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                 CODEBOOK FOR 1983-1989 PANEL SCF

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

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To:      Users of the 1983-89 SCF Panel Data
From:    Arthur Kennickell, SCF Project Director
Date:    March 5, 1996

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NOTE: THIS DATASET IS NOT INTENDED TO REPRODUCE THE CROSS-SECTION
RESULTS FROM THE 1983 OR 1989 SCF

     This codebook describes briefly the construction of the 1983-1989
SCF panel dataset.  It also provides the authoritative descriptions
of the variables in the dataset.  For additional detail the user is
referred to the codebooks for the 1983, 1986 and 1989 surveys and to
Kennickell and McManus [1994] ("Multiple Imputation of the 1983 and
1989 Waves of the SCF").
     The 1983 SCF was the first comprehensive wealth survey since the
1963 Survey of Financial Characteristics of Consumers and the 1964
reinterview which were conducted by Dorothy Projector at the Federal
Reserve.  In 1986 a very brief reinterview was conducted with the 1983
SCF respondents.  The 1989 SCF has a complex sample design which
provides both cross-section representation as well as information on
a subset of the 1983 respondents.
     The 1983 SCF was based on a dual-frame design.  One part was an
area-probability sample, which was intended to provide good coverage of
assets and liabilities that are broadly distributed in the population
(such as cars, mortgages, etc.).  The second part of the sample was a
list of names developed from a sample of tax files maintained by the
Statistics of Income Division of the Internal Revenue Service.  The
list sample was designed to improve the precision of estimates of
assets and liabilities that are held more narrowly by relatively
wealthy households.  For more detail on the sample, see the 1983
cross-section codebook.
     In 1989, there was a need to collect cross-section information on
household finances.  In addition, there was a strong interest in
following the behavior of the 1983 SCF respondents.  A complex sample
design was created to meet these objective and to control costs.  The
final sample design for the 1989 SCF falls into two large pieces, a
completely new cross-section sample of 2000 completed cases and a
group of 1803 cases from an overlapping panel/cross-section design.
This second part of the sample consists of three major parts.  First,
there is a list sample developed in 1983 using tax records.  Since the
cross-section representation of these cases is not known, they are
counted only as panel cases.  The remaining cases derive from a
modification of an area-probability sample generated for the 1983 SCF.
An interviewer was sent to a subsample of 1983 addresses, which is
described more fully below.  If the person living at that address was
a respondent to the 1983 SCF or the spouse or partner of that person,
an attempt was made to obtain an interview.  If the person living
there was a new person, an interview was attempted, and for a
subsample the original respondent was also pursued.  The new person
had only cross-section representation and the 1983 respondent had only
panel representation.  In general, the sample followed both 1983
respondents and the spouses or partners of 1983 respondents in cases
where the original couple had dissolved.  A small supplemental sample
was added to the panel/cross-section to compensate for new
construction.  For more detail, see the 1989 cross-section codebook and 
the Sample Design and Weighting Documentation (Heeringa, Connor & 
Woodburn, 1994).
     The cleaned and imputed versions of the entire 1983 and 1986
surveys have been released to the public.  The public version of the
1986 SCF is cleaned and imputed using information for the first two
waves of the survey.  Previously only the cross-section part of the
1989 survey has been made available.  The dataset accompanying this
documentation includes all cases that were interviewed in 1989 that
have either cross-section and panel representation or only panel
representation.  Of the 1479 cases in the panel dataset, 849 were
included in the cross-section data release (these are households in
the area-probability sample that did not move from their 1983
residence).
     In the 1989 survey, the questionnaires for the panel and
cross-section cases differed mainly in two areas.  Unlike the
cross-section questionnaire, the panel questionnaire assumed the
availability of information reported earlier on marital history and
work history.  Data from the earlier surveys were used to construct
variables for the panel cases that are comparable to those available
directly for the cross-section cases.  Thus, the panel cases
contain original or recoded information corresponding to all of the
variables described in the codebook for the 1989 cross-section, a
version of which is included as Section V of this codebook.  Not all
variables in the codebook are available on the public use dataset.  The
definitive list of the variables included in the public dataset is
given at the end of this codebook.
	The editing and imputation of panel data raises many problems
(Kennickell and McManus 1994).  There is an immense amount of
information in the 1983, 1986  and 1989 surveys that could be checked
for inconsistencies and imputed for missing information.  There are
several thousand variables available in each survey.  In principle,
all of these variables form a joint distribution to be edited and
imputed simultaneously.  While the editing task is very complicated,
the imputation task is much more formidable.  A respondent may have
very complicated patterns of missing data over time.  All missing data
should, in principle, be imputed conditioning on information available
regardless of the year of the survey.  Thus, one should reimpute
earlier data to account for any new information.
     To reduce the problems of processing the 1983-1989 panel data to
a managable level, a decision was made to limit the problem in
significant ways.  First, the 1986 SCF is treated only as a source of
limited information for the construction of the cross-section
variables mentioned above and for some very limited editing.  No other
information from the 1986 SCF is used in the construction of the
1983-1989 panel file and 1986 variables were not used to condition
either the 1983 or 1989 imputations.  Thus, USERS ARE ADVISED NOT TO
USE THE IMPUTED DATA IN THIS FILE TOGETHER WITH IMPUTED 1986 DATA
WITHOUT DETAILED CONSIDERATION.  Second, to reduce the scale of the
editing and imputation problem further, a summary version of the 1983
SCF was created to serve as a basis for editing and imputation.  Most
of the variables described in the first three sections of this
codebook are summary variables created from the 1983 dataset.  Finally,
retrospective data collected in the 1989 panel questionnaire on
changes between 1983 and 1989 are generally not cleaned or imputed.
Our analysis indicates that these variables provide an unusably noisy
picture of change (see Kennickell and Starr-McCluer 1995).  This
weakness in the data is not surprising given the length of the period
over which respondents were asked to recall information.
     For cleaning and imputation, it is critical that we know what
items were reported by respondents and what items have missing values.
In the 1989 and later SCFs, shadow variables ("J-variables") are
available for all data values indicating whether the value in the
final dataset is one given by a respondent, whether it was imputed
using range information provided by a respondent, whether it was
originally missing altogether, and other situations.  Unfortunately,
such information is not available for the 1983 SCF.  Moreover, the raw
and the cleaned and imputed datasets are contained in different files
with different forms of organization.  Often changes were made in the
cleaned file based on additional information from the respondents or
from further editing of the paper questionnaires.  In addition, data
were rearranged in the cleaned file to make the reported data
correspond more closely to a desired analytical arrangement.  Very few
of these changes appear to heve been incorporated in the raw data.
     To complete the processing of the panel in a reasonable time,
it was necessary to develop some rules to describe the original status
of the 1989 data.  These rules embody some compromises.  A pair of
shadow variables was constructed for most 1983 summary variables--a
J-variable comparable to those for the 1989 and later surveys (see
below for the definitions of the legal codes), and for money
variables, a variable that indicates what part of the variable was
originally provided by the respondent ("K-variable").  If the raw data
item (or items) most directly underlying a variable in the cleaned
dataset contained a missing value code and it could not be determined
within a simple set of alternatives that the original data had been
moved to or from another location, the 1983 summary variable was
assigned a J-variable code indicating that the data were originally
missing.  If it could be determined that some part of the original
data had been given by the respondent, this amount was included in the
K-variables.  If the underlying data item was the same as a related
variable in the imputed dataset, the information was taken to have
been reported by the respondent, the J-variable was given a code to
indicate this fact and the K-variable was assigned the same value as
the variable in the imputed dataset.  In the event that an item in the
imputed dataset could not be linked to either a missing value or a
reported item in the raw dataset, it was assumed that the data derived
from editing or retrieval activities performed after the creation of
the raw dataset and the information was treated as if it had been
reported by the respondent.  There is some unknown degree of error in
this series of assumptions used to determine the original status of
the data.
     Missing values in the data were multiply-imputed (three times)
using a modified version of the software designed to impute the 1989
cross-section data, and additional software created specifically to
impute the 1983 summary data.  Two facts are particulatly important to
note.  First, the multiple imputations are stored as separate
replicates ("implicates") of each record.  Thus, the public dataset
contains 4,437 observations.  Because muiltiple imputation seeks to
proxy the *distribution* of the missing information, there is no
"correct" implicate to use.  Users are advised to use all three
implicates, but to beware (particularly in regressions) that the
degrees of freedom in their calculations will often be spuriously
inflated by standard computer packages unless users take appropriate
action (see Donald Rubin, *Multiple Imputation*, Wiley).  Second,
users should note that the imputed values in this dataset may differ
from those in the public versions of the 1983 and 1989 datasets.  The
1983 cases and the 1989 panel cases with cross-section representation
in 1989 were imputed using only cross-section information.  The
imputations in this panel dataset are conditioned on information from
both the 1983 and 1989 surveys.
     The imputations we provide are the result of an intensive effort
that frequently employs information that would not be available to
outside users.  However, because the imputations in the dataset are
flagged, users are free to perform their own imputations or to devise
other treatments for the missing data.  Users may also wish to treat
the limited 1983 imputations provided as a core for their own
imputations of additional 1983 variables.
	IT IS VERY IMPORTANT TO NOTE that statistics computed using
the panel file may differ from estimates made using either the full
1983 cross-section or the full 1989 cross-section.  These differences
may be attributable to sampling error and our limited ability to make
corrections for nonresponse.  It is also important to note the nature
of the population included in the panel.  Obviously, everyone must
have been a respondent in 1983.  Thus, immigrants since that time are
included only if they became a part of an existing sample family.
Another important group missing from the panel is most families with
heads under the age of 28 in 1989.  Those heads of households would
have been under the age of 22 in 1983. Because of the fraction of
people in their late teens and early 20s who are attending college, in
the military, or living with their family, it is very unlikely that
the sample of independent young people observed in 1983 is at all
representative of householders in 1989.  For this reason, the design
of the sample excludes households with heads under the age of 22 in
1983.  A small number of such households appear in the panel sample
because the sample design followed both halves of couples that
separated since 1983.
	To protect the confidentiality of information provided by
respondents, we have systematically altered the information in the
public use file according to rules developed jointly by the SCF staff
at the FRB, SOI, and SRC.  The general outline of the procedure is as
follows.  All dollar figures were rounded using the the SAS code
provided at the end of this introduction.  For some categorical
variables, cells were collapsed--in particular, three-digit
occupation codes have been reduced to one digit.  Many other
unspecified alterations of the data were made, and these changes
cannot be determined from any publicly-available information.  This
class of changes is specifically designed to generate very little
distortion of the statistical properties of the data overall while
substantially reducing the probability that the data for any given
case represents an identifiable individual in the population.
     Two analysis weights are available for the panel: WGT0195 and
WGT0296.  WGT0195 is based on the FRB full sample weight for the
1983 cross section data (B3016).  The weight is adjusted separately
for list and area cases using the adjustments computed by University
of Michigan's Survey Research Center (see Sample Design and Weighting
Documentation, Heeringa et. al.,1994).  For the list cases, a
nonresponse adjustment is computed by 1983 income half-quantiles
(i.e. the 12.5, 25.0, 37.5, 50.0, ... percentiles).  These adjustments
range from 1.14 to 1.330.  For the area probability cases, there are
subsampling adjustments for the subselection by age and PSU, as well
as a nonresponse adjustment.  The PSU selection factors range from 1
to 2, the age adjustment factor ranges from 1 to 4 and the nonresponse
adjustment ranges from 1.17 to 2.89.  In creating the merged sample
analysis weights, the weights resulting from this procedure were
trimmed at the 95th percentile in cross categories of 1983 net worth
vs 1989 net worth and the cell frequencies  were then adjusted to the
original weighted frequencies.  The weight total was adjusted to the
1983 total of households with the age of the household head > 22 which
is 81,425,929, as estimated using the 1983 SCF cross sectional data.
WGT0296 is a refined version of WGT0195 developed for the purpose of
estimating changes in wealth between 1983 and 1989.  For this purpose,
WGT0195 was subjected to a series of post-statification (age and
homeownership categories) and a three-stage raking (using net worth
categories for comparable age groups in the 1983 and 1989 SCF
cross-sections) designed to provide better estimates of saving.
We use this weight for all calculations of changes in wealth in the
panel sample.  A discussion of the WGT0296 weight is given in
Kennickell and Woodburn 1996.
     The main data values are stored using variable names
corresponding to the numbers given in the codebook below and having a
prefix of "X."  The corresponding K-variables (only for dollar values
in the 1983 recode variables) and J-variables described above are
addressed using the same numbers, but with a prefix of "K" or "J"
respectively.  Legal values for the J-variables for variables recoded
from 1983 data are:

0  = value reported on original tape (includes values reported in the
     questionnaire that were alered during editing).

