as it ages and
is driven. Total depreciation is calculated by subtracting from the
purchase price the estimated residual value (used car value) four years
later. This value is then divided by 4 to produce an annual
depreciation amount.
    As described earlier, the new car price is the manufacturer's
suggested retail price plus any additional charges, such as shipping,
dealer prep, additional dealer markup, excise tax, and sales tax. As
was done in previous surveys, the used car value was based on
information from the Black Book Official Finance/Lease Guide for 1994.
Although this source only tracks prices of vehicles sold in the
contiguous 48 states, research performed by the previous OPM contractor
produced no conclusive evidence that used cars in allowance areas were
(on average) worth more or less than used cars in the DC area.
Therefore, consistent with previous surveys, the used car prices for
each make and model were held constant among the areas.
    It should be noted that identical residual values did not result in
identical depreciation amounts. Depreciation amounts were higher in the
allowance areas than in the Washington, DC, area because new car prices
are higher in the allowance areas.
5.2.8  Finance Expense
    For the model, it is assumed that new car purchases are financed.
Therefore, JFA surveyed banks in all areas to obtain their auto-loan
interest rates for a 48-month loan with 80 percent financing. The
finance cost for each vehicle in each area was computed and included in
the annual cost of owning and operating an automobile.
5.2.9  Vehicle Insurance
    JFA surveyed the cost of car insurance in each location. Consistent
with the previous year's survey, JFA used the following common
coverages, limits, and deductibles:

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


    In each survey area, JFA identified the common automobile insurance
companies and attempted to obtain three insurance price quotes for each
type of car surveyed. These quotes were averaged by type of car to
produce estimated insurance costs for each area.
    JFA found that some insurance companies in Hawaii and Kauai
Counties, Hawaii; Guam; Puerto Rico; and the Virgin Islands did not
offer the coverages, limits, and deductibles shown above. To allow the
comparison of the cost of these different policies with DC costs, OPM
directed JFA also to survey in the DC area the cost of insurance that
was comparable to that offered in these allowance areas. The cost of
these equivalent policies were then compared to derive adjustment
factors that could be applied to the cost of the standard coverages,
limits, and deductibles shown above. By applying

[[Page 61344]]
these factors to the DC area average price, the cost of equivalent
coverage was estimated for these particular allowance areas. The
factors and their derivation are shown in Appendix 16.
5.2.10  Overall Annual Costs
    As described above, JFA measured the annual costs for fuel,
maintenance and oil, tires, licensing, taxes, depreciation, finance,
and insurance for three types of automobiles in each allowance area and
in the Washington, DC, area. These costs were then summed to determine
the overall annual costs by area for owning and operating each type of
automobile. Appendix 15 shows these costs for each area by type of
vehicle.
5.3  Other Transportation Costs--Air Fares
    Air fares are the only item priced for the Other Transportation
Costs Category. For this item, JFA priced the lowest available round-
trip air fare from each allowance area and the Washington, DC, area to
Los Angeles, California. Los Angeles was selected because it is a
common point approximately equidistant from most of the allowance areas
and the Washington, DC, area. The cost of the trip from each allowance
area to Los Angeles was compared with the cost of the trip from the DC
area to Los Angeles to compute the category indexes. These fares are
shown in Appendix 17.
5.4  Transportation Component Analyses
    JFA compared the total cost of private auto transportation for each
vehicle in each allowance area with the total cost for the same vehicle
in the DC area. These comparisons are expressed as indexes and are
shown in Appendix 18. The indexes were then averaged to produce a
single Automobile Expense Category index for each allowance area.
    Likewise, JFA compared the cost of air fares for each area with
those for the DC area and computed a cost index. These indexes are also
shown in Appendix 18. That appendix also shows how the auto and air
transportation indexes are combined using expenditure weights derived
from the CES data to produce final transportation indexes.
    JFA used national average expenditure data to derive weights that
reflected how much consumers typically spend to own and operate an
automobile versus other transportation expenses. These weights were
used to combine the Automobile Expense Category index with the Other
Transportation Cost index by area to derive the overall Transportation
Component index for the area. The weights, computations, and final
indexes are also shown in Appendix 18. The Transportation Component
indexes are used in Appendix 20 to derive the total overall index.

6. Miscellaneous Expenses

6.1  Component Overview
    The Miscellaneous Expense component consists of three categories of
expenses:

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

    JFA used an approach similar to that used for the Goods and
Services Component to derive the indexes for each of these categories
and the Miscellaneous Component overall.
6.2  Component Weights
    JFA used CES data to determine the appropriate weights for each of
the items and categories in the Miscellaneous Component. The following
table shows the category weights. Item weights are shown in Appendix
19.

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

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

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

    JFA surveyed the cost of these items in both the allowance areas
and in the Washington, DC, area and compared the prices to produce an
index for each item in each area. JFA combined these indexes using CES
weights to produce a single Medical Care Category index for each area.
    It should be noted that for the model, it is assumed that the cost
of health insurance is constant among areas because the choice of
Federal health coverage is to a large extent a matter of personal
preference. Therefore, the index for this item is 100.00.
6.3.2  Contributions Category
    The index for the Contributions Category is the Goods and Services
Component index for the area. The Goods and Services index is used
based on the assumption that the relative level of contributions is
roughly equivalent to that reflected by the Goods and Services index.
6.3.3  Personal Insurance and Retirement Category
    The index for personal insurance and retirement contributions and
investments is assumed to be constant among areas. The cost of Federal
Employees Group Life Insurance is a matter of personal preference and
is constant in all areas for the same age, salary, and benefit option
combinations. Likewise, retirement contributions are a matter of
personal preference and the minimum contribution requirements are
constant among areas for equivalent salary levels.

[[Page 61345]]

6.4  Miscellaneous Expense Analyses
    As with the Goods and Services Component, the indexes for each of
the Miscellaneous Component categories are combined using CES weights
to produce a single component index for each area. These indexes are
shown in Appendix 19.
    Section 2.5 describes how the miscellaneous expense component
indexes are combined with the other component indexes to derive the
final index for each area.

7. Final Results

7.1  Total Comparative Cost Indexes
    The total comparative cost indexes appear below. Appendix 20 shows
how each index was derived from the component indexes.

                Table 7-1.--Final Cost Comparison Indexes
------------------------------------------------------------------------
                        Allowance area                           Index
------------------------------------------------------------------------
City and County of Honolulu, Hawaii..........................     119.56
Hawaii County, Hawaii........................................     112.56
Kauai County, Hawaii.........................................     116.35
Maui County, Hawaii..........................................     118.84
Guam/CNMI, Local Retail......................................     119.39
Guam/CNMI, Commissary/Exchange...............................     113.40
Puerto Rico..................................................      99.63
U.S. Virgin Islands..........................................    112.08
------------------------------------------------------------------------
CNMI=Commonwealth of the Northern Mariana Islands.

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

                             Appendix 2.--Multiple Survey Areas: Summer 1994 Survey
                           [Federal Employment Weights Within a Single Allowance Area]
----------------------------------------------------------------------------------------------------------------
                         Location                             1992       1993       1994     Average    Weights
----------------------------------------------------------------------------------------------------------------
Hawaii County:
    Hilo, HI.............................................        243        250        292        262      83.17
    Kailua Kona, HI......................................         47         52         60         53      16.83
                                                          ------------------------------------------------------
      Total..............................................  .........  .........  .........        315     100.00
                                                          ======================================================
Puerto Rico:
    San Juan, PR.........................................       5074       5135       5235       5148      88.90
    Mayaguez, PR.........................................        625        606        698        643      11.10
                                                          ------------------------------------------------------
      Total..............................................  .........  .........  .........       5791     100.00
                                                          ======================================================
Virgin Islands:
    St. Croix, VI........................................        148        142        151        147      45.09
    St. Thomas, VI.......................................        180        190        166        179      54.91
                                                          ------------------------------------------------------
      Total..............................................  .........  .........  .........        326     100.00
----------------------------------------------------------------------------------------------------------------

                                   Multiple Income Levels: Summer 1994 Survey
                           [Federal Employment Weights Within a Single Allowance Area]
----------------------------------------------------------------------------------------------------------------
                Location and income level                     1992       1993       1994     Average    Weights
----------------------------------------------------------------------------------------------------------------
Honolulu, HI:
    Low..................................................       4789       4346       4239       4458      33.49
    Middle...............................................       4567       4540       4171       4426      33.25
    Upper................................................       4248       4344       4689       4427      33.26
                                                          ------------------------------------------------------
      Total..............................................  .........  .........  .........      13311     100.00
                                                          ======================================================

[[Page 61346]]

Hawaii County, HI:
    Low..................................................        129        122        165        139      37.87
    Middle...............................................        133        145        154        144      39.24
    Upper................................................         77         85         91         84      22.89
                                                          ------------------------------------------------------
      Total..............................................  .........  .........  .........        367     100.00
                                                          ======================================================
Kauai County, HI:
    Low..................................................         53         71         81         68      28.57
    Middle...............................................         94         94         84         91      38.24
    Upper................................................         71         78         89         79      33.19
                                                          ------------------------------------------------------
      Total..............................................  .........  .........  .........        238     100.00
                                                          ======================================================
Maui County, HI:
    Low..................................................         29         37         39         35      24.65
    Middle...............................................         61         56         56         58      40.84
    Upper................................................         44         51         51         49      34.51
                                                          ------------------------------------------------------
      Total..............................................  .........  .........  .........        142     100.00
                                                          ======================================================
Guam:
    Low..................................................       1010       1061       1060       1044      48.31
    Middle...............................................        650        696        681        676      31.28
    Upper................................................        387        437        498        441      20.41
                                                          ------------------------------------------------------
      Total..............................................  .........  .........  .........       2161     100.00
                                                          ======================================================
Puerto Rico:
    Low..................................................       2535       2330       2428       2431      41.91
    Middle...............................................       2133       2287       2184       2201      37.94
    Upper................................................       1047       1140       1321       1169      20.15
                                                          ------------------------------------------------------
      Total..............................................  .........  .........  .........       5801     100.00
                                                          ======================================================
Virgin Islands:
    Low..................................................        125        128        114        122      37.54
    Middle...............................................        139        133        128        133      40.92
    Upper................................................         64         71         75         70      21.54
                                                          ------------------------------------------------------
      Total..............................................  .........  .........  .........        325     100.00
----------------------------------------------------------------------------------------------------------------

                                    Appendix 3.--Consumer Expenditure Surveys
                             [Pre-published Data for All Consumer Units Nationwide*]
----------------------------------------------------------------------------------------------------------------
                                                                           Total complete reporting
                                                             ---------------------------------------------------
                                                                  1988         1991         1992       Average
----------------------------------------------------------------------------------------------------------------
Average Before Tax Income...................................    28,540.00    33,901.00    33,854.00    32,098.33
Average annual expenditures.................................    26,389.07    30,487.29    30,527.49    29,134.62
  Food......................................................     3,804.39     4,366.88     4,358.56     4,176.61
    Food at home............................................     2,176.94     2,724.89     2,684.35     2,528.73
      Cereals and bakery products*..........................       317.03       413.81       418.15       383.00
        Cereals and cereal products*........................       111.15       149.01       144.15       134.77
          Flour*............................................         4.83         6.61         7.21         6.22
          Prepared flour mixes*.............................         9.88        14.67        13.62        12.72
          Ready-to-eat and cooked cereals*..................        73.49        90.13        88.39        84.00
          Rice*.............................................         7.98        14.49        12.67        11.71
          Pasta, cornmeal and other cereal products*........        14.97        23.11        22.27        20.12
        Bakery products*....................................       205.88       264.80       274.00       248.23
          Bread*............................................        65.72        76.98        77.58        73.43
            White bread*....................................        35.48        38.93        38.04        37.48
            Bread, other than white*........................        30.24        38.04        39.54        35.94
          Crackers and cookies*.............................        51.76        65.09        67.10        61.32
            Cookies*........................................        32.19        41.15        40.75        38.03
            Crackers*.......................................        19.57        23.94        26.34        23.28
          Frozen and refrigerated bakery products*..........        13.55        19.33        21.06        17.98
          Other bakery products*............................        74.84       103.40       108.27        95.50
            Biscuits and rolls*.............................        26.62        34.12        35.55        32.10

[[Page 61347]]

            Cakes and cupcakes*.............................        20.31        29.49        31.67        27.16
            Bread and cracker products*.....................         2.82         4.14         4.70         3.89
            Sweetrolls, coffee cakes, doughnuts*............        19.60        24.05        24.93        22.86
            Pies, tarts, turnovers*.........................         5.48        11.61        11.41         9.50
      Meats, poultry, fish, and eggs*.......................       560.01       725.06       687.17       657.41
        Beef*...............................................       183.66       238.59       210.36       210.87
          Ground beef*......................................        79.09        89.66        87.67        85.47
          Roast*............................................        33.40        42.62        37.74        37.92
            Chuck roast*....................................        13.23        16.81        13.48        14.51
            Round roast*....................................         9.13        12.63        12.96        11.57
            Other roast*....................................        11.04        13.18        11.30        11.84
          Steak*............................................        59.01        87.83        69.00        71.95
            Round steak*....................................        11.62        16.56        14.63        14.27
            Sirloin steak*..................................        12.96        23.58        17.72        18.09
            Other steak*....................................        34.42        47.68        36.65        39.58
          Other beef*.......................................        12.17        18.47        15.95        15.53
        Pork*...............................................       114.19       146.62       155.56       138.79
          Bacon*............................................        20.23        21.28        20.47        20.66
          Pork chops*.......................................        27.10        35.26        34.88        32.41
          Ham*..............................................        27.43        38.92        42.73        36.36
            Ham, not canned*................................        24.47        35.84        38.98        33.10
            Canned ham*.....................................         2.96         3.08         3.75         3.26
          Sausage*..........................................        16.60        21.01        23.29        20.30
          Other pork*.......................................        22.83        30.15        34.19        29.06
        Other meats*........................................        83.61       102.91        94.58        93.70
          Frankfurters*.....................................        17.37        23.87        21.19        20.81
          Lunch meats (cold cuts)*..........................        58.88        70.13        63.56        64.19
            Bologna, liverwurst, salami*....................        19.11        23.75        22.91        21.92
            Other lunchmeats*...............................        39.78        46.39        40.65        42.27
          Lamb, organ meats and others*.....................         7.36         8.91         9.84         8.70
            Lamb and organ meats*...........................         6.17         7.89         8.74         7.60
            Mutton, goat and game*..........................         1.19         1.02         1.10         1.10
        Poultry*............................................        85.49       123.67       123.39       110.85
          Fresh and frozen chickens*........................        66.41        92.17        91.28        83.29
            Fresh whole chicken*............................        17.24        24.27        19.61        20.37
            Fresh and frozen chicken parts*.................        49.17        67.90        71.67        62.91
          Other poultry, incl. whole frozen chickens*.......        19.08        31.50        32.10        27.56
        Fish and seafood*...................................        65.24        81.51        74.99        73.91
          Canned fish and seafood*..........................        17.95        18.40        17.46        17.94
          Fresh and frozen shellfish*.......................        14.98        25.27        21.36        20.54
          Fresh and frozen finfish*.........................        32.31        37.83        36.17        35.44
        Eggs*...............................................        27.83        31.77        28.30        29.30
      Dairy products*.......................................       277.91       306.57       307.10       297.19
        Fresh milk and cream*...............................       134.41       134.72       136.59       135.24
          Whole milk*.......................................        52.12        49.88        47.69        49.90
          Other milk and cream*.............................        82.29        84.84        88.90        85.34
        Other dairy products*...............................       143.50       171.85       170.52       161.96
          Butter*...........................................         8.89        10.62         9.71         9.74
          Cheese*...........................................        79.01        90.15        87.72        85.63
          Ice cream and related products*...................        41.68        50.47        51.93        48.03
          Miscellaneous dairy products*.....................        13.93        20.61        21.16        18.57
      Fruits and vegetables*................................       376.38       437.70       435.20       416.43
        Fresh fruits*.......................................       120.98       132.65       129.17       127.60
          Apples*...........................................        21.57        26.69        26.64        24.97
          Bananas*..........................................        20.65        27.62        26.48        24.92
          Oranges*..........................................        10.98        12.28        13.23        12.16
          Other fresh fruits*...............................        67.78        66.06        62.82        65.55
        Fresh vegetables*...................................       110.67       131.09       127.84       123.20
          Potatoes*.........................................        16.61        25.25        24.56        22.14
          Lettuce*..........................................        13.73        15.51        16.33        15.19
          Tomatoes*.........................................        14.87        21.64        19.85        18.79
          Other fresh vegetables*...........................        65.47        68.69        67.10        67.09
        Processed fruits*...................................        86.81        99.35       102.67        96.28
          Frozen fruits and fruit juices*...................        19.59        22.09        21.35        21.01
            Frozen orange juice*............................        14.43        14.09        13.34        13.95
            Other frozen fruits and juices*.................         5.16         7.99         8.01         7.05
          Canned and dried fruits*..........................        21.22        24.23        23.48        22.98
          Fresh, canned or bottled fruit juices*............        46.00        53.03        57.83        52.29
        Processed vegetables*...............................        57.92        74.61        75.53        69.35

[[Page 61348]]

          Frozen vegetables*................................        21.30        26.45        25.46        24.40
          Canned and dried vegetables and juices*...........        36.62        48.16        50.07        44.95
            Canned beans*...................................         6.64         9.26        10.09         8.66
            Canned corn*....................................         4.21         6.29         7.40         5.97
            Other canned and dried veg. and juices*.........        25.77        32.61        32.59        30.32
      Other food at home*...................................       645.61       841.75       836.73       774.70
        Sugar and other sweets*.............................        80.66       104.62       106.24        97.17
          Candy and chewing gum*............................        45.41        59.10        62.86        55.79
          Sugar*............................................        17.07        20.80        18.12        18.66
          Artificial sweeteners*............................         2.36         3.23         3.24         2.94
          Jams, preserves, other sweets*....................        15.82        21.48        22.02        19.77
        Fats and oils*......................................        56.65        73.12        73.79        67.85
          Margarine*........................................        11.96        14.31        14.56        13.61
          Other fats, oils, and salad dressing*.............        31.66        39.96        40.94        37.52
          Nondairy cream and imitation milk*................         4.49         6.56         6.75         5.93
          Peanut butter*....................................         8.54        12.30        11.53        10.79
        Miscellaneous foods*................................       272.98       387.81       393.26       351.35
          Frozen prepared foods*............................        46.13        71.21        73.99        63.78
            Frozen meals*...................................        16.75        25.00        22.99        21.58
            Other frozen prepared foods*....................        29.39        46.21        51.01        42.20
          Canned and packaged soups*........................        21.41        26.23        25.44        24.36
          Potato chips, nuts, and other snacks*.............        59.78        78.66        78.63        72.36
            Potato chips and other snacks*..................        46.79        62.03        62.34        57.05
            Nuts*...........................................        12.99        16.63        16.29        15.30
          Condiments and seasonings*........................        61.52        87.93        90.44        79.96
            Salt, spices, other seasonings*.................        12.31        19.15        20.79        17.42
            Olives, pickles, relishes*......................         7.62        11.05        10.82         9.83
            Sauces and gravies*.............................        31.62        42.03        43.55        39.07
            Baking needs and misc. products.................         9.97        15.71        15.29        13.66
          Other canned and packaged prepared foods*.........        84.14       123.78       124.75       110.89
            Salads and desserts*............................        13.23        17.87        20.42        17.17
            Baby food*......................................        16.25        23.56        24.11        21.31
            Miscellaneous prepared foods*...................        54.66        82.35        80.22        72.41
        Nonalcoholic beverages*.............................       204.37       233.06       219.33       218.92
          Cola*.............................................        92.19        92.26        86.71        90.39
          Other carbonated drinks*..........................        32.62        39.32        40.41        37.45
          Coffee*...........................................        40.93        42.59        40.13        41.22
            Roasted coffee*.................................        25.27        23.35        24.56        25.06
            Instant and freeze dried coffee*................        15.66        17.24        15.57        16.16
          Noncarbonated fruit flavored drinks*..............        16.30        25.74        20.15        20.73
          Tea*..............................................        11.18        14.66        14.26        13.37
          Nonalcoholic beer*................................           NA           NA           NA           NA
          Other nonalcoholic beverages*.....................        11.15        18.51        17.68        15.78
        Food prepared by consumer unit on out-of-town trips.        30.94        43.13        44.12        39.40
    Food away from home.....................................     1,627.45     1,641.99     1,674.21     1,647.88
      Meals at restaurants, carry-outs and other*...........     1,275.77     1,300.05     1,344.40     1,306.74
        Lunch*..............................................       499.88       463.89       476.89       480.22
        Dinner*.............................................       549.30       601.50       619.67       590.16
        Snacks and nonalcoholic beverages*..................       142.56       133.59       141.35       139.17
        Breakfast and brunch*...............................        84.04       101.08       106.49        97.20
      Board (including at school)...........................        43.62        43.00        46.92        44.51
      Catered affairs.......................................        41.27        46.07        40.77        42.70
      Food on out-of-town trips.............................       195.31       178.84       167.14       180.43
      School lunches........................................        42.24        46.89        47.40        45.51
      Meals as pay..........................................        29.24        27.13        27.58        27.98
    Alcoholic beverages.....................................       281.70       313.94       321.12       305.59
      At home*..............................................       148.36       166.77       177.01       164.05
        Beer and ale*.......................................        89.05        87.98        99.54        92.19
        Whiskey*............................................        12.73        17.07        14.23        14.68
        Wine*...............................................        32.15        45.33        43.11        40.20
        Other alcoholic beverages*..........................        14.43        16.38        20.13        16.98
      Away from home........................................       133.34       147.17       144.11       141.54
        Beer and ale*.......................................        37.50        46.76        48.77        44.34
        Wine*...............................................        18.54        25.57        22.95        22.35
        Other alcoholic beverages*..........................        58.12        46.66        47.06        50.61
        Alcoholic beverages purchased on trips..............        19.17        28.19        25.34        24.23
  Housing...................................................     8,069.13     9,325.13     9,528.41     8,974.22
    Shelter.................................................     4,470.25     5,208.28     5,431.78     5,036.77
      Owned dwellings.......................................     2,554.04     3,279.50     3,307.24     3,046.93

[[Page 61349]]

        Mortgage interest and charges.......................     1,560.48     1,951.95     1,984.40     1,832.28
          Mortgage interest.................................     1,560.38     1,880.31     1,856.78     1,765.82
          Interest paid, home equity loan...................           NA        33.34        63.99        48.67
          Interest paid, home equity line of credit.........           NA        37.94        63.32        50.63
          Prepayment penalty charges........................         0.10         0.36         0.31         0.26
        Property taxes......................................       496.08       767.69       760.97       674.91
        Maintenance, repairs, insurance, and other expenses.       497.48       559.86       561.86       539.73
          Homeowners and related insurance..................       151.74       164.20       176.37       164.10
            Fire and extended coverage......................         4.98         3.84         5.02         4.61
            Homeowners insurance............................       146.76       160.36       171.35       159.49
          Ground rent.......................................        26.88        33.78        33.40        31.35
          Maintenance and repair services...................       252.68       278.55       268.09       266.44
            Painting and papering...........................        52.01        39.24        37.27        42.84
            Plumbing an water heating.......................        23.06        31.48        34.02        29.52
            Heat, a/c, electrical work......................        42.03        45.96        53.14        47.04
            Roofing and gutters.............................        46.96        54.11        40.98        47.35
            Other repair and maintenance services...........        78.78        99.93        91.16        89.96
            Repair and replacement of hard surface flooring.         8.14         6.47        10.16         8.26
            Repair of built-in appliances...................         1.68         1.36         1.36         1.47
          Maintenance and repair commodities................        65.41        69.18        63.89        66.16
            Paints, wallpaper and supplies..................        17.47        16.27        16.50        16.75
            Tools and equipment for painting and
             wallpapering...................................         1.88         1.75         1.77         1.80
            Plumbing supplies and equipment.................         5.65         7.65         5.96         6.42
            Electrical supplies, heating and cooling
             equipment......................................         3.76         3.44         7.13         4.78
            Materials for hard surface flooring, repair and
             replac.........................................         1.85         2.17         3.13         2.38
            Materials and equipment for roof and gutters....         5.18         6.61         6.20         6.00
            Materials for plaster., panel., siding, wind.,
             doors, screens, awn............................        11.08        10.86         7.29         9.74
            Materials for patio, walk, fence, drive.,
             mason., brick, stucco work.....................         2.12         0.55         0.67         1.11
            Materials for landscaping maintenance...........         2.52         1.77         1.15         1.81
            Miscellaneous supplies and equipment............        13.89        18.11        14.08        15.36
              Material for insulation, other maint., and
               repair.......................................         7.87        12.55         7.84         9.42
              Materials to finish base., remodel rooms or
               build patios, walks, etc.....................         6.02         5.56         6.24         5.94
          Property management and security..................         0.74        13.44        20.12        11.43
            Property management.............................         0.64         8.61        13.24         7.50
            Management and upkeep services for security.....         0.10         4.84         6.88         3.94
          Parking...........................................         0.04         0.70           NA         0.37
      Rented dwellings......................................     1,469.41     1,609.43     1,787.19     1,622.01
        Rent................................................     1,428.30     1,538.23     1,714.30     1,560.28
        Rent as pay.........................................        17.34        44.87        37.09        33.10
        Maintenance, insurance and other expenses...........        23.76        26.33        35.80        28.63
          Tenant's insurance................................         8.68         9.76         9.16         9.20
          Maintenance and repair services...................         9.01         9.96        11.88        10.28
            Repair or maintenance service...................         8.62         9.49        11.52         9.88
            Repair and replacement of hard surface flooring.         0.36         0.38         0.29         0.34
            Repair of built-in appliances...................         0.03         0.08         0.07         0.06
          Maintenance and repair commodities................         6.07         6.61        14.76         9.15
            Paint, wallpaper, and supplies..................         1.19         2.07         1.70         1.65
            Tools and equipment for painting and
             wallpapering...................................         0.13         0.22         0.18         0.18
            Materials for plastering, panels, roofing,
             gutters, etc...................................         0.68         0.43         2.86         1.32
            Materials for patio, walk, fence, drive,
             masonry, brick and stucco work.................         0.02         0.02         0.04         0.03
            Plumbing supplies and equipment.................         0.38         0.25         0.55         0.39
            Electrical supplies, heating and cooling
             equipment......................................         0.92         0.34         0.26         0.51
            Miscellaneous supplies and equipment............         1.84         2.17         7.71         3.91
              Material for insulation, other maintenance and
               repair.......................................         0.58         0.82         1.51         0.97
              Termite and pest control (capital improvement)         0.00           NA           NA         0.00
              Materials for additions, finishing base.,
               remodeling rooms.............................         1.08         1.34         5.90         2.77
              Construction materials for jobs not started...         0.18         0.01         0.30         0.16
            Material for hard surface flooring..............         0.14         0.59         0.90         0.54
            Material for landscape maintenance..............         0.76         0.53         0.55         0.61
      Other lodging.........................................       446.79       319.35       337.35       367.83
        Owned vacation homes................................        78.26        92.13       115.29        95.23
          Mortgage interest and charges.....................           NA        39.20        54.55        46.88
            Mortgage interest...............................        48.65        38.93        50.60        46.06
            Interest paid, home equity loan.................           NA         0.02         1.06         0.54
            Interest paid, home equity line of credit.......           NA         0.26         2.88         1.57
            Prepayment penalty charge.......................         0.00           NA           NA         0.00
          Property taxes....................................        16.90        37.77        42.04        32.24
          Maintenance, insurance, and other expenses........        12.71        15.17        18.70        15.53
            Homeowners and related insurance................         3.07         3.79         4.10         3.65

[[Page 61350]]

              Homeowners insurance..........................         3.04         3.65         3.86         3.52
              Fire and extended coverage....................         0.03         0.14         0.24         0.14

            Maintenance and repair services.................         5.52         5.25         7.53         6.10
              Repair and remodeling services................         5.52         5.14         7.39         6.02
              Repair and replacement of hard surface
               flooring.....................................         0.00         0.11         0.15         0.09
            Maintenance and repair commodities..............         0.39         0.53         1.97         0.96
              Paints, wallpaper, supplies...................         0.08         0.15         1.31         0.51
              Tools and equipment for painting and
               wallpapering.................................         0.01         0.02         0.14         0.06
              Materials for plaster., panel., roof.,
               gutters, downspouts, sid., wind., door,......         0.05         0.05         0.07         0.06
              Material for patio, walk, fence, drive,
               masonry, brick, stucco.......................         0.00         0.00         0.01         0.00
              Plumbing supplies and equipment...............         0.02         0.05         0.32         0.13
              Electrical supplies, heating and cooling
               equipment....................................         0.01         0.09         0.03         0.04
              Miscellaneous supplies and equipment..........         0.01         0.12         0.09         0.07
                Material for insulation, other maintenance
                 and repair.................................         0.01         0.04         0.09         0.05
                Material for finishing basements and
                 remodeling rooms...........................         0.00         0.08           NA         0.04
              Materials for hard surface flooring...........         0.20           NA           NA         0.20
              Materials for landscaping maintenance.........         0.00         0.06           NA         0.03
            Property management and security................         0.40         3.19         3.35         2.31
              Property management...........................         0.40         1.96         2.25         1.54
              Management and upkeep services for security...         0.00         1.23         1.10         0.78
            Parking.........................................         0.00         0.09           NA         0.05
      Housing while attending school........................        35.48        59.66        54.71        49.95
      Lodging on out-of-town trips..........................       178.58       167.56       167.34       171.16
  Utilities, fuels, and public services.....................     1,726.29     1,961.13     1,962.49     1,883.30
    Natural gas.............................................       232.22       240.89       246.97       240.03
      Utility-natural gas (renter)..........................        50.85        50.96        55.98        52.60
      Utility-natural gas (owned home)......................       180.07       189.11       189.86       186.35
      Utility-natural gas (owned vacation)..................         1.22         0.82         1.07         1.04
      Utility-natural gas (rented vacation).................         0.08           NA         0.06         0.07
    Electricity.............................................       700.08       791.57       770.65       754.10
      Electricity (renter)..................................       169.94       189.36       201.59       186.96
      Electricity (owned home)..............................       524.87       595.84       562.26       560.99
      Electricity (owned vacation)..........................         5.03         6.00         6.59         5.87
      Electricity (rented vacation).........................         0.25         0.37         0.20         0.27
    Fuel oil and other fuels................................        94.02       103.30        93.93        97.08
      Fuel oil..............................................        55.60        62.83        55.61        58.01
        Fuel oil (renter)...................................         5.21         5.61         7.00         5.94
        Fuel oil (owned home)...............................        49.96        56.67        48.25        51.63
        Fuel oil (owned vacation)...........................         0.38         0.51         0.36         0.42
        Fuel oil (rented vacation)..........................         0.06         0.04           NA         0.05
      Coal..................................................         3.50         4.66         2.50         3.55
        Coal (renter).......................................         0.55         0.26         0.05         0.29
        Coal (owned home)...................................         2.95         4.38         2.44         3.26
        Coal (owned vacation)...............................         0.00         0.02         0.02         0.01
        Coal (rented vacation)..............................         0.00           NA           NA         0.00
      Bottled gas...........................................        24.48        27.47        27.18        26.38
        Gas, btld/tank (renter).............................         3.78         4.19         4.79         4.25
        Gas, btld/tank (owned home).........................        18.58        21.14        20.75        20.16
        Gas, btld/tank (owned vacation).....................         2.12         2.11         1.64         1.96
        Gas, btld/tank (rented vacation)....................         0.00         0.02           NA         0.01
      Wood and other fuels..................................        10.43         8.35         8.64         9.14
        Wood/other fuels (renter)...........................         1.31         1.37         1.59         1.42
        Wood/other fuels (owned home).......................         9.05         6.92         6.71         7.56
        Wood/other fuels (owned vacation)...................         0.06         0.05         0.34         0.15
        Wood/other fuels (rented vacation)..................         0.00           NA           NA         0.00
      Telephone services....................................       528.79       608.50       619.87       585.72
        Telephone (old).....................................           NA        48.22         0.00        24.11
        Telephone services in home city, excluding mobile
         car phones.........................................           NA       560.28       619.87       590.08
        Telephone services for mobile car phones............           NA           NA           NA           NA
      Water and other public services.......................       171.19       216.87       231.08       206.38
        Water and sewerage maintenance......................       131.02       159.33       160.22       150.19
          Water/sewer maint. (renter).......................        18.53        22.04        24.38        21.65
          Water/sewer maint. (owned home)...................       111.57       136.19       133.69       127.15
          Water/sewer maint. (owned vacation)...............         0.83         1.09         2.10         1.34
          Water/sewer maint. (rented vacation)..............         0.09         0.01         0.05         0.05
        Trash and garbage collection........................        38.67        55.90        69.38        54.65
          Trash/garb. coll. (renter)........................         5.28         7.26         7.37         6.64

[[Page 61351]]

          Trash/garb. coll. (owned home)....................        33.31        47.64        59.92        46.96
          Trash/garb. coll. (owned vacation)................         0.08         1.00         2.09         1.06
          Trash/garb. coll. (rented vacation)...............         0.00           NA         0.01         0.01
        Septic tank cleaning................................         1.50         1.65         1.47         1.54
          Septic tank clean. (renter).......................         0.01         0.07         0.11         0.06
          Septic tank clean. (owned home)...................         1.48         1.57         1.29         1.45
          Septic tank clean. (owned vacation)...............         0.00         0.01         0.07         0.03
          Septic tank clean. (rented vacation)..............         0.00           NA           NA         0.00
      Household operations..................................       387.45       451.97       487.20       442.21
        Personal services...................................       176.53       224.86       253.05       218.15
          Babysitting.......................................        74.62        83.78        85.92        81.44
          Care for elderly, invalids, handicapped, etc......        11.66        26.56        43.92        27.38
          Day-care centers, nursery, and preschools.........        90.25       114.51       123.21       109.32
        Other household expenses............................       210.92       227.11       234.15       224.06
          Housekeeping services.............................        67.76        77.46        71.70        72.31
          Gardening, lawn care service......................        49.60        60.85        64.99        58.48
          Water softening service...........................         2.81         2.72         3.28         2.94
          Household laundry, dry cleaning, sent out
           (nonclothing) not coin operated..................         1.63         2.21         2.32         2.05
          Coin-operated household laundry and dry cleaning
           (nonclothing)....................................         4.78         4.91         5.58         5.09
          Other home services...............................        17.86        16.79        18.38        17.68
          Termite/pest control products.....................         0.20         0.22         0.29         0.24
          Moving, storage, freight express..................        26.46        22.73        24.37        24.52
          Appliance repair, including service center........        16.44        16.96        15.88        16.43
          Reupholstering, furniture repair..................        13.85        11.51        18.56        14.64
          Repair/rental of lawn/garden equip., hand/power
           tools, other house. equip........................         5.92         5.78         3.74         5.15
          Appliance rental..................................         2.08         1.28         1.86         1.74
          Rental of office equipment for nonbusiness use....         0.17         0.17         0.13         0.16
          Repair of miscellaneous household equipment and
           furnishings*.....................................         0.48         2.34         1.89         1.57
          Repair of computer systems for nonbusiness use....         0.88         1.19         1.19         1.09
          Rental/installation of dishwashers, range hoods,
           and garbage disposals............................         0.00           NA           NA         0.00
        Housekeeping supplies*..............................       382.82       451.34       462.61       432.26
          Laundry and cleaning supplies*....................       106.44       123.66       123.97       118.02
          Soaps and detergents*.............................        62.10        73.49        70.41        68.67
          Other laundry cleaning products*..................        44.33        50.17        53.56        49.35
        Other household products*...........................       157.48       197.81       211.79       189.03
          Cleansing and toilet tissue, paper towels and
           napkins*.........................................        52.12        62.60        60.52        58.41
          Miscellaneous household products*.................        67.89        91.22        94.75        84.62
          Lawn and garden supplies*.........................        37.47        44.00        56.52        46.00
        Postage and stationery*.............................       118.90       129.87       126.85       125.20
          Stationery, stationery supplies, giftwraps*.......        54.40        66.09        62.59        61.03
          Postage*..........................................        64.49        63.78        64.26        64.18
        Household furnishings and equipment.................     1,102.32     1,252.41     1,184.33     1,179.69
          Household textiles................................        97.11       107.35        94.56        99.67
            Bathroom linens*................................        13.69        24.61        15.62        17.97
            Bedroom linens*.................................        38.11        39.34        43.17        40.21
            Kitchen and dining room linens*.................         5.74         4.76         7.84         6.11
            Curtains and draperies..........................        26.56        18.09        19.11        21.25
            Silpcovers, decorative pillows..................         1.64         1.36         1.42         1.47
            Sewing material for slipcovers, curtains, other
             sewing mater, for the home*....................        10.32        18.17         6.54        11.68
            Other linens....................................         1.05         1.04         0.86         0.98
          Furniture.........................................       319.44       297.24       316.15       310.94
            Mattress and springs............................        41.86        35.82        38.97        38.88
            Other bedroom furniture.........................        39.75        46.24        57.57        47.85
            Sofas...........................................        65.44        65.48        70.67        67.20
            Living room chairs..............................        35.91        34.99        30.70        33.87
            Living room tables..............................        20.16        14.24        17.63        17.34
            Kitchen, dining room furniture..................        58.64        46.11        42.37        49.04
            Infants' furniture..............................         7.01         7.58         6.74         7.11
            Outdoor furniture...............................        12.57        13.59        11.02        12.39
            Occasional furniture............................        38.12        33.18        40.48        37.26
          Floor coverings...................................        70.23       128.97        61.08        86.76
            Wall-to-wall carpeting (renter).................         2.41         2.02         2.57         2.33
              Wall-to-wall carpet, installed (renter).......         1.73         1.56         2.05         1.78
              Wall-to-wall carpet, not installed carpet
               squares (renter).............................         0.68         0.46         0.52         0.55
            Wall-to-wall carpet (replacement) (owned home)..        42.57        34.99        29.06        35.54
              Wall-to-wall carpet, not installed (replace.),
               carp. squar. (owned home)....................         3.04         2.91         1.89         2.61
              Wall-to-wall carpet, installed (replacement)
               (owned home).................................        39.53        32.08        27.17        32.93
            Room size rugs and other floor covering,
             nonpermanent*..................................        25.25        91.96        29.45       48.89