1  = question is inapplicable (e.g., R has no checking account
     so value of checking account is coded as zero -- NOTE: zero is a
     legitimate value for X-variables only for this value of the
     associated J-variable).

46 = less that 30 percent of the original 1983 imputed value was
     imputed.

50 = original response was DK.
51 = original response was NA (includes refusals, interviewer errors,
     and missing data resulting from editing decisions).  Does not
     include data missing as a result of missing higer-order questions.
52 = original response missing as a result of missing information for
     a higher-order question (typically a YES/NO cut question).  In
     this case, the higher-order question has been imputed in such
     a way as to render response appropriate.

71 = more than 30 percent of the 1983 imputed value was imputed.

Legal J-variable values for 1989 variables are given in Section V
below.

     The user will notice that we do not provide the sort of summary
variables that were given in the codebook for the 1983 SCF.  It is our
strong belief that users should consider carefully the variables that
underlie summary concepts, such as "financial assets."  Guidance to
what we consider to be appropriate definitions for our purposes is
usually given in our published analysis (e.g., see Kennickell and
Starr-McCluer in the Federal Reserve Bulletin for October 1994).
     Data for the survey were collected by the Survey Research Center
at the University of Michigan.  Officers for the project at SRC were
Richard T. Curtin (1983 and 1986 SCF) and F. Thomas Juster (1989 SCF).
Others at SRC making particularly valuable contributions to the panel
survey include Stephen Heeringa, Dorothy Kempter, and Joan Schleffer.
Fritz Scheuren, former director of Statistics of Income at the
IRS provided unending intellectual and other support for the project,
and without his participation it is certain that we would not have
been as successful.  Louise Woodburn, Barry Johnson, Tom Petska and
Bill Wong at SOI have contributed in a major way to sampling and data
processing.
	Major funding for the 1989 reinterview survey was provided by
the Federal Reserve and the National Institute  on Aging.  Particular
thanks are due to Richard Suzman at NIA for his support and
encouragement.  Additional funding was provided by the Department of
Health and Human Services, the Comptroller of the Currency, the
Federal Deposit Insurance Corporation, the General Accounting Office,
and the Joint Committee on Taxation.  Thanks to the Board of Governors
and the official staff at the Federal Reserve, particularly James
Kichline, Michael Prell, Edward Ettin, Myron Kwast, and Barbara
Lowrey.  Research assistance for the SCF at the Federal Reserve has
been provided by Aliki Antonatas, Phoebe Roaf, Daniel Kelley, Kurt
Strovink, Alex Wright, Robert Denk, James Faulkner, and Todd King.
Other SCF staff at the Federal Reserve have included Robert Avery,
Gregory Elliehausen, Gerhard Fries, Arthur Kennickell, Douglas
McManus, Janice Shack-Marquez, and Martha Starr-McCluer.

     Although we have devoted considerable time to searching for
inconsistencies in the data, some of these problems seem to have no
obvious reconcilliation.  Thus, seeming conflicts may remain.
Other types of inconsistencies may have been induced during
imputation, in spite of the elaborate checks that are built into the
imputation routines.  We ask our colleagues who use this dataset to
help us find the remaining irritating inconsistencies.
     It is likely that some users will have trouble dealing with the
data at first.  If after having framed a focused question and
exhausted all of your local resources your problem persists, you may
call Gerhard Fries  at ((202) 452-2578 or e-mail m1gxf00@frb.gov)
or me ((202)-452-2247 or e-mail m1abk00@frb.gov)).  We prefer
correspondence via e-mail.  While we would like to be helpful to you,
please realize that we have very limited resources to devote to user
services.  We hope that by persistence, you will almost always be able
to figure out what you need by consulting the questionnaire (available
separately) and the codebook below.

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             SAS CODE for rounding of dollar amounts for
                       public use dataset

 ARRAY AMT  {*} X412-X414 X420 X421 X423 X424 X426 X427 X429 X430
                X505 X510 X512 X513 X518 X521 X525 X526 X602 X604
                X607 X612 X614 X617 X619 X623 X627 X631 X635 X703
                X708 X716 X717 X721 X804 X805 X808 X812 X813 X904
                X905 X908 X912 X913 X1004 X1005 X1008 X1012 X1013
                X1035 X1039 X1040 X1044 X1104 X1108 X1109 X1115
                X1119 X1120 X1126 X1130 X1131 X1136 X1202 X1206
                X1210 X1211 X1215 X1219 X1220 X1224 X1302 X1405
                X1408-X1410 X1415 X1417 X1505 X1508-X1510 X1515
                X1517 X1605 X1608-X1610 X1615 X1617 X1619 X1621
                X1706 X1709 X1714 X1715 X1718 X1722 X1723 X1730
                X1806 X1809 X1814 X1815 X1818 X1822 X1823 X1830
                X1906 X1909 X1914 X1915 X1918 X1922 X1923 X1930
                X2002 X2003 X2006 X2007 X2010 X2012 X2013 X2016
                X2017 X2020 X2105 X2112 X2117 X2209 X2213 X2214
                X2218 X2309 X2313 X2314 X2318 X2409 X2413 X2414
                X2418 X2422 X2424 X2425 X2506 X2510 X2514 X2515
                X2519 X2606 X2610 X2614 X2615 X2619 X2623 X2625
                X2626 X2714 X2718 X2719 X2723 X2731 X2735 X2736
                X2740 X2814 X2818 X2819 X2823 X2831 X2835 X2836 
                X2840 X2914 X2918 X2919 X2923 X2931 X2935 X2936
                X2940 X3121 X3124 X3126 X3129-X3133 X3221 X3224
                X3226 X3229-X3233 X3321 X3324 X3326 X3329-X3333
                X3335-X3337 X3408-X3410 X3412-X3414 X3416-X3418
                X3420-X3422 X3424-X3426 X3428-X3430 X3506 X3510
                X3514 X3518 X3522 X3526 X3529 X3610 X3620 X3630
                X3706 X3711 X3716 X3718 X3721 X3804 X3807 X3810
                X3813 X3816 X3818 X3822 X3824 X3826 X3828 X3830
                X3833 X3835 X3902 X3906 X3908 X3910 X3912 X3915
                X3918 X3920 X3922 X3930 X3932 X3939 X3942 X4003
                X4005 X4006 X4010 X4011 X4014 X4018 X4022 X4026
                X4030 X4032 X4112 X4131 X4204 X4207 X4210 X4214
                X4220 X4224 X4226 X4229 X4304 X4307 X4310 X4314
                X4320 X4324 X4326 X4329 X4404 X4407 X4410 X4414
                X4420 X4424 X4426 X4429 X4436 X4509 X4520 X4532
                X4540 X4605 X4613 X5306 X5311 X5318 X5326 X5334
                X5418 X5426 X5434 X5504 X5507 X5510 X5513 X5516
                X5604 X5608 X5612 X5616 X5620 X5624 X5628 X5632
                X5636 X5640 X5644 X5648 X5702 X5704 X5706 X5708
                X5710 X5712 X5714 X5716 X5718 X5720 X5722 X5724
                X5726 X5729 X5732 X5734 X5751 X5804 X5809 X5814
                X5818 X5821 X5823 X5926 X5928 X6403 X6415 X6418
                X6421 X6432 X6436 X6437 X6439 X4712 X4731 X4804
                X4807 X4810 X4814 X4820 X4824 X4826 X4829 X4904
                X4907 X4910 X4914 X4920 X4924 X4926 X4929 X5004
                X5007 X5010 X5014 X5020 X5024 X5026 X5029 X5036
                X5109 X5120 X5132 X5140 X5205 X5213 X8163 X8164
                X8166 X8167 X8168

                X50002 X50004 X50006 X50008 X50010
                X50012 X50014 X50016 X50018 X50020
                X50022 X50024 X50026 X50028 X50030
                X50032 X50034 X50036 X50053 X50055
                X50061 X50064 X50067 X50069 X50072
                X50073 X50075 X50076 X50078 X50079
                X50080 X50082 X50083 X50084 X50086
                X50087 X50089 X50091 X50092 X50094 
                X50095 X50097 X50100 X50228 X50231
                X50232 X50248 X50251 X50252 X50261 
                X50263 X50265 X50267 X50269 X50271
                X50273 X50275 X50277 X50279 X50281
                X50283 X50286

                K50002 K50004 K50006 K50008 K50010
                K50012 K50014 K50016 K50018 K50020
                K50022 K50024 K50026 K50028 K50030
                K50032 K50034 K50036 K50053 K50055
                K50061 K50064 K50067 K50069 K50072
                K50073 K50075 K50076 K50078 K50079
                K50080 K50082 K50083 K50084 K50086
                K50087 K50089 K50091 K50092 K50094 
                K50095 K50097 K50100 K50228 K50231
                K50232 K50248 K50251 K50252 K50261 
                K50263 K50265 K50267 K50269 K50271
                K50273 K50275 K50277 K50279 K50281
                K50283 K50286

                X24103 X24703 X25852 X25854 X25859 X25861 X26005
                X26008 X26012 X26015 X26017 X26023 X26025 X26027
                X26029 X26032 X26034 X26036 X26041 X26045 X26046
                X26048 X26105 X26134 X26108 X26137 X26111 X26140
                X26114 X26143 X26117 X26146 X26120 X26149 X26123
                X26152 X26126 X26155 X26202 X26203 X26206 X26207
                X26216 X26218 X26220 X26222 X26224 X26228 X26232
                X26317 X26334 X26404 X26432 X26318 X26335 X26405
                X26433 X26323 X26342 X26424 X26457 X26325 X26344
                X26426 X26459 X26327 X26346 X26418 X26446 X26328
                X26347 X26419 X26447 X26412 X26414;

 DO I = 1 TO DIM(AMT);
    IF (0 < AMT{I} < 5) THEN AMT{I}=1;
    IF (5 <= (AMT{I}) < 1000) THEN DO;
            AMT{I}=MAX(1,ROUND(AMT{I},10));
    END;
    IF (1000 <= AMT{I} < 10000) THEN DO;
            AMT{I}=ROUND(AMT{I},100);
    END;
    IF (10000 <= AMT{I} < 100000) THEN DO;
            AMT{I}=ROUND(AMT{I},1000);
    END;
    IF (100000 <= AMT{I} < 1000000) THEN DO;
            AMT{I}=ROUND(AMT{I},10000);
    END;
    IF (1000000 <= AMT{I}) THEN DO;
            AMT{I}=ROUND(AMT{I},100000);
    END;
    IF AMT{I} > 25000000 THEN AMT{I}=25000000;

    IF (-1000 < (AMT{I}) <= - 5) THEN DO;
            AMT{I}=ROUND(AMT{I},10);
    END;
    IF (-10000 < AMT{I} <= -1000) THEN DO;
            AMT{I}=ROUND(AMT{I},100);
    END;
    IF (-100000 < AMT{I} <= -10000) THEN DO;
            AMT{I}=ROUND(AMT{I},1000);
    END;
    IF (-1000000 < AMT{I} <= -100000) THEN DO;
            AMT{I}=ROUND(AMT{I},10000);
    END;
    IF .Z < AMT{I} <= -1000000 THEN
            AMT{I}=-1000000;
 END;

*****************************************************************************
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TABLE OF CONTENTS
-----------------
I.    1989 control file variables relevant only to the panel

II.   Additional 1989 household listing variables for panel

III.  1989 variables collected only for the panel (including Section V)

      Employment 
      Work History
      1986-87 Income
      Marital Status
      Demographics

IV.   1983 recodes variables

      Attitudes Toward Credit/Credit Cards
      Housing 
      Land Contracts
      Other Properties
      Additions and Repairs
      Vehicles
      HH Durables and Other Debt
      Other Loans
      Savings Attitudes
      Business Assets
      Financial Assets
      Employment 
      Income

V.    1989 variables

VI.   Editing instructions

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

I.  1989 CONTROL FILE VARIABLES RELEVANT ONLY TO THE PANEL
----------------------------------------------------------
8000               R:  Respondent and spouse variables reversed to
                       male and spouse/partner in all subsequent
                       occurences in dataset (data rearranged except
                       when male not living at sampled address).  Also,
                       all response categories altered to reflect this
                       change.

                       1. REVERSED
                       5. NOT REVERSED

40001  1989 ID number
40002  Respondent type
            1 Original Panel Member                                 
            2 '86 Splitoff                                          
            3 '89 Splitoff                                          
            0 Cross-Section Only                                    
40003  '83 PSU number                
40004  '83 SEGMENT number            
40005  '83 LINE number
40006  Field Area Code                                            
40007  COVERSHEET COLOR
            1 Green (define.....                                             
            2 Yellow (                                       
            3 Pink (
            4 White (
40008  STRATA                  
            01 1983 Area Sample R Age 22-44                         
            02 1983 Area Sample R Age 45+                           
            03 1983 Area Sample R Less than 22 years - Not Panel    
            04 1983 Area Sample R - Not Panel due to Item MData     
            05 1983 Area Sample Refusal                             
            06 1983 Area Sample NonInterview                        
            07 1983 Area Sample NonSample                           
            08 1983 High Income Sample Age 22-44                    
            09 1983 High Income Sample Age 45+                      
            11 1986 Splitoff                                        
            00 1989 Cross-Section only                              
40009  SEGMENT SUBSAMPLE       
            0 Area Sample: Not in Segment Subsample                 
            1 Area Sample: Included in Segment Subsample            
            9 High Income Sample                                    
40010  SAMPLE TYPE             
            1 List Sample (Panel Only)                       
            2 Area Sample (Potential Panel/Cross-Section)           
            3 Area Sample (Cross-Section Only)                      
40011  '86 MOVE CODE           
            1 Yes, moved                                            
            5 No, didn't move                                       
            0 Not interviewed in '86                                
40012  TRACKING CODE           
            1 Track Respondent only                                 
            2 Track Respondent and '83 Spouse                       
            3 Do not track                                          
            4 Cross-Section Only                                    
            5 See Tracking Memo (Special instructions for selected
              splitoff pairs) different housing units
40013  '83 CASE ID
40014  '83 RESULT CODE
40015  '86 CASE ID
40016  '86 RESULT CODE
40017  '86 MARITAL STATUS      
            1 Married in '83; no spouse in '86                      
            2 Not married in '83; married in '86                    
            3 Married in both '83 and '86 - same spouse             
            4 Married in both '83 and '86 - different spouse        
            5 Not married in either '83 or '86                      
            6 Married in '83; not interviewed in '86                
            7 Not married in '83; not interviewed in '86            
            9 NA                                                    
            0 Cross-Section Only                                    
40018  SPLIT-OFF INDICATOR     
            0 Only R in sample                                      
            1 R and '83 spouse in sample independently              
40019  INITIAL INTERVIEW MODE INDICATOR  
            1 Face-to-face                                          
            2 Telephone                                             
            0 Cross-Section Only                                    
40021  INITIAL INTERVIEWER
40022  IINTERVIEWER OF RECORD          
40023  REFUSAL CONVERSION INDICATOR            
40024  OTHER INTERVIEWER (involved in RC situation)
40025  VERIFICATION INDICATOR  
40026  PROBLEM CODE            
40027  INTERVIEWER TO WHOM PROBLEM SENT  
40028  DATE PROBLEM SENT       
40029  PROBLEM RESOLUTION INDICATOR
40030  DATE RESOLUTION RETURNED
40031  '89 CASE#               
            2001 Cross-section only Interview series start          
            3001 Panel/Cross-section Interview series start         
            4001 Panel only Interview series start                  
            5001 Cross-section only NonInterview series start       
            6001 Panel/Cross-section NonInterview series start      
            7001 Panel only NonInterview series start               
            8001 Cross-section only NonSample series start          
            9001 Panel/Cross-section NonSample series start         
            9501 Panel only NonSample series start                  
40032  SAMPLE GROUP            
        Sample Group                                               
            1 Cross-section only (at '83 sample address but not     
              '83 R or spouse)                                           
            2 Panel/Cross-section ('83 R or spouse still at '83     
              sample address)                                            
            3 Panel Only ('83 R or spouse not at '83 sample         
              address)                                                   
40033  RECEIPT DATE            
40034  RECEIPT MONTH           
            99 NA                                                   
40035  RECEIPT DAY             
            99 NA
40036  INTERVIEWER INTERVIEW NUMBER
            999 NA                                                  
            000 INAP., not an interview                             
40037  INTERVIEW LENGTH (in minutes)
            999 NA                                                  
            000 INAP., not an interview                             
40038  EDIT LENGTH (in minutes)
            999 NA                                                  
            000 INAP., not an interview                             
40039  PERSUASION LETTER REQUIRED?
            1 Yes                                                   
            5  No                                                    
            9NA                                                    
40040  TOTAL CALLS (call # of final call)                      
            99 NA                                                   
40041  DATE OF FINAL RESULT
40042  MONTH OF FINAL RESULT      
            99 NA                                                   
40043  DAY OF FINAL RESULT
            99 NA                                                   
40044  '89 FINAL RESULT CODE
40045  INTERVIEW MODE          
            1 Face-to-face                                          
            2 Telephone                                             
            9 NA                                                    
            0 INAP., not an interview                               
40046  DOES R LIVE AT HU?
            1 Yes                                                   
            5 No                                                    
            9 NA                                                    
            0 INAP., white (cross only)/pink (split-off) coversheet
40047  DOES R'S SPOUSE LIVE AT HU?       
            1 Yes                                                   
            5 No                                                    
            9 NA                                                    
            0 INAP., white (cross only)/pink (split-off) coversheet; R
              not married in '83
40048  CURRENTLY LIVING AT '83 SAMPLE ADDRESS?
            1 Yes, R living at '83 sample address                   
            2 Yes, '83 spouse only living at '83 sample address     
            3 Yes, current resident living at '83 sample address    
              (not R or '83 spouse)                                      
            5 No, HU not '83 sample address                         
            9 NA                                                    
            0 INAP., white (cross only)/pink (split-off) coversheet
40049  NUMBER OF ADDITIONAL HU'S AT '83 SAMPLE ADDRESS
            9 NA                                                    
            0 INAP., not a cross-section only coversheet            
40050  HAS '83 SPOUSE SPLITOFF SINCE LAST INTERVIEW?
            1 Yes                                                   
            5 No                                                    
            9 NA                                                    
            0 INAP., cross-section only; not married in '83;        
              splitoff prior to '86 iw.                                  
40051  ADDITIONAL HU GENERATION SOURCE
            1 Green Panel/Cross-section coversheet (mover from      
              '83 sample address - determined by iwer).                  
            2 An HU structure added to Listing Sheet and            
              selected for this study.                                   
            3 An added HU found at a listed and selected line.      
            4 Green Panel/Cross-section coversheet (mover from      
              '83 sample address - determined prior to field period;     
              panel R put on yellow coversheet and cross-section         
              coversheet labeled.                                        
            0 INAP., not an additional cross-section coversheet     
40070  LOG DATE                
40071  TRANSFERS               
40072  TRANSFER IWER           
40073  TRANSFER RESULT         
40074  TRANSFER REPORT         
40075  TRANSFER DATE           
40076  TRANSFER LOG DATE       
 
40089 CASETYPE
            X40084 if X40084 > 0   (89 SOI)
            20 if X40010 = 1   (83 SOI)
            30 if XX1 > 3000 and X40010 ne 1   (PANEL AREA PROB)
            40 otherwise  (89    AREA PROB)

WGT0195   This variable is the nonresponse-adjusted weight for the
          1983-89 panel.  (see description in introduction.)

WGT0296   This variable is the WGT0195 after adjustment by a 2-stage
          post-stratification (age and homeownership categories) and a
          three-level raking (using net worth categories for
          comparable age groups in the 1983 and 1989 SCF
          cross-sections).  (see description in introduction.)
          We have used this weight for all our tabulations of changes
          in the panel.

II.  ADDITIONAL 1989 HOUSEHOLD LISTING VARIABLES FOR PANEL
     VARIABLES IN THIS SECTION ARE NOT IMPUTED OR COMPLETELY CLEANED!

27201       HHL1.  Would you please tell me your current marital status--are
                   you married, living with a partner, separated, divorced,
                   widowed, or have you never been married?                   
            
                   1.  MARRIED
                   2.  PARTNER
                   3.  SEPARATED
                   4.  DIVORCED
                   5.  WIDOWED
                   6.  NEVER MARRIED

27202       HHL2.  Are you (married to/living with) the same person that you
                   were when we interviewed you on (DATE OF '83 INTERVIEW),
                   (married to/living with) a different person, or were you
                   not (married to/living with) anyone at that time?          

                   1.  SAME
                   2.  DIFFERENT
                   3.  NOT MARRIED
                   0.  Inap.

27203       HHL3.  Were you married when we interviewed you on (DATE OF '83
                   INTERVIEW)?                                                

                   1.  YES
                   5.  NO
                   0.  Inap.

27204       HHL8h.Total number of family members who moved out since last IW

                   Code actual NUMBER

27205       HHL13h. Total number of family members who moved in since last IW 

                   Code actual NUMBER

27206       HHLx.  History of 1989 R                                          

                   Code 1st number precoded at bottom of HHL sheet

                   01.   Respondent in '83, '86 and '89
                   02.   Respondent in '83, '89; no interview in '86
                   03.   Spouse in '83; split-off R in '86; R in '89
                   04.   Spouse in '83; no interview in '86; split-off R in
                         '89
                   05.   Spouse in '83, '86; split-off R in '89

                   R/S Reversals - Deaths/Institutionalization of R
                   (For Supervisor's Use Only)

                ** 10.   Spouse in '83; no interview in '86; R in '89
                ** 11. * Spouse in '83, '86; R in '89
                ** 12. * Spouse in '83; R in '86, '89
                   13.   R in '83; Spouse in '86; R in '89