[[Page 61352]]

          Major appliances..................................       172.90       131.98       144.89       149.92
            Dishwashers (built-in), garbage disposals, range
             hoods, (renter)................................         0.24         0.98         0.16         0.46
            Dishwashers (built-in), garbage disposals, range
             hoods, (owned home)............................        10.05         9.54         7.21         8.93
            Refrigerators, freezers (renter)................        11.18         7.51         8.38         9.02
            Refrigerators, freezers (owned home)............        39.29        25.85        33.30        32.81
            Washing machines (renter).......................         6.56         4.28         6.28         5.71
            Washing machines (owned home)...................        17.96        17.22        15.85        17.01
            Clothes dryers (renter).........................         4.18         2.34         3.35         3.29
            Clothes dryers (owned home).....................        10.35         7.05         9.78         9.06
            Cooking stoves, ovens (renter)..................         2.87         2.18         3.11         2.72
            Cooking stoves, ovens (owned home)..............        19.55        13.20        14.81        15.85
            Microwave ovens (renter)........................         4.47         2.09         3.09         3.22
            Microwave ovens (owned home)....................         9.81         4.85         4.74         6.47
            Portable dishwasher (renter)....................         0.31         0.14         0.11         0.19
            Portable dishwasher (owned home)................         1.33         0.24         1.15         0.91
            Window air conditioners (renter)................         2.43         1.12         1.18         1.58
            Window air conditioners (owned home)............         8.23         7.61         3.31         6.38
            Electric floor cleaning equipment...............        14.62        15.03        13.63        14.43
            Sewing machines.................................         6.08         5.19         5.15         5.47
            Miscellaneous household appliances*.............         3.39         5.56        10.29         6.41
          Small appliances, miscellaneous housewares........        60.51        83.38        86.46        76.78
            Housewares......................................        39.14        57.82        62.47        53.14
              Plastic dinnerware............................         1.83         1.79         1.61         1.74
              China and other dinnerware....................        10.31        11.56        11.60        11.16
              Flatware......................................         3.44         4.07         3.97         3.83
              Glassware*....................................         9.79         7.08        13.59        10.15
              Silver serving pieces*........................         0.27         3.83         1.35         1.82
              Other serving pieces..........................         1.36         1.78         1.59         1.58
              Nonelectric cookware*.........................        12.14        11.67        11.66        11.82
              Tableware, nonelectric kitchenware*...........           NA        16.02        17.08        16.55
            Small appliances................................        21.37        25.56        23.99        23.64
              Small electric kitchen appliances.............        14.17        18.05        18.75        16.99
              Portable heating and cooling equipment........         7.20         7.52         5.23         6.65
          Miscellaneous household equipment.................       382.11       503.48       481.19       455.59
            Window coverings................................        13.72        12.79        17.37        14.63
            Infants' equipment*.............................         3.77        10.62         5.52         6.64
            Laundry and cleaning equip.*....................         8.52         9.19        10.99         9.57
            Outdoor equipment...............................         4.73         6.20         4.83         5.25
            Clocks..........................................         5.46         4.45         3.38         4.43
            Lamps and lighting fixtures*....................        28.40        22.80        26.10        25.77
            Other household decorative items*...............        80.30       107.69       111.16        99.72
            Telephones and accessories*.....................         7.25        62.21        20.55        30.00
            Lawn and garden equipment.......................        49.12        39.58        43.15        43.95
            Power tools.....................................        14.39        13.25        16.15        14.60
            Small miscellaneous furnishings*................         3.39         5.23         1.15         3.26
            Hand tools*.....................................        13.67        11.71        14.07        13.15
            Indoor plants, fresh flowers*...................        41.42        57.80        53.49        50.90
            Closet and storage items*.......................         4.62         6.99        12.21         7.94
            Rental of furniture.............................         3.02         3.36         3.67         3.35
            Luggage.........................................         8.72         7.49         7.04         7.75
            Computers and computer hardware nonbusiness use.        39.86        63.64        63.66        55.72
            Computer software and accessories for
             nonbusiness use................................         7.36         8.69         9.48         8.51
            Telephone answering devices.....................         4.23         5.00         4.64         4.62
            Calculators.....................................         1.99         2.56         1.57         2.04
            Business equipment for home use.................         6.20         5.02         4.23         5.15
            Other hardware*.................................         6.95        11.83        13.74        10.84
            Smoke alarms (owned home).......................         0.54         0.38         0.47         0.46
            Smoke alarms (renter)...........................         0.15         0.09         0.06         0.10
            Smoke alarms (owned vacation)...................         0.00           NA           NA         0.00
            Other household appliances (owned home).........         4.25         4.63         4.40         4.43
            Other household appliances (renter).............         1.35         0.87         0.99         1.07
            Miscellaneous household equipment and parts*....        18.73        19.42        27.08        21.74
  Apparel and services......................................     1,537.27     1,801.23     1,732.90     1,690.47
    Men and boys............................................       400.67       448.88       436.86       428.80
      Men, 16 and over......................................       318.80       357.81       353.05       343.22
        Men's suits.........................................        41.20        39.20        43.98        41.46
        Men's sportcoats, tailored jackets..................        15.57        13.84        12.04        13.82
        Men's coats and jackets*............................        29.30        30.48        26.12        28.63
        Men's underwear*....................................         9.72        12.26        14.13        12.04

[[Page 61353]]

        Men's hosiery*......................................        10.34        12.60        13.73        12.22
        Men's nightwear*....................................         2.89         6.24         5.84         4.99
        Men's accessories*..................................        22.88        34.42        33.64        30.31
        Men's sweaters and vests............................        17.65        13.47        13.11        14.74
        Men's active sportswear.............................        12.10        12.15        11.96        12.07
        Men's shirts*.......................................        74.17        87.10        87.25        82.84
        Men's pants*........................................        70.76        77.09        70.18        72.68
        Men's shorts, shorts sets*..........................         8.29        13.53        16.40        12.74
        Men's uniforms......................................         3.16         5.00         3.70         3.95
        Men's costumes......................................         0.77         0.42         0.98         0.72
      Boys, 2 to 15.........................................        81.86        91.07        83.82        85.58
        Boys' coats and jackets*............................         9.48         4.36         5.73         6.52
        Boys' sweaters......................................         3.73         3.09         2.70         3.17
        Boys' shirts*.......................................        20.55        21.80        19.50        20.62
        Boys' underwear*....................................         1.55         4.96         4.89         3.80
        Boys' nightwear*....................................         2.79         2.21         2.83         2.61
        Boys' hosiery*......................................         3.99         4.97         4.26         4.41
        Boys' accessories*..................................         2.77         4.58         5.19         4.18
        Boys' suits, sportcoats, vests*.....................         3.00         0.51         2.13         1.88
        Boys' pants*........................................        24.70        24.72        19.41        22.94
        Boys' shorts, shorts sets*..........................         3.91        11.51         9.03         8.15
        Boys' uniforms, active sportwear....................         5.10         7.43         7.30         6.61
        Boys' costumes......................................         0.29         0.93         0.85         0.69
      Women and girls.......................................       608.90       724.73       703.40       679.01
        Women, 16 and over..................................       509.83       624.19       607.23       580.42
          Women's coats and jackets*........................        33.49        40.55        58.80        44.28
          Women's dresses*..................................        83.27       118.10        89.96        97.11
          Women's sportcoats, tailored jackets*.............         0.84         6.02         3.90         3.59
          Women's vests and sweaters*.......................        36.74        46.00        40.43        41.06
          Women's shirts, tops, blouses*....................        85.55       114.03       106.20       101.93
          Women's skirts*...................................        29.28        28.63        21.52        26.48
          Women's pants*....................................        66.85        69.35        79.18        71.79
          Women's shorts, shorts sets*......................        14.23        20.40        23.33        19.32
          Women's active sportswear*........................        23.13        28.54        32.91        28.19
          Women's sleepwear*................................        22.57        20.98        25.33        22.96
          Women's undergarments*............................        24.38        27.53        33.13        28.35
          Women's hosiery...................................        25.85        27.13        25.01        26.00
          Women's suits.....................................        28.04        33.54        30.71        30.76
          Women's accessories*..............................        34.46        38.59        33.98        35.68
          Women's uniforms*.................................         1.15         1.47         1.82         1.48
          Women's costumes..................................         0.00         3.34         1.01         1.45
        Girls, 2 to 15......................................        99.08       100.53        96.17        98.59
          Girls' coats and jackets..........................         7.95         6.71         7.65         7.44
          Girls' dresses, suits.............................        12.02        13.87        13.23        13.04
          Girls' shirts, blouses, sweaters*.................        30.19        23.20        22.42        25.27
          Girls' skirts and pants...........................        16.37        15.56        14.87        15.60
          Girls' shorts, shorts sets........................         6.41         8.41         9.83         8.22
          Girls' active sportswear*.........................         9.32        10.66         8.41         9.46
          Girls' underwear and sleepwear....................         5.92         6.16         6.26         6.11
          Girls' hosiery*...................................         4.88         6.09         5.05         5.34
          Girls' accessories*...............................         4.08         5.49         4.50         4.69
          Girls' uniforms...................................         1.46         2.26         1.86         1.86
          Girls' costumes...................................           NA         2.12         2.08         2.10
        Children under 2....................................        63.60        85.67        80.39        76.55
        Infant coat, jacket, snowsuit.......................         3.17         2.99         3.25         3.14
        Infant dresses, outerwear...........................        14.98        17.87        20.75        17.87
        Infant underwear*...................................        36.68        51.00        46.85        44.84
        Infant nightwear, loungewear........................         3.19         3.11         4.26         3.52
        Infant accessories..................................         3.06         5.15         5.28         4.50
        Infant hosiery......................................         0.41         0.10           NA         0.10
      Footwear*.............................................       204.13       258.04       243.05       235.07
        Men's footwear*.....................................        62.95        72.47        73.53        69.65
        Boys' footwear*.....................................        18.19        29.42        31.65        26.42
        Women's footwear*...................................       104.54       128.82       115.47       116.28
        Girls' footwear*....................................        18.46        27.33        22.41        22.73
      Other apparel products and services...................       259.97       283.91       269.19       271.02
        Material for making clothes.........................         8.12         9.10         8.58         8.60
        Sewing patterns and notions.........................         2.15         3.00         2.56         2.57
        Watches.............................................        21.65        20.45        20.47        20.86

[[Page 61354]]

        Jewelry.............................................       110.35       121.45       108.73       113.41
        Shoe repair and other shoe service..................         3.46         4.27         3.47         3.73
        Coin-operated apparel laundry and dry cleaning......        34.25        37.63        38.61        36.83
        Apparel alteration and repair.......................         6.05         6.23         6.02         6.10
        Clothing rental.....................................         4.77         4.02         3.56         4.12
        Watch and jewelry repair............................         5.72         6.94         5.54         6.07
        Apparel laundry and dry cleaning not coin operated..        62.72        69.99        70.94        67.88
        Clothing storage....................................         0.75         0.83         0.71         0.76
  Transportaiton............................................     5,140.21     5,235.41     5,232.14     5,202.59
    Vehicle purchases (net outlay)..........................     2,388.19     2,154.04     2,167.03     2,236.42
      Cars and trucks, new..................................     1,391.73     1,072.55     1,095.97     1,186.75
        New cars............................................       991.60       749.65       749.56       830.27
        New trucks..........................................       400.13       322.90       346.42       356.48
      Cars and trucks, used.................................       971.12     1,060.67     1,033.39     1,021.73
        Used cars...........................................       754.27       742.29       737.98       744.85
        Used trucks.........................................       216.85       318.39       295.42       276.89
      Other vehicles........................................        25.34        20.82        37.66        27.94
        New motorcycles.....................................         5.21         2.87        18.06         8.71
        New aircraft........................................         0.00           NA           NA         0.00
        Used motorcycles....................................        15.86        17.95         9.04        14.28
        Used aircraft.......................................         4.27           NA        10.57         7
    Gasoline and motor oil..................................       933.90       998.10       972.68       968.23
      Gasoline..............................................       812.03       884.83       868.13       855.00
      Diesel fuel...........................................        12.01         9.23         9.86        10.37
      Gasoline on out-of-town trips.........................        96.47        91.98        82.43        90.29
      Gasohol*..............................................         0.00           NA           NA         0.00
      Motor oil.............................................        12.55        11.31        11.44        11.77
      Motor oil on out-of town trips........................         0.85         0.74         0.83         0.81
    Other vehicle expenses..................................     1,552.56     1,775.67     1,805.62     1,711.28
      Vehicle finance charges...............................       284.70       280.20       258.96       274.62
        Automobile finance charges..........................       196.25       190.05       169.13       185.14
        Truck finance charges...............................        71.94        75.90        71.72        73.19
        Motorcycle and plane finance charges................         1.67         0.50         1.93         1.37
        Other vehicle finance charges.......................        14.85        13.76        16.18        14.93
      Maintenance and repairs...............................       568.66       641.71       627.51       612.63
        Coolant, additives, brake, transmission fluids......         7.15         6.94         6.77         6.95
        Tires--purchased, replaced, installed...............        86.22        85.76        92.70        88.23
        Parts, equipment and accessories*...................        86.80       100.00        75.63        87.48
        Vehicle products*...................................         3.92         3.19         3.14         3.42
        Misc. auto repair, servicing*.......................        17.18        22.31        20.13        19.87
        Body work and painting..............................        34.71        30.35        32.21        32.42
        Clutch, transmission repair.........................        34.54        35.98        34.71        35.08
        Drive shaft and rear-end repair.....................         7.58         6.97         7.96         7.50
        Brake work..........................................        33.05        42.57        43.87        39.83
        Repair to steering or front-end.....................        11.64        12.69        15.62        13.32
        Repair to engine cooling system.....................        22.87        24.02        24.59        23.83
        Motor tune-up.......................................        40.07        46.97        46.95        44.66
        Lube, oil change, and oil filters...................        24.67        33.01        35.54        31.07
        Front-end alignment, wheel balance..................         9.30        11.64        12.40        11.11
        Shock absorber replacement..........................         6.01         9.13         8.25         7.80
        Brake adjustment....................................         4.75         6.83         5.13         5.57
        Gas tank repair, re-................................
        placement*..........................................         0.09         1.18         1.60         0.96
        Repair tires and other repair work..................        29.23        33.15        33.63        32.00
        Exhaust system repair...............................        14.55        18.36        18.29        17.07
        Electrical system repair............................        20.35        26.00        28.19        24.85
        Motor repair, replacement...........................        63.53        79.50        73.60        72.21
        Autor repair service policy.........................         8.54         5.18         6.60         6.77
      Vehicle insurance.....................................       515.06       619.68       638.83       591.19
      Vehicle rental, leases, licenses, other charges.......       184.14       234.08       280.31       232.84
        Leased and rented vehicles..........................        68.54        95.89       125.45        96.63
          Rented vehicles...................................           NA        33.77        32.93        33.35
            Auto rental.....................................        44.36        12.42         8.36        21.71
            Auto rental, out-of-town trips..................         6.78        15.41        16.16        12.78
            Truck rental....................................        12.51         2.10         2.71         5.77
            Truck rental, out-of-town trips.................         3.99         2.49         5.20         3.89
            Motorcycle rental...............................         0.00           NA           NA         0.00
            Aircraft rental.................................         0.47         0.27         0.24         0.33
            Motorcycle rental, out-of-town trips............         0.04         0.50         0.07         0.20

[[Page 61355]]

            Aircraft rental, out-of-town trips..............         0.40         0.58         0.20         0.39
          Leased vehicles...................................           NA        62.11        92.52        77.32
            Car lease payments..............................           NA        47.74        69.08        58.41
            Cash downpayment (car lease)....................           NA         2.12         8.22         5.17
            Termination fee (car lease).....................           NA         0.16         0.14         0.15
            Truck lease payments............................           NA        11.01        12.47        11.74
            Cash downpayment (truck lease)..................           NA         1.09         1.52         1.31
            Termination fee (truck lease)...................           NA           NA         1.08         1.08
          State and local registration......................        67.04        75.17        87.09        76.43
          Driver's license..................................         6.59         7.27         7.41         7.09
          Vehicle inspection................................         6.33         8.31         9.03         7.89
          Parking fees......................................        20.50        23.86        23.01        22.46
            Parking fees (old)..............................           NA         1.34         0.00         0.67
            Parking fees in home city, excluding residence..           NA        19.97        20.52        20.25
            Parking fees, out-of-town trips.................           NA         2.54         2.49         2.52
          Tolls*............................................         5.96         8.71        10.98         8.55
          Tolls on out-of-town trips........................         4.12         4.51         4.18         4.27
          Towing charges....................................         5.05         4.89         5.02         4.99
          Automobile service clubs..........................           NA         5.48         8.14         6.81
        Public transportation...............................       265.56       307.60       286.82       286.66
          Airline fares.....................................       176.01       183.39       173.89       177.76
          Intercity bus fares...............................        14.30         7.84        10.90        11.01
          Intracity mass transit fares......................        41.07        54.01        48.57        47.88
          Local trans. on out-of-town trips.................         0.54         3.34         8.74         4.21
          Taxi fares on trips...............................         4.86        17.17         5.14         9.06
          Taxi fares........................................         5.89         6.78         6.46         6.38
          Intercity train fares.............................         9.04        14.66        17.38        13.69
          Ship fares........................................        13.00        19.63        14.54        15.72
          School bus........................................         0.86         0.77         1.21         0.95
        Health care.........................................     1,282.43     1,563.01     1,653.66     1,499.70
          Health insurance..................................       473.36       652.12       727.65       617.71
            Commercial health insurance.....................       165.28       213.85       232.16       203.76
            Blue Cross, Blue Shield.........................       116.52       148.51       173.35       146.13
          Health maintenance plans (HMO's)..................        48.48        95.76        90.57        78.27
          Medicare payments.................................        78.60       101.70       111.33        97.21
          Commercial medicare supplements...................        64.48        92.29       120.24        92.34
        Medical services....................................       512.73       561.20       546.03       539.99
          Physician's services..............................       149.19       179.39       170.75       166.44
          Dental services...................................       150.89       179.38       174.32       168.20
          Eyecare services..................................        22.70        25.60        29.20        25.83
          Nursing, therapy, and misc. medical services (old)         4.21         0.44           NA         2.33
          Service by professionals other than physician.....        22.62        29.39        32.66        28.22
          Lab tests, x-rays.................................        26.78        25.91        31.35        28.01
          Hospital room.....................................        54.96        36.47        37.42        42.95
          Hospital service other than room..................        26.61        53.30        44.63        41.51
          Medical care in retirement community..............           NA           NA           NA           NA
          Care in convalescent or nursing home..............        40.86        21.05        13.48        25.13
          Repair of medical equipment*......................         0.05           NA           NA         0.05
          Other medical care services.......................        13.86         8.07        12.24        11.39
        Drugs...............................................       225.28       258.20       284.99       256.16
          Nonprescription drugs*............................        65.79        73.86        80.16        73.27
          Prescription drugs................................       159.49       184.34       204.83       182.89
        Medical supplies....................................        71.06        91.49        94.98        85.84
          Eyeglasses and contact lenses.....................        45.18        59.02        57.35        53.85
          Hearing aids*.....................................         0.00         3.50         7.13         3.54
          Topicals and dressings*...........................        14.40        21.63        24.32        20.12
          Medical equipment for general use.................         5.29         2.32         2.25         3.29
          Supportive and convalescent medical equipment.....         5.70         3.48         2.85         4.01
          Rental of medical equipment.......................         0.50         0.35         0.35         0.40
          Rental of supportive, convalescent medical
           equipment........................................           NA         1.19         0.74         0.97
        Entertainment.......................................     1,348.90     1,523.49     1,525,52     1,465.97
          Fees and admissions...............................       351.99       384.49       375.11       370.53
            Recreation expenses, out-of-town trips..........        17.85        16.61        15.32        16.59
            Club membership dues and fees (old).............        76.68        24.30           NA        50.49
            Social, recreation, civic club membership.......           NA        59.85        85.24        72.55
            Fees for participant sports.....................        46.90        69.06        61.15        59.04
            Participant sports, out-of-town trips...........        18.96        20.12        21.17        20.08
            Movie, theater, opera, ballet...................        61.08        66.54        64.92        64.18
            Movie, other admissions, out-of-town trips......        25.91        19.72        27.20        24.28

[[Page 61356]]

            Admission to sporting events....................        19.63        20.69        22.94        21.09
            Admission to sports events, out-of-town trips...        25.91        17.42         9.08        17.47
            Fees for recreational lessons...................        41.23        53.57        52.76        49.19
            Other entertainment services, out-of-town trips.        17.85        16.61        15.32        16.59
          Television, radios, sound equipment...............       422.50       476.38       493.86       464.25
            Televisions.....................................       295.95       328.75       331.31       318.67
              Community antenna or cable tv.................       137.94       180.20       188.40       168.85
              Black and white tv*...........................         2.84         1.81         3.06         2.57
              Color tv--console.............................        23.60        18.13        21.37        21.03
              Color tv--portable, table model...............        43.50        44.32        41.51        43.11
              VCRs and video disc players...................        47.70        40.40        31.41        39.84
              Video cassettes, tapes, and discs.............        13.44        17.60        18.88        16.64
              Video game hardware and software..............        14.88        15.04        16.25        15.39
              Repair of tv, radio, and sound equipment......        10.43        10.23         9.60        10.09
              Rental of televisions.........................         1.61         1.03         0.81         1.15
            Radios, sound equipment.........................       126.55       147.62       162.55       145.57
          Radios*...........................................         4.84        10.24        10.71         8.60
          Phonographs*......................................         0.53         0.60         0.87         0.67
          Tape recorders and players*.......................        10.50         5.75         5.32         7.19
          Sound components and component systems............        28.64        30.53        35.56        31.58
          Miscellaneous sound equipment.....................         0.16         0.34         1.68         0.73
          Sound equipment accessories*......................         4.29         3.22         4.28         3.93
          Compact disc, tape, record and video mail order
           clubs............................................         4.17         8.04         8.97         7.06
          Records, CDs, audio tapes, needles................        25.86        29.54        31.01        28.80
          Rental of VCR, radio, and sound equipment.........         1.59         0.70         0.79         1.03
          Musical instruments and accessories...............        20.58        16.03        20.45        19.02
          Rental and repair of musical instruments..........         2.12         2.42         2.11         2.22
          Rental of video cassettes, tapes, films, and discs        23.27        40.22        40.79        34.76
        Pets, toys, and playground equipment................       242.26       286.11       281.46       269.94
          Pets..............................................       136.31       168.99       167.12       157.47
            Pet food*.......................................        66.61        85.02        84.94        78.86
            Pet purchase, supplies, medicine*...............        25.23        23.73        24.72        24.56
            Pet services....................................        10.64        16.52        13.87        13.68
            Vet services....................................        33.84        43.72        43.58        40.38
          Toys, games, hobbies, and tricycles...............       102.96       112.46       112.38       109.27
          Playground equipment..............................         2.98         4.66         1.96         3.20
        Other entertainment supplies, equipment, and
         services...........................................       332.16       376.51       375.10       361.26
          Unmotored recreational vehicles...................        24.02        14.05        33.20        23.76
            Boat without motor and boat trailers............        18.32         3.85        14.72        12.30
            Trailer and other attachable campers............         5.70        10.20        18.48        11.46
          Motorized recreational vehicles...................       137.44       154.19       142.45       144.69
            Motorized camper coaches and other vehicles.....        38.79        75.13        77.70        63.87
            Purchase of boat with motor.....................        98.65        79.05        64.75        80.82
          Rental of recreational vehicles...................         2.33         3.71         1.90         2.65
            Rental noncamper trailer........................         0.06         0.03         0.05         0.05
            Boat and trailer rental, out-of-town trips......         0.94         2.13         0.47         1.18
            Rental of campers and other vehicles on out-of-
             town trips (old)...............................         0.58           NA           NA         0.58
            Rental of campers on out-of-town trips..........           NA         0.17         0.54         0.36
            Rental of other vehicles on out-of-town trips...           NA         1.09         0.40         0.75
            Rental of boat..................................         0.23         0.02         0.05         0.10
            Rental of campers, other r.v.'s.................         0.52         0.27         0.39         0.39
          Outboard motors...................................         1.28         1.91         2.17         1.79
          Docking and landing fees..........................         5.33         4.50         5.77         5.20
          Sports, recreation and exercise equipment.........        86.67       111.11       102.67       100.15
            Athletic gear, game tables, and exercise
             equipment......................................        34.85        45.33        45.98        42.05
            Bicycles........................................        12.28        19.23        16.46        15.99
            Camping equipment...............................         3.26         4.50         3.77         3.84
            Hunting and fishing equipment...................        15.91        20.54        16.92        17.79
            Winter sports equipment.........................         4.86         5.30         3.19         4.45
            Water and miscellaneous sport equipment.........        13.20        14.50        14.68        14.13
            Rental and repair of misc. sports equipment.....         2.31         1.70         1.68         1.90
          Photographic equipment and supplies...............        69.61        81.69        81.66        77.65
            Film............................................        19.96        21.01        20.32        20.43
            Other photographic supplies*....................         0.64         1.43         0.17         0.75
            Film processing.................................        25.21        28.58        27.09        26.96
            Repair and rental of photographic equipment.....         0.24         0.55         0.39         0.39
            Photographic equipment..........................        15.43        14.65        13.47        14.52
            Photographer fees*..............................         8.12        15.47        20.23        14.61
          Fireworks*........................................         0.51         1.08         0.63         0.74

[[Page 61357]]

          Souvenirs*........................................         0.44         0.45         1.21         0.70
          Visual goods*.....................................         0.76         1.09         0.57         0.81
          Pinball, electronic video games*..................         3.78         2.72         2.88         3.13
        Personal care products and services.................       345.68       418.96       408.21       390.95
          Personal care products............................       179.05       228.19       223.41       210.22
            Hair care products*.............................        40.57        45.03        42.44        42.68
            Nonelectric articles for the hair*..............         4.26         6.41         5.35         5.34
            Wigs and hairpieces.............................         1.07         1.77         1.23         1.36
            Oral hygiene products, articles*................        18.16        27.93        28.07        24.72
            Shaving needs*..................................         8.49        10.65         9.46         9.53
            Cosmetics, perfume, bath preparation*...........        77.63        98.28       103.29        93.07
            Deodorants, feminine hygiene, misc. personal
             care*..........................................        23.52        32.28        28.78        28.19
            Electric personal care appliances...............         5.35         5.85         4.80         5.33
          Personal care services............................       166.63       190.77       184.80       180.73
            Personal care service for females*..............        89.35       103.69        98.60        97.21
            Personal care service for males.................        77.12        86.99        86.08        83.40
            Repair of personal care appliances..............         0.16         0.09         0.12         0.12
        Reading.............................................       152.49       168.07       165.57       162.04
          Newspapers........................................        63.99        70.41        70.60        68.33
          Magazines.........................................        38.92        39.74        38.78        39.15
          Newsletters*......................................         0.04         0.27         0.67         0.33
          Books thru book clubs.............................        10.63        12.22        10.56        11.14
          Books not thru book clubs.........................        35.24        40.22        41.38        38.95
          Encyclopedia and other sets of reference books....         3.67         5.21         3.58         4.15
        Education...........................................       324.43       433.88       423.79       394.03
          College tuition...................................       176.75       230.54       237.86       215.05
          Elementary and high school tuition................        53.20        65.77        69.99        62.99
          Other schools tuition.............................        15.29        39.08        16.39        23.59
          Other school expenses including rentals...........        15.78        17.66        18.40        17.28
          School books, supplies, equipment for college.....        26.56        37.22        36.94        33.57
          School books, supplies, equipment for elementary
           high school......................................         6.23         6.41         6.89         6.51
          School books, supplies, equipment for day care,
           nursery, other...................................         2.52         3.11         3.64         3.09
          School supplies, etc.--unspecified*...............        28.10        34.10        33.67        31.96
        Tobacco products and smoking supplies...............       242.33       277.79       278.59       266.24
          Cigarettes........................................       224.61       255.97       256.67       245.75
          Other tobacco products............................        15.28        18.68        19.51        17.82
          Smoking accessories*..............................         2.44         3.14         2.41         2.66
        Miscellaneous.......................................       597.58       877.79       794.63       756.67
          Miscellaneous fees, pari-mutuel losses*...........        38.61        48.28        60.93        49.27
          Legal fees........................................       104.50        80.65        88.62        91.26
          Funeral expenses..................................        49.32        54.07        51.73        51.71
          Safe deposit box rental...........................         5.69         6.18         5.88         5.92
          Checking accounts, other bank service charges.....        25.19        25.63        26.45        25.76
          Cemetery lots, vaults, maintenance fees...........        17.66        15.42        16.64        16.57
          Accounting fees...................................        39.87        46.16        47.58        44.54
          Miscellaneous personal services*..................        23.02        32.25        41.90        32.39
          Finance charges excluding mortgage and vehicle....       203.45       253.58       227.00       228.01
          Occupational expenses.............................        90.26        99.47       109.07        99.60
          Expenses for other properties.....................           NA       207.48       110.86       159.17
          Interest paid, home equity line of credit (other
           property)........................................           NA         1.77         0.80         1.29
          Credit card memberships...........................           NA         6.86         7.17         7.02
        Cash contributions..................................       730.19     1,040.14     1,020.99       930.44
          Cash contributions to non-CU memb., incl. stud.,
           alim., and child sup.............................       179.06       277.71       240.72       232.50
          Gifts of cash, stocks and bonds to non-CU members.       149.99       219.98       249.31       206.43
          Contributions to charity..........................        69.16        97.36       105.65        90.72
          Contributions to church...........................       295.54       407.43       378.37       360.45
          Contributions to educational organizations........        17.97        21.71        31.50        23.73
          Contributions to political organizations..........         7.29         7.64         7.22         7.38
          Other contributions...............................        11.18         8.31         8.21         9.23
        Personal insurance and pensions.....................     2,532.36     3,141.56     3,083.40     2,919.11
        Life and other personal insurance...................       324.17       353.85       354.24       344.09
          Life, endowment, annuity, other personal insurance       312.04       340.55       342.74       331.78
          Other nonhealth insurance.........................        12.13        13.30        11.50        12.31
        Pensions and Social Security........................     2,208.19     2,787.71     2,729.16     2,575.02
          Deductions for government retirement..............        65.36        80.17        77.00        74.18
          Deductions for railroad retirement................         6.23         4.55         3.03         4.60
          Deductions for private pensions...................       156.10       268.34       264.82       229.75
          Non-payroll deposit to retirement plans...........       297.28       334.61       337.62       323.17

[[Page 61358]]

          Deductions for Social Security....................     1,683.21     2,100.03     2,046.70     1,943.31
----------------------------------------------------------------------------------------------------------------
*Data may not be statistically significant.
Source: Bureau of Labor Statistics.

                                    Appendix 4.--Consumer Expenditure Surveys
                             [Pre-published Data for All Consumer Units Nationwide*]
----------------------------------------------------------------------------------------------------------------
                                                 $10,000    $15,000    $20,000    $30,000    $40,000
                                                    to         to         to         to         to      $50,000
                                                 $14,999    $19,000    $29,000    $39,000    $49,999    and over
----------------------------------------------------------------------------------------------------------------
Average income before taxes:
    1988......................................    $12,320    $17,373    $24,591    $34,375    $44,331    $74,234
    1991......................................     12,430     17,301     24,816     34,402     44,548     79,902
    1992......................................     12,437     17,420     24,560     34,439     44,442     81,602
      Average.................................     12,369     17,365     24,656     34,405     44,440     78,579

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

Food at home:
    1988......................................   1,809.23   1,954.49   2,174.01   2,556.74   2,906.55   3,109.86
    1991......................................   2,267.82   2,379.01   2,517.57   2,959.22   3,321.94   3,841.29
    1992......................................   2,060.61   2,473.08   2,558.40   2,785.24   3,265.99   3,799.25
      Average.................................   2,945.89   2,268.86   2,416.66   2,767.07   3,164.83   3,583.47

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

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

Domestic services:
    1988......................................      82.78     119.28     166.06     275.08     311.41     321.27
    1991......................................     170.38     109.83     171.63     229.79     273.86     469.21
    1992......................................     151.62     129.29     147.99     222.40     398.61     559.53
      Average.................................     134.93     119.47     161.89     242.42     327.96     450.00

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

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

Recreation:
    1988......................................     895.72     969.87   1,333.46   1,695.89   2,224.56   3,435.75
    1991......................................     723.92     980.12   1,270.25   1,908.30   2,058.64   3,485.92
    1992......................................     755.24   1,146.23   1,302.99   1,726.85   2,558.20   3,374.39
      Average.................................     791.63   1,032.07   1,302.23   1,777.01   2,280.47   3,432.02

Personal Care:
    1988......................................     249.04     282.21     324.70     420.30     478.79     651.43
    1991......................................     288.37     304.89     364.44     450.76     527.30     722.72
    1992......................................     229.68     340.56     376.85     405.19     528.27     702.54
      Average.................................     255.70     309.22     355.33     425.42     511.45     692.23
Tobacco:
    1988......................................     221.48     250.05     262.82     292.87     249.43     270.28
    1991......................................     257.39     306.61     291.80     323.27     355.15     293.08
    1992......................................     242.99     287.66     296.57     321.75     321.76     300.33

[[Page 61359]]

      Average.................................     240.62     281.44     283.73     312.63     308.78     287.90

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

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

Transportation:
    1988......................................   3,127.01   3,840.91   5,302.92   6,704.50   7,779.21   9,714.71
    1991......................................   3,130.14   3,362.28   4,700.00   5,872.44   7,226.89   9,442.91
    1992......................................   2,853.92   3,398.88   4,904.01   5,824.45   7,113.95   9,664.47
      Average.................................   3,037.02   3,534.02   4,969.31   6,133.80   7,373.35   9,607.36

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

Air fares and other transportation expenses:
    1988......................................     177.02     183.87     281.93     390.06     445.27     830.29
    1991......................................     177.78     243.39     265.29     398.48     417.77     907.42
    1992......................................     149.61     226.92     334.70     319.65     475.48   1,000.63
      Average.................................     168.14     218.06     293.97     369.40     446.17     912.78

Miscellaneous:
    1988......................................   2,421.18   3,159.62   3,955.36   5,414.71   7,030.39  10,544.42
    1991......................................   2,831.11   3,165.50   4,318.05   5,771.11   7,086.75  12,656.03
    1992......................................   2,530.29   3,280.40   4,349.33   5,801.25   7,754.49  12,924.24
      Average.................................   2,594.19   3,201.84   4,207.58   5,662.36   7,290.54  12,044.90

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

Cash contributions:
    1988......................................     352.83     486.72     529.28     781.16     956.30   2,102.92
    1991......................................     764.72     647.89     728.00     863.26     986.19   2,418.40
    1992......................................     509.71     515.63     688.17     834.21   1,424.12   2,515.30
      Average.................................     542.42     550.08     648.48     826.21   1,122.20   2,345.54

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

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

------------------------------------------------------------------------
Food at Home:
    Ground Beef...................................  Price per lb. of
                                                     regular ground
                                                     beef. Average size
                                                     package. Loose, pre-
                                                     packaged. Do not
                                                     price lean.
    Round Steak, boneless.........................  Price per lb.
                                                     Average size
                                                     package.
                                                    1st choice: Boneless
                                                     top round steak.
                                                    2nd choice: Boneless
                                                     bottom round steak.
    Round Roast, boneless.........................  Price per lb.
                                                     Average size
                                                     package.
                                                    1st choice: Top
                                                     round roast.
                                                    2nd choice: Rolled
                                                     rump roast.
    Pork Chops, bone in...........................  Price per lb.
                                                     Average size
                                                     package.
                                                    1st choice: Center
                                                     cut rib chops.
                                                    2nd choice: Loin
                                                     chops.
    Bacon, sliced.................................  Price for 16 oz. (1
                                                     lb.) package Oscar
                                                     Mayer regular
                                                     sliced bacon.
    Chicken, whole................................  Price per lb. of 1
                                                     whole fryer
                                                     chicken. If whole
                                                     fryer not
                                                     available, price a
                                                     whole fryer
                                                     chicken, cut-up.
    Fish Filet, frozen............................  Price per lb. of
                                                     frozen ocean
                                                     whitefish filet.