                ** 20. * Not in HH in '83; Spouse in '86; R in '89

                   99.   NA

            ** '89 R/S data needs switching;  Done in editing
             * '86 R/S data needs switching

27207       HHLy.  History of 1989 Spouse   

                   Code 2nd number precoded at bottom of HHL sheet

                   00.   No spouse in '83, '86, '89
                   01.   Same spouse in '83, '86, '89
                   02.   Spouse present in '83; no interview in '86; same
                         spouse in '89
                   03.   Spouse present in '83; no interview in '86; new
                         spouse in '89
                   04.   Spouse present in '83; new spouse in '86, '89
                   05.   Spouse present in '83; new spouse #1 in '86; new
                         spouse #2 in '89
                   06.   No spouse in '83; new spouse in '86, '89
                   07.   No spouse in '83; new spouse #1 in '86; new spouse
                         #2 in '89
                   08.   No spouse in '83, '86; new spouse in '89
                   09.   No spouse in '83; no interview in '86; new spouse in
                         '89
                   10.   Spouse present in '83, '86; no spouse in '89
                   11.   Spouse present in '83; no interview in '86; no
                         spouse in '89
                   12.   No spouse in '83; no interview in '86; no spouse in
                         '89
                   13.   Spouse present in '83; no spouse in '86, '89
                   14.   No spouse in '83; new spouse in '86; no spouse in
                         '89
                   15.   Spouse present in '83; no spouse in '86; new spouse
                         in '89
                   16.   Spouse present in '83, '86; new spouse in '89
                   17.   Spouse present in '83; new spouse in '86; no spouse
                         in '89
                   19.   Other situation not described in 01-16

                   Split-off R in 1986
                   50.   No spouse in '86, '89
                   51.   Same spouse in '86, '89
                   52.   Spouse present in '86; new spouse in '89
                   53.   No spouse in '86; new spouse in '89
                   54.   Spouse present in '86; no spouse in '89

                   Split-off R in 1989
                   60.   No interview in '86; no spouse in '89
                   61.   No interview in '86; split-off spouse in '89
                   62.   No spouse in '89
                   63.   Split-off spouse in '89

                   R/S Reversals
                   70.   '83 spouse is '89 R while '89 spouse is '83 R; no
                         interview in '86
                   71.   '83, '86 spouse is '89 R while '89 spouse is '83 R
                   72.   '83 spouse is '89 R because '83 R died; no spouse in
                         '86, '89
                   73.   Same spouse in '83, '89 but '83 R was '86 spouse
                   74.   '83 spouse is '89 R because '83 R died; no interview
                         in '86; no spouse in '89
                   75.   '83 spouse was also spouse in '86; then '83 R
                         died/institutionalized and '83 spouse correctly
                         became '89 R; no spouse or absent spouse in '89
                   76.   '83 spouse taken as R in '86; then '83 R died and
                         '83 spouse remained '89 R; no spouse in '89
                   77.   No spouse in '83; new spouse in '86; '86 spouse
                         taken as '89 R
                   78.   '83 spouse is '86 R and '89 R, while '83 R is '86
                         and '89 spouse

                   79.   Other situation not described in 50-75
                   99.   NA

27208       HHLz.  Extent of problems in HHL data           

                   Code 3rd number precoded at bottom of HHL sheet

                   00.   No problems noted; all listings are accurate and
                         consistent.  No corrections to the data.
                   01.   Corrections to '83 ages only
                   02.   Corrections to '86 ages only
                   03.   Corrections to both '83 and '86 ages
                   04.   Birthdate(s) changed in '89 HHL to be consistent
                         with age
                   05.   Birthdate(s) changed on '83 data listing to be
                         consistent with age
                   06.   Sex of child(ren)/grandchild(ren) changed on '83
                         data listing
                   07.   Sex of child(ren)/grandchild(ren) changed on '86
                         data listing
                   08.   Sex changes to R/S in '83 listing (see Supervisor
                         before using)
                   09.   Sex changes to R/S in '86 listing (see Supervisor
                         before using)

                   10.   Corrections to '89 "Movers in"
                   11.   Corrections to '89 "Movers out"
                   12.   Corrections to both "Movers in" and "Movers out"

                   20.   People missing on '89 pre-printed listing; were
                         there but not coded in '83; added to '83 and '89
                         listing
                   21.   People missing on '89 pre-printed listing; were
                         there but not coded in '86; added to '86 and '89
                         listing
                   22.   People removed from '86 and '89 listing (R did not
                         live with them)
                   23.   People removed from '83 listing

                   30.   Corrections to relationship codes (other than R/S)
                         in '83 list
                   31.   Corrections to relationship codes (other than R/S)
                         in '86 list
                   32.   Corrections to relationship codes (other than R/S)
                         in both '83 and '86 list

                   40.   R/S reversed on '83 listing
                   41.   R/S reversed on '86 listing
                   42.   R/S reversed on both '83 and '86 listing

                   50.   "Spouse" changed to "partner" (or vice versa) in '83
                   51.   "Spouse" changed to "partner" (or vice versa) in '86

                   90.   Both age and sex changes made to '83 data listing
                   91.   Both age and sex changes made to '86 data listing

                   96.   No listing sheet found--made up by edit supervisor
                   97.   Other

                   99.   NA

27209          SUMMARY:  # persons in Household Listing (includes movers out)  

                   Code total # of persons in HHL

              HHL4.  When we last spoke with you in 1983 we listed the people
                     living in your household.  We'd like to update that  
                     listing.
              HHL-B. Relationship to Respondent
27210(#1)
27220(#2)          01.   RESPONDENT                                    
27230(#3)          02.   Spouse of Respondent (same as last interview) 
27240(#4)          03.   "Partner" of Respondent                        
27250(#5)                (same as last interview)
27300(#6)          04.   Child (incl. in-laws, step and adopted children,
27310(#7)                and child's spouse.)                          
27320(#8)          13.   Child of Partner                              
27330(#9)          05.   Grandchild                                    
27340(#10)         06.   Parent (incl. in-laws)
27350(#11)         07.   Grandparent (incl. in-laws)
	           08.   Aunt/uncle                                    
	           09.   Cousin                                        
	           10.   Niece/nephew
	           11.   Sister/brother (incl. in-laws)                
                   12.   Great grandchild                              
                   21.   Ex-spouse, estranged spouse                   
                   22.   Deceased spouse                               
                   23.   New spouse since last interview               
                   24.   New partner since last interview              
                   25.   Ex-partner                                    
                   26.   Deceased partner                              
                   29.   Other relative                                
                   31.   Roommate                                      
                   32.   "Friend" (exc. 03)                            
                   33.   Relative of Partner (except Child, code 13)   
                   34.   Boarder or roomer/lodger                      
                   35.   Paid help (maid, etc.)                        
                   36.   Foster child                                  
                   39.   Other unrelated person                        
                   00.   Inap.                                         

            HHL10.What is the sex, age and relationship to you of each of
                  the new household members?

27211(#1)
27221(#2)          1.  Male
27231(#3)          2.  Female
27241(#4)          0.  Inap, no further persons
27251(#5)
27301(#6)
27311(#7)
27321(#8)
27331(#9)
27341(#10)
27351(#11)

       

27212(#1)   HHL-D. AGE                                                        
27222(#2)
27232(#3)          Code AGE (01-95)
27242(#4)  
27252(#5)          01.  One year or less
27302(#6)          95.  95 years or older
27312(#7)          00.  Inap, no further persons, person known to be
27322(#8)               deceased.
27332(#9)  
27342(#10)
27352(#11)
                   For the public use dataset, the year is rounded to the
                   nearest 5 for all non-respondents.

        

27213(#1)   HHL-E. MARITAL STATUS                                             
27223(#2)
27233(#3)          Code number precoded in Col. E.
27243(#4)
27253(#5)          1.  (M) Married                      
27303(#6)          2.  (P) Living with a partner      If Person is 17 or    
27313(#7)          3.  (S) Separated                  less, assume marital  
27323(#8)          4.  (D) Divorced                   status=6, do not code 
27333(#9)          5.  (W) Widowed                    NA for persons 0-17.  
27343(#10)         6.  (NM) Never married                                   
27353(#11)         7.  Married but spouse in institution (nursing home/jail)
                       or outside U.S. (not available to be sampled
                       elsewhere)
                   8.  Married but spouse not current resident of HU or in
                       institution (samplable at another residence)
                   9.  NA
                   0.  Inap. (No further persons, person known to be
                       deceased; person under 18)
                  NOTE: in some cases, interviewers asked this
                  question of people who were aged less than 18.
                  These cases were reviewed, and all responses were
                  set to zero except for a few cases where the person
                  might plausibly be married.  However, it is
                  important to note that because this question was not
                  asked of everyone under 18, this set of married
                  people under 18 is not indicative of the true number
                  of such individuals.

                   For the public use dataset, responses (7), and (8) are
                   combined in 1.

            HHL5.In what month and year was (PERSON) born?
            HHL11. In what month and year was (PERSON) born?

27214(#1)   HHL-F. MONTH OF BIRTH                                             
27224(#2)
27234(#3)          Code actual MONTH (01-12)
27244(#4)
27254(#5)          98.  DK
27304(#6)          99.  NA
27314(#7)          00.  Inap, no further persons, person known to be deceased
27324(#8)
27334(#9)
27344(#10)
27354(#11)

27215(#1)    HHL-F. YEAR OF BIRTH                                              
27225(#2)
27235(#3)           Code actual YEAR (1890-1990)
27245(#4)
27255(#5)          9998.  DK
27305(#6)          9999.  NA
27315(#7)          0000.  Inap, no further persons, person known to be        
27325(#8)                 deceased
27335(#9)
27345(#10)
27355(#11)
                   For the public use dataset, the year is bottom-coded
                   at 1900, and rounded to the nearest 5.

            HHL6.  Is (PERSON) living in your household now?

27216(#1)
27226(#2)
27236(#3)          Codes 2-4 edited in green
27246(#4)     
27256(#5)          1.  YES (incl. R and Spouse/Partner)
27306(#6)          2.  Child (17 and under) living in HU for part of each
27316(#7)              year
27326(#8)          3.  Child (18 and over) away at college part of year
27336(#9)          4.  Other adult living in this HU for part of each year     
27346(#10)         5.  NO
27356(#11)         6.  Mover In--Lives here full time or NFS
                   7.  Mover In--Lives here part time
                   8.  Been there all along but no in LB (not a mover-in)
                   9.  NA
                   0.  Inap, no further persons

            HHL7.When did (PERSON) (move out/die)?
            HHL12. When did (PERSON) move in with you?

27217(#1)   HHL-H. MONTH MOVED OUT OR IN                                      
27227(#2)
27237(#3)          Code actual MONTH (01-12)
27247(#4)
27257(#5)          98.  DK
27307(#6)          99.  NA
27317(#7)          00.  Inap, has not moved in/out; no further persons
27327(#8)
27337(#9)
27347(#10)
27357(#11)

27218(#1)   HHL-H. YEAR MOVED OUT OR IN                                       
27228(#2)
27238(#3)          Code actual YEAR (1983-1990)
27248(#4)
27258(#5)          9998.  DK
27308(#6)          9999.  NA
27318(#7)          0000.  Inap, has not moved in/out; no further persons
27328(#8)
27338(#9)
27348(#10)
27358(#11)

            HHL8.  (ASK ABOUT ALL [related] ADULTS 22 YEARS AND OLDER EXCEPT
                   RESPONDENT AND SPOUSE)  Is (PERSON) financially
                   independent?
            HHL13. (ASK FOR EACH NEW HOUSEHOLD ADULT 22 YEARS AND OLDER.)  Is
                   (PERSON) financially independent?

27219(#1)   HHL-K.                                                            
27229(#2)
27239(#3)          1.  FINANCIALLY DEPENDENT; R (Unit #1)     
27249(#4)          2.  INDEPENDENT FINANCES--Unit #2
27259(#5)          3.        "         "   --Unit #3
27309(#6)          4.        "         "   --Unit #4
27319(#7)          5.        "         "   --Unit #5
27329(#8)          9.  NA
27339(#10)         0.  Inap. (No further persons; person    green
27349(#11)             under 22)
27359(#12)        NOTE: in some cases, interviewers asked this
                  question of people who were aged less than 22.
                  However, it is important to note that because this
                  question was not asked of everyone under 22, this
                  distinction does not necessarily reflect the true
                  distribution of the population.