[[Page 61360]]

                                                    1st choice: Cod or
                                                     haddock.
                                                    2nd choice: Regional
                                                     fish.
                                                    Please record fish
                                                     type in comment
                                                     section.
    Tuna, canned..................................  Price for 6.13 oz.
                                                     can chunk light,
                                                     packed in water.
                                                     (Not fancy style.)
                                                    1st choice: Star
                                                     Kist.
                                                    2nd choice: Chicken
                                                     of the Sea.
    Lunch Meat....................................  Price for 8 oz.
                                                     pkg., Oscar Mayer.
                                                    1st choice: bologna.
                                                    2nd choice: cotto
                                                     salami or all-beef
                                                     bologna.
    Ham, canned...................................  Price for 3 lb. tin
                                                     of canned ham.
                                                    1st choice: Hormel.
                                                    2nd choice: Dubuque.
                                                    Do not price
                                                     Hormel's Supreme
                                                     Cut ham.
    Frankfurters..................................  Price for 16 oz. (1
                                                     lb.) package, Oscar
                                                     Mayer all beef
                                                     frankfurters
    Eggs, large...................................  Price for one dozen.
    Fish, fresh...................................  Price per lb. of a
                                                     salmon steak.
    Milk, 2%......................................  Price for one gallon
                                                     (128 fluid oz.),
                                                     2%. Lowest priced
                                                     store brand.
    Cheddar Cheese................................  Price for 10 oz.
                                                     package.
                                                    1st choice: Kraft
                                                     Cracker Barrel mild
                                                     cheddar cheese.
                                                    2nd choice: Kraft
                                                     Cracker Barrel
                                                     sharp yellow
                                                     cheddar cheese.
    Ice Cream.....................................  Price for 1/2 gallon
                                                     of Sealtest vanilla
                                                     ice cream. Do not
                                                     price ice milk.
    Bread, white..................................  Price for 16 oz.
                                                     loaf of a regional
                                                     brand of sliced,
                                                     white bread. Do not
                                                     price store brand.
                                                     Please record brand
                                                     in comment section.
    Spaghetti, dry................................  Price for 16 oz. box
                                                     or bag of
                                                     spaghetti.
                                                    1st choice:
                                                     Creamettes.
                                                    2nd choice:
                                                     Muehler's.
                                                    3rd choice: Golden
                                                     Grain.
                                                    4th choice: American
                                                     Beauty.
    Cereal........................................  Price for box of
                                                     Kellogg's Corn
                                                     Flakes.
                                                    1st choice: 18 oz.
                                                     box.
                                                    2nd choice:
                                                     Different size box
                                                     of Kellogg's Corn
                                                     Flakes.
    Cookies.......................................  Price for 20 oz.
                                                     package of Nabisco
                                                     Oreo Cookies.
    Frozen Waffles................................  Price Kellogg's Eggo
                                                     Waffles, price 12
                                                     waffle package.
    Hamburger Buns................................  Price for 12 oz.
                                                     (340 grams) package
                                                     of 8 sliced
                                                     regional brand
                                                     enriched white
                                                     hamburger buns. Do
                                                     not price store
                                                     brand. Please
                                                     record brand in
                                                     comment section.
    Donuts........................................  Price for box of
                                                     Hostess chocolate
                                                     covered donuts.
    Apples, fresh.................................  Price per lb. of Red
                                                     Delicious apples.
                                                     If apples are
                                                     priced by the bag,
                                                     report the price
                                                     and weight of the
                                                     bag--use the
                                                     store's scale if
                                                     necessary. Price
                                                     medium-size apples
                                                     if possible.
    Bananas, fresh................................  Price per lb. If
                                                     bananas are priced
                                                     by the bunch,
                                                     report the price
                                                     and weight of the
                                                     bunch--use the
                                                     store's scale if
                                                     necessary.
    Tomatoes, fresh...............................  Price per lb. Price
                                                     medium-size
                                                     tomatoes if
                                                     possible. Do not
                                                     price organic or
                                                     ``hydro'' fresh
                                                     tomatoes.
    Potatoes......................................  Price for 10 lb. bag
                                                     of lowest priced
                                                     white potatoes. If
                                                     10 lb. bag is not
                                                     available,
                                                     substitute nearest
                                                     size sack. Please
                                                     price potatoes by
                                                     the bag since
                                                     potatoes priced by
                                                     the pound are not
                                                     comparable to
                                                     bagged potatoes.
    Frozen Orange Juice...........................  Price for 12 fluid
                                                     oz. (makes 48 fluid
                                                     oz.) can of Minute
                                                     Maid frozen orange
                                                     juice concentrate.
    Tomato Juice..................................  Price for 46 fluid
                                                     oz. can of tomato
                                                     juice.
                                                    1st choice:
                                                     Campbell's.
                                                    2nd choice: Libby's.
    Peaches, canned...............................  Price for 16 oz. can
                                                     of sliced yellow
                                                     cling peaches.
                                                    1st choice: Del
                                                     Monte.
                                                    2nd choice: Libby's.
    Peas, frozen..................................  Price for 16 oz.
                                                     pkg. of Green Giant
                                                     frozen peas. Do not
                                                     price peas with
                                                     sauce.
    Green Beans, canned...........................  Price for 16 oz. can
                                                     of Del Monte green
                                                     beans.
    Oranges, fresh................................  Price per lb. of
                                                     Florida oranges. If
                                                     oranges are priced
                                                     by the bag or by
                                                     the orange, report
                                                     the price and weigh
                                                     a bag--using the
                                                     store's scale if
                                                     possible. Price
                                                     navel medium-size
                                                     oranges if
                                                     possible.
    Lettuce, fresh................................  Price for 1 head of
                                                     iceberg lettuce. If
                                                     lettuce is priced
                                                     by weight, report
                                                     the price and also
                                                     report the weight
                                                     of an average head.
    Celery, fresh.................................  Price for 1 bunch of
                                                     celery. Do not
                                                     price celery
                                                     hearts.
    Fruit Drink...................................  Price for 46 fluid
                                                     oz. can.
                                                    1st choice: Hawaiian
                                                     Punch.
                                                    2nd choice: HI-C
                                                     regular.
    Soft Drink....................................  Price for 2 L
                                                     (liter) plastic
                                                     bottle.
                                                    1st choice: Coca-
                                                     Cola.
                                                    2nd choice: Pepsi.
    Coffee, ground................................  Price for 13 oz. can
                                                     of ground coffee.
                                                    1st choice: Folger's
                                                     Drip Grind.
                                                    2nd choice: Maxwell
                                                     House.
    Canned Soup...................................  Price for one can
                                                     Campbell's soup.
                                                    1st choice:
                                                     Vegetable 10\1/2\
                                                     oz.
                                                    2nd choice: Chicken
                                                     Noodle 10\3/4\ oz.
    Snack Food....................................  Price for 6 oz. bag
                                                     or box of potato
                                                     chips.
                                                    1st choice: Ruffles.
                                                    2nd choice: Lays Dip
                                                     Chips.

[[Page 61361]]

    Salt..........................................  Price for 26 oz. box
                                                     of iodized salt.
                                                    1st choice: Morton.
                                                    2nd choice: Ivory.
                                                    3rd choice: Private
                                                     Label.
    Ketchup.......................................  Price for 28 oz.
                                                     plastic squeeze
                                                     bottle of ketchup.
                                                    1st choice: Heinz.
                                                    2nd choice: Del
                                                     Monte.
    Cooking Oil...................................  Price for 48 fluid
                                                     oz. bottle.
                                                    1st choice: Crisco.
                                                    2nd choice: Wesson.
    Margarine.....................................  Price for 1 lb.,
                                                     four sticks.
                                                    1st choice: Blue
                                                     Bonnet.
                                                    2nd choice: Parkay.
    Frozen Dinner.................................  Price for 11.5 oz.
                                                     (326 grams) Swanson-
                                                     Turkey, whipped
                                                     potatoes, peas, and
                                                     fruit compote,
                                                     frozen dinner.
    Jello Gelatin.................................  Price for 3 oz. box
                                                     of Jello Gelatin
                                                     desert.
    Baby Food.....................................  Price for one 4.0
                                                     oz. jar of Gerber
                                                     Second Foods
                                                     strained vegetable
                                                     or fruit.
    Candy Bar.....................................  Price for one 2.07
                                                     oz. Snickers candy
                                                     bar. If not
                                                     available, price
                                                     most popular brand
                                                     of same size.
    Sugar, granulated.............................  Price for 5 lb. bag
                                                     of granulated cane
                                                     or beet sugar,
                                                     lowest price
                                                     available. Do not
                                                     price generic
                                                     sugar.
    Bottled Water.................................  Price for one gallon
                                                     (store brand) (128
                                                     fluid oz.) bottled
                                                     spring water. Do
                                                     not price sparkling
                                                     or distilled water.
Food Away from Home:
    Breakfast.....................................  Price for typical
                                                     breakfast, such as,
                                                     bacon and 2 eggs or
                                                     waffles, coffee and
                                                     juice. Report
                                                     percentages added
                                                     for tax, tip and
                                                     service charge.
    Lunch.........................................  Price for typical
                                                     lunch, such as,
                                                     chef's salad or
                                                     cheeseburger
                                                     platter and small
                                                     soft drink. Report
                                                     percentages added
                                                     for tax, tip and
                                                     service charge.
    Dinner........................................  Price for typical
                                                     dinner, such as,
                                                     New York strip or
                                                     seafood platter and
                                                     coffee. Report
                                                     percentages added
                                                     for tax, tip and
                                                     service charge.
    Fast Food Lunch/Dinner........................  Average price of a
                                                     meal at fast food
                                                     establishment.
                                                     Price for typical
                                                     meal, such as, Big
                                                     Mac or Whopper,
                                                     medium french fries
                                                     and medium coke.
    Ice Cream Cone................................  Price for regular
                                                     (one scoop) vanilla
                                                     ice cream cone.
Tobacco:
    Cigarettes, king size.........................  Price for 1 carton
                                                     (200 cigarettes) of
                                                     Winston filter-
                                                     kings soft pack. Do
                                                     not include sales
                                                     tax.
Alcohol:
    Beer at Home..................................  Price for a six-pack
                                                     of 12 oz. cans of
                                                     Budweiser (Puerto
                                                     Rico--10 oz). Do
                                                     not price
                                                     refrigerated beer.
    Wine at Home..................................  Price for 750 ml.
                                                     Gallo white chablis
                                                     blanc.
    Beer Away.....................................  Price for glass of
                                                     Budweiser/Miller
                                                     Lite beer. List
                                                     percent for tax.
    Wine Away.....................................  Price of house white
                                                     wine. List percent
                                                     for tax.
Furnishings, Household Operations:
    Appliance Repair..............................  Price to replace
                                                     digital clock and
                                                     heating probe for
                                                     Maytagoven Model
                                                     #CRE9400ACL, Serial
                                                     #1000100HB, Series
                                                     #10. Include hourly
                                                     rate, trip charge
                                                     and parts cost.
    Housekeeping Services.........................  Price per hour for
                                                     bi-weekly cleaning.
                                                     House approximately
                                                     2,000 sq. ft.
                                                     Family size four.
                                                     Please complete
                                                     items in the
                                                     Comment Section.
                                                     Services include
                                                     the following:
                                                    Bathroom(s)--Sanitiz
                                                     e walls, floor,
                                                     counter tops,
                                                     bathtub, stool.
                                                    Kitchen--Sanitize
                                                     walls, floor,
                                                     counter tops,
                                                     cabinets,
                                                     appliances.
                                                    Living Room & Dining
                                                     Room--Dust, polish
                                                     furniture and
                                                     vaccum.
                                                    Bedrooms--Dust,
                                                     polish furniture
                                                     and vacuum. If
                                                     other services are
                                                     included, please
                                                     note.
    Moving........................................  Price per hour for a
                                                     within-city move,
                                                     two men with
                                                     enclosed van.
                                                     Include any van
                                                     rental fees.
    Toilet Tissue.................................  Price for a 4 roll
                                                     pack.
                                                    1st choice:
                                                     Cottonelle.
                                                    2nd choice:
                                                     Northern.
    Pen...........................................  Price for 10 pack
                                                     Bic round stic
                                                     medium pen.
    Postage.......................................  Price for First
                                                     Class postage for a
                                                     letter.
    Laundry Soap..................................  Price for 100 fluid
                                                     oz. of liquid
                                                     household laundry
                                                     detergent.
                                                    1st choice: Tide.
                                                    2nd choice: Cheer.
    Plant Food....................................  Price for 8 oz.
                                                     container of indoor
                                                     plant food.
                                                    1st choice: Miracle
                                                     Grow.
                                                    2nd choice: Peters.
    Bed Sheet Set.................................  Price for one set
                                                     queen-size no-iron
                                                     cotton & polyester
                                                     percale sheets (180
                                                     thread count). One
                                                     set consists of one
                                                     fitted sheet, one
                                                     flat sheet and two
                                                     pillowcases. Do not
                                                     price designer
                                                     sheet sets. Price
                                                     sheet sets with a
                                                     minimum design.
    Bath Towel....................................  Price for a 2750
                                                     inch Cannon
                                                     Portofino bath
                                                     towel made of 100%
                                                     cotton.
    Living Room Chair.............................  Price for a recliner
                                                     chair, that is
                                                     button backed with
                                                     base construction
                                                     of 15 zigzag
                                                     springs.
                                                    1st choice: Lane.
                                                    2nd choice: Lazy
                                                     Boy.
                                                    Do not price special
                                                     order fabric.
    Bedroom Group.................................  Price for
                                                     nightstand,
                                                     headboard, 5-drawer
                                                     chest, triple
                                                     dresser with
                                                     mirror. Solid wood
                                                     top, front mirror
                                                     frame and
                                                     headboard. Veneer
                                                     sides. Drawer
                                                     construction should
                                                     have French
                                                     dovetail or English
                                                     dovetail joints and
                                                     dust plate.

[[Page 61362]]

    Dining Room Table.............................  Price for table with
                                                     center pedestal and
                                                     four standard
                                                     double rung chairs.
                                                     Table should have
                                                     veneer top and
                                                     double runners for
                                                     leaves with both
                                                     portions of the
                                                     table moveable.
    Washing Machine...............................  Price for large
                                                     capacity washing
                                                     machine with 4
                                                     water temperatures,
                                                     8 wash cycles, 4
                                                     water levels, white
                                                     porcelain tub, self-
                                                     clean lint filter,
                                                     fabric softener
                                                     dispenser and 2
                                                     speed combinations.
                                                    1st choice: Maytag
                                                     Model #LAT9604.
                                                    2nd choice: General
                                                     Electric Model
                                                     #WWA8600.
                                                    3rd choice:
                                                     Whirlpool Model
                                                     #LLR6233B.
    Kitchen Range.................................  Price for 30-inch
                                                     electric range with
                                                     upswept cooktop,
                                                     removable coil
                                                     elements,
                                                     electronic clock
                                                     with timer, oven
                                                     light, delay-start
                                                     cook control,
                                                     storage drawer,
                                                     self-cleaning oven
                                                     with two oven racks
                                                     and a porcelain
                                                     enamel broiler pan.
                                                    1st choice: Maytag
                                                     Model #CRE9400.
                                                    2nd choice: General
                                                     Electric Model
                                                     #JBP55GS.
                                                    3rd choice:
                                                     Whirlpool Model
                                                     #RF385PXYW.
    Refrigerator..................................  Price for no-frost
                                                     top-mount 21 cubic
                                                     ft. refrigerator
                                                     with reversible
                                                     doors and energy
                                                     saver switch, 4
                                                     split glass
                                                     shelves, fixed
                                                     glass crisper shelf
                                                     with 2 sealed/
                                                     moisture controlled
                                                     crisper drawers,
                                                     double wall meat
                                                     drawer. Door
                                                     contains 2 covered
                                                     dairy compartments,
                                                     1 deep fixed bin, 4
                                                     deep adjustable
                                                     bins. Freezer has 2
                                                     adjustable wire
                                                     shelves, 2 deep
                                                     fixed door bins and
                                                     4 ice trays.
                                                    1st choice: Maytag
                                                     Model #RTD2100CAE.
                                                    2nd choice: General
                                                     Electric Model
                                                     #TBX22PAS.
                                                    3rd choice:
                                                     Whirlpool Model
                                                     #ET22PKXB.
    Vacuum........................................  Price for upright
                                                     vacuum cleaner with
                                                     6.5 amps, 120
                                                     volts, six above-
                                                     the-floor
                                                     attachments, height
                                                     adjustment, regular
                                                     bag and 20-foot
                                                     cord.
                                                    1st choice: Eureka
                                                     Model #9334AT.
                                                    2nd choice: Hoover
                                                     Model #U4671-930.
    Two-Slice Toaster.............................  Price for two-slice
                                                     toaster, chrome
                                                     body, wide slot
                                                     with pastry defrost
                                                     setting.
                                                    1st choice: Proctor-
                                                     Silex Model #T620B.
                                                    2nd choice: Black &
                                                     Decker Model #T200.
    Casserole Dish Set............................  Price for Corning-
                                                     Ware trio casserole
                                                     set with 1 qt., 1.5
                                                     qt., and 2 qt.
                                                     dishes and 3 covers
                                                     (two plastic covers
                                                     and one glass).
    China.........................................  Price for the
                                                     Corelle Impressions
                                                     line Abundance
                                                     pattern tableware
                                                     set. Set consists
                                                     of 20 pieces: 4
                                                     dinner plates, 4
                                                     luncheon plates, 4
                                                     bowls, 4 cups, and
                                                     4 saucers. The
                                                     pattern is beige
                                                     with a fruit and
                                                     flower motif.
    Electric Drill................................  Price for 6.0 volt
                                                     reversible cordless
                                                     electric drill with
                                                     overnight recharge.
                                                    1st choice: Black &
                                                     Decker Model
                                                     #Cd2000.
                                                    2nd choice: Skil
                                                     Model #2305.
    Lawn Trimmer..................................  Price for gas
                                                     powered 31 cc. two-
                                                     cycle engine single
                                                     line lawn trimmer
                                                     with a 17 inch wide
                                                     cut.
    Red Roses, fresh cut..........................  Price for one dozen
                                                     long stemmed, fresh
                                                     cut red roses.
    Hammer........................................  Price for Stanley
                                                     curved claw hammer
                                                     with a 16 oz. head,
                                                     wood handle, high
                                                     carbon steel head,
                                                     black finish.
                                                    Overall length 13\1/
                                                     4\''.
                                                    1st choice: Model
                                                     #51616.
                                                    2nd choice: Model
                                                     #51416.
    Window Shade..................................  Price 37\1/2\ inch
                                                     wide window shade.
    Toilet Lid Cover..............................  Price for Cannon
                                                     Portofino standard
                                                     toilet lid cover
                                                     made of 100% nylon.
Clothing:
    Man's Suit....................................  Price for two-piece
                                                     single-breasted
                                                     business suit of
                                                     the type generally
                                                     worn to the office.
                                                     Conservatively
                                                     colored and styled
                                                     with a fabric blend
                                                     of 45% wool and 55%
                                                     polyester.
    Man's Jeans...................................  Price of straight
                                                     leg regular fit
                                                     jeans.
                                                    1st choice: Levi's
                                                     #505.
                                                    2nd choice: Lee
                                                     regular fit.
                                                    Do not price
                                                     bleached jeans.
    Man's Dress Shirt.............................  Price for white or
                                                     solid color, long
                                                     sleeve, button
                                                     cuff, plain collar
                                                     dress shirt,
                                                     approximately 35%
                                                     cotton, 65%
                                                     polyester. A dress
                                                     shirt will have
                                                     exact collar and
                                                     sleeve sizes.
                                                     Example: 15\1/2\
                                                     collar, 34 sleeve.
                                                    Possible brands:
                                                     Arrow, Van Heusen.
    Man's Jacket..................................  Price for unlined
                                                     Levi's jean jacket.
                                                     Cotton denim with
                                                     button front, two
                                                     chest pockets and
                                                     two side pockets.
    Boy's Jeans...................................  Price of loose fit
                                                     jeans (size 8-14).
                                                    1st choice: Levi's
                                                     #560.
                                                    2nd choice: Lee
                                                     loose fit.
    Boy's Shirt...................................  Price for screen-
                                                     printed t-shirt
                                                     commonly worn by
                                                     boys ages 8 through
                                                     10 years (size 7-
                                                     14). Pullover with
                                                     crew neck, short
                                                     sleeves and
                                                     polyester/cotton
                                                     blend. Possible
                                                     brand: Ocean
                                                     Pacific.
    Man's Undershirt..............................  Price for white 100%
                                                     cotton undershirts
                                                     with short sleeves,
                                                     set of three. If
                                                     not in set of
                                                     three, report the
                                                     number of
                                                     undershirts in
                                                     package.
                                                    Possible brands:
                                                     Hanes, Fruit of the
                                                     Loom.
    Woman's Dress.................................  Price for misses mid-
                                                     sleeve shirt waist
                                                     dress appropriate
                                                     for office attire.
                                                     Exclude any unusual
                                                     ornamentation. The
                                                     dress should be
                                                     unlined and 100%
                                                     rayon.
                                                    Possible brands:
                                                     Stewart Allen,
                                                     Lesley Fay.
    Woman's Blouse................................  Price of 100%
                                                     polyester, white,
                                                     long sleeve, button
                                                     front blouse with
                                                     minimum trim.
                                                    Possible brands:
                                                     Wrapper, Girls,
                                                     Girls, Girls.
    Woman's Slacks................................  Price for misses
                                                     unlined slacks
                                                     appropriate for
                                                     office attire. The
                                                     slacks should be a
                                                     blend of cotton and
                                                     polyester without a
                                                     belt.
                                                    Possible brands:
                                                     Donnkenny, Alfred
                                                     Dunner.

[[Page 61363]]

    Woman's Sweater...............................  Price for 100%
                                                     cotton, crew neck
                                                     sweater with rib
                                                     knit cuffs and
                                                     bottom. Exclude any
                                                     unusual
                                                     ornamentation or
                                                     patterns.
    Woman's Jacket................................  Price for unlined
                                                     windbreaker.
    Woman's Accessories...........................  Price for split-
                                                     grain, cowhide
                                                     leather, checkbook
                                                     clutch wallet.
                                                    Possible brands:
                                                     Michael Stevens,
                                                     Mundi.
    Girl's Dress..................................  Price of cotton
                                                     blend long-sleve
                                                     dress appropriate
                                                     for school. Exclude
                                                     extra
                                                     ornamentation. For
                                                     girls ages 8
                                                     through 10 (size 7-
                                                     14).
                                                    Possible brand:
                                                     Carter's.
    Girl's Jeans..................................  Price of Levi's #550
                                                     jean. For girls
                                                     ages 8 through 10
                                                     years (size 7-14).
    Girl's Blouse.................................  Price of cotton
                                                     blend, white or
                                                     solid color, long
                                                     sleeve, button
                                                     front blouse. For
                                                     girls ages 8
                                                     through 10 years
                                                     (size 7-14).
                                                    Possible brand: This
                                                     Side Up.
    Infant's Sleeper..............................  Price for one-piece
                                                     sleeping garment
                                                     with legs, covering
                                                     the body including
                                                     the feet.
                                                    Possible brands:
                                                     Gerber, Playskool.
    Disposable Diaper.............................  Price for 40 count
                                                     package Pampers,
                                                     (child 12-18 lbs.).
                                                    Do not price larger
                                                     size diapers.
    Man's Shoes...................................  Price for 100%
                                                     leather wing tips.
                                                    Possible brands:
                                                     Bostonian, Johnston
                                                     and Murphy.
    Woman's Shoes.................................  Price for woman's
                                                     pump style shoes
                                                     with encolsed heel
                                                     and toe, leather
                                                     uppers and the rest
                                                     of man-made
                                                     materials. Heel
                                                     height should be
                                                     approximately two
                                                     inches.
                                                    Possible brands: 9
                                                     West, Candies.
    Jewelry.......................................  Price for one pair
                                                     6mm 14K gold ball
                                                     earrings for
                                                     pierced ears.
    Coin Laundry..................................  Price for one load
                                                     of laundry using a
                                                     regular size, top
                                                     loading commercial
                                                     washing machine. Do
                                                     not include cost of
                                                     drying.
    Dry Clean Man's Suit..........................  Price to dry clean a
                                                     man's 2-piece
                                                     business suit of
                                                     typical fabric.
Domestic Service:                                   ....................
    Day-Care......................................  Price for one month
                                                     of day-care for a
                                                     three-year-old
                                                     child (5 days a
                                                     week, about 8 hours
                                                     per day). If
                                                     monthly rate is not
                                                     available, price
                                                     per week.
    Babysitter, per hour..........................  Average hourly rate
                                                     for one child, age
                                                     four years,
                                                     evening, before
                                                     midnight. (Teenager
                                                     in your home.) Do
                                                     not Price
                                                     babysitting
                                                     service. Special
                                                     Instructions: If
                                                     typical for your
                                                     area, you may wish
                                                     to obtain quotes
                                                     from friends/
                                                     acquaintances in
                                                     your area who use
                                                     teenage
                                                     babysitters.
Professional Services:                              ....................
    Legal Services................................  Hourly rate for
                                                     general counsel.
    Accounting Services...........................  Hourly rate for
                                                     individual tax work
                                                     (not business).
Personal Care:                                      ....................
    Woman's Cut and Styled Blow Dry...............  ``Regular service''
                                                     price for a woman's
                                                     cut and styled blow
                                                     dry. Include wash.
                                                     No curling iron if
                                                     extra charge.
    Man's Haircut.................................  Price of a man's
                                                     typical haircut. Do
                                                     not include wash.
    Lipstick......................................  Price for one tube
                                                     of Revlon lipstick.
                                                    1st choice: Super
                                                     Lustrous.
                                                    2nd choice:
                                                     Moondrops.
    Shampoo.......................................  Price for 15 fluid
                                                     oz. bottle of
                                                     Revlon Flex shampoo
                                                     for normal hair.
Recreation:
    Bowling.......................................  Price for 1 game of
                                                     open (or non-
                                                     league) bowling on
                                                     Saturday night.
                                                     Exclude cost of
                                                     shoe rental.
    Golf..........................................  Price for 18 holes
                                                     of golf on a
                                                     weekend. If only 9
                                                     hole rate is
                                                     available, report
                                                     twice the price. If
                                                     only daily rate is
                                                     available
                                                     (unlimited number
                                                     of holes), report
                                                     the Saturday or
                                                     Sunday rate.
    Movie Theater.................................  Typical adult price
                                                     for regular length
                                                     evening film.
                                                     Report weekend
                                                     evening price if
                                                     different from
                                                     weekday.
    Health Club...................................  Price for regular
                                                     individual
                                                     membership for 1
                                                     year for existing
                                                     member. Do not
                                                     include any initial
                                                     fees assessed only
                                                     to new members. If
                                                     yearly rate is not
                                                     available, price
                                                     per month.
    Piano Lessons.................................  Price for private
                                                     lesson for a
                                                     beginner one-half
                                                     hour in length.
    Video Rental..................................  Price to rent one
                                                     video tape of
                                                     recently released
                                                     movie, Saturday
                                                     night (1 day) rate.
                                                     Non-member fee.
    Video Recorder................................  Price for VCR with 4
                                                     video heads, double
                                                     azimuth, unified TV/
                                                     VCR remote, one-
                                                     year eight event
                                                     timer, auto
                                                     tracking, LED
                                                     display, and HI-FI
                                                     stereo.
                                                    1st choice: Zenith
                                                     Model #VRm4120.
                                                    2nd choice: Sony
                                                     Model #SLV720HF.
    Compact Disc..................................  Regular price for a
                                                     current best-
                                                     selling CD. Not
                                                     sale price. Do not
                                                     price double CD.
                                                    Example: VS. by
                                                     Pearl Jam, Purple
                                                     by Stone Temple
                                                     Pilots.
                                                    Please record title
                                                     in comment section.
    Compact Disc Player...........................  Price 5 disc CD
                                                     player with rotary
                                                     changer system, 10
                                                     key access, 32
                                                     track programming,
                                                     8 times
                                                     oversampling, and a
                                                     remote.
                                                    1st choice: Sony
                                                     Model #CDPC545.
                                                    2nd choice:
                                                     Panasonic-Technics
                                                     Model #SLPD867.
    Color Television..............................  Price for 20'' table
                                                     model color TV with
                                                     a remote, auto
                                                     channel search,
                                                     closed captions,
                                                     sleep timer, on-
                                                     screen channel/time
                                                     and menus, channel
                                                     flashback, and 181
                                                     channel tuning.
                                                    1st choice: Zenith
                                                     Model #SM52049.
                                                    2nd choice: Sony
                                                     Model #KV20TS29.
    Basic Cable Service...........................  Price for one month
                                                     of basic cable
                                                     channel TV. Do not
                                                     include hookup
                                                     charges or premium
                                                     channels.
    Veterinary Services...........................  Typical fee for
                                                     general office
                                                     visit for a
                                                     heartworm test for
                                                     a small dog.
                                                     Include the cost of
                                                     the office visit.
    Pet Food......................................  Price for 5.5 oz.
                                                     can of cat food.

[[Page 61364]]

                                                    1st choice: Purina.
                                                    2nd choice: 9 Lives.
    Film Developing...............................  Price to process and
                                                     print 35
                                                     millimeter, 24
                                                     exposure, 100 ASA
                                                     color. Single
                                                     prints only please.
    Camera Film...................................  Price for 35
                                                     millimeter, 24
                                                     exposure, 100 ASA
                                                     Kodak camera film.
    Tennis Balls..................................  Price for can of
                                                     three heavy-duty
                                                     felt, yellow,
                                                     tennis balls.
                                                    1st choice: Wilson.
                                                    2nd choice: Penn.
    Board Game....................................  Price for Monopoly
                                                     board game by
                                                     Parker Brothers. Do
                                                     not price deluxe
                                                     edition.
    Book..........................................  Price for top ten
                                                     best selling
                                                     paperback book.
    Magazine......................................  Price for a single
                                                     copy of Time
                                                     magazine.
    Local Newspaper...............................  Price for one year
                                                     of the most common
                                                     daily paper
                                                     (including Sunday
                                                     edition)
                                                     distributed in the
                                                     area. Report the
                                                     name of the
                                                     newspaper in the
                                                     comment section.
Miscellaneous Expense Component:
    Pain Reliever.................................  Price for 60 tablets
                                                     of extra-strength
                                                     Tylenol. Do not
                                                     price caplets or
                                                     gelcaps.
    Tetracycline, prescription....................  Price of 40 capsules
                                                     of tetracycline,
                                                     250 milligram
                                                     strength. Report
                                                     price for most
                                                     common national
                                                     brand sold.
    Optometrist, office visit.....................  Typical fee for
                                                     visual analysis
                                                     including
                                                     tonometry,
                                                     refraction and
                                                     glaucoma screening.
    Dentist, clean and check teeth................  Charge for x-rays,
                                                     exam and
                                                     prophylaxis (light
                                                     scaling and
                                                     polishing) or
                                                     ``cleaning of
                                                     teeth'' without
                                                     special treatment
                                                     of gums or teeth.
                                                     Do not price
                                                     initial visit.
    Doctor, office visit..........................  Typical fee, after
                                                     the initial visit,
                                                     for an office visit
                                                     when medical advice
                                                     or simple treatment
                                                     is needed. Do not
                                                     include the charge
                                                     for a regular
                                                     physical
                                                     examination,
                                                     injections,
                                                     medication or lab
                                                     tests (routine
                                                     brief visit). Price
                                                     general
                                                     practitioner, do
                                                     not price
                                                     specialist.
    Hospital Room.................................  Daily charge for a
                                                     private room.
                                                     Include food and
                                                     routine care.
                                                     Exclude cost of
                                                     operating room,
                                                     surgery, medicine
                                                     and lab fees.
Housing-Related Component:
    Bathroom Caulking.............................  Price a 5.5 ounce
                                                     plastic tube of
                                                     latex white
                                                     bathroom caulking.
                                                     This is not a caulk
                                                     gun cartridge.
                                                    Possible Brand: DAP
                                                     Kwik Seal Tub &
                                                     Tile.
    Computation of Electric Bill..................  Average monthly
                                                     consumption:
                                                    Customer service
                                                     charge (single
                                                     phase service):
                                                    Cost for first KWH:
                                                    Cost for over first
                                                     KWH:
                                                    Other items included
                                                     on bill:
                                                    Comments:
    Computation of Gas Bill.......................  Average monthly
                                                     consumption:
                                                    Customer service
                                                     charge:
                                                    Cost for first Cu.
                                                     Ft.:
                                                    Cost for over first
                                                     Cu. Ft.:
                                                    Other items included
                                                     on bill:
                                                    Comments:
    Computation of Water Bill.....................  Average monthly
                                                     consumption:
                                                    Customer service
                                                     charge:
                                                    Cost for first ____
                                                     Gallons:
                                                    Cost for over ____
                                                     Gallons:
                                                    Other items included
                                                     on bill:
                                                    Comments:
    Electrical Outlet.............................  Please price a 2-
                                                     plug grounded
                                                     electrical outlet.
                                                     Medium priced.
                                                     Price blister pack
                                                     or cardboard
                                                     mounted
                                                     (individually
                                                     packaged). Do not
                                                     price loose
                                                     electric outlet.
                                                    Possible brands: GE,
                                                     Levitron.
    Electrical Work...............................  Price to add circuit
                                                     breaker for
                                                     dishwasher. Cut \3/
                                                     4\ inch hole in
                                                     wooden floor for
                                                     cable. Connect
                                                     dishwasher directly
                                                     to power box (power
                                                     box is easy to
                                                     reach). Exclude
                                                     cost of materials.
    Fire Extinguisher.............................  Please price a fire
                                                     extinguisher with a
                                                     UL rating of 10BC,
                                                     2.5 pound size.
                                                    Suggested brand:
                                                     Kidde.
    Interior Painting.............................  Price to paint 12'
                                                     x  14' living room
                                                     with 8' ceilings.
                                                     Walls are plaster
                                                     or drywall in good
                                                     repair. Two
                                                     standard sized sash
                                                     windows, one
                                                     picture window, one
                                                     standard wood door.
                                                     Rooms have simple
                                                     wood baseboards and
                                                     trim. Existing
                                                     paint is latex,
                                                     flat white, smooth
                                                     finish, about three
                                                     years old. Trim
                                                     paint is latex,
                                                     white, gloss
                                                     enamel, about three
                                                     years old. Walls
                                                     and trim require no
                                                     surface
                                                     preparation. Obtain
                                                     labor rate per
                                                     hour, flat charge
                                                     if any, and
                                                     estimated time to
                                                     complete job.
    Latex Interior Paint..........................  Please price one
                                                     gallon white,
                                                     interior flat latex
                                                     paint.
                                                    Price a national
                                                     brand with one coat
                                                     coverage.
                                                    Possible brands:
                                                     Dutch Boy, Gildden.
    Pest Control..................................  Price for basic pest
                                                     control maintenance
                                                     (one visit to
                                                     control crawling
                                                     insects, not wood
                                                     eating), based on
                                                     the inside of a
                                                     1,200 sq. ft.
                                                     single story home.
                                                     Price followup
                                                     maintenance only,
                                                     not the initial
                                                     application.
    Unclog Drain..................................  Price to unclog
                                                     kitchen sink drain
                                                     by mechanical means
                                                     (snake, auger,
                                                     etc.). Only include
                                                     pipe removal to
                                                     access trap if
                                                     necessary.
    Kitchen Faucet................................  Price a Peerless
                                                     single control
                                                     chrome-plated
                                                     faucet with spray.
                                                     Faucet is solid
                                                     brass and stainless
                                                     steel quality
                                                     construction with
                                                     copper waterways,
                                                     washerless design
                                                     and triple chrome
                                                     plating. Warrantied
                                                     for as long as the
                                                     home is owned.

[[Page 61365]]

    Real Estate Taxes.............................  Call the local tax
                                                     assessor office and/
                                                     or local tax
                                                     collector/treasurer
                                                     for each living
                                                     community in the
                                                     report. Request the
                                                     current real
                                                     property tax rate,
                                                     any special charges
                                                     that are added to
                                                     the tax bill and
                                                     any homestead
                                                     credits that might
                                                     be deducted from
                                                     the bill. Ask when
                                                     properties were
                                                     last assessed and
                                                     what base year tax
                                                     rate should be
                                                     applied to. Request
                                                     information as to
                                                     what month rates
                                                     are certified and
                                                     when bills are
                                                     mailed. Verify any
                                                     significant
                                                     increases or
                                                     decreases from
                                                     previous records.
    Long Distance Telephone.......................  Price the cost of a
                                                     10 minute call,
                                                     received on a
                                                     weekday, at each
                                                     location at 8:00
                                                     p.m. (local time);
                                                     direct dial from
                                                     the location being
                                                     surveyed to each of
                                                     the following
                                                     cities; New York,
                                                     Chicago and Los
                                                     Angeles. Include
                                                     any federal, state,
                                                     local or excise tax
                                                     that is applicable.
    Telephone Service.............................  Obtain monthly cost
                                                     for unmeasured
                                                     service, for
                                                     touchtone service,
                                                     and for tax.
    Homeowner Insurance...........................  For each community
                                                     surveyed based on
                                                     income level,
                                                     secure the annual
                                                     renewal premium for
                                                     HO-2 type coverage.
                                                     If the company does
                                                     not refer to the
                                                     coverage as HO-2
                                                     obtain the cost for
                                                     a comprehensive
                                                     coverage that
                                                     covers ``all risk
                                                     for dwelling and
                                                     named peril for
                                                     contents'' with
                                                     contents at
                                                     replacement value.
    Renter Insurance..............................  For each living
                                                     community surveyed
                                                     based on income
                                                     level, provide
                                                     renter housing
                                                     profile and
                                                     insurance cost
                                                     (semiannual or
                                                     other). Assume HO-4-
                                                     type coverage.
Homeowners:
    The profiles for each of the home sizes costed
     are as follows:
        Low.......................................  900 (Sq. Ft.)
        Mid.......................................  1,300 (Sq. Ft.)
        High......................................  1,700 (Sq. Ft.)
    The worksheet components for data collection
     are as follows:
        (1) Address
        (2) Selling Price
        (3) Sale Date
        (4) Age
        (5) Room Count (broken down into bedrooms
         and baths)
        (6) Square Footage
        (7) Price Per Square Foot
    Information was collected through various
     sources--Real Estate Professionals,
     Appraisers, MLS data, assessors' offices and
     private sources.
Data Collection for Aged Mortgages:
    The worksheet components for data collection
     for aged mortgages are as follows:
        (1) Address
        (2) Selling Price
        (3) Sale Date
        (4) Age
        (5) Room Count (broken down into bedrooms
         and baths)
        (6) Square Footage
        (7) Price Per Square Foot
Transportation Component:
    Vehicles......................................  1994 Honda Civic DX
                                                     four door sedan,
                                                     1.5 Liter 4
                                                     Cylinder.
                                                    1994 Ford Taurus GL
                                                     four door sedan,
                                                     3.0 Liter 6
                                                     Cylinder.
                                                    1994 Chevrolet S10
                                                     Blazer Two Door,
                                                     four wheel drive,
                                                     4.3 Liter 6
                                                     Cylinder.
    Base Price....................................  Obtain the base
                                                     price
                                                     (Manufacturer's
                                                     Suggested Retail
                                                     Price) for each
                                                     vehicle.
    Options.......................................  For each vehicle,
                                                     price the following
                                                     options: air
                                                     conditioning, AM/FM
                                                     stereo radio, power
                                                     steering, tinted
                                                     glass, power disc
                                                     brakes,
                                                     rustproofing and
                                                     other options.
    Fees..........................................  For each vehicle,
                                                     price the following
                                                     options:
                                                     destination charge,
                                                     shipping charge,
                                                     dealer markup,
                                                     documentation fees
                                                     and other one-time
                                                     fees.
    Taxes.........................................  For each vehicle,
                                                     price the following
                                                     taxes: excise tax,
                                                     import/customs tax,
                                                     use tax, sales tax
                                                     and other one-time
                                                     taxes.
    Specifications................................  For each vehicle,
                                                     obtain the
                                                     following
                                                     information:
                                                     length, wheelbase,
                                                     tires, curb weight,
                                                     horsepower, fuel
                                                     type and fuel
                                                     performance (mpg).
    Depreciation..................................  For each vehicle,
                                                     compute the
                                                     residual value
                                                     after 12, 24, 36
                                                     and 48 months
                                                     respectively.
    Gasoline......................................  For each station
                                                     name/brand, price
                                                     regular unleaded
                                                     self-service.
    Tune-Up.......................................  For each vehicle,
                                                     price a basic tune-
                                                     up. Include parts
                                                     and labor for the
                                                     following: replace
                                                     spark plugs, PCV
                                                     valve, fuel filter,
                                                     air filter, and
                                                     breather filter.
                                                     Check distributor
                                                     cap, rotor, timing,
                                                     and idle.
    Oil Change....................................  For each vehicle,
                                                     price an oil
                                                     change. Include
                                                     parts and labor for
                                                     the following:
                                                     drain old oil,
                                                     replace oil filter
                                                     and refill with
                                                     five quarts of
                                                     10W30 SG grade oil.
                                                     If SG grade is
                                                     unavailable, price
                                                     SF grade oil.
    Change Automatic Transmission Fluid...........  For each vehicle,
                                                     price to change
                                                     automatic
                                                     transmission fluid.
                                                     Include parts and
                                                     labor for the
                                                     following: remove
                                                     transmission pan,
                                                     drain transmission
                                                     fluid, replace
                                                     transmission
                                                     filter, replace
                                                     transmission pan
                                                     gasket, replace
                                                     transmission fluid,
                                                     and test vehicle.

[[Page 61366]]

    Coolant Flush and Fill........................  For each vehicle,
                                                     price to flush and
                                                     fill engine
                                                     coolant. Include
                                                     parts and labor for
                                                     the following:
                                                     remove old coolant,
                                                     flush contaminants,
                                                     and replace with
                                                     new coolant.
    Muffler System................................  For each vehicle,
                                                     price a complete
                                                     muffler system.
                                                     Include parts and
                                                     labor for the
                                                     following: install
                                                     all parts after the
                                                     catalytic
                                                     converter. These
                                                     parts include mid
                                                     pipes, clamps,
                                                     muffler, and tail
                                                     pipes.
    Miscellaneous Tax.............................  For each vehicle,
                                                     price miscellaneous
                                                     tax. Tell how rate
                                                     is determined, give
                                                     formula for new
                                                     vehicle purchase,
                                                     give formula for
                                                     subsequent year (2
                                                     to 5) and explain
                                                     billing.
    Tires.........................................  Price a P175/70R13
                                                     for the Honda
                                                     Civic. Price a P205/
                                                     70R15 for the Ford
                                                     Taurus L. Price a
                                                     P235/R15 for the
                                                     Chevrolet S10
                                                     Blazer in DC area.
    License and Registration......................  For each vehicle,
                                                     price title fee,
                                                     passenger vehicle
                                                     registration fees,
                                                     plate fees,
                                                     inspection fees,
                                                     administration/
                                                     clerical/other fees
                                                     and local added
                                                     fees. Specify if
                                                     one-time or annual.
                                                     List any exceptions
                                                     if the Blazer is
                                                     not registered as a
                                                     passenger vehicle.
    Automobile Finance............................  Obtain the rate for
                                                     a four year loan
                                                     based on a down
                                                     payment of 20
                                                     percent. Assume the
                                                     loan applicant is a
                                                     current bank
                                                     customer who will
                                                     make payments by
                                                     cash/check and not
                                                     by automatic
                                                     deduction from the
                                                     account.
    Automobile Insurance..........................  For each vehicle,
                                                     price insurance
                                                     coverage identified
                                                     below. Assume that
                                                     vehicles are used
                                                     in commuting 15
                                                     miles/day, 12,000
                                                     miles/year and that
                                                     the driver is a 35-
                                                     year-old married
                                                     male with no
                                                     accidents or
                                                     violations in the
                                                     last five years.
                                                     When there is a
                                                     geographic
                                                     difference, obtain
                                                     rates for two
                                                     different living
                                                     communities.
                                                     Include related
                                                     expense fees and
                                                     taxes.
                                                    Bodily Injury,
                                                     $100,000/$300,000.
                                                    Property Damage,
                                                     $25,000.
                                                    Medical, $15,000 or
                                                     Personal Injury
                                                     Protection,
                                                     $50,000.
                                                    Uninsured Motorist,
                                                     $100/$300,000.
                                                    Comprehensive, $100
                                                     Deductible.
                                                    Collision, $250
                                                     Deductible.
    Round-Trip Airfare............................  Price for lowest
                                                     cost round trip
                                                     ticket to Los
                                                     Angeles, CA.
                                                     Disregard
                                                     restrictions.
------------------------------------------------------------------------

                      Appendix 6.--Pricing Changes
       [Foods and Services/Miscellaneous Expenses/Housing Related]
------------------------------------------------------------------------
          Previous                   Current               Reason
------------------------------------------------------------------------
1. Cheddar Cheese:
    Per pound...............  10 oz. package......  New packaging.
2. Donuts:
    12 glazed...............  10 chocolate covered  Discontinued.
3. Appliance Repair:
    Price to replace oven     Price to replace      More comparable
     thermostat control for    digital clock and     item.
     Maytag Model #CRE9400.    heating probe for
     Include hourly rate,      Maytag Model
     trip charge, and parts    #CRE9400ACL, Serial
     cost. Part Number         #1000100HB, Series
     #7430P010-60.             #10. Include hourly
                               rate, trip charge,
                               and parts cost..
4. Washing Machine:
    3 wash cycles...........  8 wash cycles.......  Better description.
    Maytag #LAT7793.........  Maytag #LAT9604.....  New model number.
    General Electric          General Electric      New model Number.
     #WWA7600R.                #WWA8600.
    Whirlpool #LLR6233A.....  Whirlpool #LLR6233B.  New model number.
5. Kitchen Range:
    General Electric          General Electric      Model number
     #JBP5565.                 #JBP55GS.             clarification.
6. Refrigerator:
    Whirlpool #ET22RKXZ.....  Whirlpool #ET22RKXB.  New model number.
7. Vacuum:
    Hoover #U4671-910.......  Hoover #U4671-930...  New model number.
8. Girl's Jeans:
    Price of Levi's #902      Price of Levi's       Discontinued.
     basic relaxed taper       #550..
     jean, two back pockets
     and two front pockets.
9. Disposable Diapers:
    44 count................  40 count............  Product marketing
                                                     change.
10. Video Recorder:
    Zenith #VRL4110.........  Zenith #VRM4120.....  New model number.
    Sony #SLV700HF..........  Sony #SLV720HF......  New model number.
11. Compact Disc:
    ``Janet'' by Janet        ``VS.'' by Pearl Jam  Current bestselling
     Jackson.                                        titles.
    ``Unplugged'' by Rod      ``Purple'' by Stone
     Stewart.                  Temple Pilots.
12. Compact Disc Player:
    Sony #CDPC535...........  Sony #CDPC545.......  New model number.
    Panisonic-Technics        Panisonic-Technics    New model number.
     #SLPD847.                 #SLPS867.
13. Color Television:
    Zenith #SLS2049.........  Zenith #SMS2049.....  New model number.
14. Bathroom Caulking:

[[Page 61367]]

    Price an 8 ounce tube of  Price a 5.5 ounce     New Size and more
     specific white bathroom   plastic tube of       description.
     caulking, most popular    latex white
     brand.                    bathroom caulking.
                               (Not a caulk gun
                               cartridge.)
                               Suggested brand:
                               DAP KWIK SEAL Tub &
                               Tile.
15. Interior Painting:
    Obtain labor rate, per    Flat charge for       More specific
     hour, flat charge, if     painting standard     discription.
     any, and estimated time   living room. If
     to complete the job.      flat fee
                               unavailable, obtain
                               hourly rate and the
                               total hours
                               necessary to
                               complete job.
------------------------------------------------------------------------

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

Survey Description

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

Purpose

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

Data Collection

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

Release of Information

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

Public Burden Information

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

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

Interview Guidelines

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

Price Information Collection

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

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

    Example of services include, but are not limited to:

Woman's Haircut and Styling.
    ``Regular service'' price for a woman's cut and style blow dry.
Include wash, but do not include use of curling iron if there is an
extra charge.
Unclog Drain.
    Price to unclog kitchen drain by mechanical means (snake, auger,
etc.). Only include pipe removal of necessary to access trap.
Film Developing.
    Price to process and print 35 millimeter, 24 exposure, 100 ASA
color roll film. Single prints only, standard size and finish.
Doctor, Office Visit.
    Typical fee, after the initial visit, for an office visit when
medical advice or simple treatment is all that is needed. Do not
include the charge for a complete physical examination, injections,
medication, laboratory tests, or similar services.
Oil Change.
    Price of a regular oil change including oil and filter for a
current year model Honda Civic DX sedan, 1.5 liter, 4 cylinder
engine.

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

Housing Component--Rental Information Collection

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

Housing Component--Information Collection for Comparable Sales

    1. Describe the location, size, layout, number and types of
rooms, and square footage of some your recent home sales.

[[Page 61368]]

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

BILLING CODE 6325-01-U-M

[[Page 61369]]
[GRAPHIC][TIFF OMITTED]TN29NO95.000

[[Page 61370]]
[GRAPHIC][TIFF OMITTED]TN29NO95.001

[[Page 61371]]
[GRAPHIC][TIFF OMITTED]TN29NO95.002

[[Page 61372]]
[GRAPHIC][TIFF OMITTED]TN29NO95.003

BILLING CODE 6325-01-C

[[Page 61373]]

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

Survey Description

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

Purpose

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

Data Collection

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

Confidentiality

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

Public Burden Information

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

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

Interview Guidelines

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

Product or Service Information

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

Outlet Availability and Usage (Retail)

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

Transportation Information--Private and Public Services

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

Transportation Information--Private Use and Maintenance

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

Local Taxes and Fees

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

Mortgage Information

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

Real Estate Information

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

[[Page 61374]]
total square footage, lot size, type of construction, and similar
characteristics?
    5. What types of utilities are available and typically used in
these communities: sewer, water, natural gas, electricity, other?
    6. Are there any unusual factors that might affect maintenance
requirements in your area?
    7. Looking back six years, describe the changes that
significantly affected the housing market (both rental and owner
markets).
    8. Is there anything else we should know about the housing
market in your area? Are there suggestions or recommendations you
wish to make concerning our data collection?

Other Types of Information

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

BILLING CODE 6325-01-U-M

[[Page 61375]]
[GRAPHIC][TIFF OMITTED]TN29NO95.004

BILLING CODE 6325-01-U-M



[[Page 61376]]
                                                  Appendix 8.--Consumption Goods and Services Analysis
                                                      [Location: Honolulu, HI; Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income
                          Categories                             Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
 1. Food At Home.............................................       138.56        26.40        36.59        23.49        32.55        20.65        28.61
 2. Food Away From Home......................................       109.22        14.42        15.75        14.73        16.09        15.04        16.42
 3. Tobacco..................................................       106.01         3.15         3.34         2.59         2.75         2.05         2.17
 4. Alcohol..................................................       109.81         2.77         3.04         2.73         3.00         2.69         2.95
 5. Furnishings and Household Operations.....................       114.96        14.71        16.91        15.79        18.15        16.85        19.37
 6. Clothing.................................................       104.13        13.97        14.55        14.65        15.25        15.30        15.94
 7. Domestic Services........................................        99.58         1.76         1.75         1.90         1.89         2.04         2.03
 8. Professional Services....................................       113.85         6.48         7.37         6.65         7.57         6.82         7.77
 9. Personal Care............................................       110.26         3.62         3.99         3.52         3.89         3.43         3.78
10. Recreation...............................................       102.47        12.72        13.04        13.94        14.29        15.14        15.51
                                                              ------------------------------------------------------------------------------------------
    Total Weights............................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
    Total Indexes:
      Lower..................................................  ...........  ...........       116.33  ...........  ...........  ...........  ...........
      Middle:................................................  ...........  ...........  ...........  ...........       115.43  ...........  ...........
      Upper:.................................................  ...........  ...........  ...........  ...........  ...........  ...........       114.55
--------------------------------------------------------------------------------------------------------------------------------------------------------

                                                         Consumption Goods and Services Analysis
                                                        [Location: Hilo, HI; Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income
                          Categories                             Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
 1. Food At Home.............................................       135.04        26.40        35.66        23.49        31.73        20.65        27.88
 2. Food Away From Home......................................       113.98        14.42        16.44        14.73        16.79        15.04        17.14
 3. Tobacco..................................................       103.76         3.15         3.27         2.59         2.69         2.05         2.13
 4. Alcohol..................................................       102.46         2.77         2.84         2.73         2.80         2.69         2.76
 5. Furnishings and Household Operations.....................       118.21        14.71        17.39        15.79        18.66        16.85        19.91
 6. Clothing.................................................        97.91        13.97        13.68        14.65        14.34        15.30        14.98
 7. Domestic Services........................................        69.62         1.76         1.22         1.90         1.32         2.04         1.42
 8. Professional Services....................................       104.03         6.48         6.74         6.65         6.92         6.82         7.10
 9. Personal Care............................................       112.19         3.62         4.06         3.52         3.95         3.43         3.85
10. Recreation...............................................       109.91        12.72        13.98        13.94        15.33        15.14        16.64
                                                              ------------------------------------------------------------------------------------------
    Total Weights............................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
    Total Indexes:
      Lower..................................................  ...........  ...........       115.28  ...........  ...........  ...........  ...........
      Middle.................................................  ...........  ...........  ...........  ...........       114.53  ...........  ...........
      Upper..................................................  ...........  ...........  ...........  ...........  ...........  ...........       113.81
--------------------------------------------------------------------------------------------------------------------------------------------------------

                                                         Consumption Goods and Services Analysis
                                                     [Location: Kailua Kona, HI; Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income
                          Categories                             Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
 1. Food At Home.............................................       133.51        26.40        35.25        23.49        31.37        20.65        27.56
 2. Food Away From Home......................................       124.38        14.42        17.94        14.73        18.32        15.04        18.70
 3. Tobacco..................................................       100.94         3.15         3.18         2.59         2.62         2.05         2.07
 4. Alcohol..................................................       112.56         2.77         3.11         2.73         3.07         2.69         3.03
 5. Furnishings and Household Operations.....................       108.09        14.71        15.90        15.79        17.07        16.85        18.21
 6. Clothing.................................................       103.52        13.97        14.46        14.65        15.16        15.30        15.84
 7. Domestic Services........................................        97.88         1.76         1.72         1.90         1.86         2.04         1.99
 8. Professional Services....................................       104.48         6.48         6.77         6.65         6.95         6.82         7.13
 9. Personal Care............................................       113.86         3.62         4.12         3.52         4.01         3.43         3.90
10. Recreation...............................................       107.02        12.72        13.62        13.94        14.92        15.14        16.20
                                                              ------------------------------------------------------------------------------------------
    Total Weights............................................  ...........       100.00  ...........       100.00  ...........        100.0  ...........
                                                              ------------------------------------------------------------------------------------------

[[Page 61377]]

    Total Indexes:
      Lower..................................................  ...........  ...........       116.07  ...........  ...........  ...........  ...........
      Middle.................................................  ...........  ...........  ...........  ...........       115.35  ...........  ...........
      Upper..................................................  ...........  ...........  ...........  ...........  ...........  ...........       114.63
--------------------------------------------------------------------------------------------------------------------------------------------------------

                                  Consumption Goods and Services Cost Analysis
                                  [Hawaii County Composite; Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
                                                                                       Total indexes
                                                                          --------------------------------------
                          Location                              Weights       Lower        Middle       Upper
                                                                              income       income       income
----------------------------------------------------------------------------------------------------------------
Hilo, HI....................................................        83.17       115.28       114.53       113.81
Kailua Kona, HI.............................................        16.83       116.07       115.35       114.63
                                                             ---------------------------------------------------
    Total Weight............................................       100.00  ...........  ...........  ...........
                                                             ---------------------------------------------------
    Composite Indexes.......................................  ...........       115.41       114.67       113.95
----------------------------------------------------------------------------------------------------------------

                                                         Consumption Goods and Services Analysis
                                                    [Location: Kauai County, HI; Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income
                          Categories                             Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
 1. Food At Home.............................................       146.40        26.40        38.66        23.49        34.39        20.65        30.22
 2. Food Away From Home......................................       112.38        14.42        16.21        14.73        16.56        15.04        16.90
 3. Tobacco..................................................       108.60         3.15         3.42         2.59         2.81         2.05         2.22
 4. Alcohol..................................................       106.68         2.77         2.95         2.73         2.91         2.69         2.87
 5. Furnishings and Household Operations.....................       108.87        14.71        16.01        15.79        17.19        16.85        18.34
 6. Clothing.................................................       101.99        13.97        14.25        14.65        14.94        15.30        15.61
 7. Domestic Services........................................        81.30         1.76         1.43         1.90         1.54         2.04         1.66
 8. Professional Services....................................       108.00         6.48         7.00         6.65         7.18         6.82         7.37
 9. Personal Care............................................       113.98         3.62         4.13         3.52         4.02         3.43         3.91
10. Recreation...............................................       118.84        12.72        15.12        13.94        16.57        15.14        17.99
                                                              ------------------------------------------------------------------------------------------
    Total Weights............................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
    Total Indexes:
      Lower..................................................  ...........  ...........       119.18  ...........  ...........  ...........  ...........
      Middle.................................................  ...........  ...........  ...........  ...........       118.11  ...........  ...........
      Upper..................................................  ...........  ...........  ...........  ...........  ...........  ...........       117.09
--------------------------------------------------------------------------------------------------------------------------------------------------------

                                                         Consumption Goods and Services Analysis
                                                     [Location: Maui County, HI; Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income
                          Categories                             Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
 1. Food At Home.............................................       141.63        26.40        37.40        23.49        33.27        20.65        29.24
 2. Food Away From Home......................................       121.22        14.42        17.48        14.73        17.86        15.04        18.23
 3. Tobacco..................................................       107.83         3.15         3.39         2.59         2.79         2.05         2.21
 4. Alcohol..................................................       110.66         2.77         3.06         2.73         3.02         2.69         2.98
 5. Furnishings and Household Operations.....................       122.95        14.71        18.08        15.79        19.41        16.85        20.71
 6. Clothing.................................................       102.60        13.97        14.34        14.65        15.03        15.30        15.70
 7. Domestic Services........................................        80.12         1.76         1.41         1.90         1.52         2.04         1.63
 8. Professional Services....................................       108.08         6.48         7.00         6.65         7.19         6.82         7.38
 9. Personal Care............................................       119.17         3.62         4.32         3.52         4.20         3.43         4.09
10. Recreation...............................................       108.14        12.72        13.76        13.94        15.08        15.14        16.37
                                                              ------------------------------------------------------------------------------------------

[[Page 61378]]

    Total Weights............................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
    Total Indexes:
      Lower..................................................  ...........  ...........       120.24  ...........  ...........  ...........  ...........
      Middle.................................................  ...........  ...........  ...........  ...........       119.37  ...........  ...........
      Upper..................................................  ...........  ...........  ...........  ...........  ...........  ...........       118.54
--------------------------------------------------------------------------------------------------------------------------------------------------------

                                                         Consumption Goods and Services Analysis
                                                          [Location: Guam; Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income
                          Categories                             Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
 1. Food At Home.............................................       125.92        26.40        33.25        23.49        29.58        20.65        26.00
 2. Food Away From Home......................................       109.05        14.42        15.73        14.73        16.07        15.04        16.40
 3. Tobacco..................................................        72.53         3.15         2.28         2.59         1.88         2.05         1.49
 4. Alcohol..................................................       103.82         2.77         2.87         2.73         2.83         2.69         2.79
 5. Furnishings and Household Operations.....................       138.20        14.71        20.33        15.79        21.82        16.85        23.28
 6. Clothing.................................................        96.01        13.97        13.42        14.65        14.06        15.30        14.69
 7. Domestic Services........................................       118.50         1.76         2.08         1.90         2.25         2.04         2.41
 8. Professional Services....................................        95.77         6.48         6.20         6.65         6.37         6.82         6.54
 9. Personal Care............................................       121.82         3.62         4.41         3.52         4.29         3.43         4.18
10. Recreation...............................................       121.10        12.72        15.41        13.94        16.89        15.14        18.33
                                                              ------------------------------------------------------------------------------------------
    Total Weights............................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
    Total Indexes:
      Lower..................................................  ...........  ...........       115.98  ...........  ...........  ...........  ...........
      Middle.................................................  ...........  ...........  ...........  ...........       116.04  ...........  ...........
      Upper..................................................  ...........  ...........  ...........  ...........  ...........  ...........       116.11
--------------------------------------------------------------------------------------------------------------------------------------------------------

                                                         Consumption Goods and Services Analysis
                                                      [Location: Mayaguez, PR; Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income
                          Categories                             Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
 1. Food At Home.............................................       104.58        26.40        27.61        23.49        24.57        20.65        21.59
 2. Food Away From Home......................................        88.23        14.42        12.72        14.73        13.00        15.04        13.27
 3. Tobacco..................................................       107.39         3.15         3.38         2.59         2.78         2.05         2.20
 4. Alcohol..................................................       108.70         2.77         3.01         2.73         2.97         2.69         2.92
 5. Furnishing and Household Operations......................        99.71        14.71        14.66        15.79        15.74        16.85        16.80
 6. Clothing.................................................        98.09        13.97        13.71        14.65        14.37        15.30        15.01
 7. Domestic Services........................................        58.95         1.76         1.04         1.90         1.12         2.04         1.20
 8. Professional Services....................................        56.14         6.48         3.64         6.65         3.73         6.82         3.83
 9. Personal Care............................................        71.78         3.62         2.60         3.52         2.53         3.43         2.46
10. Recreation...............................................        86.69        12.72        11.03        13.94        12.09        15.14        13.12
                                                              ------------------------------------------------------------------------------------------
    Total Weights............................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
    Total Indexes:
      Lower..................................................  ...........  ...........        93.40  ...........  ...........  ...........  ...........
      Middle.................................................  ...........  ...........  ...........  ...........        92.90  ...........  ...........
      Upper..................................................  ...........  ...........  ...........  ...........  ...........  ...........        92.40
--------------------------------------------------------------------------------------------------------------------------------------------------------

                                                         Consumption Goods and Services Analysis
                                                      [Location: San Juan, PR; Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income
                          Categories                             Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
 1. Food At Home.............................................       101.08        26.40        26.69        23.49        23.75        20.65       20.87

[[Page 61379]]

 2. Food Away From Home......................................       108.86        14.42        15.70        14.73        16.04        15.04        16.37
 3. Tobacco..................................................       110.75         3.15         3.49         2.59         2.87         2.05         2.27
 4. Alcohol..................................................       118.45         2.77         3.28         2.73         3.23         2.69         3.19
 5. Furnishings and Household Operations.....................       105.12        14.71        15.46        15.79        16.60        16.85        17.71
 6. Clothing.................................................       107.85        13.97        15.07        14.65        15.80        15.30        16.50
 7. Domestic Services........................................        62.32         1.76         1.10         1.90         1.18         2.04         1.27
 8. Professional Services....................................        78.84         6.48         5.11         6.65         5.24         6.82         5.38
 9. Personal Care............................................        96.36         3.62         3.49         3.52         3.40         3.43         3.30
10. Recreation...............................................       107.75        12.72        13.71        13.94        15.03        15.14        16.31
                                                              ------------------------------------------------------------------------------------------
    Total Weights............................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
    Total Indexes:
      Lower..................................................  ...........  ...........       103.10  ...........  ...........  ...........  ...........
      Middle.................................................  ...........  ...........  ...........  ...........       103.14  ...........  ...........
      Upper..................................................  ...........  ...........  ...........  ...........  ...........  ...........       103.17
--------------------------------------------------------------------------------------------------------------------------------------------------------

                                  Consumption Goods and Services Cost Analysis
                                   [Puerto Rico Composite; Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
                                                                                       Total indexes
                                                                          --------------------------------------
                          Location                              Weights       Lower        Middle       Upper
                                                                              income       income       income
----------------------------------------------------------------------------------------------------------------
San Juan, PR................................................        88.90       103.10       103.14       103.17
Mayaguez, PR................................................        11.10        93.40        92.90        92.40
                                                             ---------------------------------------------------
    Total Weight............................................       100.00  ...........  ...........  ...........
                                                             ---------------------------------------------------
    Composite Indexes.......................................  ...........       102.02       102.00       101.97
----------------------------------------------------------------------------------------------------------------

                                                         Consumption Goods and Services Analysis
                                                      [Location: St. Croix, VI; Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income
                          Categories                             Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
 1. Food At Home.............................................       121.97        26.40        32.20        23.49        28.65        20.65        25.18
 2. Food Away From Home......................................       107.78        14.42        15.54        14.73        15.88        15.04        16.21
 3. Tobacco..................................................        68.53         3.15         2.16         2.59         1.78         2.05         1.40
 4. Alcohol..................................................       100.33         2.77         2.78         2.73         2.74         2.69         2.70
 5. Furnishings & Household Operations.......................       120.56        14.71        17.73        15.79        19.03        16.85        20.31
 6. Clothing.................................................        81.43        13.97        11.38        14.65        11.93        15.30        12.46
 7. Domestic Services........................................        60.82         1.76         1.07         1.90         1.15         2.04         1.24
 8. Professional Services....................................        88.93         6.48         5.76         6.65         5.92         6.82         6.07
 9. Personal Care............................................        98.88         3.62         3.58         3.52         3.49         3.43         3.39
10. Recreation...............................................       101.11        12.72        12.86        13.94        14.10        15.14        15.31
                                                              ------------------------------------------------------------------------------------------
    Total Weights............................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
    Total Indexes:
      Lower..................................................  ...........  ...........       105.06  ...........  ...........  ...........  ...........
      Middle.................................................  ...........  ...........  ...........  ...........       104.67  ...........  ...........
      Upper..................................................  ...........  ...........  ...........  ...........  ...........  ...........       104.27
--------------------------------------------------------------------------------------------------------------------------------------------------------

                                                         Consumption Goods and Services Analysis
                                                       [Location: St. Thomas; Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income
                          Categories                             Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
 1. Food At Home.............................................       117.46        26.40        31.01        23.49        27.60        20.65        24.25

[[Page 61380]]

 2. Food Away From Home......................................       110.01        14.42        15.86        14.73        16.21        15.04        16.54
 3. Tobacco..................................................        60.96         3.15         1.92         2.59         1.58         2.05         1.25
 4. Alcohol..................................................       112.02         2.77         3.10         2.73         3.06         2.69         3.01
 5. Furnishings & Household Operations.......................       118.29        14.71        17.40        15.79        18.68        16.85        19.93
 6. Clothing.................................................        84.70        13.97        11.83        14.65        12.40        15.30        12.96
 7. Domestic Services........................................        81.95         1.76         1.44         1.90         1.56         2.04         1.67
 8. Professional Services....................................       118.25         6.48         7.66         6.65         7.87         6.82         8.07
 9. Personal Care............................................       113.47         3.62         4.11         3.52         4.00         3.43         3.89
10. Recreation...............................................       109.28        12.72        13.90        13.94        15.24        15.14        16.54
                                                              ------------------------------------------------------------------------------------------
    Total Weights............................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
    Total Indexes:
      Lower..................................................  ...........  ...........       108.23  ...........  ...........  ...........  ...........
      Middle.................................................  ...........  ...........  ...........  ...........       108.20  ...........  ...........
      Upper..................................................  ...........  ...........  ...........  ...........  ...........  ...........       108.11
--------------------------------------------------------------------------------------------------------------------------------------------------------

                                  Consumption Goods and Services Cost Analysis
                                 [Virgin Islands Composite; Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
                                                                                       Total indexes
                                                                          --------------------------------------
                          Location                              Weights       Lower        Middle       Upper
                                                                              income       income       income
----------------------------------------------------------------------------------------------------------------
St. Croix, VI...............................................        45.09       105.06       104.67       104.27
St. Thomas, VI..............................................        54.91       108.23       108.20       108.11
                                                             ---------------------------------------------------
    Total Weights...........................................       100.00  ...........  ...........  ...........
                                                             ---------------------------------------------------
    Composite Indexes.......................................  ...........       106.80       106.61       106.38
----------------------------------------------------------------------------------------------------------------

                                                         Consumption Goods and Services Analysis
                                                       [Location: Guam Blend*; Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income
                          Categories                             Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
 1. Food At Home.............................................        87.95        26.40        23.22        23.49        20.66        20.65        18.16
 2. Food Away From Home......................................       109.05        14.42        15.73        14.73        16.07        15.04        16.40
 3. Tobacco..................................................        51.99         3.15         1.64         2.59         1.35         2.05         1.06
 4. Alcohol..................................................       103.82         2.77         2.87         2.73         2.83         2.69         2.79
 5. Furnishings and Household Operations.....................       120.01        14.71        17.65        15.79        18.95        16.85        20.22
 6. Clothing.................................................        89.49        13.97        12.50        14.65        13.11        15.30        13.70
 7. Domestic Services........................................       118.50         1.76         2.08         1.90         2.25         2.04         2.41
 8. Professional Services....................................        95.77         6.48         6.20         6.65         6.37         6.82         6.54
 9. Personal Care............................................       110.89         3.62         4.02         3.52         3.91         3.43         3.80
10. Recreation...............................................       110.43        12.72        14.05        13.94        15.40        15.14        16.72
                                                              ------------------------------------------------------------------------------------------
    Total Weights............................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
    Total Indexes:
      Lower..................................................  ...........  ...........        99.96  ...........  ...........  ...........  ...........
      Middle.................................................  ...........  ...........  ...........       100.90  ...........  ...........  ...........
      Upper..................................................  ...........  ...........  ...........  ...........  ...........  ...........       101.80
--------------------------------------------------------------------------------------------------------------------------------------------------------
*Local Retail and Commissary/Exchange

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

[[Page 61381]]