III.  1989 VARIABLES COLLECTED ONLY FOR THE PANEL
-------------------------------------------------
VARIABLES IN THIS SECTION ARE NOT IMPUTED UNLESS OTHERWISE INDICATED
VIRTUALLY NO CLEANING ASIDE FROM CHECKING THE SIMPLEST QUESTIONNAIRE
LOGIC HAS BEEN PERFORMED ON VARIABLES IN THIS SECTION

24103       R1e.   About how much were you earning when you (retired/became
                   disabled)?  (Is that per hour, per week, month, year, or
                   what?)--$                                                  
24703       S1e.   About how much was (he/she) earning when (he/she)
                   (retired/became disabled)?  (Is that per hour, per week,
                   month, year, or what?)--$                                  
                                                              
                   Code actual amount
                   (Convert $ per hr. to weekly amount using 40hrs/wk for  
                   men and 35hrs/wk for women and code 8 at X4104.)
                                                            
                   -1.  Zero; take no pay out of business
                    0.  Inap.

24104       R1e.   PER                                      
24704       S1e.   PER                                      

                   1.  Day
                   2.  Week
                   3.  Biweekly
                   4.  Month
                   5.  Quarter
                   6.  Year
                  -7.  Other
                   8.  Wages per hour edited to $ per week
                   0.  Inap.

WORK HISTORY FOR THOSE CURRENTLY WORKING FULL-TIME

24515       R45.   Now I have a few questions about your past jobs.  Were you
                   working for pay in January 1983?                           
25115       S45.   Now I have a few questions about (his/her) past jobs. 
                   Was (he/she) working for pay in January 1983?              

                   1.  YES
                   5.  NO
                   0.  Inap.

24516       R45a.  Was that January 1983 job with your present employer,
                   another employer, were you self-employed, or what?  (IF
                   SELF-EMPLOYED BOTH IN 1983 AND NOW, CHECK "PRESENT
                   EMPLOYER")                                                 
25116       S45a.  Was that January 1983 job with (his/her) present employer,
                   another employer, was (he/she) self-employed, or what? 
                   (IF SELF-EMPLOYED BOTH IN 1983 AND NOW, CHECK "PRESENT
                   EMPLOYER")                                                 

                    1.  PRESENT EMPLOYER
                    2.  DIFFERENT EMPLOYER
                    3.  SELF-EMPLOYED IN 1983, NOT NOW
                    4.  SELF-EMPLOYED NOW, NOT IN 1983
                   -7.  OTHER
                    0.  Inap.

24517       R45b.  What was the reason you left (that job/self-employment)? 
                   Did you retire, become disabled, quit, were you laid off,
                   did the business close, or what?                           
25117       S45b.  What was the reason (he/she) left (that job/self-
                   employment)?  Did (he/she) retire, become disabled, quit,
                   was (he/she) laid off, did the business close, or what?    

                    1.  RETIRED
                    2.  DISABLED
                    3.  QUIT
                    4.  LAID OFF
                    5.  BUSINESS CLOSED
                    6.  FIRED
                   -7.  OTHER
                    0.  Inap.
                    For the public use dataset, LAID OFF (4) and BUSINESS
                    CLOSED (5) are combined in 5, and FIRED (6) and
                    OTHER (-7) are combined in -7.

24518       R45c.  Were you included in a pension or retirement plan on that
                   job?                                                       
25118       S45c.  Was (he/she) included in a pension or retirement plan on
                   that job?                                                  

                   1.  YES
                   5.  NO
                   0.  Inap.

            R45d.  Did you get a cash settlement from that pension plan, do
                   you expect to get retirement benefits from that plan in
                   the future, are you getting retirement benefits from that
                   plan now, or what?  (CHECK ALL THAT APPLY)
            S45d.  Did (he/she) get a cash settlement from that pension plan,
                   does (he/she) expect to get retirement benefits from that
                   plan in the future, is (he/she) getting retirement
                   benefits from that plan now, or what?  (CHECK ALL THAT
                   APPLY)
24519       R45d.  A.  CASH SETTLEMENT                                        
25119       S45d.  A.  CASH SETTLEMENT                                        
24520       R45d.  B.  EXPECT FUTURE BENEFITS                                 
25120       S45d.  B.  EXPECT FUTURE BENEFITS                                 
24521       R45d.  C.  GETTING BENEFITS NOW                                   
25121       S45d.  C.  GETTING BENEFITS NOW                                   
24522       R45d.  D.  NO BENEFITS                                            
25122       S45d.  D.  NO BENEFITS                                            
24523       R45d.  E.  OTHER                                                  
25123       S45d.  E.  OTHER                                                  

                   1.  Checked                                
                   5.  Not checked
                   0.  Inap.

24524       R45e.  During the past 36 months, that is the last three years,
                   how many months have you worked full-time?                 
25124       S45e.  During the past 36 months, that is the last three years,
                   how many months has (he/she) worked full-time?             

                   Code # MONTHS

                   -1.  Zero; none
                    0.  Inap.

24525       R45f.  How many different employers have you had on full-time
                   jobs over the past 36 months?                              
25125       S45f.  How many different employers has (he/she) had on full-time
                   jobs over the past 36 months?                              

                   Code # OF EMPLOYERS

                   -1.  NONE
                    0.  Inap.
                    For the public use dataset, the number of such employers
                    is top-coded at 20.

24526       R45g.  Have there been any months over this period when you only
                   worked part-time?                                          
25126       S45g.  Have there been any months over this period when (he/she)
                   only worked part-time?                                     

                   1.  YES
                   5.  NO
                   0.  Inap.

24527       R45h.  How many of the past 36 months have you only worked 
                   part-time?                                                 
25127       S45h.  How many of the past 36 months has (he/she) only worked 
                   part-time?                                                 

                   Code # MONTHS
                   0.  Inap.

WORK HISTORY FOR THOSE CURRENTLY WORKING PART-TIME

24531       R46.   Now I have a few questions about your past jobs.  Were you
                   working for pay in January 1983?                           
25131       S46.   Now I have a few questions about (his/her) past jobs.  Was
                   (he/she) working for pay in January 1983?                  

                   1.  YES
                   5.  NO
                   0.  Inap.

24532       R46a.  Was that January 1983 job with your present employer,
                   another employer, were you self-employed, or what?  (IF
                   SELF-EMPLOYED BOTH IN 1983 AND NOW, CHECK "PRESENT
                   EMPLOYER")                                                 
25132       S46a.  Was that January 1983 job with (his/her) present employer,
                   another employer, was (he/she) self-employed, or what? 
                   (IF SELF-EMPLOYED BOTH IN 1983 AND NOW, CHECK "PRESENT
                   EMPLOYER")                                                 
  
                    1.  PRESENT EMPLOYER
                    2.  DIFFERENT EMPLOYER
                    3.  SELF-EMPLOYED IN 1983, NOT NOW
                    4.  SELF-EMPLOYED NOW, NOT IN 1983
                   -7.  OTHER
                    0.  Inap.

24533       R46b.  What was the reason you left (that job/self-employment)? 
                   Did you retire, become disabled, quit, were you laid off,
                   did the business close, or what?                           
25133       S46b.  What was the reason (he/she) left (that job/self-
                   employment)?  Did (he/she) retire, become disabled, quit,
                   was (he/she) laid off, did the business close, or what?    

                    1.  RETIRED
                    2.  DISABLED
                    3.  QUIT
                    4.  LAID OFF
                    5.  BUSINESS CLOSED
                    6.  FIRED
                   -7.  OTHER
                    0.  Inap.
                    For the public use dataset, LAID OFF (4) and BUSINESS
                    CLOSED (5) are combined in 5, and FIRED (6) and
                    OTHER (-7) are combined in -7.

24534       R46c.  Were you included in a pension or retirement plan on that
                   job?                                                       
25134       S46c.  Was (he/she) included in a pension or retirement plan on
                   that job?                                                  

                   1.  YES
                   5.  NO
                   0.  Inap.

            R46d.  Did you get a cash settlement from that pension plan, do
                   you expect to get retirement benefits from that plan in
                   the future, are you getting retirement benefits from that
                   plan now, or what?  (CHECK ALL THAT APPLY)
            S46d.  Did (he/she) get a cash settlement from that pension plan,
                   does (he/she) expect to get retirement benefits from that
                   plan in the future, is (he/she) getting retirement
                   benefits from that plan now, or what?  (CHECK ALL THAT
                   APPLY)
24535       R46d.  A.  CASH SETTLEMENT                                        
25135       S46d.  A.  CASH SETTLEMENT                                        
24536       R46d.  B.  EXPECT FUTURE BENEFITS                                 
25136       S46d.  B.  EXPECT FUTURE BENEFITS                                 
24537       R46d.  C.  GETTING BENEFITS NOW                                   
25137       S46d.  C.  GETTING BENEFITS NOW                                   
24538       R46d.  D.  NO BENEFITS                                            
25138       S46d.  D.  NO BENEFITS                                            
24539       R46d.  E.  OTHER                                                  
25139       S46d.  E.  OTHER                                                  

                   1.  Checked                                
                   5.  Not checked
                   0.  Inap.

24540       R46e.  During the past 36 months, that is the last three years,
                   how many months have you worked part-time?                 
25140       S46e.  During the past 36 months, that is the last three years,
                   how many months has (he/she) worked part-time?             

                   Code # MONTHS
                   0.  Inap.

24541       R46f.  Have there been any months over this period when you
                   worked full-time?                                          
25141       S46f.  Have there been any months over this period when (he/she)
                   worked full-time?                                          

                   1.  YES
                   5.  NO
                   0.  Inap.

24542       R46g.  How many of the past 36 months have you worked full-time?  
25142       S46g.  How many of the past 36 months has (he/she) worked 
                   full-time?                                                 

                   Code # OF MONTHS
                   00.  Inap.

24543       R46h.  How many different employers have you had on full-time
                   jobs over this time?                                       
25143       S46h.  How many different employers has (he/she) had on full-time
                   jobs over this time?                                       

                   Code # OF EMPLOYERS
                   0.  Inap.

24544        R46i.  When did you last work full-time for pay?--MONTH           
25144        S46i.  When did (he/she) last work full-time for pay?--MONTH      

                   Code MONTH
                   0.  Inap.

24545       R46i.  When did you last work full-time for pay?--YEAR            
25145       S46i.  When did (he/she) last work full-time for pay?--YEAR       

                   Code YEAR
                   0.  Inap.

WORK HISTORY FOR THOSE CURRENTLY RETIRED/DISABLED, HOMEMAKER, STUDENT,
OR OTHER                    

24601       R47.   Now I have a few questions about your past jobs.  Were you
                   working for pay in January 1983?                           
25201       S47.   Now I have a few questions about (his/her) past jobs. 
                   Was (he/she) working for pay in January 1983?              

                   1.  YES
                   5.  NO
                   0.  Inap.

24602       R47a.  What was the reason you left that job?  Did you retire,
                   become disabled, quit, were you laid off, did the business
                   close, or what?                                            
25202       S47a.  What was the reason (he/she) left that job?  Did (he/she)
                   retire, become disabled, quit, was (he/she) laid off, did
                   the business close, or what?                               

                    1.  RETIRED
                    2.  DISABLED
                    3.  QUIT
                    4.  LAID OFF
                    5.  BUSINESS CLOSED
                    6.  FIRED
                   -7.  OTHER
                    0.  Inap.
                    For the public use dataset, LAID OFF (4) and BUSINESS
                    CLOSED (5) are combined in 5, and FIRED (6) and
                    OTHER (-7) are combined in -7.