    Renter...........................  Southeast DC...........  Northeast DC...........  Northwest DC.*
----------------------------------------------------------------------------------------------------------------
*Northwest DC excludes Georgetown, but includes Dupont Circle, Cleveland Park, and Adams Morgan.
================================================================================================================
Washington DC MD:
    Homeowner........................  Capitol Heights/.......  Gaithersburg/..........  Rockville.
                                       Suitland...............  Silver Spring..........
    Renter...........................  Capitol Heights/.......  Hyattsville/...........  Rockville.
                                       Suitland...............  College Park...........
Washington DC VA:
    Homeowner........................  Woodbridge/............  Springfield............  Alexandria.
                                       Dale City*.............    .....................
    Renter...........................  Woodbridge.............  Alexandria.............  Arlington.
Honolulu:
    Homeowner........................  Ewa Beach..............  Kaneohe................  Manoa/Kaimuki
                                       Waipahu................  Pearl City.............  Kailua*.
    Renter...........................  Pearl Harbor Area*.....  Alakea.................  Manoa.
                                       Kalihi.................  Kaneohe................  Aiea.
----------------------------------------------------------------------------------------------------------------
*Pearl Harbor Area excludes Aiea.
================================================================================================================
Hawaii County--Hilo:
    Homeowner........................  Hilo...................  Hilo...................  Hilo.
    Renter...........................  Hilo...................  Hilo...................  Hilo.
Hawaii County--Kailua Kona:
    Homeowner........................  Kailua Kona............  Kailua Kona............  Kailua Kona.
    Renter...........................  Kailua Kona............  Kailua Kona............  Kailua Kona.
Kauai:
    Homeowner........................  Kauai..................  Kauai..................  Kauai.
    Renter...........................  Kauai..................  Kauai..................  Kauai.
Maui:
    Homeowner........................  Maui...................  Maui...................  Maui.
    Renter...........................  Maui...................  Maui...................  Maui.
Guam:
    Homeowner........................  Guam...................  Guam...................  Guam.
    Renter...........................  Guam...................  Guam...................  Guam.
Puerto Rico--Mayaguez:
    Homeowner........................  Mayaguez...............  Mayaguez...............  Mayaguez.
    Renter...........................  Mayaguez...............  Mayaguez...............  Mayaguez.
Puerto Rico--San Juan:
    Homeowner........................  Carolina...............  Rio Piedras*...........  Guaynabo.
                                       Bayamon................  VA Hospital Area.......  Hato Rey.
    Renter...........................  Carolina...............  Rio Piedras............  Old San Juan.
                                       Rio Piedras Area.......  Isla Verde**...........  Condado.
----------------------------------------------------------------------------------------------------------------
*Rio Piedras excludes VA Hospital Area. **Isla Verde excludes the area on the Boulevard.
================================================================================================================
St. Croix:
    Homeowner........................  St. Croix..............  St. Croix..............  St. Croix.
    Renter...........................  St. Croix..............  St. Croix..............  St. Croix.
St. Thomas:
    Homeowner........................  St. Thomas.............  St. Thomas.............  St. Thomas.
    Renter...........................  St. Thomas.............  St. Thomas.............  St. Thomas.
----------------------------------------------------------------------------------------------------------------

                         Appendix 10.--Historical Home Market Values and Interest Rates
----------------------------------------------------------------------------------------------------------------
                                                      Interest
                 Area                      Year         rate          Income level         Market    Annual  P &
                                                     (percent)                             value          I*
----------------------------------------------------------------------------------------------------------------
Honolulu, HI.........................         1985       10.250  Lower................       86,657        7,455
                                                                 Middle...............      110,500        9,506
                                                                 Upper................      118,220       10,170
                                              1986       10.250  Lower................       97,229        8,364
                                                                 Middle...............      134,257       11,550
                                                                 Upper................      154,513       13,292
                                              1987       10.375  Lower................      107,837        9,373
                                                                 Middle...............      158,027       13,736
                                                                 Upper................      190,786       16,583
                                              1988       11.000  Lower................      118,445       10,829
                                                                 Middle...............      181,797       16,620
                                                                 Upper................      227,059       20,758

[[Page 61382]]

                                              1989       10.500  Lower................      154,366       13,556
                                                                 Middle...............      239,426       21,025
                                                                 Upper................      263,331       23,124
                                              1990       10.250  Lower................      216,113       18,591
                                                                 Middle...............      335,197       28,836
                                                                 Upper................      379,283       32,628
                                              1991        9.125  Lower................      207,000       16,169
                                                                 Middle...............      310,700       24,268
                                                                 Upper................      370,600       28,947
                                              1992        8.125  Lower................      211,347       15,065
                                                                 Middle...............      329,693       23,500
                                                                 Upper................      363,460       25,907
                                              1993        7.125  Lower................      202,041       13,067
                                                                 Middle...............      327,715       21,196
                                                                 Upper................      374,918       24,249
                                              1994        9.333  Lower................      251,919       20,042
                                                                 Middle...............      331,695       26,389
                                                                 Upper................      394,706       31,402
Hilo, HI.............................         1985       10.250  Lower................       41,496        3,570
                                                                 Middle...............       61,798        5,316
                                                                 Upper................       89,463        7,696
                                              1986       10.250  Lower................       50,459        4,341
                                                                 Middle...............       71,995        6,193
                                                                 Upper................       97,783        8,412
                                              1987       10.375  Lower................       59,435        5,166
                                                                 Middle...............       82,183        7,143
                                                                 Upper................      106,098        9,222
                                              1988       11.000  Lower................       68,410        6,254
                                                                 Middle...............       92,371        8,445
                                                                 Upper................      114,412       10,460
                                              1989       10.500  Lower................       77,386        6,796
                                                                 Middle...............      102,559        9,006
                                                                 Upper................      122,727       10,777
                                              1990       10.250  Lower................       67,714        5,825
                                                                 Middle...............      108,821        9,361
                                                                 Upper................      164,283       14,133
                                              1991        9.125  Lower................      134,100       10,474
                                                                 Middle...............      180,700       14,114
                                                                 Upper................      204,000       15,934
                                              1992        8.125  Lower................      130,743        9,319
                                                                 Middle...............      162,903       11,612
                                                                 Upper................      197,863       14,104
                                              1993        7.125  Lower................      127,854        8,269
                                                                 Middle...............      173,095       11,195
                                                                 Upper................      202,018       13,066
                                              1994        9.333  Lower................      114,696        9,125
                                                                 Middle...............      162,500       12,928
                                                                 Upper................      196,146       15,605
Kailua Kona, HI......................         1985       10.250  Lower................       65,336        5,621
                                                                 Middle...............       92,833        7,986
                                                                 Upper................       99,504        8,560
                                              1986       10.250  Lower................       77,097        6,632
                                                                 Middle...............      107,594        9,256
                                                                 Upper................      119,902       10,315
                                              1987       10.375  Lower................       88,880        7,725
                                                                 Middle...............      122,387       10,638
                                                                 Upper................      140,297       12,194
                                              1988       11.000  Lower................      100,662        9,203
                                                                 Middle...............      137,180       12,541
                                                                 Upper................      160,692       14,691
                                              1989       10.500  Lower................      112,444        9,874
                                                                 Middle...............      151,973       13,346
                                                                 Upper................      181,087       15,902
                                              1990       10.250  Lower................      134,609       11,580
                                                                 Middle...............      189,900       16,336
                                                                 Upper................      225,100       19,364
                                              1991        9.130  Lower................      154,800       12,097
                                                                 Middle...............      204,100       15,949
                                                                 Upper................      256,700       20,059
                                              1992        8.125  Lower................      159,867       11,395
                                                                 Middle...............      222,950       15,892

[[Page 61383]]

                                                                 Upper................      261,018       18,605
                                              1993        7.125  Lower................      153,666        9,939
                                                                 Middle...............      219,245       14,180
                                                                 Upper................      261,902       16,939
                                              1994        9.333  Lower................      152,235       12,111
                                                                 Middle...............      215,826       17,171
                                                                 Upper................      224,128       17,831
Kauai County, HI.....................         1985       10.250  Lower................       55,280        4,756
                                                                 Middle...............       69,756        6,001
                                                                 Upper................       95,904        8,250
                                              1986       10.250  Lower................       68,105        5,859
                                                                 Middle...............       88,032        7,573
                                                                 Upper................      105,494        9,075
                                              1987       10.375  Lower................       78,576        6,830
                                                                 Middle...............      106,294        9,239
                                                                 Upper................      121,318       10,545
                                              1988       11.000  Lower................       91,046        8,324
                                                                 Middle...............      124,556       11,387
                                                                 Upper................      145,581       13,309
                                              1989       10.500  Lower................      103,516        9,090
                                                                 Middle...............      142,818       12,542
                                                                 Upper................      177,900       15,622
                                              1990       10.250  Lower................      177,351       15,257
                                                                 Middle...............      233,846       20,117
                                                                 Upper................      295,854       25,451
                                              1991        9.125  Lower................      174,336       13,617
                                                                 Middle...............      229,900       17,957
                                                                 Upper................      290,800       22,714
                                              1992        8.125  Lower................      171,792       12,245
                                                                 Middle...............      221,624       15,797
                                                                 Upper................      273,921       19,525
                                              1993        7.125  Lower................      171,964       11,122
                                                                 Middle...............      221,858       14,349
                                                                 Upper................      274,195       17,734
                                              1994        9.333  Lower................      163,350       12,996
                                                                 Middle...............      222,196       17,677
                                                                 Upper................      255,000       20,287
Maui County, HI......................         1985       10.250  Lower................       83,407        7,175
                                                                 Middle...............      110,670        9,520
                                                                 Upper................      139,174       11,973
                                              1986       10.250  Lower................       91,748        7,893
                                                                 Middle...............      121,737       10,473
                                                                 Upper................      153,091       13,170
                                              1987       10.375  Lower................      100,293        8,717
                                                                 Middle...............      133,911       11,639
                                                                 Upper................      168,401       14,637
                                              1988       11.000  Lower................      121,107       11,072
                                                                 Middle...............      160,693       14,691
                                                                 Upper................      202,081       18,475
                                              1989       10.500  Lower................      151,384       13,294
                                                                 Middle...............      200,866       17,639
                                                                 Upper................      252,601       22,182
                                              1990       10.250  Lower................      174,092       14,976
                                                                 Middle...............      230,996       19,872
                                                                 Upper................      290,491       24,990
                                              1991        9.125  Lower................      210,651       16,454
                                                                 Middle...............      279,500       21,831
                                                                 Upper................      351,494       27,455
                                              1992        8.125  Lower................      207,913       14,820
                                                                 Middle...............      275,925       19,668
                                                                 Upper................      346,925       24,729
                                              1993        7.125  Lower................      180,099       11,648
                                                                 Middle...............      255,476       16,523
                                                                 Upper................      310,845       20,105
                                              1994        9.333  Lower................      180,000       14,320
                                                                 Middle...............      250,588       19,936
                                                                 Upper................      278,443       22,152
Guam.................................         1985       10.250  Lower................       59,421        5,112
                                                                 Middle...............       72,445        6,232
                                                                 Upper................      154,895       13,325
                                              1986       10.250  Lower................       65,363       5,623

[[Page 61384]]

                                                                 Middle...............       79,689        6,855
                                                                 Upper................      170,384       14,657
                                              1987       10.375  Lower................       74,841        6,505
                                                                 Middle...............       91,802        7,979
                                                                 Upper................      188,786       16,409
                                              1988       11.000  Lower................       84,271        7,704
                                                                 Middle...............      103,920        9,501
                                                                 Upper................      207,287       18,951
                                              1989       10.375  Lower................       93,709        8,145
                                                                 Middle...............      116,079       10,089
                                                                 Upper................      225,735       19,621
                                              1990       10.500  Lower................      103,174        9,060
                                                                 Middle...............      128,151       11,254
                                                                 Upper................      244,245       21,448
                                              1991       10.125  Lower................      113,491        9,662
                                                                 Middle...............      140,966       12,001
                                                                 Upper................      268,670       22,873
                                              1992        9.491  Lower................      130,855       10,555
                                                                 Middle...............      162,534       13,110
                                                                 Upper................      309,777       24,986
                                              1993        7.750  Lower................      144,738        9,954
                                                                 Middle...............      189,280       13,018
                                                                 Upper................      258,978       17,811
                                              1994       10.050  Lower................      133,452       11,290
                                                                 Middle...............      188,240       15,925
                                                                 Upper................      244,375       20,675
Mayaguez, PR.........................         1985       10.250  Lower................       38,650        3,325
                                                                 Middle...............       54,110        4,655
                                                                 Upper................       82,465        7,094
                                              1986       10.250  Lower................       42,515        3,657
                                                                 Middle...............       59,521        5,120
                                                                 Upper................       90,711        7,803
                                              1987       10.625  Lower................       47,616        4,224
                                                                 Middle...............       66,663        5,914
                                                                 Upper................      101,597        9,013
                                              1988       10.875  Lower................       53,807        4,870
                                                                 Middle...............       75,329        6,819
                                                                 Upper................      114,804       10,392
                                              1989       10.375  Lower................       57,035        4,957
                                                                 Middle...............       79,849        6,940
                                                                 Upper................      121,693       10,577
                                              1990       10.375  Lower................       93,898        8,162
                                                                 Middle...............      116,409       10,118
                                                                 Upper................      196,696       17,097
                                              1991        8.875  Lower................       57,600        4,400
                                                                 Middle...............       92,300        7,050
                                                                 Upper................      134,300       10,258
                                              1992        8.125  Lower................       61,459        4,381
                                                                 Middle...............       98,484        7,020
                                                                 Upper................      143,298       10,214
                                              1993        7.125  Lower................       60,906        3,939
                                                                 Middle...............       97,598        6,312
                                                                 Upper................      142,008        9,185
                                              1994        8.750  Lower................       71,307        5,385
                                                                 Middle...............       92,079        6,954
                                                                 Upper................      128,571        9,710
San Juan, PR.........................         1985       10.250  Lower................       52,638        4,528
                                                                 Middle...............       64,476        5,547
                                                                 Upper................       93,324        8,028
                                              1986       10.250  Lower................       56,323        4,845
                                                                 Middle...............       68,989        5,935
                                                                 Upper................       99,857        8,590
                                              1987       10.625  Lower................       60,266        5,346
                                                                 Middle...............       73,818        6,549
                                                                 Upper................      106,847        9,479
                                              1988       10.875  Lower................       64,485        5,837
                                                                 Middle...............       78,985        7,150
                                                                 Upper................      114,326       10,348
                                              1989       10.375  Lower................       70,934        6,166
                                                                 Middle...............       86,884        7,552
                                                                 Upper................      122,329       10,633

[[Page 61385]]

                                              1990       10.375  Lower................       78,027        6,782
                                                                 Middle...............       95,572        8,307
                                                                 Upper................      134,562       11,696
                                              1991        8.875  Lower................       82,800        6,324
                                                                 Middle...............      100,255        7,658
                                                                 Upper................      141,100       10,777
                                              1992        8.125  Lower................       62,271        4,439
                                                                 Middle...............       84,721        6,039
                                                                 Upper................      151,946       10,831
                                              1993        7.125  Lower................       61,389        3,970
                                                                 Middle...............       84,084        5,438
                                                                 Upper................      151,878        9,823
                                              1994        8.750  Lower................       66,843        5,048
                                                                 Middle...............      102,232        7,721
                                                                 Upper................      143,633       10,848
St Croix, VI.........................         1985       10.250  Lower................       47,893        4,120
                                                                 Middle...............       62,064        5,339
                                                                 Upper................      105,308        9,059
                                              1986       10.250  Lower................       48,995        4,215
                                                                 Middle...............       63,491        5,462
                                                                 Upper................      107,730        9,268
                                              1987       12.000  Lower................       54,140        5,346
                                                                 Middle...............       70,157        6,928
                                                                 Upper................      119,042       11,755
                                              1988       12.000  Lower................       66,051        6,522
                                                                 Middle...............       85,592        8,452
                                                                 Upper................      145,231       14,341
                                              1989       11.750  Lower................       64,730        6,273
                                                                 Middle...............       83,880        8,128
                                                                 Upper................      142,326       13,792
                                              1990       11.250  Lower................       80,912        7,544
                                                                 Middle...............      104,850        9,776
                                                                 Upper................      177,908       16,588
                                              1991       10.250  Lower................       85,281        7,336
                                                                 Middle...............      110,500        9,506
                                                                 Upper................      187,500       16,130
                                              1992        9.500  Lower................      103,635        8,366
                                                                 Middle...............      151,866       12,259
                                                                 Upper................      188,037       15,179
                                              1993        8.375  Lower................      112,962        8,242
                                                                 Middle...............      174,161       12,708
                                                                 Upper................      194,004       14,156
                                              1994        9.083  Lower................       77,409        6,024
                                                                 Middle...............      128,076        9,967
                                                                 Upper................      210,035       16,345
St. Thomas, VI.......................         1985       10.250  Lower................       77,330        6,652
                                                                 Middle...............       97,846        8,417
                                                                 Upper................      116,784       10,046
                                              1986       10.250  Lower................       92,023        7,916
                                                                 Middle...............      116,437       10,017
                                                                 Upper................      138,973       11,955
                                              1987       12.000  Lower................      103,617       10,232
                                                                 Middle...............      131,108       12,946
                                                                 Upper................      156,484       15,452
                                              1988       12.000  Lower................      121,129       11,961
                                                                 Middle...............      153,265       15,134
                                                                 Upper................      182,929       18,064
                                              1989       11.750  Lower................      126,943       12,301
                                                                 Middle...............      160,622       15,565
                                                                 Upper................      191,710       18,577
                                              1990       11.250  Lower................      122,500       11,422
                                                                 Middle...............      155,000       14,452
                                                                 Upper................      185,000       17,250
                                              1991       10.250  Lower................      126,900       10,917
                                                                 Middle...............      180,700       15,545
                                                                 Upper................      210,800       18,134
                                              1992        9.000  Lower................      128,930        9,959
                                                                 Middle...............      183,591       14,181
                                                                 Upper................      214,173       16,544
                                              1993        8.250  Lower................      139,680       10,074
                                                                 Middle...............      198,829      14,340

[[Page 61386]]

                                                                 Upper................      231,949       16,729
                                              1994        9.083  Lower................      106,533        8,290
                                                                 Middle...............      190,164       14,799
                                                                 Upper................      195,381       15,205
Washington, DC (DC)..................         1985       10.250  Lower................       58,996        5,075
                                                                 Middle...............       90,194        7,759
                                                                 Upper................      160,600       13,816
                                              1986       10.250  Lower................       64,778        5,573
                                                                 Middle...............       99,213        8,535
                                                                 Upper................      173,448       14,921
                                              1987       10.250  Lower................       70,543        6,069
                                                                 Middle...............      113,015        9,722
                                                                 Upper................      187,324       16,115
                                              1988       10.500  Lower................       76,327        6,703
                                                                 Middle...............      126,817       11,136
                                                                 Upper................      202,310       17,766
                                              1989        9.625  Lower................       82,128        6,702
                                                                 Middle...............      140,619       11,474
                                                                 Upper................      218,495       17,829
                                              1990        9.875  Lower................       87,877        7,326
                                                                 Middle...............      140,974       11,752
                                                                 Upper................      235,975       19,671
                                              1991        9.250  Lower................       88,200        6,966
                                                                 Middle...............      141,500       11,175
                                                                 Upper................      236,900       18,710
                                              1992        8.500  Lower................       93,573        6,907
                                                                 Middle...............      138,580       10,229
                                                                 Upper................      231,948       17,121
                                              1993        7.125  Lower................       95,306        6,164
                                                                 Middle...............      125,469        8,115
                                                                 Upper................      271,054       17,531
                                              1994        8.708  Lower................       85,158        6,407
                                                                 Middle...............      104,117        7,834
                                                                 Upper................      284,087       21,374
Washington, DC (MD)..................         1985       10.250  Lower................       54,572        4,695
                                                                 Middle...............       84,505        7,270
                                                                 Upper................      100,545        8,649
                                              1986       10.250  Lower................       60,029        5,164
                                                                 Middle...............       92,955        7,997
                                                                 Upper................      110,600        9,514
                                              1987       10.125  Lower................       66,032        5,622
                                                                 Middle...............      102,250        8,705
                                                                 Upper................      121,660       10,358
                                              1988       10.375  Lower................       73,295        6,371
                                                                 Middle...............      113,498        9,865
                                                                 Upper................      135,043       11,738
                                              1989       10.000  Lower................       81,357        6,854
                                                                 Middle...............      125,983       10,614
                                                                 Upper................      149,898       12,628
                                              1990        9.875  Lower................       89,493        7,460
                                                                 Middle...............      138,581       11,552
                                                                 Upper................      164,888       13,745
                                              1991        8.750  Lower................       90,835        6,860
                                                                 Middle...............      140,660       10,623
                                                                 Upper................      167,361       12,640
                                              1992        8.375  Lower................      103,563        7,557
                                                                 Middle...............      136,513        9,961
                                                                 Upper................      203,337       14,837
                                              1993        7.250  Lower................       95,031        6,223
                                                                 Middle...............      116,294        7,616
                                                                 Upper................      199,750       13,081
                                              1994        8.833  Lower................       92,394        7,031
                                                                 Middle...............      184,249       14,020
                                                                 Upper................      222,377       16,922
Washington, DC (VA)..................         1985       10.250  Lower................       65,608        5,644
                                                                 Middle...............       74,031        6,369
                                                                 Upper................      122,748       10,559
                                              1986       10.250  Lower................       70,857        6,096
                                                                 Middle...............       79,954        6,878
                                                                 Upper................      132,568       11,404
                                              1987       10.125  Lower................       76,526        6,515

[[Page 61387]]

                                                                 Middle...............       86,350        7,351
                                                                 Upper................      143,173       12,189
                                              1988       10.500  Lower................       83,413        7,325
                                                                 Middle...............       94,122        8,265
                                                                 Upper................      156,059       13,704
                                              1989        9.500  Lower................       90,086        7,272
                                                                 Middle...............      101,652        8,206
                                                                 Upper................      168,544       13,605
                                              1990       10.000  Lower................       97,293        8,197
                                                                 Middle...............      109,784        9,249
                                                                 Upper................      182,028       15,335
                                              1991        8.875  Lower................       99,823        7,625
                                                                 Middle...............      114,400        8,738
                                                                 Upper................      183,600       14,024
                                              1992        8.375  Lower................      105,021        7,663
                                                                 Middle...............      127,582        9,309
                                                                 Upper................      183,294       13,374
                                              1993        7.250  Lower................       94,563        6,193
                                                                 Middle...............      126,984        8,316
                                                                 Upper................      181,917       11,914
                                              1994        8.792  Lower................       96,048        7,281
                                                                 Middle...............      169,078       12,818
                                                                 Upper................      240,108       18,202
----------------------------------------------------------------------------------------------------------------
*Principal and interest assumes 80% financing.

                                      Appendix 11.--Historical Housing Data
----------------------------------------------------------------------------------------------------------------
                                                  Lower                 Middle                Upper
                Year                  Weights    amounts    Subtotal   amounts    Subtotal   amounts    Subtotal
----------------------------------------------------------------------------------------------------------------
Honolulu:
    1985...........................       6.31      7,455     470.41      9,506     599.83     10,170     641.73
    1986...........................       6.77      8,364     566.24     11,550     781.94     13,292     899.87
    1987...........................       8.19      9,373     767.65     13,736   1,124.98     16,583   1,358.15
    1988...........................       7.03     10,829     761.28     16,620   1,168.39     20,758   1,459.29
    1989...........................       7.72     13,556   1,046.52     21,025   1,623.13     23,124   1,785.17
    1990...........................       8.32     18,591   1,546.77     28,836   2,399.16     32,628   2,714.65
    1991...........................      10.08     16,169   1,629.84     24,268   2,446.21     28,947   2,917.86
    1992...........................      12.92     15,065   1,946.40     23,500   3,036.20     25,907   3,347.18
    1993...........................      13.78     13,067   1,800.63     21,196   2,920.81     24,249   3,341.51
    1994...........................      18.88     20,042   3,783.93     26,389   4,982.24     31,402   5,928.70
                                    ----------------------------------------------------------------------------
      Total........................     100.00  .........     14,320  .........     21,083  .........     24,394
                                    ============================================================================
Hilo:
    1985...........................       6.31      3,570     225.27      5,316     335.44      7,696     485.62
    1986...........................       6.77      4,341     293.89      6,193     419.27      8,412     569.49
    1987...........................       8.19      5,166     423.10      7,143     585.01      9,222     755.28
    1988...........................       7.03      6,254     439.66      8,445     593.68     10,460     735.34
    1989...........................       7.72      6,796     524.65      9,006     695.26     10,777     831.98
    1990...........................       8.32      5,825     484.64      9,361     778.84     14,133   1,175.87
    1991...........................      10.08     10,474   1,055.78     14,114   1,422.69     15,934   1,606.15
    1992...........................      12.92      9,319   1,204.01     11,612   1,500.27     14,104   1,822.24
    1993...........................      13.78      8,269   1,139.47     11,195   1,542.67     13,066   1,800.49
    1994...........................      18.88      9,125   1,722.80     12,928    2440.81     15,605   2,946.22
                                    ----------------------------------------------------------------------------
      Total........................     100.00  .........      7,513  .........     10,314  .........     12,729
                                    ============================================================================
Kailua Kona:
    1985...........................       6.31      5,621     354.69      7,986     503.92      8,560     540.14
    1986...........................       6.77      6,632     448.99      9,256     626.63     10,315     698.33
    1987...........................       8.19      7,725     632.68     10,638     871.25     12,194     998.69
    1988...........................       7.03      9,203     646.97     12,541     881.63     14,691   1,032.78
    1989...........................       7.72      9,874     762.27     13,346   1,030.31     15,902   1,227.63
    1990...........................       8.32     11,580     963.46     16,336   1,359.16     19,364   1,611.08
    1991...........................      10.08     12,097   1,219.38     15,949   1,607.66     20,059   2,021.95
    1992...........................      12.92     11,395   1,472.23     15,892   2,053.25     18,605   2,403.77
    1993...........................      13.78      9,939   1,369.59     14,180   1,954.00     16,939   2,334.19
    1994...........................      18.88     12,111   2,286.56     17,171   3,241.88     17,831   3,366.49
                                    ----------------------------------------------------------------------------

[[Page 61388]]

      Totals.......................     100.00  .........     10,157  .........     14,130  .........     16,235
                                    ============================================================================
Kauai:
    1985...........................       6.31      4,756     300.10      6,001     378.66      8,250     520.58
    1986...........................       6.77      5,859     396.65      7,573     512.69      9,075     614.38
    1987...........................       8.19      6,830     559.38      9,239     756.67     10,545     863.64
    1988...........................       7.03      8,324     585.18     11,387     800.51     13,309     935.62
    1989...........................       7.72      9,090     701.75     12,542    968.241     15,622   1,206.02
    1990...........................       8.32     15,257   1,269.38     20,117   1,673.73     25,451   2,117.52
    1991...........................      10.08     13,617   1,372.59     17,957   1,810.07     22,714   2,289.57
    1992...........................      12.92     12,245   1,582.05     15,797   2,040.97     19,525   2,522.63
    1993...........................      13.78     11,122   1,532.61     14,349   1,977.29     17,734   2,443.75
    1994...........................      18.88     12,996   2,453.64     17,677   3,337.42     20,287   3,830.19
                                    ----------------------------------------------------------------------------
      Totals.......................     100.00  .........     10,753  .........     14,256  .........     17,344
                                    ============================================================================
Maui:
    1985...........................       6.31      7,175     452.74      9,520     600.71     11,973     755.50
    1986...........................       6.77      7,893     534.36     10,473     709.02     13,170     891.61
    1987...........................       8.19      8,717     713.92     11,639     953.23     14,637   1,198.77
    1988...........................       7.03     11,072     778.36     14,691   1,032.78     18,475   1,298.79
    1989...........................       7.72     13,294   1,026.30     17,639   1,361.73     22,182   1,712.45
    1990...........................       8.32     14,976   1,246.00     19,872   1,653.35     24,990   2,079.17
    1991...........................      10.08     16,454   1,658.56     21,831   2,200.56     27,455   2,767.46
    1992...........................      12.92     14,820   1,914.74     19,668   2,541.11     24,729   3,194.99
    1993...........................      13.78     11,648   1,605.09     16,523   2,276.87     20,105   2,770.47
    1994...........................      18.88     14,320   2,703.62     19,936   3,763.92     22,152   4,182.30
                                    ----------------------------------------------------------------------------
      Totals.......................     100.00  .........     12,634  .........     17,093  .........     20,852
                                    ============================================================================
Guam:
    1985...........................       6.31      5,112     322.57      6,232     393.24     13,325     840.81
    1986...........................       6.77      5,623     380.68      6,855     464.08     14,657     992.28
    1987...........................       8.19      6,505     532.76      7,979     653.48     16,409   1,343.90
    1988...........................       7.03      7,704     541.59      9,501     667.92     18,951   1,332.26
    1989...........................       7.72      8,145     628.79     10,089     778.87     19,621   1,514.74
    1990...........................       8.32      9,060     753.79     11,254     936.33     21,448   1,784.47
    1991...........................      10.08      9,662     973.93     12,001   1,209.70     22,873   2,305.60
    1992...........................      12.92     10,555   1,363.71     13,110   1,693.81     24,986   3,228.19
    1993...........................      13.78      9,954   1,371.66     13,018   1,793.88     17,811   2,454.36
    1994...........................      18.88     11,290   2,131.55     15,925   3,006.64     20,675   3,903.44
                                    ----------------------------------------------------------------------------
      Totals.......................     100.00  .........      9,001  .........     11,598  .........     19,700
                                    ============================================================================
Mayaguez:
    1985...........................       6.31      3,325     209.81      4,655     293.73      7,094     447.63
    1986...........................       6.77      3,657     247.58      5,120     346.62      7,803     528.26
    1987...........................       8.19      4,224     345.95      5,914     484.36      9,013     738.16
    1988...........................       7.03      4,870     342.36      6,819     479.38     10,392     730.56
    1989...........................       7.72      4,957     382.68      6,940     535.77     10,577     816.54
    1990...........................       8.32      8,162     679.08     10,118     841.82     17,097   1,422.47
    1991...........................      10.08      4,400     443.52      7,050     710.64     10,258   1,034.01
    1992...........................      12.92      4,381     566.03      7,020     906.98     10,214   1,319.65
    1993...........................      13.78      3,939     542.79      6,312     869.79      9,185   1,265.69
    1994...........................      18.88      5,385   1,016.69      6,954   1,312.92      9,710   1,833.25
                                    ----------------------------------------------------------------------------
      Totals.......................     100.00  .........      4,776  .........      6,782  .........     10,136
                                    ============================================================================
San Juan:
    1985...........................       6.31      4,528     285.72      5,547     350.02      8,028     506.57
    1986...........................       6.77      4,845     328.01      5,935     401.80      8,590     581.54
    1987...........................       8.19      5,346     437.84      6,549     536.36      9,479     776.33
    1988...........................       7.03      5,837     410.34      7,150     502.65     10,348     727.46
    1989...........................       7.72      6,166     476.02      7,552     583.01     10,633     820.87
    1990...........................       8.32      6,782     564.26      8,307     691.14     11,696     973.11
    1991...........................      10.08      6,324     637.46      7,658     771.93     10,777   1,086.32
    1992...........................      12.92      4,439     573.52      6,039     780.24     10,831   1,399.37
    1993...........................      13.78      3,970     547.07      5,438     749.36      9,823   1,353.61
    1994...........................      18.88      5,048     953.06      7,721   1,457.72     10,848   2,048.10
                                    ----------------------------------------------------------------------------

[[Page 61389]]

      Totals.......................     100.00  .........      5,213  .........      6,824  .........     10,273
                                    ============================================================================
St. Croix:
    1985...........................       6.31      4,120     259.97      5,339     336.89      9,059     571.62
    1986...........................       6.77      4,215     285.36      5,462     369.78      9,268     627.44
    1987...........................       8.19      5,346     437.84      6,928     567.40     11,755     962.73
    1988...........................       7.03      6,522     458.50      8,452     594.18     14,341   1,008.17
    1989...........................       7.72      6,273     484.28      8,128     627.48     13,792   1,064.74
    1990...........................       8.32      7,544     627.66      9,776     813.36     16,588   1,380.12
    1991...........................      10.08      7,336     739.47      9,506     958.20     16,130   1,625.90
    1992...........................      12.92      8,366   1,080.89     12,259   1,583.86     15,179   1,961.13
    1993...........................      13.78      8,242   1,135.75     12,708   1,751.16     14,156   1,950.70
    1994...........................      18.88      6,024   1,137.33      9,967   1,881.77     16,345   3,085.94
                                    ----------------------------------------------------------------------------
      Totals.......................     100.00  .........      6,647  .........      9,484  .........     14,238
                                    ============================================================================
St. Thomas:
    1985...........................       6.31      6,652     419.74      8,417     531.11     10,046     633.90
    1986...........................       6.77      7,916     535.91     10,017     678.15     11,955     809.35
    1987...........................       8.19     10,232     838.00     12,946   1,060.28     15,452   1,265.52
    1988...........................       7.03     11,961     840.86     15,134   1,063.92     18,064   1,269.90
    1989...........................       7.72     12,301     949.64     15,565   1,201.62     18,577   1,434.14
    1990...........................       8.32     11,422     950.31     14,452   1,202.41     17,250   1,435.20
    1991...........................      10.08     10,917   1,100.43     15,545   1,566.94     18,134   1,827.91
    1992...........................      12.92      9,959   1,286.70     14,181   1,832.19     16,544   2,137.48
    1993...........................      13.78     10,074   1,388.20     14,340   1,976.05     16,729   2,305.26
    1994...........................      18.88      8,290   1,565.15     14,799   2,794.05     15,205   2,870.70
                                    ----------------------------------------------------------------------------
      Totals.......................     100.00  .........      9,875  .........     13,907  .........     15,989
                                    ============================================================================
DC-DC:
    1985...........................       6.31      5,075     320.23      7,759     489.59     13,816     871.79
    1986...........................       6.77      5,573     377.29      8,535     577.82     14,921   1,010.15
    1987...........................       8.19      6,069     497.05      9,722     796.23     16,115   1,319.82
    1988...........................       7.03      6,703     471.22     11,136     782.86     17,766   1,248.95
    1989...........................       7.72      6,702     517.39     11,474     885.79     17,829   1,376.40
    1990...........................       8.32      7,326     609.52     11,752     977.77     19,671   1,636.63
    1991...........................      10.08      6,966     702.17     11,175   1,126.44     18,710   1,885.97
    1992...........................      12.92      6,907     892.38     10,229   1,321.59     17,121   2,212.03
    1993...........................      13.78      6,164     849.40      8,115   1,118.25     17,531   2,415.77
    1994...........................      18.88      6,407   1,209.64      7,834   1,479.06     21,374   4,035.41
                                    ----------------------------------------------------------------------------
      Totals.......................     100.00  .........      6,446  .........      9,555  .........     18,013
                                    ============================================================================
DC-MD:
    1985...........................       6.31      4,695     296.25      7,270     458.74      8,649     545.75
    1986...........................       6.77      5,164     349.60      7,997     541.40      9,514     644.10
    1987...........................       8.19      5,622     460.44      8,705     712.94     10,358     848.32
    1988...........................       7.03      6,371     447.88      9,865     693.51     11,738     825.18
    1989...........................       7.72      6,854     529.13     10,614     819.40     12,628     974.88
    1990...........................       8.32      7,460     620.67     11,552     961.13     13,745   1,143.58
    1991...........................      10.08      6,860     691.49     10,623   1,070.80     12,640   1,274.11
    1992...........................      12.92      7,557     976.36      9,961   1,286.96     14,837   1,916.94
    1993...........................      13.78      6,223     857.53      7,616   1,049.48     13,081   1,802.56
    1994...........................      18.88      7,031   1,327.45     14,020   2,646.98     16,922   3,194.87
                                    ----------------------------------------------------------------------------
      Totals.......................     100.00  .........      6,557  .........     10,241  .........     13,170
                                    ============================================================================
DC-VA:
    1985...........................       6.31      5,644     356.14      6,369     401.88     10,559     666.27
    1986...........................       6.77      6,096     412.70      6,878     465.64     11,404     772.05
    1987...........................       8.19      6,515     533.58      7,351     602.05     12,189     998.28
    1988...........................       7.03      7,325     514.95      8,265     581.03     13,704     963.39
    1989...........................       7.72      7,272     561.40      8,206     633.50     13,605   1,050.31
    1990...........................       8.32      8,197     681.99      9,249     769.52     15,335   1,275.87
    1991...........................      10.08      7,625     768.60      8,738     880.79     14,024   1,413.62
    1992...........................      12.92      7,663     990.06      9,309   1,202.72     13,374   1,727.92
    1993...........................      13.78      6,193     853.40      8,316   1,145.94     11,914   1,641.75
    1994...........................      18.88      7,281   1,374.65     12,818   2,420.04     18,202   3,436.54
                                    ----------------------------------------------------------------------------
      Totals.......................     100.00  .........      7,047  .........      9,103  .........     13,946
----------------------------------------------------------------------------------------------------------------