24603       R47b.  Were you covered by a pension or retirement plan on that
                   job?                                                       
25203       S47b.  Was (he/she) covered by a pension or retirement plan on
                   that job?                                                  

                   1.  YES
                   5.  NO
                   0.  Inap.

            R47c.  Did you get a cash settlement from that pension plan, do
                   you expect to get retirement benefits from that plan in
                   the future, are you getting retirement benefits from that
                   plan now, or what?  (CHECK ALL THAT APPLY)
            S47c.  Did (he/she) get a cash settlement from that pension plan,
                   does (he/she) expect to get retirement benefits from that
                   plan in the future, is (he/she) getting retirement
                   benefits from that plan now, or what?  (CHECK ALL THAT
                   APPLY)
24604       R47c.  A.  CASH SETTLEMENT                                        
25204       S47c.  A.  CASH SETTLEMENT                                        
24605       R47c.  B.  EXPECT FUTURE BENEFITS                                 
25205       S47c.  B.  EXPECT FUTURE BENEFITS                                 
24606       R47c.  C.  GETTING BENEFITS NOW                                   
25206       S47c.  C.  GETTING BENEFITS NOW                                   
24607       R47c.  D.  NO BENEFITS                                            
25207       S47c.  D.  NO BENEFITS                                            
24608       R47c.  E.  OTHER                                                  
25208       S47c.  E.  OTHER                                                  

                   1.  Checked                                
                   5.  Not checked
                   0.  Inap.

24609       R47d.  During the last three years, or 36 months, have you done
                   any work for pay?                                          
25209       S47d.  During the last three years, or 36 months, has (he/she)
                   done any work for pay?                                     

                   1.  YES
                   5.  NO
                   0.  Inap.

24610       R47e.  How many months over this period have you worked 
                   full-time?                                                 
25210       S47e.  How many months over this period has (he/she) worked 
                   full-time?                                                 

                   Code # MONTHS
                   -1.  NONE
                    0.  Inap.

24611       R47f.  How many different employers have you had on full-time
                   jobs over this time?                                       
25211       S47f.  How many different employers has (he/she) had on full-time
                   jobs over this time?                                       

                   Code # OF EMPLOYERS
                   0.  Inap.

24612       R47g.  How many months over this period have you only worked 
                   part-time?                                                 
25212       S47g.  How many months over this period has (he/she) only worked 
                   part-time?                                                 

                   Code # MONTHS
                   -1.  NONE
                    0.  Inap.

25852       T8.    Now I'd like to ask you some questions about your
                   (family's) income in previous years.  How much was the
                   total income you (and your family living here) received in
                   1987 from all sources, before taxes and other deductions
                   were made?                                                 
25854       T10.   How much was the total income you (and your family living
                   here) received in 1986 from all sources, before taxes and
                   other deductions were made?                                

                   Code actual amount
                   -1.  Zero; no income
                   .R    REFUSED
                   .D    DON'T KNOW
                   .N    NOT AVAILABLE

25853       T9.    Did you (and your family living here) receive more than
                   $30,000 in 1987?
            T9a.   Was it $50,000 or more?
            T9b.   Was it $100,000 or more?
            T9c.   Was it $250,000 or more?
            T9d.   Was it $5,000 or more?
            T9e.   Was it $10,000 or more?
            T9f.   Was it $20,000 or more?                                    
25855       T11.   Did you (and your family living here) receive more than
                   $30,000 in 1986?
            T11a.  Was it $50,000 or more?
            T11b.  Was it $100,000 or more?
            T11c.  Was it $250,000 or more?
            T11d.  Was it $5,000 or more?
            T11e.  Was it $10,000 or more?
            T11f.  Was it $20,000 or more?                                    

                   01.   Less than $5,000 (NO at T9d)
                   02.   $5,000-$10,000 (NO at T9e)
                   03.   $10,000-$20,000 (NO at T9f)
                   04.   $20,000-$30,000 (YES at T9f)
                   05.   $30,000-$50,000 (NO at T9a)
                   06.   $50,000-$100,000 (NO at T9b)
                   07.   $100,000-$250,000 (NO at T9c)
                   08.   $250,000 or more (YES at T9c)
                   .R    REFUSED
                   .D    DON'T KNOW
                   .N    NOT AVAILABLE
                    0.   Inap.

25856       T12.   During either 1986 or 1987, did you (or anyone in your
                   family living there) receive any income from ADC, AFDC,
                   SSI, or other public assistance?                           

                   1.  YES
                   5.  NO

25857      T13.   During either 1986 or 1987, did you (or anyone in your
                   family living there) receive any worker's compensation or
                   unemployment benefits?                                     

                   1.  YES
                   5.  NO

25858       T14.   During either 1986 or 1987, did you (or anyone in your
                   family living there) receive any financial support from
                   relatives or friends who do not live here, or receive any
                   alimony or child support payments?                         

                   1.  YES
                   5.  NO

25859       T14a.  Altogether, about how much such support did you (and your
                   family) receive in 1986 and 1987?                          

                   Code actual amount
                   -1.  Zero; nothing
                    0.  Inap.

25860       T15.   During either 1986 or 1987, did you (or anyone in your
                   family living there) provide any financial support for
                   relatives or friends who do not live here, or pay any
                   alimony or child support payments?                         

                   1.  YES
                   5.  NO

25861       T15a.  Altogether, about how much such support did you (and your
                   family) provide in 1986 and 1987?                          

                   Code actual amount
                   -1.  Zero; nothing
                    0.  Inap.

26001       V1.    Now I'd like to ask you some questions about the changes
                   to your (family's) finances over the past several years. 
                   Since January 1983, have you (or anyone living here)
                   bought or sold a home that was your primary residence?     

                   1.  YES
                   5.  NO

26002       V1a.   Did you only buy, only sell, both buy and sell, or what?   
  
                   1.  ONLY BOUGHT
                   2.  ONLY SOLD
                   3.  BOTH BOUGHT AND SOLD
                   0.  Inap.

26003       V1b.   In what month and year did you most recently sell a home?
                   --MONTH                                                    

                   Code MONTH
                   0.  Inap.

26004       V1b.   In what month and year did you most recently sell a home?
                   --YEAR                                                     

                   Code YEAR
                   0.  Inap.

26005       V1c.   What was the selling price?                                

                   Code actual amount
                   0.  Inap.

26006       V1d.And when did you buy that home?--MONTH

                   Code MONTH
                   0.  Inap.

26007       V1d.   And when did you buy that home?--YEAR    

                   Code YEAR
                   0.  Inap.
                   For the public use dataset, the year is rounded to the
                   nearest 5.

26008       V1e.   What was the purchase price?                               

                   Code actual amount
                   0.  Inap.

26009       V1f.   Since January 1983, have you sold any other home that was
                   your primary residence?                                    

                   1.  YES
                   5.  NO
                   0.  Inap.

26010       V1g.   In what month and year was this other home sold?  (IF MORE
                   THAN ONE, RECORD MOST RECENT SALE)--MONTH                  

                   Code MONTH
                   0.  Inap.

26011       V1g.   In what month and year was this other home sold?  (IF MORE
                   THAN ONE, RECORD MOST RECENT SALE)--YEAR                   
            

                   Code YEAR
                   0.  Inap.

26012       V1h.   What was the selling price?                                

                   Code actual amount
                   0.  Inap.

26013       V1j.   And when did you buy that home?--MONTH                     

                   Code MONTH
                   0.  Inap.

26014       V1j.   And when did you buy that home?--YEAR                      

                   Code YEAR
                   0.  Inap.
                   For the public use dataset, the year is rounded to the
                   nearest 5.

26015       V1k.   What was the purchase price?                               

                   Code actual amount
                   0.  Inap.

26016       V2.    Since January 1983, did you (or anyone in your family
                   living here) make any major additions or home improvements
                   to a primary residence that you owned?  (Do not count
                   general maintenance or upkeep.)                            

                   1.  YES
                   5.  NO

26017       V2a.   What was the dollar cost of these additions and
                   improvements, plus the value of any work you may have done
                   yourself?                                                  

                   Code actual amount
                   0.  Inap.

26018       V4.    Since January 1983, have you (or anyone in your family
                   living here) sold any real estate other than your
                   principal residence, such as a vacation home, land, or
                   rental or investment property?                             

                   1.  YES
                   5.  NO

26019       V4a.   Have you bought any such real estate properties since
                   January 1983?                                              
  
                   1.  YES
                   5.  NO
                   0.  Inap.

26020       V4b.   How many such real estate properties have you sold since
                   January 1983?                                              

                   Code # PROPERTIES SOLD
                   0.  Inap.
                   For the public use dataset, the number of such properties
                   is top-coded at 25.

26021       V4c.   In what month and year did you sell that property?--MONTH  

                   Code MONTH
                   0.  Inap.

26022       V4c.   In what month and year did you sell that property?--YEAR   

                   Code YEAR
                   0.  Inap.

26023       V4d.   About how much did you sell it for?                        

                   Code actual amount
                   0.  Inap.

26024       V5.    Have you also bought any such real estate properties since
                   January 1983?                                              

                   1.  YES
                   5.  NO
                   0.  Inap.

26025       V5a.   About how much in total did you pay for this real estate?  

                   Code actual amount
                   0.  Inap.

26026       V6.    Did you also buy any real estate of this sort since
                   January 1983?                                              
  
                   1.  YES
                   5.  NO
                   0.  Inap.

26027       V6a.   About how much in total was the dollar value of the real
                   estate you sold since January 1983?                        

                   Code actual amount
                   0.  Inap.

26028       V6b.   Overall, was the dollar value of the real estate you
                   bought greater than the dollar value of what you sold,
                   less than the value of what you sold, about equal, or
                   what?                                                      
  
                   1.  BOUGHT MORE THAN SOLD
                   2.  BOUGHT LESS THAN SOLD
                   3.  BOUGHT AND SOLD ABOUT EQUAL AMOUNTS
                   0.  Inap.

26029       V6c.   Roughly, about how much (more/less) did you buy than you
                   sold?                                                      

                   Code actual amount
                   0.  Inap.

26030       V6d.   INTERVIEWER CHECKPOINT                                     

                   1.  R ANSWERED "YES"--OWNS REAL ESTATE
                   2.  R ANSWERED "NO"
                   0.  Inap.

26031       V7.    Since January 1983, did you (or anyone in your family
                   living here) make any major additions or home improvements
                   to any real estate properties that you own?  (Do not count
                   general maintenance or upkeep.)                            

                   1.  YES
                   5.  NO
                   0.  Inap.

26032      V7a.   What was the dollar cost of these additions and
                   improvements, plus the value of any work you may have done
                   yourself?                                                  

                   Code actual amount
                   0.  Inap.

26033       V8.    Since January 1983, have you (or anyone in your family
                   living here) put personal funds into a privately held
                   business, professional practice, partnership or farm that
                   you own or share ownership in?                             

                   1.  YES
                   5.  NO

26034       V8a.   Altogether, about how much new money did you (or your
                   family living here) put into that, including any funds
                   that you borrowed personally?                              

                   Code actual amount
                   0.  Inap.

26035       V9.    Since January 1983, have you (or anyone in your family
                   living here) sold part or all of any interest in a
                   privately held business, professional practice,
                   partnership, or farm?                                      

                   1.  YES
                   5.  NO

26036       V9a.   Altogether, about how much did you (or your family living
                   here) sell your interest for?  (What was the selling
                   price?)  (IWER: WE WANT THE PRICE THE BUYER PAID.)         

                   Code actual amount
                   0.  Inap.

26037       V9b.   In what month and year did you sell that?  (MOST RECENT
                   SALE, IF MORE THAN ONE.)--MONTH                            

                   Code MONTH
                   0.  Inap.

26038       V9b.   In what month and year did you sell that?  (MOST RECENT
                   SALE, IF MORE THAN ONE.)--YEAR                             

                   Code YEAR
                   0.  Inap.