[[Page 61390]]
                                                           Appendix 12.--Rental Data Analyses
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                     B&BN                           Non-Brkr                          Broker
                                                      --------------------------------------------------------------------------------------------------
                                                                               Change                           Change                           Change
                                                           #          $      (percent)      #          $      (percent)      #          $      (percent)
--------------------------------------------------------------------------------------------------------------------------------------------------------
Honolulu:
    Low..............................................        217       $773       -5.3        205       $795        0.0         12       $750      -10.3
    Middle...........................................        168        925       -4.8        156        925       -6.8         12        925       -2.6
    High.............................................        309       1250       -1.9        285       1200       -5.2         24       1300        1.5
Hilo:
    Low..............................................         52        567        9.7         46        520       25.6          6        613       -1.0
    Middle...........................................         72        698        0.0         66        695       25.9          6        700      -17.1
    High.............................................        156        880        1.4        144        860       25.5         12        900      -14.3
Kailua Kona:
    Low..............................................        103        669       -1.3         97        661        7.2          6        677       -8.3
    Middle...........................................         78        775       -3.2         72        781        7.5          6        769      -12.1
    High.............................................        103       1003       -4.5         91        964        4.2         12       1042      -11.3
Kauai:
    Low..............................................         67        688      -25.3         61        700       16.7          6        675      -15.6
    Middle...........................................         74        794      -24.4         68        788      -21.2          6        800      -27.3
    High.............................................        212       1075      -28.9        200       1050      -36.1         12       1100      -15.2
Maui:
    Low..............................................        255        625       -1.6        249        650        8.2          6        600      -10.3
    Middle...........................................        253        800        0.4        247        750        5.9          6        850       -4.0
    High.............................................        128        975      -11.4        116        950       -6.9         12       1000      -15.2
Guam:
    Low..............................................         23        763       -5.0         17        725       -3.2          6        800       -6.5
    Middle...........................................         59        900      -14.3         53        900       -8.2          6        900      -19.6
    High.............................................         70       1250      -28.6         58       1300       -8.5         12       1200      -42.3
Mayaguez:
    Low..............................................         14        425        2.4          7        450      -25.0          7        400      -18.4
    Middle...........................................         14        550       -9.2          7        600        2.0          7        500      -21.6
    High.............................................         16        725      -26.2          5        850       11.8         11        600      -26.8
San Juan:
    Low..............................................         18        451      -38.0          6        388      -45.2         12        513      -31.3
    Middle...........................................         25        913      -14.5         13        800      -32.5         12       1025        7.9
    High.............................................         54       1400      -26.0         28       1300      -29.0         26       1500      -23.3
St. Croix:
    Low..............................................         92        548      -19.3         86        600      -16.0          6        495      -23.1
    Middle...........................................         68        600      -44.3         62        600      -28.6          6        600      -20.4
    High.............................................         57       1000      -26.5         40       1000      -29.9         17       1000      -22.8
St. Thomas:
    Low..............................................        104        663      -15.4         98        650        1.1          6        675      -27.0
    Middle...........................................         89        857      -12.4         83        875       -5.9          6        838      -18.2
    High.............................................         83       1300       -5.9         71       1200       -5.7         12       1400       -5.9
Washington, DC:
    Low..............................................        237        415      -10.4        231        399      -10.7          6        430      -10.2
    Middle...........................................        127        530      -13.7        121        535      -14.8          6        525      -12.5
    High.............................................        110       1349       -7.6         94       1198        5.1         16       1500      -15.7
DC--Maryland:
    Low..............................................         71        525       -4.4         65        525        0.4          6        525       -8.7
    Middle...........................................        117        650      -17.1        111        650      -18.6          6        650      -16.8
    High.............................................        114        950       -7.9        102        975       -4.5         12        925      -11.1
DC--Virginia:
    Low..............................................         51        583       -2.3         45        590       -0.7          6        575       -4.2
    Middle...........................................        257        863       11.5        251        775       -4.0          6        950       28.4
    High.............................................        149       1225       19.6        137       1150       16.8         12       1300       22.3
--------------------------------------------------------------------------------------------------------------------------------------------------------

                                                                                                                                               ---------

                                                           Appendix 13.--Housing Cost Analysis
                                                      [Location: Honolulu, HI, Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                   Annual costs
                                                         -----------------------------------------------------------------------------------------------
                        Category                                   Lower income                    Middle income                   Upper income
                                                         -----------------------------------------------------------------------------------------------
                                                               Owner          Renter           Owner          Renter           Owner          Renter
--------------------------------------------------------------------------------------------------------------------------------------------------------
Maintenance.............................................            $358  ..............            $421  ..............            $484  ..............
Insurance...............................................             750            $329           1,059             329           1,377            $392
Utilities...............................................           1,608           1,435           1,824           1,608           2,041           1,709
Real estate taxes.......................................             746  ..............           1,027  ..............           1,249  ..............

[[Page 61391]]

Housing.................................................          14,320           9,276          21,083          11,100          24,394          15,000
                                                         -----------------------------------------------------------------------------------------------
    Total annual cost...................................          17,782          11,040          25,414          13,037          29,545          17,101
--------------------------------------------------------------------------------------------------------------------------------------------------------

                                                                  Housing Cost Analysis
                                                        [Location: Hilo, HI, Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                   Annual costs
                                                         -----------------------------------------------------------------------------------------------
                        Category                                   Lower income                    Middle income                   Upper income
                                                         -----------------------------------------------------------------------------------------------
                                                               Owner          Renter           Owner          Renter           Owner          Renter
--------------------------------------------------------------------------------------------------------------------------------------------------------
Maintenance.............................................            $271  ..............            $319  ..............            $367  ..............
Insurance...............................................             604            $395             740            $395             912            $413
Utilities...............................................           1,598           1,424           1,816           1,598           2,034           1,700
Real estate taxes.......................................             635  ..............           1,041  ..............           1,327  ..............
Housing.................................................           7,513           6,804          10,314           8,376          12,729          10,560
                                                         -----------------------------------------------------------------------------------------------
    Total annual cost...................................          10,621           8,623          14,230          10,369          17,369          12,673
--------------------------------------------------------------------------------------------------------------------------------------------------------

                                                                  Housing Cost Analysis
                                                     [Location: Kailua Kona, HI, Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                   Annual costs
                                                         -----------------------------------------------------------------------------------------------
                        Category                                   Lower income                    Middle income                   Upper income
                                                         -----------------------------------------------------------------------------------------------
                                                               Owner          Renter           Owner          Renter           Owner          Renter
--------------------------------------------------------------------------------------------------------------------------------------------------------
Maintenance.............................................            $295  ..............            $347  ..............            $399  ..............
Insurance...............................................             794            $395             975            $395           1,038            $413
Utilities...............................................           1,751           1,556           1,996           1,751           2,241           1,866
Real estate taxes.......................................             954  ..............           1,495  ..............           1,565  ..............
Housing.................................................          10,157           8,028          14,130           9,300          16,235          12,036
                                                         -----------------------------------------------------------------------------------------------
    Total annual cost...................................          13,951           9,979          18,943          11,446          21,478          14,315
--------------------------------------------------------------------------------------------------------------------------------------------------------

                                                     Housing Cost Analysis--Hawaii County Composite
                                                                  [Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                         Annual costs
                                                                     -----------------------------------------------------------------------------------
                       Location                            Weights           Lower income                Middle income               Upper income
                                                                     -----------------------------------------------------------------------------------
                                                                          Owner        Renter         Owner        Renter         Owner        Renter
--------------------------------------------------------------------------------------------------------------------------------------------------------
Hilo, HI..............................................         83.17       $10,621        $8,623       $14,230       $10,369       $17,369       $12,673
Kailua Kona, HI.......................................         16.83        13,951         9,979        18,943        11,446        21,478        14,315
                                                       -------------------------------------------------------------------------------------------------
    Total weight......................................        100.00  ............  ............  ............  ............  ............  ............
                                                       =================================================================================================
    Hawaii County, HI cost............................  ............        11,181         8,851        15,023        10,550        18,061        12,949
--------------------------------------------------------------------------------------------------------------------------------------------------------

                                                                  Housing Cost Analysis
                                                    [Location: Kauai County, HI, Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                   Annual costs
                                                         -----------------------------------------------------------------------------------------------
                        Category                                   Lower income                    Middle income                   Upper income
                                                         -----------------------------------------------------------------------------------------------
                                                               Owner          Renter           Owner          Renter           Owner          Renter
--------------------------------------------------------------------------------------------------------------------------------------------------------
Maintenance.............................................            $302  ..............            $355  ..............            $408  ..............

[[Page 61392]]

Insurance...............................................             837            $454           1,014            $454           1,158            $550
Utilities...............................................           1,758           1,560           2,005           1,758           2,252           1,873
Real estate taxes.......................................             547  ..............             808  ..............             954  ..............
Housing.................................................          10,753           8,256          14,256           9,528          17,344          12,900
                                                         -----------------------------------------------------------------------------------------------
    Total annual cost...................................          14,197          10,270          18,438          11,740          22,116          15,323
--------------------------------------------------------------------------------------------------------------------------------------------------------

                                                                  Housing Cost Analysis
                                                     [Location: Maui County, HI, Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                   Annual costs
                                                         -----------------------------------------------------------------------------------------------
                        Category                                   Lower income                    Middle income                   Upper income
                                                         -----------------------------------------------------------------------------------------------
                                                               Owner          Renter           Owner          Renter           Owner          Renter
--------------------------------------------------------------------------------------------------------------------------------------------------------
Maintenance.............................................            $388  ..............            $456  ..............            $524  ..............
Insurance...............................................             691            $394             930            $447           1,065            $538
Utilities...............................................           1,610           1,433           1,831           1,610           2,052           1,713
Real estate taxes.......................................             665  ..............           1,000  ..............           1,133  ..............
Housing.................................................          12,634           7,500          17,093           9,600          20,852          11,700
                                                         -----------------------------------------------------------------------------------------------
    Total annual cost...................................          15,988           9,327          21,310          11,657          25,626          13,951
--------------------------------------------------------------------------------------------------------------------------------------------------------

                                                                  Housing Cost Analysis
                                                          [Location: Guam, Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                   Annual costs
                                                         -----------------------------------------------------------------------------------------------
                        Category                                   Lower income                    Middle income                   Upper income
                                                         -----------------------------------------------------------------------------------------------
                                                               Owner          Renter           Owner          Renter           Owner          Renter
--------------------------------------------------------------------------------------------------------------------------------------------------------
Maintenance.............................................            $428  ..............            $504  ..............            $580  ..............
Insurance...............................................           1,758            $293           2,479            $293           3,218            $440
Utilities...............................................           2,288           2,084           2,543           2,288           2,798           2,407
Real estate taxes.......................................             420  ..............             593  ..............             770  ..............
Housing.................................................           9,001           9,156          11,598          10,800          19,700          15,000
                                                         -----------------------------------------------------------------------------------------------
    Total annual cost...................................          13,895          11,533          17,717          13,381          27,066          17,847
--------------------------------------------------------------------------------------------------------------------------------------------------------

                                                                  Housing Cost Analysis
                                                      [Location: Mayaguez, PR, Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                   Annual costs
                                                         -----------------------------------------------------------------------------------------------
                        Category                                   Lower income                    Middle income                   Upper income
                                                         -----------------------------------------------------------------------------------------------
                                                               Owner          Renter           Owner          Renter           Owner          Renter
--------------------------------------------------------------------------------------------------------------------------------------------------------
Maintenance.............................................            $173  ..............            $204  ..............            $235  ..............
            Ground rent.....................................         3.33         2.32         1.75         2.47
Utilities...............................................           1,036             941           1,153           1,036           1,271           1,090
Real estate taxes.......................................               0  ..............             230  ..............             721  ..............
Housing.................................................           4,776           5,100           6,782           6,600          10,136           8,700
                                                         -----------------------------------------------------------------------------------------------
    Total annual cost...................................           6,434           6,247           8,934           7,842          13,180          10,029
--------------------------------------------------------------------------------------------------------------------------------------------------------



[[Page 61393]]
                                                                  Housing Cost Analysis
                                                      [Location: San Juan, PR, Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                   Annual costs
                                                         -----------------------------------------------------------------------------------------------
                        Category                                   Lower income                    Middle income                   Upper income
                                                         -----------------------------------------------------------------------------------------------
                                                               Owner          Renter           Owner          Renter           Owner          Renter
--------------------------------------------------------------------------------------------------------------------------------------------------------
Maintenance.............................................            $164  ..............            $193  ..............            $222  ..............
Insurance...............................................             348            $205             535            $205             783            $277
Utilities...............................................           1,086             987           1,209           1,086           1,332           1,143
Real estate taxes.......................................               0  ..............             367  ..............             924  ..............
Housing.................................................           5,213           5,412           6,824          10,956          10,273          16,800
                                                         -----------------------------------------------------------------------------------------------
    Total annual cost...................................           6,811           6,604           9,128          12,247          13,534          18,220
--------------------------------------------------------------------------------------------------------------------------------------------------------

                                                      Housing Cost Analysis--Puerto Rico Composite
                                                                  [Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                         Annual costs
                                                                     -----------------------------------------------------------------------------------
                       Location                            Weights           Lower income                Middle income               Upper income
                                                                     -----------------------------------------------------------------------------------
                                                                          Owner        Renter         Owner        Renter         Owner        Renter
--------------------------------------------------------------------------------------------------------------------------------------------------------
San Juan, PR..........................................         88.90        $6,811        $6,604        $9,128       $12,247       $13,534       $18,220
Mayaguez, PR..........................................         11.10         6,434         6,247         8,934         7,842        13,180        10,029
                                                       -------------------------------------------------------------------------------------------------
    Total weight......................................        100.00  ............  ............  ............  ............  ............  ............
                                                       =================================================================================================
    Puerto Rico cost..................................  ............         6,769         6,564         9,106        11,758        13,495        17,311
--------------------------------------------------------------------------------------------------------------------------------------------------------

                                                                  Housing Cost Analysis
                                                      [Location: St. Croix, VI, Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                   Annual costs
                                                         -----------------------------------------------------------------------------------------------
                        Category                                   Lower income                    Middle income                   Upper income
                                                         -----------------------------------------------------------------------------------------------
                                                               Owner          Renter           Owner          Renter           Owner          Renter
--------------------------------------------------------------------------------------------------------------------------------------------------------
Maintenance.............................................            $207  ..............            $244  ..............            $281  ..............
Insurance...............................................           1,604            $582           2,590            $582           4,183            $654
Utilities...............................................           1,530           1,363           1,737           1,530           1,945           1,627
Real estate taxes.......................................             393  ..............             773  ..............           1,388  ..............
Housing.................................................           6,647           6,576           9,484           7,200          14,238          12,000
                                                         -----------------------------------------------------------------------------------------------
    Total annual cost...................................          10,381           8,521          14,828           9,312          22,035          14,281
--------------------------------------------------------------------------------------------------------------------------------------------------------

                                                                  Housing Cost Analysis
                                                     [Location: St. Thomas, VI, Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                   Annual costs
                                                         -----------------------------------------------------------------------------------------------
                        Category                                   Lower income                    Middle income                   Upper income
                                                         -----------------------------------------------------------------------------------------------
                                                               Owner          Renter           Owner          Renter           Owner          Renter
--------------------------------------------------------------------------------------------------------------------------------------------------------
Maintenance.............................................            $216  ..............            $254  ..............            $292  ..............
Insurance...............................................           2,591            $512           4,166            $512           4,260            $762
Utilities...............................................           1,530           1,363           1,737           1,530           1,945           1,627
Real estate taxes.......................................             611  ..............           1,239  ..............           1,278  ..............
Housing.................................................           9,875           7,956          13,907          10,284          15,989          15,600
                                                         -----------------------------------------------------------------------------------------------
    Total annual cost...................................          14,823           9,831          21,303          12,326          23,764          17,989
--------------------------------------------------------------------------------------------------------------------------------------------------------



[[Page 61394]]
                                                    Housing Cost Analysis-- Virgin Islands Composite
                                                                   [Summr 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                         Annual costs
                                                                     -----------------------------------------------------------------------------------
                       Location                            Weights           Lower income                Middle income               Upper income
                                                                     -----------------------------------------------------------------------------------
                                                                          Owner        Renter         Owner        Renter         Owner        Renter
--------------------------------------------------------------------------------------------------------------------------------------------------------
St. Croix, VI.........................................         45.09       $10,381        $8,521       $14,828        $9,312       $22,035       $14,281
St. Thomas, VI........................................         54.91        14,823         9,831        21,303        12,326        23,764        17,989
                                                       -------------------------------------------------------------------------------------------------
    Total weight......................................       100.000  ............  ............  ............  ............  ............  ............
                                                       =================================================================================================
    Puerto Rico cost..................................  ............        12,820         9,240        18,383        10,967        22,984        16,317
--------------------------------------------------------------------------------------------------------------------------------------------------------

                                                                  Housing Cost Analysis
                                                      [Location: Washington DC, Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                   Annual costs
                                                         -----------------------------------------------------------------------------------------------
                        Category                                   Lower income                    Middle income                   Upper income
                                                         -----------------------------------------------------------------------------------------------
                                                               Owner          Renter           Owner          Renter           Owner          Renter
--------------------------------------------------------------------------------------------------------------------------------------------------------
Maintenance.............................................            $312  ..............            $367  ..............            $422  ..............
Insurance...............................................             212             $79             261             $79             730             $98
Utilities...............................................           1,579           1,402           1,801           1,579           2,023           1,683
Real estate taxes.......................................             530  ..............             712           2,439  ..............  ..............
Housing.................................................           6,446           4,980           9,555           6,360          18,013          16,188
                                                         -----------------------------------------------------------------------------------------------
    Total annual cost...................................           9,079           6,641          12,696           8,018          23,627          17,969
--------------------------------------------------------------------------------------------------------------------------------------------------------

                                                                  Housing Cost Analysis
                                                   [Location: Washington, DC, MD, Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                   Annual costs
                                                         -----------------------------------------------------------------------------------------------
                        Category                                   Lower income                    Middle income                   Upper income
                                                         -----------------------------------------------------------------------------------------------
                                                               Owner          Renter           Owner          Renter           Owner          Renter
--------------------------------------------------------------------------------------------------------------------------------------------------------
Maintenance.............................................            $319  ..............            $375  ..............            $431  ..............
Insurance...............................................             237             $59             294             $59             355             $69
Utilities...............................................           2,062           1,820           2,366           2,062           2,669           2,204
Real estate taxes.......................................           1,254  ..............           2,501  ..............           3,018  ..............
Housing.................................................           6,557           6,300          10,241           7,800          13,170          11,400
                                                         -----------------------------------------------------------------------------------------------
    Total annual cost...................................          10,429           8,179          15,777           9,921          19,643          13,673
--------------------------------------------------------------------------------------------------------------------------------------------------------

                                                                  Housing Cost Analysis
                                                   [Location: Washington, DC, VA, Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                   Annual costs
                                                         -----------------------------------------------------------------------------------------------
                        Category                                   Lower income                    Middle income                   Upper income
                                                         -----------------------------------------------------------------------------------------------
                                                               Owner          Renter           Owner          Renter           Owner          Renter
--------------------------------------------------------------------------------------------------------------------------------------------------------
Maintenance.............................................            $286  ..............            $336  ..............            $386  ..............
Insurance...............................................             208            $126             304            $126             410            $148
Utilities...............................................           1,932           1,712           2,208           1,932           2,483           2,061
Real estate taxes.......................................           1,211  ..............           2,132  ..............           3,027  ..............
Housing.................................................           7,047           6,996           9,103          10,356          13,946          14,700
                                                         -----------------------------------------------------------------------------------------------
    Total annual cost...................................          10,684           8,834          14,083          12,414          20,252          16,909
--------------------------------------------------------------------------------------------------------------------------------------------------------



[[Page 61395]]
                                                     Housing Cost Analysis--Washington DC Composite
                                                                  [Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                                         Annual costs
                                                                     -----------------------------------------------------------------------------------
                       Location                            Weights           Lower income                Middle income               Upper income
                                                                     -----------------------------------------------------------------------------------
                                                                          Owner        Renter         Owner        Renter         Owner        Renter
--------------------------------------------------------------------------------------------------------------------------------------------------------
Washington DC, DC.....................................         33.34        $9,079        $6,461       $12,696        $8,018       $23,627       $17,969
Washington DC, MD.....................................         33.33        10,429         8,179        15,777         9,921        19,643        13,673
Washington DC, VA.....................................         33.33        10,684         8,834        14,083        12,414        20,252        16,909
                                                       -------------------------------------------------------------------------------------------------
    Total weight......................................        100.00  ............  ............  ............  ............  ............  ............
                                                       =================================================================================================
    Composite cost....................................  ............        10,064         7,825        14,185        10,117        21,174        16,184
--------------------------------------------------------------------------------------------------------------------------------------------------------

                                                             Appendix 14.--Housing Analysis
                                                      [Location: Honolulu, HI, Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                              Owners                                          Renters
                                                         -----------------------------------------------------------------------------------------------
                                                           Total annual    Total cost DC                   Total annual    Total cost DC
                                                               cost            area            Index           cost            area            Index
--------------------------------------------------------------------------------------------------------------------------------------------------------
Lower income............................................         $17,782         $10,064          176.69         $11,040          $7,825          141.09
Middle income...........................................          25,414          14,185          179.16          13,037          10,117          128.86
Upper income............................................          29,545          21,174          139.53          17,101          16,184          105.67
--------------------------------------------------------------------------------------------------------------------------------------------------------

                                                                    Housing Analysis
                                                    [Location: Hawaii County, HI, Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                              Owners                                          Renters
                                                         -----------------------------------------------------------------------------------------------
                                                           Total annual    Total cost DC                   Total annual    Total cost DC
                                                               cost            area            Index           cost            area            Index
--------------------------------------------------------------------------------------------------------------------------------------------------------
Lower income............................................         $11,181         $10,064          111.10          $8,851          $7,825          113.11
Middle income...........................................          15,023          14,185          105.91          10,550          10,117          104.28
Upper income............................................          18,061          21,174           85.30          12,949          16,184           80.01
--------------------------------------------------------------------------------------------------------------------------------------------------------

                                                                    Housing Analysis
                                                    [Location: Kauai County, HI, Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                              Owners                                          Renters
                                                         -----------------------------------------------------------------------------------------------
                                                           Total annual    Total cost DC                   Total annual    Total cost DC
                                                               cost            area            Index           cost            area            Index
--------------------------------------------------------------------------------------------------------------------------------------------------------
Lower income............................................         $14,197         $10,064          141.07         $10,270          $7,825          131.25
Middle income...........................................          18,438          14,185          129.98          11,740          10,117          116.04
Upper income............................................          22,116          21,174          104.45          15,323          16,184           94.68
--------------------------------------------------------------------------------------------------------------------------------------------------------

                                                                    Housing Analysis
                                                     [Location: Maui County, HI, Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                              Owners                                          Renters
                                                         -----------------------------------------------------------------------------------------------
                                                           Total annual   Total cost  DC                   Total annual   Total cost  DC
                                                               cost            area            Index           cost            area            Index
--------------------------------------------------------------------------------------------------------------------------------------------------------
Lower income............................................         $15,988         $10,064          158.86          $9,327          $7,825          119.19
Middle income...........................................          21,310          14,185          150.23          11,657          10,117          115.22
Upper income............................................          25,626          21,174          121.03          13,951          16,184           86.20
--------------------------------------------------------------------------------------------------------------------------------------------------------



[[Page 61396]]
                                                                    Housing Analysis
                                                          [Location: Guam, Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                              Owners                                          Renters
                                                         -----------------------------------------------------------------------------------------------
                                                           Total annual   Total cost  DC                   Total annual   Total cost  DC
                                                               cost            area            Index           cost            area            Index
--------------------------------------------------------------------------------------------------------------------------------------------------------
Lower income............................................         $13,895         $10,064          138.07         $11,533          $7,825          147.39
Middle income...........................................          17,717          14,185          124.90          13,381          10,117          132.26
Upper income............................................          27,066          21,174          127.83          17,847          16,184          110.28
--------------------------------------------------------------------------------------------------------------------------------------------------------

                                                                    Housing Analysis
                                                       [Location: Puerto Rico, Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                              Owners                                          Renters
                                                         -----------------------------------------------------------------------------------------------
                                                           Total annual   Total cost  DC                   Total annual   Total cost  DC
                                                               cost            area            Index           cost            area            Index
--------------------------------------------------------------------------------------------------------------------------------------------------------
Lower income............................................          $6,769         $10,064           67.26          $6,564          $7,825           83.88
Middle income...........................................           9,106          14,185           64.19          11,758          10,117          116.22
Upper income............................................          13,495          21,174           63.73          17,311          16,184          106.96
--------------------------------------------------------------------------------------------------------------------------------------------------------

                                                                    Housing Analysis
                                                     [Location: Virgin Islands, Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                              Owners                                          Renters
                                                         -----------------------------------------------------------------------------------------------
                                                           Total annual   Total cost  DC                   Total annual   Total cost  DC
                                                               cost            area            Index           cost            area            Index
--------------------------------------------------------------------------------------------------------------------------------------------------------
Lower income............................................         $12,820         $10,064          127.38          $9,240          $7,825          118.08
Middle income...........................................          18,383          14,185          129.59          10,967          10,117          108.40
Upper income............................................          22,984          21,174          108.55          16,317          16,184          100.82
--------------------------------------------------------------------------------------------------------------------------------------------------------

                               Appendix 15.--Private Transportation Cost Analysis
                                  [Location: Honolulu, HI, Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
                                                                                   Annual costs
                                                                 -----------------------------------------------
                            Category                                Honda Civic     Ford Taurus    Chevrolet S10
                                                                  1.5L4 cyl DX 4   3.0L 6 cyl GL   Blazer 4.3L 6
                                                                     dr sedan       4 dr sedan     cyl 4WD 2 dr
----------------------------------------------------------------------------------------------------------------
Fuel............................................................            $822          $1,192          $1,490
Maintenance/oil.................................................             424             476             505
Tires...........................................................             110             141             153
License and registration........................................             101             115             124
Miscellaneous tax...............................................               0               0               0
Depreciation....................................................           2,786           3,405           2,815
Finance expense.................................................             739             859             901
Insurance.......................................................           1,788           1,752           1,903
                                                                 -----------------------------------------------
    Total annual costs..........................................           6,770           7,940           7,891
----------------------------------------------------------------------------------------------------------------

                                      Private Transportation Cost Analysis
                                    [Location: Hilo, HI, Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
                                                                                   Annual costs
                                                                 -----------------------------------------------
                            Category                                Honda Civic     Ford Taurus    Chevrolet S10
                                                                   1.5L 4 cyl DX   3.0L 6 cyl GL   Blazer 4.3L 6
                                                                    4 dr sedan      4 dr sedan     cyl 4WD 2 dr
----------------------------------------------------------------------------------------------------------------
Fuel............................................................            $882          $1,279          $1,599
Maintenance/oil.................................................             416             422             449
Tires...........................................................             120             168             178
License and registration........................................             101             115             124
Miscellaneous tax...............................................               0               0               0
Depreciation....................................................           3,629           3,201           3,631
Finance expense.................................................             919             851           1,082

[[Page 61397]]

Insurance.......................................................           2,024           2,171           2,366
                                                                 -----------------------------------------------
    Total annual cost...........................................           8,091           8,207           9,429
----------------------------------------------------------------------------------------------------------------

                                      Private Transportation Cost Analysis
                                 [Location: Kailua Kona, HI, Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
                                                                                   Annual costs
                                                                 -----------------------------------------------
                            Category                                Honda Civic     Ford Taurus    Chevrolet S10
                                                                   1.5L 4 cyl DX   3.0L 6 cyl GL   Blazer 4.3L 6
                                                                    4 dr sedan      4 dr sedan     cyl 4WD 2 dr
----------------------------------------------------------------------------------------------------------------
Fuel............................................................            $936          $1,358          $1,697
Maintenance/oil.................................................             444             510             478
Tires...........................................................              95             174             139
License and registration........................................             101             115             124
Miscellaneous tax...............................................               0               0               0
Depreciation....................................................           2,631           3,421           3,613
Finance expense.................................................             755             914           1,106
Insurance.......................................................           1,457           1,368           1,742
                                                                 -----------------------------------------------
    Total annual cost...........................................           6,419           7,860           8,899
----------------------------------------------------------------------------------------------------------------

                             Private Transportation Cost Analysis--Hawaii Composite
                                              [Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
                                                                                   Annual costs
                                                                 -----------------------------------------------
                    Location                          Weights       Honda Civic     Ford Taurus    Chevrolet S10
                                                                   1.5L 4 cyl DX   3.0L 6 cyl GL   Blazer 4.3L 6
                                                                    4 dr sedan      4 dr sedan     cyl 4WD 2 dr
----------------------------------------------------------------------------------------------------------------
Hilo, HI........................................           83.17          $8,091          $8,207          $9,429
Kailua Kona, HI.................................           16.83           6,419           7,860           8,899
                                                 ---------------------------------------------------------------
    Total weight................................          100.00  ..............  ..............  ..............
                                                 ===============================================================
    Composite cost..............................  ..............           7,810           8,149           9,340
----------------------------------------------------------------------------------------------------------------

                                      Private Transportation Cost Analysis
                                    [Location: Kauai, HI, Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
                                                                                   Annual costs
                                                                 -----------------------------------------------
                            Category                                Honda Civic     Ford Taurus    Chevrolet S10
                                                                   1.5L 4 cyl DX   3.0L 6 cyl GL   Blazer 4.3L 6
                                                                    4 dr sedan      4 dr sedan     cyl 4WD 2 dr
----------------------------------------------------------------------------------------------------------------
Fuel............................................................            $882          $1,279          $1,599
Maintenance/oil.................................................             386             427             467
Tires...........................................................              75             112              95
License and registration........................................             101             115             124
Miscellaneous tax...............................................               0               0               0
Depreciation....................................................           3,463           3,441           4,298
Finance expense.................................................             851             857           1,153
Insurance.......................................................           1,327           1,274           1,596
                                                                 -----------------------------------------------
    Total annual cost...........................................           7,085           7,505           9,332
----------------------------------------------------------------------------------------------------------------



[[Page 61398]]
                                      Private Transportation Cost Analysis
                                    [Location: Maui, HI, Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
                                                                                   Annual costs
                                                                 -----------------------------------------------
                            Category                                Honda Civic     Ford Taurus    Chevrolet S10
                                                                   1.5L 4 cyl DX   3.0L 6 cyl GL   Blazer 4.3L 6
                                                                    4 dr sedan      4 dr sedan     cyl 4WD 2 dr
----------------------------------------------------------------------------------------------------------------
Fuel............................................................            $893          $1,295          $1,618
Maintenance/oil.................................................             439             524             500
Tires...........................................................             113             140             149
License and registration........................................             101             115             124
Miscellaneous tax...............................................               0               0               0
Depreciation....................................................           2,631           3,175           3,907
Finance expense.................................................             786             904           1,209
Insurance.......................................................           1,825           1,825           2,063
                                                                 -----------------------------------------------
    Total annual cost...........................................           6,788           7,978           9,570
----------------------------------------------------------------------------------------------------------------

                                      Private Transportation Cost Analysis
                                       [Location: Guam Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
                                                                                   Annual costs
                                                                 -----------------------------------------------
                            Category                                Honda Civic     Ford Taurus    Chevrolet S10
                                                                   1.5L 4 cyl DX   3.0L 6 cyl GL   Blazer 4.3L 6
                                                                    4 dr sedan      4 dr sedan     cyl 4 WD 2 dr
----------------------------------------------------------------------------------------------------------------
Fuel............................................................            $784          $1,137          $1,421
Maintenance/oil.................................................             295             327             414
Tires...........................................................              83             125             203
License and registration........................................              23              25              27
Miscellaneous tax...............................................               0               0               0
Depreciation....................................................           2,504           4,261           2,818
Finance expense.................................................             834           1,223           1,092
Insurance.......................................................           1,088           1,587           1,879
                                                                 -----------------------------------------------
    Total annual cost...........................................           5,611           8,685           7,854
----------------------------------------------------------------------------------------------------------------

                                      Private Transportation Cost Analysis
                                  [Location: Mayaguez, PR, Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
                                                                                   Annual costs
                                                                 -----------------------------------------------
                            Category                                Honda Civic     Ford Taurus    Chevrolet S10
                                                                   1.5L 4 cyl DX   3.0L 6 cyl GL   Blazer 4.3L 6
                                                                    4 dr sedan      4 dr sedan     cyl 4 WD 2 dr
----------------------------------------------------------------------------------------------------------------
Fuel............................................................            $619             897          $1,121
Maintenance/oil.................................................             284             310             429
Tires...........................................................              68             147             113
License and registration........................................              88              88              88
Miscellaneous tax...............................................               0               0               0
Depreciation....................................................           2,980           3,641           3,619
Finance expense.................................................             937           1,091           1,265
Insurance.......................................................           1,224           1,447           1,666
                                                                 -----------------------------------------------
    Total annual cost...........................................           6,200           7,621           8,301
----------------------------------------------------------------------------------------------------------------

                                      Private Transportation Cost Analysis
                                  [Location: San Juan, PR, Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
                                                                                   Annual costs
                                                                 -----------------------------------------------
                            Category                                Honda Civic     Ford Taurus    Chevrolet S10
                                                                   1.5L 4 cyl DX   3.0L 6 cyl GL   Blazer 4.3L 6
                                                                    4 dr sedan      4 dr sedan     cyl 4WD 2 dr
----------------------------------------------------------------------------------------------------------------
Fuel............................................................            $592            $858          $1,073
Maintenance/oil.................................................             289             308             352
Tires...........................................................              57              96             135
License and registration........................................              88              88              88
Miscellaneous tax...............................................               0               0               0

[[Page 61399]]

Depreciation....................................................           3,056           3,622           3,594
Finance expense.................................................             954           1,087           1,260
Insurance.......................................................           1,416           1,616           1,829
                                                                 -----------------------------------------------
    Total annual cost...........................................           6,452           7,675           8,331
----------------------------------------------------------------------------------------------------------------

                           Private Transportation Cost Analysis--Puerto Rico Composite
                                              [Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
                                                                                   Annual costs
                                                                 -----------------------------------------------
                    Location                          Weights       Honda Civic     Ford Taurus    Chevrolet S10
                                                                   1.5L 4 cyl DX   3.0L 6 cyl GL   Blazer 4.3L 6
                                                                    4 dr sedan      4 dr sedan     cyl 4WD 2 dr
----------------------------------------------------------------------------------------------------------------
San Juan, PR....................................           88.90          $6,452          $7,675          $8,331
Mayaguez, PR....................................           11.10           6,200           7,621           8,301
                                                 ---------------------------------------------------------------
    Total weight................................          100.00  ..............  ..............  ..............
                                                 ===============================================================
    Composite cost..............................  ..............           6,424           7,669           8,328
----------------------------------------------------------------------------------------------------------------

                                      Private Transportation Cost Analysis
                                  [Location: St. Croix, VI, Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
                                                                                   Annual costs
                                                                 -----------------------------------------------
                            Category                                Honda Civic     Ford Taurus    Chevrolet S10
                                                                   1.5L 4 cyl DX   3.0L 6 cyl GL   Blazer 4.3L 6
                                                                    4 dr sedan      4 dr sedan     cyl 4WD 2 dr
----------------------------------------------------------------------------------------------------------------
Fuel............................................................            $608            $881           1,102
Maintenance/oil.................................................             323             278             396
Tires...........................................................              80             143             133
License and registration........................................              47              56              68
Miscellaneous tax...............................................               0               0               0
Depreciation....................................................           2,809           3,554           3,241
Finance expense.................................................             936           1,115           1,231
Insurance.......................................................           1,876           2,262           2,745
                                                                 -----------------------------------------------
    Total annual cost...........................................           6,679           8,289           8,916
----------------------------------------------------------------------------------------------------------------

                                      Private Transportation Cost Analysis
                                 [Location: St. Thomas, VI, Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
                                                                                   Annual costs
                                                                 -----------------------------------------------
                            Category                                Honda Civic     Ford Taurus    Chevrolet S10
                                                                   1.5L 4 cyl DX   3.0L 6 cyl GL   Blazer 4.3L 6
                                                                    4 dr sedan      4 dr sedan     cyl 4WD 2 dr
----------------------------------------------------------------------------------------------------------------
Fuel............................................................            $629            $912          $1,140
Maintenance/oil.................................................             345             396             437
Tires...........................................................              86             110             126
License and registration........................................              47              56              68
Miscellaneous tax...............................................               0               0               0
Depreciation....................................................           3,020           3,651           4,121
Finance expense.................................................             862             997           1,251
Insurance.......................................................           1,429           1,477           2,466
                                                                 -----------------------------------------------
    Total annual cost...........................................           6,418           7,599           9,609
----------------------------------------------------------------------------------------------------------------



[[Page 61400]]
                         Private Transportation Cost Analysis--Virgin Islands Composite
                                              [Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
                                                                                   Annual costs
                                                                 -----------------------------------------------
                    Location                          Weights       Honda Civic     Ford Taurus    Chevrolet S10
                                                                   1.5L 4 cyl DX   3.0L 6 cyl GL   Blazer 4.3L 6
                                                                    4 dr sedan      4 dr sedan     cyl 4WD 2 dr
----------------------------------------------------------------------------------------------------------------
St. Croix, VI...................................           45.09          $6,679          $8,289          $8,916
St. Thomas, VI..................................           54.91           6,418           7,599           9,609
                                                 ---------------------------------------------------------------
    Total weight................................          100.00  ..............  ..............  ..............
                                                 ===============================================================
    Composite cost..............................  ..............           6,536           7,910           9,297
----------------------------------------------------------------------------------------------------------------

                                      Private Transportation Cost Analysis
                                [Location: Washington DC, DC Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
                                                                                   Annual costs
                                                                 -----------------------------------------------
                            Category                                Honda Civic     Ford Taurus    Chevrolet S10
                                                                   1.5L 4 cyl DX   3.0L 6 cyl GL   Blazer 4.3L 6
                                                                    4 dr sedan      4 dr sedan     cyl 4 WD 2 dr
----------------------------------------------------------------------------------------------------------------
Fuel............................................................            $649            $941          $1,177
Maintenance/oil.................................................             444             449             507
Tires...........................................................              48              75              87
License and registration........................................              69              69             102
Miscellaneous tax...............................................               0               0               0
Depreciation....................................................           2,836           3,311           2,887
Finance expense.................................................             568             639             694
Insurance.......................................................           1,558           1,616           1,994
                                                                 -----------------------------------------------
    Total annual cost...........................................           6,172           7,100           7,448
----------------------------------------------------------------------------------------------------------------

                                      Private Transportation Cost Analysis
                               [Location: Washington, DC, MD, Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
                                                                                   Annual costs
                                                                 -----------------------------------------------
                            Category                                Honda Civic     Ford Taurus    Chevrolet S10
                                                                   1.5L 4 cyl DX   3.0L 6 cyl GL   Blazer 4.3L 6
                                                                    4 dr sedan      4 dr sedan     cyl 4WD 2 dr
----------------------------------------------------------------------------------------------------------------
Fuel............................................................            $633            $918          $1,147
Maintenance/oil.................................................             389             400             426
Tires...........................................................              78             104             106
License and registration........................................              39              39              39
Miscellaneous tax...............................................               0               0               0
Depreciation....................................................           2,602           3,130           2,725
Finance expense.................................................             530             608             665
Insurance.......................................................             956             982           1,096
                                                                 -----------------------------------------------
    Total annual costs..........................................           5,227           6,181           6,204
----------------------------------------------------------------------------------------------------------------

                                      Private Transportation Cost Analysis
                                [Location: Washington DC, VA, Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
                                                                                   Annual costs
                                                                 -----------------------------------------------
                            Category                                Honda Civic     Ford Taurus    Chevrolet S10
                                                                   1.5L 4 cyl DX   3.0L 6 cyl GL   Blazer 4.3L 6
                                                                    4 dr sedan      4 dr sedan     cyl 4WD 2 dr
----------------------------------------------------------------------------------------------------------------
Fuel............................................................            $622            $902          $1,127
Maintenance/oil.................................................             406             489             464
Tires...........................................................              54              72              96
License and registration........................................              52              52              52
Miscellaneous tax...............................................             297             340             491
Depreciation....................................................           2,673           3,213           2,701
Finance expense.................................................             497             570             609

[[Page 61401]]

Insurance.......................................................             729             719             773
                                                                 -----------------------------------------------
    Total annual cost...........................................           5,330           6,357           6,313
----------------------------------------------------------------------------------------------------------------

                          Private Transportation Cost Analysis--Washington DC Composite
                                              [Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
                                                                                   Annual costs
                                                                 -----------------------------------------------
                    Location                          Weights       Honda Civic     Ford Taurus    Chevrolet S10
                                                                   1.5L 4 cyl DX   3.0L 6 cyl GL   Blazer 4.3L 6
                                                                    4 dr sedan      4 dr sedan     cyl 4WD 2 dr
----------------------------------------------------------------------------------------------------------------
Washington DC, DC...............................           33.34          $6,172          $7,100          $7,448
Washington DC, MD...............................           33.33           5,227           6,181           6,204
Washington DC, VA...............................           33.33           5,330           6,357           6,313
                                                 ---------------------------------------------------------------
    Total weight................................          100.00  ..............  ..............  ..............
                                                 ===============================================================
    Composite cost..............................  ..............           5,576           6,546           6,655
----------------------------------------------------------------------------------------------------------------

                                     Appendix 16.--Auto Insurance Calculation Worksheet--Special Limits Adjustments
                                                                    [Location: Guam]

                 Allowance area--original values                              Reference area--special limits                         Indexes
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                    Honda       Ford      Chevy                           Honda       Ford      Chevy      Honda       Ford      Chevy
                                                                            DC
BI 25/50........................     160.33     160.33     160.33  BI 25/50...........     517.40     517.40     504.30      30.99      30.99      31.79
PD 20...........................      In BI      In BI      In BI  PD 10..............      In BI      In BI      In BI  .........  .........  .........
Med 2...........................      17.67      17.67      17.67  Med................  .........  .........  .........  .........  .........  .........
UM 25/50........................  .........  .........  .........  UM 25/50...........  .........  .........  .........  .........  .........  .........
CM 100..........................     265.67     422.33     573.33  CM 100.............     251.26     261.91     441.14  .........  .........  .........
CL 200..........................     576.67     893.33   1,028.67  CL 250.............     542.24     588.44     802.86  .........  .........  .........
                                 ---------------------------------                     -----------------------------------------------------------------
      Total*....................   1,002.67   1,475.99   1,762.33      Total..........   1,310.90   1,367.75   1,748.30      76.49     107.91     100.80
                                                                            MD
                                                                   BI 25/40...........     465.80     465.80     465.80      34.42      34.42      34.42
                                                                   PD 10..............      In BI      In BI      In BI  .........  .........  .........
                                                                   Med................  .........  .........  .........  .........  .........  .........
                                                                   UM 25/40...........  .........  .........  .........  .........  .........  .........
                                                                   CM 500.............     125.70     149.62     179.92  .........  .........  .........
                                                                   CL 500.............     325.30     335.20     388.78  .........  .........  .........
                                                                                       -----------------------------------------------------------------
                                                                       Total..........     916.80     950.62   1,034.50     109.37     155.27     170.36
                                                                            VA
                                                                   BI 25/50...........     276.97     282.83     264.97      57.89      56.69      60.51
                                                                   PD 20..............      In BI      In BI      In BI  .........  .........  .........
                                                                   Med................  .........  .........  .........  .........  .........  .........
                                                                   UM 25/50...........  .........  .........  .........  .........  .........  .........
                                                                   CM 500.............     100.73     105.94     139.24  .........  .........  .........
                                                                   CL 500.............     241.53     239.58     260.76  .........  .........  .........
                                                                                       -----------------------------------------------------------------
                                                                       Total..........     619.23     628.35     664.97     161.92     234.90     265.02

--------------------------------------------------------------------------------------------------------------------------------------------------------
                 Allowance area--adjusted values                               Reference area--normal limits                     Adjusted values
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                    Honda       Ford      Chevy                           Honda       Ford      Chevy      Honda       Ford      Chevy
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                            DC
BI 100/300......................     176.67     174.93     175.14  BI 100/300.........     638.61     648.61     627.16     197.89     200.99     199.39
PD 50...........................      In BI      In BI      In BI  PD 50..............      In BI      In BI      In BI  .........  .........  .........
Med 2...........................      17.67      17.67      17.67  Med................        N/A        N/A        N/A  .........  .........  .........
UM 100/300......................      50.95      79.17      84.32  UM 100/300.........      71.35      71.35      71.35      54.57      77.00      71.92
CM 100..........................     265.67     422.33     573.33  CM 100.............     251.26     261.91     441.14  .........  .........  .........
CL 200..........................     576.67     893.33   1,028.67  CL 250.............     542.24     588.44     802.86  .........  .........  .........
                                 ---------------------------------                     -----------------------------------------------------------------
      Total**...................   1,087.63   1,587.43   1,879.14      Total..........   1,503.46   1,570.31   1,942.51  .........  .........  .........
                                                                            MD
                                                                   BI 100/300.........     423.30     400.08     400.08     145.70     137.71     137.71
                                                                   PD 50..............      In BI      In BI      In BI  .........  .........  .........

[[Page 61402]]

                                                                   Med................        N/A        N/A        N/A  .........  .........  .........
                                                                   UM 100/300.........      47.55      60.15      61.55      52.00      93.39     104.85
                                                                   CM 100.............     125.70     149.62     179.92  .........  .........  .........
                                                                   CL 250.............     325.30     335.20     388.78  .........  .........  .........
                                                                                       -----------------------------------------------------------------
                                                                       Total..........     921.85     945.05   1,030.33  .........  .........  .........
                                                                            VA
                                                                   BI 100/300.........     322.05     328.25     311.25     186.43     186.08     188.33
                                                                   PD 50..............      In BI      In BI      In BI  .........  .........  .........
                                                                   Med................        N/A        N/A        N/A  .........  .........  .........
                                                                   UM 100/300.........      28.58      28.58      28.75      46.28      67.13      76.19
                                                                   CM 100.............     100.73     105.94     139.24  .........  .........  .........
                                                                   CL 250.............     241.53     239.58     260.76  .........  .........  .........
                                                                                       -----------------------------------------------------------------
                                                                       Total..........     692.89     702.35     740.00  .........  .........  .........
--------------------------------------------------------------------------------------------------------------------------------------------------------
Notes: Comparable BI/PD coverage was priced in the allowance and in the reference area, and premiums were compared to derive indexes. These indexes were
  used to estimate the cost of equivalent coverage in allowance area. Uninsured Motorist premiums were adjusted using the relative total cost of
  premiums (less Medical coverage where applicable), and Medical premiums were not adjusted because they were not part of the reference area normal
  coverage.
*Less Medical.
**Including Medical.

                                            Auto Insurance Calculation Worksheet--Special Limits Adjustments
                                                                  [Location: Mayaguez]

                 Allowance area--original values                              Reference area--special limits                         Indexes
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                    Honda       Ford      Chevy                           Honda       Ford      Chevy      Honda       Ford      Chevy
                                                                            DC
BI 100/300......................     153.77     153.77     153.77  BI 100/300.........     638.61     648.61     627.16  .........  .........  .........
PD 50...........................     133.83     133.83     133.83  PD 50..............      In BI      In BI      In BI  .........  .........  .........
Med 5...........................       5.40       5.40       5.40  Med................        N/A        N/A        N/A  .........  .........  .........
UM 100/300......................  .........  .........  .........  UM 100/300.........  .........  .........  .........  .........  .........  .........
CM 100..........................     414.23     558.53     700.27  CM 100.............     251.26     261.91     441.14  .........  .........  .........
CL 250..........................     459.77     523.60     598.03  CL 250.............     542.24     588.44     802.86  .........  .........  .........
                                 ---------------------------------                     -----------------------------------------------------------------
      Total*....................   1,161.60   1,369.73   1,585.90    Total............   1,432.11   1,498.96   1,871.16      81.11      91.38      84.75
                                                                            MD
                                                                   BI 100/300.........     423.30     400.08     400.08  .........  .........  .........
                                                                   PD 50..............      In BI      In BI      In BI  .........  .........  .........
                                                                   Med................        N/A        N/A        N/A  .........  .........  .........
                                                                   UM 100/300.........  .........  .........  .........  .........  .........  .........
                                                                   CM 100.............     125.70     149.62     179.92  .........  .........  .........
                                                                   CL 250.............     325.30     335.20     388.78  .........  .........  .........
                                                                                       -----------------------------------------------------------------
                                                                     Total............     874.30     884.90     968.78     132.86     154.79     163.70
                                                                            VA
                                                                   Bl 100/300.........     322.05     328.25     311.25  .........  .........  .........
                                                                   PD 50..............      In Bl      In Bl      In Bl  .........  .........  .........
                                                                   Med................        N/A        N/A        N/A  .........  .........  .........
                                                                   UM 100/300.........  .........  .........  .........  .........  .........  .........
                                                                   CM 100.............     100.73     105.94     139.24  .........  .........  .........
                                                                   CL 250.............     241.53     239.58     260.76  .........  .........  .........
                                                                                       -----------------------------------------------------------------
                                                                     Total............     664.31     673.77     711.25     174.86     203.29     222.97

--------------------------------------------------------------------------------------------------------------------------------------------------------
                 Allowance area--adjusted values                               Reference area--normal limits                     Adjusted values
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                    Honda       Ford      Chevy                           Honda       Ford      Chevy      Honda       Ford      Chevy
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                            DC
BI 100/300......................     153.77     153.77     153.77  BI 100/300.........     638.61     648.61     627.16  .........  .........  .........
PD50............................     133.83     133.83     133.83  PD50...............      In BI      In BI      In BI  .........  .........  .........
Med 2...........................       5.40       5.40       5.40  Med................        N/A        N/A        N/A  .........  .........  .........
UM 100/300......................      57.01      72.14      75.11  UM 100/30..........      71.35      71.35      71.35      57.87      65.20      60.47
CM 100..........................     414.23     558.53     700.27  CM 100.............     251.26     261.91     441.14  .........  .........  .........
CL 200..........................     459.77      523.6     598.03  CL 250.............     524.24     588.44     802.86  .........  .........  .........
                                 ---------------------------------                     -----------------------------------------------------------------
    Total**.....................   1,224.01   1,447.27   1,666.41    Total............   1,503.46   1,570.31   1,942.51  .........  .........  .........
                                                                            MD
                                                                   BI 100/300.........     423.30     400.08     400.08  .........  .........  .........
                                                                   PD50...............      In BI      In BI      In BI  .........  .........  .........
                                                                   Med................        N/A        N/A        N/A  .........  .........  .........
                                                                   UM 100/30..........      47.55      60.15      61.55      63.18      93.11     100.76
                                                                   CM 100.............     125.70     149.62     179.92  .........  .........  .........
                                                                   CL 250.............     325.30     335.20     388.78  .........  .........  .........
                                                                                       -----------------------------------------------------------------
                                                                     Total............     921.85     945.05   1,030.33  .........  .........  .........
                                                                            VA          .........  .........  .........  .........  .........  .........
                                                                   BI 100/300.........     322.05     328.25     311.25  .........  .........  .........
                                                                   PD 50..............      In BI      In BI      In BI  .........  .........  .........
                                                                   Med................        N/A        N/A        N/A  .........  .........  .........

[[Page 61403]]

                                                                   UM 100/30..........      28.58      28.58      28.75      49.97      58.10      64.10
                                                                   CM 100.............     100.73     105.94     139.24  .........  .........  .........
                                                                   CL 250.............     241.53     239.58     260.76  .........  .........  .........
                                                                                       -----------------------------------------------------------------
                                                                     Total............     692.89     702.35     740.00  .........  .........  .........
--------------------------------------------------------------------------------------------------------------------------------------------------------
Notes: Normal limits coverage was priced in the allowance and in the reference area, except for Uninsured Motorist coverage, which could not be priced
  in the allowance area. To estimate the cost of equivalent coverage, the relative costs of the total premiums (less than Medical and Uninsured Motorist
  premiums where applicable) for each area were compared to derive indexes that were used to adjust the reference area Uninsured Motorist premiums.
*Less Medical
**Including Medical

                                            Auto Insurance Calculation Worksheet--Special Limits Adjustments
                                                                  [Location: San Juan]

                 Allowance area--original values                              Reference area--special limits                         Indexes
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                    Honda       Ford      Chevy                           Honda       Ford      Chevy      Honda       Ford      Chevy
                                                                            DC
BI 100/300......................     180.80     180.80     180.80  BI 100/300.........     638.61     648.61     627.16  .........  .........  .........
PD 50...........................     151.30     151.30     151.30  PD 50..............      In BI      In BI      In BI  .........  .........  .........
Med 5...........................       7.67       7.67       7.67  Med................        N/A        N/A        N/A  .........  .........  .........
UM 100/300......................  .........  .........  .........  UM 100/300.........  .........  .........  .........  .........  .........  .........
CM 100..........................     549.50     689.73     840.00  CM 100.............     251.26     261.91     441.14  .........  .........  .........
CL 250..........................     460.90     505.67     566.73  CL 250.............     542.24     588.44     802.86  .........  .........  .........
                                 ---------------------------------                     -----------------------------------------------------------------
      Total*....................   1,342.50   1,527.50   1,738.83    Total............   1,432.11   1,498.96   1,871.16      93.74     101.90      92.93
                                                                            MD
                                                                   BI 100/300.........     423.30     400.08     400.08  .........  .........  .........
                                                                   PD 50..............      In BI      In BI      In BI  .........  .........  .........
                                                                   Med................        N/A        N/A        N/A  .........  .........  .........
                                                                   UM 100/300.........  .........  .........  .........  .........  .........  .........
                                                                   CM 100.............     125.70     149.62     179.92  .........  .........  .........
                                                                   CL 250.............     325.30     335.20     388.78  .........  .........  .........
                                                                                       -----------------------------------------------------------------
                                                                     Total............     874.30     884.90     968.78     153.55     172.62     179.49
                                                                            VA
                                                                   BI 100/300.........     322.05     328.25     311.25  .........  .........  .........
                                                                   PD 50..............      In BI      In BI      In BI  .........  .........  .........
                                                                   Med................        N/A        N/A        N/A  .........  .........  .........
                                                                   UM 100/300.........  .........  .........  .........  .........  .........  .........
                                                                   CM 100.............     100.73     105.94     139.24  .........  .........  .........
                                                                   CL 250.............     241.53     239.58     260.76  .........  .........  .........
                                                                                       -----------------------------------------------------------------
                                                                     Total............     664.31     673.77     711.25     202.09     226.71     244.48

--------------------------------------------------------------------------------------------------------------------------------------------------------
                 Allowance area--adjusted values                               Reference area--normal limits                     Adjusted values
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                    Honda       Ford      Chevy                           Honda       Ford      Chevy      Honda       Ford      Chevy
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                            DC
BI 100/300......................     180.80     180.80     180.80  BI 100/300.........     638.61     648.61     627.16  .........  .........  .........
PD 50...........................     151.30     151.30     151.30  PD 500.............      In BI      In BI      In BI  .........  .........  .........
Med 2...........................       7.67       7.67       7.67  Med................        N/A        N/A        N/A  .........  .........  .........
UM 100/300......................      65.89      80.44      82.35  UM 100/300.........      71.35      71.35      71.35      66.89      72.71      66.30
CM 100..........................     549.50     689.73     840.00  CM 100.............     251.26     261.91     441.14  .........  .........  .........
CL 200..........................     460.90     505.67     566.73  CL 250.............     542.24     588.44     802.86  .........  .........  .........
                                 ---------------------------------                     -----------------------------------------------------------------
    Total**.....................   1,416.06   1,615.61   1,828.85    Total............   1,503.46   1,570.31   1,942.51  .........  .........  .........
                                                                            MD
                                                                   BI 100/300.........     423.30     400.08     400.08  .........  .........  .........
                                                                   PD 50..............      In BI      In BI      In BI  .........  .........  .........
                                                                   Med................        N/A        N/A        N/A  .........  .........  .........
                                                                   UM 100/300.........      47.55      60.15      61.55      73.01     103.83     110.47
                                                                   CM 100.............     125.70     149.62     179.92  .........  .........  .........
                                                                   CL 250.............     325.30     335.20     388.78  .........  .........  .........
                                                                                       -----------------------------------------------------------------
                                                                     Total............     921.85     945.05   1,030.33  .........  .........  .........
                                                                            VA
                                                                   BI 100/300.........     322.05     328.25     311.25  .........  .........  .........
                                                                   PD 50..............      In BI      In BI      In BI  .........  .........  .........
                                                                   Med................        N/A        N/A        N/A  .........  .........  .........
                                                                   UM 100/300.........      28.58      28.58      28.75      57.76      64.79      70.29
                                                                   CM 100.............     100.73     105.94     139.24  .........  .........  .........
                                                                   CL 250.............     241.53     239.58     260.76  .........  .........  .........
                                                                                       -----------------------------------------------------------------
                                                                     Total............     692.89     702.35     740.00  .........  .........  .........
--------------------------------------------------------------------------------------------------------------------------------------------------------
Notes: Normal limits coverage was priced in the allowance and in the reference area, except for Uninsured Motorist coverage, which could not be priced
  in the allowance area. To estimate the cost of equivalent coverage, the relative costs of the total premiums (less Medical and Uninsured Motorist
  premiums where applicable) for each area were compared to derive indexes that were used to adjust the reference are Uninsured Motorist premiums.
*Less Medical
**Including Medical



[[Page 61404]]
                                            Auto Insurance Calculation Worksheet--Special Limits Adjustments
                                                                  [Location: St. Croix]

                 Allowance area--original values                              Reference area--special limits                         Indexes
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                    Honda       Ford      Chevy                           Honda       Ford      Chevy      Honda       Ford      Chevy
                                                                            DC
BI 10/20........................     339.61     336.76     296.00  BI 25/50...........     517.40     517.40     504.30      65.64      65.09      58.70
PD 10...........................      In BI      In BI      In BI  PD 10..............      In BI      In BI      In BI  .........  .........  .........
Med 5...........................      41.17      40.84      40.00  Med................  .........  .........  .........  .........  .........  .........
UM..............................  .........  .........  .........  UM 25/50...........  .........  .........  .........  .........  .........  .........
CM 250..........................     392.07     422.37     571.34  CM 500.............     171.92     164.82     307.50     228.05     256.26     185.80
CL 500..........................     781.63     984.36   1,321.19  CL 500.............     432.14     443.99     579.63     180.87     221.71     227.94
                                 ---------------------------------                     -----------------------------------------------------------------
    Total*......................   1,513.31   1,743.49   2,188.53  Total..............   1,121.46   1,126.21   1,391.43     134.94     154.81     157.29
                                                                            MD
                                                                   BI 25/40...........     465.80     465.80     465.80      72.91      72.30      63.55
                                                                   PD 10..............      In BI      In BI      In BI  .........  .........  .........
                                                                   Med................  .........  .........  .........  .........  .........  .........
                                                                   UM 25/40...........  .........  .........  .........  .........  .........  .........
                                                                   CM 500.............     109.20     107.30     155.30     359.04     393.63     367.89
                                                                   CL 500.............     364.80     337.80     423.20     214.26     291.40     312.19
                                                                                       -----------------------------------------------------------------
                                                                   Total..............     939.80     910.90   1,044.30     161.02     191.40     209.57
                                                                            VA
                                                                   BI 25/50...........     276.97     282.83     264.97     122.62     119.07     111.71
                                                                   PD 20..............      In BI      In BI      In BI  .........  .........  .........
                                                                   Med................  .........  .........  .........  .........  .........  .........
                                                                   UM 25/50...........  .........  .........  .........  .........  .........  .........
                                                                   CM 500.............      73.95      77.50     106.47     530.18     544.99     536.62
                                                                   CL 500.............     211.03     208.87     225.78     370.39     471.28     585.17
                                                                                       -----------------------------------------------------------------
                                                                   Total..............     561.95     569.20     597.22     269.30     306.31     366.45

--------------------------------------------------------------------------------------------------------------------------------------------------------
                 Allowance area--adjusted values                               Reference area--normal limits                     Adjusted values
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                    Honda       Ford      Chevy                           Honda       Ford      Chevy      Honda       Ford      Chevy
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                            DC
BI 100/300......................     374.23     367.42     323.25  BI 100/300.........     638.61     648.61     627.16     419.17     422.16     368.11
PD 50...........................      In BI      In BI      In BI  PD 50..............      In BI      In BI      In BI  .........  .........  .........
Med 2...........................      41.17      40.84      40.00  Med................        N/A        N/A        N/A  .........  .........  .........
UM 100/300......................      83.27     104.38     115.52  UM 100/300.........      71.35      71.35      71.35      96.28     110.46     112.22
CM 100..........................     519.46     612.50     742.92  CM 100.............     251.26     261.91     441.14     573.01     671.17     819.65
CL 200..........................     857.46   1,136.83   1,523.21  CL 250.............     542.24     588.44     802.86     980.77   1,304.62   1,830.01
                                 ---------------------------------                     -----------------------------------------------------------------
    Total**.....................   1,875.58   2,261.96   2,745.00  Total..............   1,503.46   1,570.31   1,942.51   2,069.23   2,508.41   3,130.00
                                                                            MD
                                                                   BI 100/300.........     423.30     400.08     400.08     308.62     289.25     254.24
                                                                   PD 50..............      In BI      In BI      In BI  .........  .........  .........
                                                                   Med................        N/A        N/A        N/A  .........  .........  .........
                                                                   UM 100/300.........      47.55      60.15      61.55      76.57     115.13     128.99
                                                                   CM 100.............     125.70     149.62     179.92     451.31     588.96     661.92
                                                                   CL 250.............     325.30     335.20     388.78     697.00     976.78   1,213.73
                                                                                       -----------------------------------------------------------------
                                                                   Total..............     921.85     945.05   1,030.33   1,533.50   1,970.11   2,258.88
                                                                            VA
                                                                   BI 100/300.........     322.05     328.25     311.25     394.89     390.84     347.70
                                                                   PD 50..............      In BI      In BI      In BI  .........  .........  .........
                                                                   Med................        N/A       N./A        N/A  .........  .........  .........
                                                                   UM 100/300.........      28.58      28.58      28.75      76.96      87.54     105.36
                                                                   CM 100.............     100.73     105.94     139.24     534.05     577.37     747.19
                                                                   CL 250.............     241.53     239.58     260.76     894.60   1,129.09   1,525.88
                                                                                       -----------------------------------------------------------------
                                                                   Total..............     692.89     702.35     740.00   1,900.50   2,184.84   2,726.13
--------------------------------------------------------------------------------------------------------------------------------------------------------
Notes: Comparable coverage was priced in the allowance and in the reference area, and the premiums were compared to derive indexes for each type of
  coverage. With two exceptions, these indexes were used to adjust reference area premiums by type of coverage to estimate the cost of equivalent
  coverage in allownace area. The exceptions are Uninsured Motorist premiums, which were adjusted using the relative total cost of premiums (less
  Medical coverage where applicable), and Medical premiums, which were not adjusted because they were not part of the reference to normal coverage.
*Less Medical
**Including Medical

                                            Auto Insurance Calculation Worksheet--Special Limits Adjustments
                                                                 [Location: St. Thomas]

                 Allowance area--original values                              Reference area--special limits                         Indexes
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                    Honda       Ford      Chevy                           Honda       Ford      Chevy      Honda       Ford      Chevy
                                                                            DC
BI 10/20........................     277.81     278.39     296.00  BI 25/50...........     517.40     517.40     504.30      53.69      53.81      58.70
PD 10...........................      In BI      In BI      In BI  PD 10..............      In BI      In BI      In BI  .........  .........  .........
Med 5...........................      38.20      38.19      48.00  Med................  .........  .........  .........  .........  .........  .........
UM..............................  .........  .........  .........  UM 25/50...........  .........  .........  .........  .........  .........  .........
CM 250..........................     304.29     293.46     388.00  CM 500.............     171.92     164.82     307.50     177.00     178.05     126.18

[[Page 61405]]

CL 500..........................     563.66     555.77   1,289.00  CL 500.............     432.14     443.99     579.63     130.43     125.18     222.38
                                 ---------------------------------                     -----------------------------------------------------------------
    Total*......................   1,145.76   1,127.62   1,973.00      Total..........   1,121.46   1,126.21   1,391.43     102.17     100.13     141.80
                                                                            MD
                                                                   BI 25/40...........     465.80     465.80     465.80      59.64      59.77      63.55
                                                                   PD 10..............      In BI      In BI      In BI  .........  .........  .........
                                                                   Med................  .........  .........  .........  .........  .........  .........
                                                                   UM 25/40...........  .........  .........  .........  .........  .........  .........
                                                                   CM 500.............     109.20     107.30     155.30     278.65     273.49     249.84
                                                                   CL 500.............     364.80     337.80     423.20     154.51     164.53     304.58
                                 ---------------------------------                     -----------------------------------------------------------------
                                                                       Total..........     939.80     910.90   1,044.30     121.92     123.79     188.93
                                                                            VA
                                                                   BI 25/50...........     276.97     282.83     264.97     100.30      98.43     111.71
                                                                   PD 20..............      In BI      In BI      In BI  .........  .........  .........
                                                                   Med................  .........  .........  .........  .........  .........  .........
                                                                   UM 25/50...........  .........  .........  .........  .........  .........  .........
                                                                   CM 500.............      73.95      77.50     106.47     411.48     378.66     364.42
                                                                   CL 500.............     211.03     208.87     225.78     267.10     266.08     570.91
                                 ---------------------------------                     -----------------------------------------------------------------
                                                                       Total..........     561.95     569.20     597.22     203.89     198.11     330.36

--------------------------------------------------------------------------------------------------------------------------------------------------------
                 Allowance area--adjusted values                               Reference area--normal limits                     Adjusted values
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                    Honda       Ford      Chevy                           Honda       Ford      Chevy      Honda       Ford      Chevy
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                            DC
BI 100/300......................     306.13     303.73     323.35  BI 100/300.........     638.61     648.61     627.16     342.89     348.99     368.11
PD 50...........................      In BI      In BI      In BI  PD 50..............      In BI      In BI      In BI  .........  .........  .........
Med 2...........................      38.20      38.19      48.00  Med................        N/A        N/A        N/A  .........  .........  .........
UM 100/300......................      63.05      67.51     104.15  UM 100/300.........      71.35      71.35      71.35      72.90      71.44     101.17
CM 100..........................     403.16     425.56     504.52  CM 100.............     251.26     261.91     441.14     444.72     466.33     556.63
CL 200..........................     618.34     641.85   1,486.10  CL 250.............     542.24     588.44     802.85     707.27     736.59   1,785.43
                                 ---------------------------------                     -----------------------------------------------------------------
      Total**...................   1,428.87   1,476.84   2,466.11      Total..........   1,503.46   1,570.31   1,942.51   1,567.77   1,623.34   2,811.34
                                                                            MD
                                                                   BI 100/300.........     423.30     400.08     400.08     252.46     239.11     254.24
                                                                   PD 50..............      In BI      In BI      In BI  .........  .........  .........
                                                                   Med................        N/A        N/A        N/A  .........  .........  .........
                                                                   UM 100/300.........      47.55      60.15      61.55      57.97      74.46     116.29
                                                                   CM 100.............     125.70     149.62     179.92     350.27     409.20     449.51
                                                                   CL 250.............     325.30     335.20     388.78     502.63     551.49   1,184.16
                                                                                       -----------------------------------------------------------------
                                                                       Total..........     921.85     945.05   1,030.33   1,163.33   1,274.27   2,004.20
                                                                            VA
                                                                   BI 100/300.........     322.05     328.25     311.25     323.03     323.10     347.70
                                                                   PD 50..............      In BI      In BI      In BI  .........  .........  .........
                                                                   Med................        N/A        N/A        N/A  .........  .........  .........
                                                                   UM 100/300.........      28.58      28.58      28.75      58.27      56.62      94.98
                                                                   CM 100.............     100.73     105.94     139.24     414.48     401.15     507.42
                                                                   CL 250.............     241.53     239.58     260.76     645.13     637.48   1,488.70
                                                                  --------------------------------------------------------------------------------------
                                                                       Total..........     692.89     702.35     740.00   1,440.91   1,418.35   2,438.80
--------------------------------------------------------------------------------------------------------------------------------------------------------
Notes: Comparable coverage was priced in the allowance and in the reference area, and the premiums were compared to derive indexes for each type of
  coverage. With two exceptions, these indexes were used to adjust reference area premiums by type of coverage to estimate the cost of equivalent
  coverage in allowance area. The exceptions are Uninsured Motorist premiums, which were adjusted using the relative total cost of premiums (less
  Medical coverage where applicable), and Medical premiums, which were not adjusted because they were not part of the reference are normal coverage.
*Less Medical
**Including Medical

             Appendix 17.--Air Fares and Other Transportation Expenses Cost Analysis Summary Program
                                              [Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
                                                                   Air fares and
                                                                       other       Total cost DC
                            Location                              transportation       area            Index
                                                                   expenses cost
----------------------------------------------------------------------------------------------------------------
Honolulu, HI....................................................            $289            $441           65.53
Hawaii County, HI...............................................             427             441           96.83
Kauai County, HI................................................             419             441           95.01
Maui County, HI.................................................             429             441           97.28
Guam............................................................            1171             441          265.53
Puerto Rico.....................................................             639             441          144.90
Virgin Islands..................................................             697             441          158.05
----------------------------------------------------------------------------------------------------------------



[[Page 61406]]
         Air Fares and Other Transportation Expenses Composites
                          [Summer 1994 Survey]
------------------------------------------------------------------------
                Location                      Weights          Cost
------------------------------------------------------------------------
San Juan, PR............................           88.90            $639
Mayaguez, PR............................           11.10             639
                                         -------------------------------
    Total Weight........................          100.00  ..............
                                         ===============================
Puerto Rico cost........................  ..............             639
Hilo, HI................................           83.17             429
Kailua Kona, HI.........................           16.83             419
                                         -------------------------------
    Total Weight........................          100.00  ..............
                                         ===============================
Hawaii County, HI cost..................  ..............             427
St. Croix, VI...........................           45.09             697
St. Thomas, VI..........................           54.91             697
                                         -------------------------------
    Total Weight........................          100.00  ..............
                                         ===============================
Virgin Islands cost.....................  ..............             697
------------------------------------------------------------------------

                                      Appendix 18.--Transportation Analysis
                                  [Location: Honolulu, HI; Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
                                                                   Total annual    Total cost DC
                             Vehicle                                   cost            area            Index
----------------------------------------------------------------------------------------------------------------
1. Honda Civic DX 4 dr sdn 1.5L 4 cyl...........................           6,770           5,576          121.41
2. Fort Taurus GL 4 dr sedan 3.0L 6 cyl.........................           7,940           6,546          121.30
3. Chevy S10 Blazer 4WD 2 dr 4.3L 6 cyl.........................           7,891           6,655          118.57
                                                                 -----------------------------------------------
    Average index...............................................  ..............  ..............          120.43
----------------------------------------------------------------------------------------------------------------

                                                                 Transportation Summary
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income
                           Category                              Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
Private transportation.......................................       120.43        94.64       113.98        93.54       112.65        92.47       111.36
Air fares and other transportation expenses..................        65.53         5.36         3.51         6.46         4.23         7.53         4.93
                                                              ------------------------------------------------------------------------------------------
    Total weights............................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
    Total indexes:
      Lower..................................................  ...........  ...........       117.49  ...........  ...........  ...........  ...........
      Middle.................................................  ...........  ...........  ...........  ...........       116.88  ...........  ...........
      Upper..................................................  ...........  ...........  ...........  ...........  ...........  ...........       116.29
--------------------------------------------------------------------------------------------------------------------------------------------------------

                                             Transportation Analysis
                                [Location: Hawaii County, HI; Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
                                                                   Total annual    Total cost DC
                             Vehicle                                   cost            area            Index
----------------------------------------------------------------------------------------------------------------
1. Honda Civic DX 4 dr sdn 1.5L 4 cyl...........................          $7,810          $5,576          140.06
2. Ford Taurus GL 4 dr sedan 3.0L 6 cyl.........................           8,149           6,546          124.49
3. Chevy S10 Blazer 4WD 2 dr 4.3L 6 cyl.........................           9,340           6,655          140.35
                                                                 -----------------------------------------------
    Average index...............................................  ..............  ..............          134.97
----------------------------------------------------------------------------------------------------------------

                                                                 Transportation Summary
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income
                           Category                              Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
Private transportation.......................................       134.97        94.64       127.74        93.54       126.26        92.47      124.81

[[Page 61407]]

Air fares and other transportation expenses..................        96.83         5.36         5.19         6.46         6.25         7.53         7.29
                                                              ------------------------------------------------------------------------------------------
    Total Weights............................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
    Total indexes:
      Lower..................................................  ...........  ...........       132.93  ...........  ...........  ...........  ...........
      Middle.................................................  ...........  ...........  ...........  ...........       132.51  ...........  ...........
      Upper..................................................  ...........  ...........  ...........  ...........  ...........  ...........       132.10
--------------------------------------------------------------------------------------------------------------------------------------------------------

                                             Transportation Analysis
                                [Location: Kauai County, HI; Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
                                                                   Total annual    Total cost DC
                             Vehicle                                   cost            area            Index
----------------------------------------------------------------------------------------------------------------
1. Honda Civic DX 4 dr sdn 1.5L 4cyl............................          $7,085          $5,576          127.06
2. Ford Taurus GL 4 dr sedan 3.0L 6 cyl.........................           7,505           6,546          114.65
3. Chevy S10 Blazer 4WD 2 dr 4.3L 6 cyl.........................           9,332           6,655          140.23
                                                                 -----------------------------------------------
    Average index...............................................  ..............  ..............          127.31
----------------------------------------------------------------------------------------------------------------

                                                                 Transportation Summary
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income
                           Category                              Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
Private transportation.......................................       127.31        94.64       120.49        93.54       119.09        92.47       117.72
Air fares and other transportation expenses..................        95.01         5.36         5.09         6.46         6.13         7.53         7.15
                                                              ------------------------------------------------------------------------------------------
    Total Weights............................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
    Total indexes:
      Lower..................................................  ...........  ...........       125.58  ...........  ...........  ...........  ...........
      Middle.................................................  ...........  ...........  ...........  ...........       125.22  ...........  ...........
      Upper..................................................  ...........  ...........  ...........  ...........  ...........  ...........       124.87
--------------------------------------------------------------------------------------------------------------------------------------------------------

                                             Transportation Analysis
                                 [Location: Maui County, HI; Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
                                                                   Total annual    Total cost DC
                             Vehicle                                   cost            area            Index
----------------------------------------------------------------------------------------------------------------
1. Honda Civic DX 4 dr sdn 1.5L 4 cyl...........................          $6,788          $5,576          121.74
2. Ford Taurus GL 4 dr sedan 3.0L 6 cyl.........................           7,978           6,546          121.88
3. Chevy S10 Blazer 4WD 2 dr 4.3L 6 cyl.........................           9,570           6,655          143.80
                                                                 -----------------------------------------------
    Average index...............................................  ..............  ..............          129.14
----------------------------------------------------------------------------------------------------------------

                                                                 Transportation Summary
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income
                           Category                              Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
Private transportation.......................................       129.14        94.64       122.22        93.54       120.80        92.47       119.42
Air fares and other transportation expenses..................        97.28         5.36         5.21         6.46         6.28         7.53         7.32
                                                              ------------------------------------------------------------------------------------------
    Total weights............................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
    Total indexes:
      Lower..................................................  ...........  ...........       127.43  ...........  ...........  ...........  ...........