26039       V10.   Since January 1983, have you (or anyone in your family
                   living here) put money into or taken money out of an IRA
                   or Keogh accounts?                                         

                   1.  YES
                   5.  NO

26040       V10a.  Did you (or anyone in your family) put money in or take
                   money out?                                                 

                   1.  PUT IN
                   2.  TAKE OUT
                   3.  BOTH
                   0.  Inap.

26041       V10b.  Altogether, about how much did you (put in/take out)?      

                   Code actual amount
                   0.  Inap.

26042       V11.   Not counting any IRAs, Keoghs or pension accounts, since
                   January 1983, did you (or anyone in your family living
                   here) bought any shares of stock in publicly held
                   corporations, or put money into mutual funds, managed
                   investment accounts or trusts, including any automatic
                   reinvestments?                                             
  
                   1.  YES
                   5.  NO

26043       V12.   Did you (or your family living with you) also sell or cash
                   in any such assets?                                        

                   1.  YES
                   5.  NO
                   0.  Inap.

26044       V13.   Did you but more or sell more--that is, overall, did you
                   put money into stocks, mutual funds, managed investment
                   accounts or trusts, take money out of them, or put in
                   about as much as you took out?                             
  
                   1.  PUT MONEY IN
                   2.  TAKE MONEY OUT
                   3.  PUT IN ABOUT AS MUCH AS TOOK OUT
                   0.  Inap.

26045       V13a.  About how much more money did you (or your family living
                   here) (put in/take out)?                                   

                   Code actual amount
                   0.  Inap.

26046       V14.   Altogether, how much money (including any automatic
                   reinvestment) did you (or your family living here) put in?

                   Code actual amount
                   0.  Inap.

26047       V15.   Since January 1983, have you (or anyone in your family
                   living here) sold any shares of stock in publicly held
                   corporations, or taken money out of mutual funds, managed
                   investment accounts or trusts?                             

                   1.  YES
                   5.  NO
                   0.  Inap.

26048       V15a.  Altogether, how much money did you (or your family living
                   here) get from that?                                       

                   Code actual amount
                   0.  Inap.

26049       V16.   Since January 1983 have you done any work for pay?         
26129       V19.   Since January 1983 has your (husband/wife) done any work
                   for pay?                                                   

                   1.  YES
                   5.  NO

26101       V17.   Not counting IRAs or Keoghs, have you been included in any
                   employer-sponsored pension or retirement plan, or in any
                   tax-deferred saving plan, since January 1983?              
26130       V19a.  Not counting IRAs or Keoghs, has (he/she) been included in
                   any employer-sponsored pension or retirement plan, or in
                   any tax-deferred saving plan, since January 1983?          

                   1.  YES
                   5.  NO
                   0.  Inap.

26102       V17a.  Have you contributed to any of these plans, such as by
                   having money deducted from your pay?  (INCLUDE
                   CONTRIBUTIONS THROUGH UNION DUES OR OTHER SOURCES)         
26131       V19b.  Has (he/she) contributed to any of these plans, such as by
                   having money deducted from (his/her) pay?  (INCLUDE
                   CONTRIBUTIONS THROUGH UNION DUES OR OTHER SOURCES)         

                   1.  YES
                   5.  NO
                   0.  Inap.

26103       V17b.  For each year beginning with 1983, about what percent of
                   pay or amount of money per month or year have you
                   contributed to these plans?                                
26132       V19c.  For each year beginning with 1983, about what percent of
                   pay or amount of money per month or year has (he/she)
                   contributed to these plans?                                
  
                   1.  Year-by-year figure(s) given
                   8.  DON'T KNOW YEAR-BY-YEAR
                   0.  Inap.

26104       V17c.  Altogether during this period, about how much would you
                   guess?--%                                                  
26133       V19d.  Altogether during this period, about how much would you
                   guess?--%                                                  

                   Code %
                  -1.  None that year
                  -2.  99.6 percent or above
                   0.  Inap.

26105       V17c.  Altogether during this period, about how much would you
                   guess?--$                                                  
26134       V19d.  Altogether during this period, about how much would you
                   guess?--$                                                  

                   Code actual amount
                   0.  Inap.

26106       V17c.  Altogether during this period, about how much would you
                   guess?--PER                                                
26135       V19d.  Altogether during this period, about how much would you
                   guess?--PER                                                

                    2.  Week
                    3.  Biweekly
                    4.  Month
                    5.  Quarter
                    6.  Year
                   -7.  Other
                    8.  Total amount 1983-1989
                    0.  Inap.

                   (About what percent of pay or amount of money per month or
                   year have you contributed...)
26107       V17d.  First, in 1983?--% OF PAY                                  
26136       V19e.  First, in 1983?--% OF PAY                                  
26110       V17e.  ... in 1984?--% OF PAY                                     
26139       V19f.  ... in 1984?--% OF PAY                                     
26113       V17f.  ... in 1985?--% OF PAY                                     
26142       V19g.  ... in 1985?--% OF PAY                                     
26116       V17g.  ... in 1986?--% OF PAY                                     
26145       V19h.  ... in 1986?--% OF PAY                                     
26119       V17h.  ... in 1987?--% OF PAY                                     
26148       V19j.  ... in 1987?--% OF PAY                                     
26122       V17j.  ... in 1988?--% OF PAY                                     
26151       V19k.  ... in 1988?--% OF PAY                                     
26125       V17k.  ... in 1989?--% OF PAY                                     
26154       V19m.  ... in 1989?--% OF PAY                                     

                   Code %
                   0.  Inap.

26108       V17d.  First, in 1983?--$                                         
26137       V19e.  First, in 1983?--$                                         
26111       V17e.  ... in 1984?--$                                            
26140       V19f.  ... in 1984?--$                                            
26114       V17f.  ... in 1985?--$                                            
26143       V19g.  ... in 1985?--$                                            
26117       V17g.  ... in 1986?--$                                            
26146       V19h.  ... in 1986?--$                                            
26120       V17h.  ... in 1987?--$                                            
26149       V19j.  ... in 1987?--$                                            
26123       V17j.  ... in 1988?--$                                            
26152       V19k.  ... in 1988?--$                                            
26126       V17k.  ... in 1989?--$                                            
26155       V19m.  ... in 1989?--$                                            

                   Code actual amount
                   0.  Inap.

26109       V17d.  PER                                                        
26138       V19e.  PER                                                        
26112       V17e.  PER                                                        
26141       V19f.  PER                                                        
26115       V17f.  PER                                                        
26144       V19g.  PER                                                        
26118       V17g.  PER                                                        
26147       V19h.  PER                                                        
26121       V17h.  PER                                                        
26150       V19j.  PER                                                        
26124       V17j.  PER                                                        
26153       V19k.  PER                                                        
26127       V17k.  PER                                                        
26156       V19m.  PER                                                        

                    2.  Week
                    3.  Biweekly
                    4.  Month
                    5.  Quarter
                    6.  Year
                   -7.  Other
                    0.  Inap.

26201       V20.   Sometimes changes in a family's savings or assets are due
                   to people joining or leaving the family.  Was there anyone
                   living with you in 1983 who doesn't live with you now who
                   took $5,000 or more in assets or debts away with them? 
                   (IF R ASKS: DO NOT INCLUDE SPOUSE)                         

                   1.  YES
                   3.  Yes, but HHL sheet does not indicate that anyone moved
                       out
                   5.  NO

26202       V20a.  Altogether, what is the total dollar value of assets that
                   were removed that way?                                     

                   Code actual amount
                   -1.  Zero; nothing
                    0.  Inap.

26203       V20b.  Altogether, what is the total dollar value of debts that
                   were removed that way?                                     

                   Code actual amount
                   -1.  Zero; nothing
                    0.  Inap, 5, 8-9 in 6201

26205       V22.   Is there anyone in your family living with you now who has
                   joined the family since 1983 and who had $5,000 or more in
                   assets or debts at the time they joined the family?  (IF R
                   ASKS: DO NOT INCLUDE NEW SPOUSE)                           

                   1.  YES
                   3.  Yes, but HHL sheet does not indicate that anyone moved
                       out
                   5.  NO
                   0.  Inap.

26206       V22a.  Altogether, what is the total dollar value of assets that
                   were brought into the family in that way?                  

                   Code actual amount
                   -1.  Zero; nothing
                    0.  Inap.

26207       V22b.  Altogether, what is the total dollar value of debts that
                   were brought into the family in that way?                  

                   Code actual amount
                   -1.  Zero; nothing
                    0.  Inap.

26208       V26.   Since 1983, have you (or your [husband/wife]) or any of
                   your children attended college or trade school?            

                   1.  YES
                   5.  NO

            V26a.  Did you attend school, (did your [husband/wife]), or did
                   your children?  (CHECK ALL THAT APPLY, AND ASK ALL
                   FOLLOWUP QUESTIONS)
26209       V26a.  A.  RESPONDENT                                             
26210       V26a.  B.  SPOUSE                                                 
26211       V26a.  C.  CHILDREN                                               

                   1.  Checked
                   5.  Not checked
                   0.  Inap.

26212       V26b.  Did you get a degree?                                      
26214       V26d.  Did your (husband/wife) get a degree?                      

                   1.  YES
                   5.  NO
                   0.  Inap.

26213       V26c.  What degree did you earn?  (What was the highest?)         
26215       V26e.  What degree did (he/she) earn?  (What was the highest?)    

                    1.  ASSOCIATES
                    2.  BACHELORS
                    3.  MA/MBA
                    4.  PHD
                    5.  MD
                    6.  LAW
                   -7.  OTHER
                    0.  Inap.
                    For the public use dataset, PHD (4), MD (5), and
                    LAW (6) are combined in 4.

26216       V27.   How much in total did you (and your [husband/wife])
                   personally have to pay for all these college or trade
                   school expenses since 1983, including any loans you may
                   have taken out?                                            

                   Code actual amount
                   -1.  NOTHING
                    0.  Inap.

26217       V28.   Since 1983 did you (or your [husband/wife]) pay any
                   (other) tuition expenses for a private or parochial school
                   for anyone?                                                

                   1.  YES
                   5.  NO

26218       V28a.  In total, how much did you pay for private or parochial
                   school tuition expenses during that period?                

                   Code actual amount
                   0.  Inap.

26219       V29.   Now I have some questions about the past three years. 
                   During the past three years, have you (or anyone in your
                   family living here) purchased any kind of vehicle--car,
                   business or any leased vehicles?                           

                   1.  YES
                   5.  NO

26220       V29a.  About how much in total was the purchase price of these
                   vehicles?                                                  

                   Code actual amount
                   0.  Inap.

26221       V30.   During the past three years have you (or anyone in your
                   family living here) made purchases totaling $3,000 or more
                   for any furniture, appliances, or recreation items?        

                   1.  YES
                   5.  NO

26222       V30a.  About how much did these items cost in total?              

                   Code actual amount
                   0.  Inap.

26223       V31.   During the past three years did you (or anyone in your
                   family living here) have a major illness or disability
                   which required hospitalization or cost more than $1,000?   

                   1.  YES
                   5.  NO

26224       V31a.  Not including the costs paid for by insurance, during the
                   past three years how much in total did you (or anyone in
                   your family living here) personally have to pay for
                   expenses related to such illnesses or disabilities?        

                   Code actual amount
                   -1.  NOTHING
                    0.  Inap.

26225       V32.   During the past three years, did you (or anyone in your
                   family living here) have any unusually large expenses that
                   you paid for yourself, such as a child's marriage, a
                   lawsuit, or any other large expenses you have not
                   mentioned already?                                         

                   1.  YES
                   5.  NO

26226       V32a.  What was that expense for?  (Were there any other
26227              unusually large expenses?)                                 

                   Code 2 mentions

                   01.   Special occasions:  wedding/funeral/graduation
                   02.   Medical/dental
                   03.   Home repairs or improvements
                   04.   Purchase of consumer goods; vacations
                   05.   Gifts to children (incl. money for their home
                         purchase)
                   11.   Legal fees and expenses; "lawsuit"; "divorce"--NFS
                   12.   Business or investment related expenses
                   -7.   Other
                    0.   Inap.