[[Page 61408]]

      Middle.................................................  ...........  ...........  ...........  ...........       127.08  ...........  ...........
      Upper..................................................  ...........  ...........  ...........  ...........  ...........  ...........       126.74
--------------------------------------------------------------------------------------------------------------------------------------------------------

                                             Transportation Analysis
                                      [Location: Guam; Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
                                                                   Total annual    Total cost DC
                             Vehicle                                   cost            area            Index
----------------------------------------------------------------------------------------------------------------
1. Honda Civic DX 4 dr sdn 1.5L 4 cyl...........................          $5,611          $5,576          100.63
2. Ford Taurus GL 4 dr sedan 3.0L 6 cyl.........................           8,685           6,546          132.68
3. Chevy S10 Blazer 4WD 2 dr 4.3L 6 cyl.........................           7,854           6,655          118.02
                                                                 -----------------------------------------------
    Average index...............................................  ..............  ..............          117.11
----------------------------------------------------------------------------------------------------------------

                                                                 Transportation Summary
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income
                           Category                              Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
Private transportation.......................................       117.11        94.64       110.84        93.54       109.55        92.47       108.29
Air fares and other transportation expenses..................       265.53         5.36        14.22         6.46        17.14         7.53        19.99
                                                              ------------------------------------------------------------------------------------------
    Total weights............................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
    Total indexes:
      Lower..................................................  ...........  ...........       125.06  ...........  ...........  ...........  ...........
      Middle.................................................  ...........  ...........  ...........  ...........       126.69  ...........  ...........
      Upper..................................................  ...........  ...........  ...........  ...........  ...........  ...........       128.28
--------------------------------------------------------------------------------------------------------------------------------------------------------

                                             Transportation Analysis
                                   [Location: Puerto Rico; Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
                                                                   Total annual    Total cost DC
                             Vehicle                                   cost            area            Index
----------------------------------------------------------------------------------------------------------------
1. Honda Civic DX 4 dr sdn 1.5L 4 cyl...........................          $6,424          $5,576          115.21
2. Ford Taurus GL 4 dr Sedan 3.0L 6 cyl.........................           7,669           6,549          117.16
3. Chevy S10 Blazer 4WD 2 dr 4.3L 6 cyl.........................           8,328           6,655          125.14
                                                                 -----------------------------------------------
    Average index...............................................  ..............  ..............          119.17
----------------------------------------------------------------------------------------------------------------

                                                                 Transportation Summary
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income
                           Category                              Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
Private transportation.......................................       119.17        94.64       112.79        93.54       111.48        92.47       110.20
Air Fares and other transportation expenses..................       144.90         5.36         7.76         6.46         9.35         7.53        10.31
                                                              ------------------------------------------------------------------------------------------
    Total weights............................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
    Total indexes:
      Lower..................................................  ...........  ...........       120.55  ...........  ...........  ...........  ...........
      Middle.................................................  ...........  ...........  ...........  ...........       120.83  ...........  ...........
      Upper..................................................  ...........  ...........  ...........  ...........  ...........  ...........       121.11
--------------------------------------------------------------------------------------------------------------------------------------------------------



[[Page 61409]]
                                             Transportation Analysis
                                 [Location: Virgin Islands; Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
                                                                   Total annual    Total cost DC
                             Vehicle                                   cost            area            Index
----------------------------------------------------------------------------------------------------------------
1. Honda Civic DX 4 dr sdn 1.5L 4 cyl...........................          $6,536          $5,576          117.22
2. Ford Taurus GL 4 dr sedan 3.0L 6 cyl.........................           7,910           6,546          120.84
3. Chevy S10 Blazer 4WD 2 dr 4.3L 6 cyl.........................           9,297           6,655          139.70
                                                                 -----------------------------------------------
    Average index...............................................  ..............  ..............          125.92
----------------------------------------------------------------------------------------------------------------

                                                                 Transportation Summary
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income
                           Category                              Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
Private transportation.......................................       125.92        94.64       119.18        93.54       117.79        92.47       116.44
Air fares and other transportation expenses..................       158.05         5.36         8.47         6.46        10.20         7.53        11.90
                                                              ------------------------------------------------------------------------------------------
    Total weights............................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
    Total indexes:
      Lower..................................................  ...........  ...........       127.65  ...........  ...........  ...........  ...........
      Middle.................................................  ...........  ...........  ...........  ...........       127.99  ...........  ...........
      Upper..................................................  ...........  ...........  ...........  ...........  ...........  ...........       128.34
--------------------------------------------------------------------------------------------------------------------------------------------------------

                     Appendix 19--Miscellaneous Expense Analysis--Category Index Development
                                  [Location: Honolulu, HI; Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
                                                   Price DC
           Category/item               Price         area        Ratio       Weights      Subtotal      Index
----------------------------------------------------------------------------------------------------------------
Medical care......................  ...........  ...........  ...........  ...........  ...........       104.94
Nonprescription pain reliever.....       8.3800       5.5800       1.5018          4.9         7.36  ...........
Tetracycline......................       5.9200       5.3000       1.1170         12.2        13.66  ...........
Vision check......................      67.2400      51.1700       1.3141          5.5         7.17  ...........
Dental service....................     128.0000     108.5600       1.1791         16.1        18.97  ...........
Doctor visit......................      38.9600      55.8300       0.6978         15.9        11.11  ...........
Hospital room.....................     581.5000     445.2300       1.3061          4.1         5.37  ...........
Health insurance..................       1.0000       1.0000       1.0000         41.3        41.30  ...........
----------------------------------------------------------------------------------------------------------------

                                                                 Total Index Development
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income
                          Categories                             Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
1. Medical care..............................................       104.94        41.50        43.55        31.33        32.87        23.51        24.68
2. Cash contributions:
    Lower income.............................................       116.33        15.80        18.38         0.00         0.00         0.00         0.00
    Middle income............................................       115.43         0.00         0.00        16.85        19.45         0.00         0.00
    Upper income.............................................       114.55         0.00         0.00         0.00         0.00        17.65        20.22
3. Personal insurance/pensions...............................       100.00        42.70        42.70        51.82        51.82        58.83        58.83
                                                              ------------------------------------------------------------------------------------------
    Total weights............................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
    Total indexes:
      Lower..................................................  ...........  ...........       104.63  ...........  ...........  ...........  ...........
      Middle.................................................  ...........  ...........  ...........  ...........       104.14  ...........  ...........
      Upper..................................................  ...........  ...........  ...........  ...........  ...........  ...........       103.73
--------------------------------------------------------------------------------------------------------------------------------------------------------

                           Miscellaneous Expense Analysis--Category Index Development
                                    [Location: Hilo, HI; Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
                                                   Price DC
           Category/item               Price         area        Ratio       Weights      Subtotal      Index
----------------------------------------------------------------------------------------------------------------
Medical care......................  ...........  ...........  ...........  ...........  ...........       105.53
Nonprescription pain reliever.....       7.4600       5.5800       1.3369          4.9         6.55  ...........

[[Page 61410]]

Tetracycline......................       6.6000       5.3000       1.2453         12.2        15.23  ...........
Vision check......................      67.6000      51.1700       1.3211          5.5         7.21  ...........
Dental service....................     133.0000     108.5600       1.2251         16.1        19.71  ...........
Doctor visit......................      37.0000      55.8300       0.6627         15.9        10.55  ...........
Hospital room.....................     539.0000     445.2300       1.2106          4.1         4.98  ...........
Health insurance..................       1.0000       1.0000       1.0000         41.3        41.30  ...........
----------------------------------------------------------------------------------------------------------------

                                                                 Total Index Development
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income
                          Categories                             Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
1. Medical care..............................................       105.53        41.50        43.79        31.33        33.06        23.51        24.81
2. Cash contributions:
    Lower income.............................................       115.28        15.80        18.21         0.00         0.00         0.00         0.00
    Middle income............................................       114.53         0.00         0.00        16.85        19.30         0.00         0.00
    Upper income.............................................       113.81         0.00         0.00         0.00         0.00        17.65        20.09
3. Personal insurance/pensions...............................       100.00        42.70        42.70        51.82        51.82        58.83        58.83
                                                              ------------------------------------------------------------------------------------------
      Total weights..........................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
      Total indexes:
        Lower................................................  ...........  ...........       104.70  ...........  ...........  ...........  ...........
        Middle...............................................  ...........  ...........  ...........  ...........       104.18  ...........  ...........
        Upper................................................  ...........  ...........  ...........  ...........  ...........  ...........       103.73
--------------------------------------------------------------------------------------------------------------------------------------------------------

                           Miscellaneous Expense Analysis--Category Index Development
                                 [Location: Kailua Kona, HI; Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
                                                   Price DC
           Category/item               Price         area        Ratio       Weights      Subtotal      Index
----------------------------------------------------------------------------------------------------------------
Medical care......................  ...........  ...........  ...........  ...........  ...........       116.44
Nonprescription pain reliever.....       8.5700       5.5800       1.5358          4.9         7.53  ...........
Tetracycline......................       7.1400       5.3000       1.3472         12.2        16.48  ...........
Vision check......................      65.0000      51.1700       1.2703          5.5         6.94  ...........
Dental service....................     156.7000     108.5600       1.4434         16.1        23.22  ...........
Doctor visit......................      57.3300      55.8300       1.0269         15.9        16.35  ...........
Hospital room.....................     500.0000     445.2300       1.1230          4.1         4.62  ...........
Health insurance..................       1.0000       1.0000       1.0000         41.3        41.30  ...........
----------------------------------------------------------------------------------------------------------------

                                                                 Total Index Development
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                      Lower                 Middle income             Upper income
                          Categories                             Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
1. Medical care..............................................       116.44        41.50        48.32        31.33        36.48        23.51        27.38
2. Cash contributions:
    Lower income.............................................       116.07        15.80        18.34         0.00         0.00         0.00         0.00
    Middle income............................................       115.35         0.00         0.00        16.85        19.44         0.00         0.00
    Upper income.............................................       114.63         0.00         0.00         0.00         0.00        17.65        20.24
3. Personal insurance/pensions...............................       100.00        42.70        42.70        51.82        51.82        58.83        58.83
                                                              ------------------------------------------------------------------------------------------
      Total weights..........................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
      Total indexes:
        Lower................................................  ...........  ...........       109.36  ...........  ...........  ...........  ...........
        Middle...............................................  ...........  ...........  ...........  ...........       107.74  ...........  ...........
        Upper................................................  ...........  ...........  ...........  ...........  ...........  ...........       106.45
--------------------------------------------------------------------------------------------------------------------------------------------------------



[[Page 61411]]
         Miscellaneous Expense Analysis--Hawaii County Composite
                          [Summer 1994 Survey]
------------------------------------------------------------------------
                                                  Total indexes
                                        --------------------------------
          Location             Weights     Lower      Middle     Upper
                                           income     income     income
------------------------------------------------------------------------
Hilo, HI....................      83.17     104.70     104.18     103.73
Kailua Kona, HI.............      16.83     109.36     107.74     106.45
                             -------------------------------------------
    Total weight............     100.00  .........  .........  .........
    Composite indexes.......  .........     105.48     104.78     104.19
------------------------------------------------------------------------

                            Miscellaneous Expense Account--Category Index Development
                                [Location: Kauai County, HI; Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
                                                   Price DC
           Category/item               Price         area        Ratio       Weights      Subtotal      Index
----------------------------------------------------------------------------------------------------------------
Medical care......................  ...........  ...........  ...........  ...........  ...........       110.96
Nonprescription pain reliever.....       8.6200       5.5800       1.5448          4.9         7.57  ...........
Tetracycline......................       7.3700       5.3000       1.3906         12.2        17.01  ...........
Vision check......................      63.0000      51.1700       1.2312          5.5         6.72  ...........
Dental service....................     142.6700     108.5600       1.3142         16.1        21.15  ...........
Doctor visit......................      42.9000      55.8300       0.7684         15.9        12.23  ...........
Hospital room.....................     539.0000     445.2300       1.2106          4.1         4.98  ...........
Health insurance..................       1.0000       1.0000       1.0000         41.3        41.30  ...........
----------------------------------------------------------------------------------------------------------------

                                                                 Total Index Development
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income
                          Categories                             Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
1. Medical care..............................................       110.96        41.50        46.05        31.33        34.76        23.51        26.09
2. Cash contributions:
    Lower income.............................................       119.18        15.80        18.83         0.00         0.00         0.00         0.00
    Middle income............................................       118.11         0.00         0.00        16.85        19.90         0.00         0.00
    Upper income.............................................       117.09         0.00         0.00         0.00         0.00        17.65        20.67
3. Personal insurance/pensions...............................       100.00        42.70        42.70        51.82        51.82        58.83        58.83
                                                              ------------------------------------------------------------------------------------------
      Total weights..........................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
      Total indexes:
        Lower................................................  ...........  ...........       107.58  ...........  ...........  ...........  ...........
        Middle...............................................  ...........  ...........  ...........  ...........       106.48  ...........  ...........
        Upper................................................  ...........  ...........  ...........  ...........  ...........  ...........       105.59
--------------------------------------------------------------------------------------------------------------------------------------------------------

                           Miscellaneous Expense Analysis--Category Index Development
                                 [Location: Maui County, HI; Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
                                                   Price DC
           Category/item               Price         area        Ratio       Weights      Subtotal      Index
----------------------------------------------------------------------------------------------------------------
Medical care......................  ...........  ...........  ...........  ...........  ...........       114.37
Nonprescription pain reliever.....       9.3100       5.5800       1.6685          4.9         8.18  ...........
Tetracycline......................       6.5600       5.3000       1.2377         12.2        15.14  ...........
Vision check......................      55.7300      51.1700       1.0891          5.5         5.95  ...........
Dental service....................     159.4200     108.5600       1.4685         16.1        23.63  ...........
Doctor visit......................      53.2700      55.8300       0.9541         15.9        15.19  ...........
Hospital room.....................     539.0000     445.2300       1.2106          4.1         4.98  ...........
Health insurance..................       1.0000       1.0000       1.0000         41.3        41.30  ...........
----------------------------------------------------------------------------------------------------------------

                                                                 Total Index Development
                                                     [Location: Maui County, HI; Summer 1994 Survey]
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income
                          Categories                             Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
1. Medical care..............................................       114.37        41.50        47.46        31.33        35.83        23.51        26.89

[[Page 61412]]

2. Cash contributions:                                         ...........  ...........  ...........  ...........  ...........  ...........         0.00
    Lower income.............................................       120.24        15.80        19.00         0.00         0.00         0.00         0.00
    Middle income............................................       119.37         0.00         0.00        16.85        20.11         0.00         0.00
    Upper income.............................................       118.54         0.00         0.00         0.00         0.00        17.65        20.93
3. Personal insurance/pensions...............................       100.00        42.70        42.70        51.82        51.82        58.83        58.83
                                                              ------------------------------------------------------------------------------------------
      Total weights..........................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
      Total indexes:
        Lower................................................  ...........  ...........       109.16  ...........  ...........  ...........  ...........
        Middle...............................................  ...........  ...........  ...........  ...........       107.76  ...........  ...........
        Upper................................................  ...........  ...........  ...........  ...........  ...........  ...........       106.65
--------------------------------------------------------------------------------------------------------------------------------------------------------

                           Miscellaneous Expense Analysis--Category Index Development
                                      [Location: Guam; Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
                                                   Price DC
           Category/item               Price         area        Ratio       Weights      Subtotal      Index
----------------------------------------------------------------------------------------------------------------
Medical care......................  ...........  ...........  ...........  ...........  ...........       100.03
Nonprescription pain reliever.....       9.6100       5.5800       1.7222          4.9         8.44  ...........
Tetracycline......................       4.3000       5.3000       0.8113         12.2         9.92  ...........
Vision check......................      20.0000      51.1700       0.3909          5.5         2.13  ...........
Dental service....................     172.0000     108.5600       1.5844         16.1        25.49  ...........
Doctor visit......................      37.3300      55.8300       0.6686         15.9        10.64  ...........
Hospital room.....................     229.0000     445.2300       0.5143          4.1         2.11  ...........
Health insurance..................       1.0000       1.0000       1.0000         41.3        41.30  ...........
----------------------------------------------------------------------------------------------------------------

                                                                 Total Index Development
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income
                          Categories                             Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
1. Medical care..............................................       100.03        41.50        41.51        31.33        31.34        23.51        23.52
2. Cash contributions:
    Lower income.............................................       115.98        15.80        18.33         0.00         0.00         0.00         0.00
    Middle income............................................       116.04         0.00         0.00        16.85        19.55         0.00         0.00
    Upper income.............................................       116.11         0.00         0.00         0.00         0.00        17.65        20.50
3. Personal Insurance/Pensions...............................       100.00        42.70        42.70        51.82        51.82        58.83        58.83
                                                              ------------------------------------------------------------------------------------------
      Total weights..........................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
      Total indexes:
        Lower................................................  ...........  ...........       102.54  ...........  ...........  ...........  ...........
        Middle...............................................  ...........  ...........  ...........  ...........       102.71  ...........  ...........
        Upper................................................  ...........  ...........  ...........  ...........  ...........  ...........       102.85
--------------------------------------------------------------------------------------------------------------------------------------------------------

                           Miscellaneous Expense Analysis--Category Index Development
                                  [Location: Mayaguez, PR; Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
                                                   Price DC
           Category/item               Price         area        Ratio       Weights      Subtotal      Index
----------------------------------------------------------------------------------------------------------------
Medical care......................  ...........  ...........  ...........  ...........  ...........        76.60
Nonprescription pain reliever.....       5.9500       5.5800       1.0663          4.9         5.22  ...........
Tetracycline......................       3.4300       5.3000       0.6472         12.2         7.92  ...........
Vision check......................      26.6700      51.1700       0.5212          5.5         2.85  ...........
Dental service....................      73.3300     108.5600       0.6755         16.1        10.87  ...........
Doctor visit......................      21.6700      55.8300       0.3881         15.9         6.18  ...........
Hospital room.....................     245.0000     445.2300       0.5503          4.1         2.26  ...........
Health insurance..................       1.0000       1.0000       1.0000         41.3        41.30  ...........
----------------------------------------------------------------------------------------------------------------



[[Page 61413]]
                                                                 Total Index Development
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income
                          Categories                             Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
1. Medical care..............................................        76.60        41.50        31.79        31.33        24.00        23.51        18.01
2. Cash contributions:
    Lower income.............................................        93.40        15.80        14.76         0.00         0.00         0.00         0.00
    Middle income............................................        92.90         0.00         0.00        16.85        15.65         0.00         0.00
    Upper income.............................................        92.40         0.00         0.00         0.00         0.00        17.65        16.31
3. Personal insurance/pensions...............................       100.00        42.70        42.70        51.82        51.82        58.83        58.83
                                                              ------------------------------------------------------------------------------------------
    Total weights............................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
    Total indexes:
      Lower..................................................  ...........  ...........        89.25  ...........  ...........  ...........  ...........
      Middle.................................................  ...........  ...........  ...........  ...........        91.47  ...........  ...........
      Upper..................................................  ...........  ...........  ...........  ...........  ...........  ...........        93.15
--------------------------------------------------------------------------------------------------------------------------------------------------------

                           Miscellaneous Expense Analysis--Category Index Development
                                  [Location: San Juan, PR; Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
                                                   Price DC
           Category/item               Price         area        Ratio       Weights      Subtotal      Index
----------------------------------------------------------------------------------------------------------------
Medical care......................  ...........  ...........  ...........  ...........  ...........        77.79
Nonprescription pain reliever.....       5.5100       5.5800       0.9875          4.9         4.84  ...........
Tetracycline......................       3.4300       5.3000       0.6472         12.2         7.92  ...........
Vision check......................      32.5000      51.1700       0.6351          5.5         3.47  ...........
Dental service....................      65.0000     108.5600       0.5987         16.1         9.63  ...........
Doctor visit......................      30.0000      55.8300       0.5373         15.9         8.55  ...........
Hospital room.....................     225.0000     445.2300       0.5054          4.1         2.08  ...........
Health insurance..................       1.0000       1.0000       1.0000         41.3        41.30  ...........
----------------------------------------------------------------------------------------------------------------

                                                                 Total Index Development
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income
                          Categories                             Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
1. Medical care..............................................        77.79        41.50        32.28        31.33        24.37        23.51        18.29
2. Cash contributions:
    Lower income.............................................       103.10        15.80        16.29         0.00         0.00         0.00         0.00
    Middle income............................................       103.14         0.00         0.00        16.85        17.38         0.00         0.00
    Upper income.............................................       103.17         0.00         0.00         0.00         0.00        17.65        18.21
3. Personal insurance/pensions...............................       100.00        42.70        42.70        51.82        51.82        58.83        58.83
                                                              ------------------------------------------------------------------------------------------
    Total weights............................................  ...........      100.000  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
    Total indexes:
      Lower..................................................  ...........  ...........        91.27  ...........  ...........  ...........  ...........
      Middle.................................................  ...........  ...........  ...........  ...........        93.57  ...........  ...........
      Upper..................................................  ...........  ...........  ...........  ...........  ...........  ...........        95.33
--------------------------------------------------------------------------------------------------------------------------------------------------------

          Miscellaneous Expense Analysis--Puerto Rico Composite
                          [Summer 1994 Survey]
------------------------------------------------------------------------
                                                  Total indexes
                                        --------------------------------
          Location             Weights     Lower      Middle     Upper
                                           income     income     income
------------------------------------------------------------------------
San Juan, PR................      88.90      91.27      93.57      95.33
Mayaguez, PR................      11.10      89.25      91.47      93.15
                             -------------------------------------------
      Total weight..........     100.00  .........  .........  .........
      Composite indexes.....  .........      91.05      93.34      95.09
------------------------------------------------------------------------



[[Page 61414]]
                           Miscellaneous Expense Analysis--Category Index Development
                                  [Location: St. Croix, VI; Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
                                                   Price DC
           Category/item               Price         Area        Ratio       Weights      Subtotal      Index
----------------------------------------------------------------------------------------------------------------
Medical care......................  ...........  ...........  ...........  ...........  ...........        84.45
Nonprescription pain reliever.....       6.1600       5.5800       1.1039          4.9         5.41  ...........
Tetracycline......................       5.9300       5.3000       1.1189         12.2        13.68  ...........
Vision check......................      46.6700      51.1700       0.9121          5.5         4.98  ...........
Dental service....................      57.3300     108.5600       0.5281         16.1         8.50  ...........
Doctor visit......................      30.0000      55.8300       0.5373         15.9         8.55  ...........
Hospital room.....................     220.0000     445.2300       0.4941          4.1         2.03  ...........
Health insurance..................       1.0000       1.0000       1.0000         41.3        41.30  ...........
----------------------------------------------------------------------------------------------------------------

                                                                 Total Index Development
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income
                          Categories                             Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
1. Medical care..............................................        84.45        41.50        35.04        31.33        26.46        23.51        19.86
2. Cash contributions:
    Lower income.............................................       105.06        15.80        16.60         0.00         0.00         0.00         0.00
    Middle income............................................       104.67         0.00         0.00        16.85        17.64         0.00         0.00
    Upper income.............................................       104.27         0.00         0.00         0.00         0.00        17.65        18.41
3. Personal insurance/pensions...............................       100.00        42.70        42.70        51.82        51.82        58.83        58.83
                                                              ------------------------------------------------------------------------------------------
      Total weights..........................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
      Total indexes:
        Lower................................................  ...........  ...........        94.34  ...........  ...........  ...........  ...........
        Middle...............................................  ...........  ...........  ...........  ...........        95.92  ...........  ...........
        Upper................................................  ...........  ...........  ...........  ...........  ...........  ...........        97.10
--------------------------------------------------------------------------------------------------------------------------------------------------------

                           Miscellaneous Expense Analysis--Category Index Development
                                 [Location: St. Thomas, VI; Summer 1994 Survey]
----------------------------------------------------------------------------------------------------------------
                                                   Price DC
           Category/item               Price         area        Ratio       Weights      Subtotal      Index
----------------------------------------------------------------------------------------------------------------
Medical care......................  ...........  ...........  ...........  ...........  ...........       126.87
Nonprescription pain reliever.....       8.0500       5.5800       1.4427          4.9         7.07  ...........
Tetracycline......................      16.1400       5.3000       3.0453         12.2        37.24  ...........
Vision check......................      45.0000      51.1700       0.8794          5.5         4.80  ...........
Dental service....................      97.0000     108.5600       0.8935         16.1        14.38  ...........
Doctor visist.....................      63.3300      55.8300       1.1343         15.9        18.06  ...........
Hospital room.....................     435.0000     445.2300       0.9770          4.1         4.02  ...........
Health insurance..................       1.0000       1.0000       1.0000         41.3        41.30  ...........
----------------------------------------------------------------------------------------------------------------

                                                                 Total Index Development
--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                  Lower income              Middle income             Upper income
                          Categories                             Category  -----------------------------------------------------------------------------
                                                                 indexes      Weights      Subtotal     Weights      Subtotal     Weights      Subtotal
--------------------------------------------------------------------------------------------------------------------------------------------------------
1. Medical care..............................................       126.87        41.50        52.65        31.33        39.74        23.51        29.83
2. Cash contributions:
    Lower income.............................................       108.23        15.80        17.10         0.00         0.00         0.00         0.00
    Middle income............................................       108.20         0.00         0.00        16.85        18.23         0.00         0.00
    Upper income.............................................       108.11         0.00         0.00         0.00         0.00        17.65        19.09
3. Personal insurance/pensions...............................       100.00        42.70        42.70        51.82        51.82        58.83        58.83
                                                              ------------------------------------------------------------------------------------------
      Total weights..........................................  ...........       100.00  ...........       100.00  ...........       100.00  ...........
                                                              ------------------------------------------------------------------------------------------
      Total indexes:
        Lower................................................  ...........  ...........       112.45  ...........  ...........  ...........  ...........
        Middle...............................................  ...........  ...........  ...........  ...........       109.79  ...........  ...........
        Upper................................................  ...........  ...........  ...........  ...........  ...........  ...........       107.75
--------------------------------------------------------------------------------------------------------------------------------------------------------



[[Page 61415]]
        Miscellaneous Expense Analysis--Virgin Islands Composite
                          [Summer 1994 Survey]
------------------------------------------------------------------------
                                                  Total indexes
                                        --------------------------------
          Location             Weights     Lower      Middle     Upper
                                           income     income     income
------------------------------------------------------------------------
St. Croix, VI...............      45.09      94.34      95.92      97.10
St. Thomas, VI..............      54.91     112.45     109.79     107.75
                             -------------------------------------------
      Total weight..........     100.00  .........  .........  .........
      Composite indexes.....                104.28     103.54     102.95
------------------------------------------------------------------------

BILLING CODE 6325-01-U-M

[[Page 61416]]

APPENDIX 20  [Note: This appendix was recreated in ASCII text format by OPM.]
                                                                
                                                        COMPONENT EXPENDITURE AMOUNTS

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

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

LOCATION

Honolulu, HI           Lower     116.33  176.69  141.09  117.49  104.63      9703   9191   7340   4627   3474
(City and County)      Middle    115.43  179.16  128.86  116.88  104.14     14351  13536   9735   6871   5867
                       Upper     114.55  139.53  105.67  116.29  103.73     21507  15507  11744  10341   9875

Hawaii County, HI      Lower     115.41  111.10  113.11  132.93  105.48      9626   5779   5884   5235   3502
                       Middle    114.67  105.91  104.28  132.51  104.78     14257   8002   7878   7790   5903
                       Upper     113.95   85.30   80.01  132.10  104.19     21394   9480   8892  11746   9919

Kauai County, HI       Lower     119.18  141.07  131.25  125.58  107.58      9941   7338   6828   4945   3572
                       Middle    118.11  129.98  116.04  125.22  106.48     14685   9820   8767   7362   5999
                       Upper     117.09  104.45   94.68  124.87  105.59     21984  11609  10523  11103  10052

Maui County, HI        Lower     120.24  158.86  119.19  127.43  109.16     10029   8264   6200   5018   3624
                       Middle    119.37  150.23  115.22  127.08  107.76     14841  11350   8705   7471   6071
                       Upper     118.54  121.03  86.20   126.74  106.65     22256  13451   9580  11270  10153

Guam                   Lower     115.98  138.07  147.39  125.06  102.54      9674   7182   7667   4925   3404
(Local Retail)         Middle    116.04  124.90  132.26  126.69  102.71     14427   9436   9992   7448   5787
                       Upper     161.11  127.83  110.28  128.28  102.85     21800  14207  12257  11407   9791

Guam                   Lower      99.96  138.07  147.39  125.06  102.54      8338   7182   7667   4925   3404
(Commissary            Middle    100.90  124.90  132.26  126.69  102.71     12545   9436   9992   7448   5787
and Exchange)          Upper     101.80  127.83  110.28  128.28  102.85     19113  14207  12257  11407   9791

Puerto Rico            Lower     102.02   67.26   83.88  120.55   91.05      8509   3499   4363   4747   3023
                       Middle    102.00   64.19  116.22  120.83   93.34     12682   4850   8780   7104   5259
                       Upper     101.97   63.73  106.96  121.11   95.09     19145   7083  11888  10769   9053

Virgin Islands         Lower     106.80  127.38  118.08  127.65  104.28      8908   6626   6143   5027   3462
                       Middle    106.61  129.59  108.40  127.99  103.54     13255   9791   8190   7525   5833
                       Upper     106.38  108.55  100.82  128.34  102.95     19973  12064  11205  11412   9801


[[Page 61417]]

                                                      TOTAL COMPARATIVE COST INDEXES

                                   INCOME
                       INCOME      WEIGHTS     OWN     RENT      TOTAL     WDC         INDEX

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

LOCATION                         
                                 
Honolulu, HI           Lower        33.49     26995    25144     25855     20800
(City and County)      Middle       33.25     40625    36824     38628     31500
                       Upper        33.26     57230    53467     55788     48300
                                  [100.00]                      [40058]   [33504]      [119.56] 
                                 
Hawaii County, HI      Lower        37.87     24142    24247     24207     20800
                       Middle       39.24     35952    35828     35887     31500
                       Upper        22.89     52539    51951     52314     48300
                                  [100.00]                      [35224]   [31293]      [112.56] 
                                 
Kauai County, HI       Lower        28.57     25796    25286     25482     20800
                       Middle       38.24     37866    36813     37313     31500
                       Upper        33.19     54748    53662     54332     48300
                                  [100.00]                      [39581]   [34019]      [116.35] 
                                 
Maui County, HI        Lower        24.65     26935    24871     25664     20800
                       Middle       40.84     39733    37088     38343     31500
                       Upper        34.51     57130    53259     55646     48300
                                  [100.00]                      [41189]   [34660]      [118.84] 
                                 
Guam                   Lower        48.31     25185    25670     25484     20800
(Local Retail)         Middle       31.28     37098    37654     37390     31500
                       Upper        20.41     57205    55255     56458     48300
                                  [100.00]                      [35530]   [29760]      [119.39] 
                                 
Guam                   Lower        48.31     23849    24334     24148     20800
(Commissary            Middle       31.28     35216    35772     35508     31500
and Exchange)          Upper        20.41     54518    52568     53771     48300
                                  [100.00]                      [33747]   [29760]      [113.40] 
                                 
Puerto Rico            Lower        41.91     19778    20642     20310     20800
                       Middle       37.94     29895    33825     31960     31500
                       Upper        20.15     46050    50855     47892     48300
                                  [100.00]                     [30288]   [30401]        [99.63] 
                                 
Virgin Islands         Lower        37.54     24023    23540     23726     20800
                       Middle       40.92     36404    34803     35563     31500
                       Upper        21.54     53250    52391     52921     48300
                                  [100.00]                      [34858]   [31102]      [112.08] 
                                 




[FR Doc. 95-28905 Filed 11-28-95; 8:45 am]
BILLING CODE 6325-01-U-M