26228       V32b.  How much did it cost you in total (for all these
                   expenses)?                                                 

                   Code actual amount
                   0.  Inap.

26229       V33.   During the past three years, did you (or anyone in your
                   family living here) receive any unusually large amounts of
                   money or property, such as an insurance or legal award,
                   winning the lottery, or any other unusually large
                   financial benefits that you have not already mentioned?    

                   1.  YES
                   5.  NO

26230       V33a.  From what source did you receive this money or property? 
26231              (Were there any other sources?)                            

                   Code 2 mentions

                   01.   Insurance settlement
                   02.   Lottery winnings
                   03.   Divorce settlement
                   04.   Other legal judgments; lawsuits
                   05.   Employer
                   06.   Gifts (from relatives)
                   07.   Profits in savings/investments
                   -7.   Other
                    0.   Inap.

26232       V33b.  How much did you receive in total from (this/all these) 
                   sources?                                                   

                   Code actual amount
                   0.  Inap.

26317       Y7a.   We are interested in how changes in marital status affect
                   people's financial well-being.  At the time of your
                   marriage, about how much did your (husband/wife) have in
                   assets?                                                    
26334       Y8a.   We are interested in how changes in marital status affect
                   people's financial well-being.  At the time of your
                   marriage, about how much did your (husband/wife) have in
                   assets?                                                    
26404       Y9b.   We are interested in how changes in living situations
                   affect people's financial well-being.  At the time you
                   began living together, about how much did your
                   partner have in assets?                                    
26432       Y10c.  We are interested in how changes in marital status affect
                   people's financial well-being.  At the time of your
                   marriage, about how much did your (husband/wife) have in
                   assets?                                                    

                   Code actual amount
                   -1.  NONE
                    0.  Inap.

26318       Y7b.   At that time, about how much did (he/she) have in debts?   
26335       Y8b.   At this time, about how much did (he/she) have in debts?   
26405       Y9c.   At this time, about how much did (he/she) have in debts?   
26433       Y10d.  At this time, about how much did (he/she) have in debts?   

                   Code actual amount
                   -1.  NONE
                    0.  Inap.

26322       Y7g.   At the time of your (husband's/wife's) death, were any
                   assets given to charities or to anyone not living with you
                   now?                                                       
26341       Y8g.   At the time of your (husband's/wife's) death, were any
                   assets given to charities or to anyone not living with you
                   now?                                                       
26423       Y9y.   At the time of your (husband's/wife's) death, were any
                   assets given to charities or to anyone not living with you
                   now?                                                       
26456       Y12c.  At the time of your (husband's/wife's) death, were any
                   assets given to charities or to anyone not living with you
                   now?                                                       

                   1.  YES
                   5.  NO
                   0.  Inap.

26323       Y7h.   About how much was that?                                   
26342       Y8h.   About how much was that?                                   
26424       Y9z.   About how much was that?                                   
26457       Y12d.  About how much was that?                                   

                   Code actual amount
                   0.  Inap.

26324      Y7j.   Did you receive any settlements from life insurance on
                   your (husband/wife)?                                       
26343       Y8j.   Did you receive any settlements from life insurance on
                   your (husband/wife)?                                       
26425       Y9aa.  Did you receive any settlements from life insurance on
                   your (husband/wife)?                                       
26458       Y12e.  Did you receive any settlements from life insurance on
                   your (husband/wife)?                                       

                   1.  YES
                   5.  NO
                   0.  Inap.

26325       Y7k.   About how much was that?                                   
26344       Y8k.   About how much was that?                                   
26426       Y9bb.  About how much was that?                                   
26459       Y12f.  About how much was that?                                   

                   Code actual amount
                   0.  Inap.

26326       Y7m.   At the time of your divorce, was there a division of
                   assets?                                                    
26345       Y8m.   At the time of your divorce, was there a division of
                   assets?                                                    
26417       Y9s.   At the time of your divorce, was there a division of
                   assets?                                                    
26445       Y11c.  At the time of your divorce, was there a division of
                   assets?                                                    

                   1.  YES
                   5.  NO
                   0.  Inap.

26327      Y7n.   What was the total dollar value of the assets that you
                   retained, including your share of the financial assets,
                   the home and other real estate and any other property that
                   you received?                                              
26346       Y8n.   What was the total dollar value of the assets that you
                   retained, including your share of the financial assets,
                   the home and other real estate and any other property that
                   you received?                                              
26418       Y9t.   What was the total dollar value of the assets that you
                   retained, including your share of the financial assets,
                   the home and other real estate and any other property that
                   you received?                                              
26446       Y11d.  What was the total dollar value of the assets that you
                   retained, including your share of the financial assets,
                   the home and other real estate and any other property that
                   you received?                                              

                   Code actual amount
                   0.  Inap.

26328       Y7p.   What was the total dollar value of the assets that your
                   (ex-husband/ex-wife) retained?                             
26347       Y8p.   What was the total dollar value of the assets that your
                   (ex-husband/ex-wife) retained?                             
26419       Y9u.   What was the total dollar value of the assets that your
                   (ex-husband/ex-wife) retained?                             
26447       Y11e.  What was the total dollar value of the assets that your
                   (ex-husband/ex-wife) retained?                             

                   Code actual amount
                   0.  Inap.

26329       Y7q.   Were you required to pay alimony, were you supposed to
                   receive alimony, or was no alimony involved in the
                   settlement?                                                
26348       Y8q.   Were you required to pay alimony, were you supposed to
                   receive alimony, or was no alimony involved in the
                   settlement?                                                
26420       Y9v.   Were you required to pay alimony, were you supposed to
                   receive alimony, or was no alimony involved in the
                   settlement?                                                
26448       Y11f.  Were you required to pay alimony, were you supposed to
                   receive alimony, or was no alimony involved in the
                   settlement?                                                

                   1.  PAY ALIMONY
                   2.  RECEIVE ALIMONY
                   5.  NO ALIMONY INVOLVED
                   0.  Inap.

26330       Y7r.   Did you receive custody of your children, did your former
                   (husband/wife) receive custody, do you have joint custody,
                   or were no children involved in the settlement?            
26349       Y8r.   Did you receive custody of your children, did your former
                   (husband/wife) receive custody, do you have joint custody,
                   or were no children involved in the settlement?            
26421       Y9w.   Did you receive custody of your children, did your former
                   (husband/wife) receive custody, do you have joint custody,
                   or were no children involved in the settlement?            
26449       Y11g.  Did you receive custody of your children, did your former
                   (husband/wife) receive custody, do you have joint custody,
                   or were no children involved in the settlement?            

                   1.  R CUSTODY
                   2.  SPOUSE CUSTODY
                   3.  JOINT CUSTODY
                   5.  NO CHILD
                   0.  Inap.

26331       Y7s.   Were you required to pay child support, were you supposed
                   to receive child support, or was child support not
                   involved in the settlement?                                
26350       Y8s.   Were you required to pay child support, were you supposed
                   to receive child support, or was child support not
                   involved in the settlement?                                
26422       Y9x.   Were you required to pay child support, were you supposed
                   to receive child support, or was child support not
                   involved in the settlement?                                
26450       Y11h.  Were you required to pay child support, were you supposed
                   to receive child support, or was child support not
                   involved in the settlement?                                

                   1.  PAY
                   2.  RECEIVE
                   5.  NO SUPPORT
                   0.  Inap.

26411       Y9n.   Do you receive support from your (husband/wife), do you
                   pay support, or is there no support involved?              
  
                   1.  RECEIVE SUPPORT
                   2.  NO SUPPORT INVOLVED
                   3.  PAY SUPPORT
                   0.  Inap.

26412       Y9p.   How much do you receive?                                   

                   Code actual amount
                   0 000 000.  Inap.

26413       Y9p.   PER                                                        

                    2.  Week
                    3.  Biweekly
                    4.  Month
                    5.  Quarter
                    6.  Year
                   -7.  Other
                    0.  Inap.

26414       Y9q.   How much do you pay?                                       

                   Code actual amount
                   0.  Inap.

26415       Y9q.   PER                                                        

                    2.  Week
                    3.  Biweekly
                    4.  Month
                    5.  Quarter
                    6.  Year
                   -7.  Other
                    0.  Inap.

26416       Y9r.   Are the assets and debts that you've told me about in this
                   interview owned mainly by you, are they owned jointly
                   with your (husband/wife), or what?                         
26439       Y10h.  Are the assets and debts that you've told me about in this
                   interview owned mainly by you, are they owned jointly
                   with your (husband/wife), or what?                         

                   1.  OWNED BY R
                   2.  OWNED JOINTLY
                  -7.  OTHER
                   0.  Inap.

IV. 1983 RECODES  
----------------

*******************************************************************************
*******************************************************************************
 The 1983 question identifier is given just to the right of the 
recode variable number.  Where possible, question information is given
from either the 1983 Technical Manual and Codebook or from the 1983
questionnaire itself.  The variable to the far right is the set of
1983 variables from which the recode was derived.  Most of the time,
the variable from the 1983 cleaned and imputed dataset was used. The
responses given are those for the recode variable.

For internal users, additional comments from the creation of these
 variables can be found in the following files:
 /mfs/scf2/scf89/doc/panel8389, or /mfs/scfa/create/doc/89p/panel8389 on MP1
*******************************************************************************
*******************************************************************************

CREDIT ATTITUDES

50040     A1.   General credit attitude                           (B5501)

                Respondents were asked: "Do you think it is a good
                idea or a bad idea for people to buy things on the
                installment plan?"

                1.   Good idea
                3.   Good in some ways, bad in others
                5.   Bad idea

           (A) Expenses of vacation trip
           (B) Living expenses when income is cut
           (C) Finance the purchase of a fur coat or jewelry
           (D) Finance the purchase of a car
           (E) Finance educational expenses

          A2.   Reasons for borrowing

50041(A)        For each of the potential reasons for             (B5504)
50042(B)        borrowing given in (A) - (E), respondents were    (B5505)
50043(C)        asked: "Tell me if it is all right for someone    (B5507)
50044(D)        like yourself to borrow money to .. (each reason  (B5509)
50045(E)        asked)?"                                          (B5511)
       
                1.   Yes
                5.   No

50046     A6.   Turned down for credit in last few years?         (B5522)

                Respondents were asked if he/she (or their spouse)
                had had a request for credit turned down by a
                particular lender or creditor in the past few years,
                or had been unable to get as much credit as he/she
                had applied for.

                1.   Yes, turned down
                3.   Yes, unable to get as much credit as he/she wanted
                5.   Not turned down

50047     A6b., A6c. Reapply for credit                           (B5525)

                Respondents were asked if he/she (or their spouse)
                reapplied for credit at the same lender or any other
                institution after he/she was turned down for credit
                (or did not get as much as he/she asked for).  If he/she
                had reapplied he/she was asked whether or not he/she
                eventually received as much credit as he/she had
                originally wanted.

                1.   Reapplied for credit and received as much as he/she
                     wanted
                2.   Reapplied for credit and were again denied or did
                     not receive as much as he/she wanted
                3.   Reapplied for credit and NA whether he/she received
                     as much as he/she wanted
                5.   Did not reapply
                0.   Inap.

50048     A7.   Dissuaded from applying for credit?               (B5526)

                Respondents were asked if there had been any time in
                the past few years that he/she (or their spouse) had
                thought about applying for credit at a particular
                place, but changed their mind because he/she thought
                he/she might be turned down.

                1.   Yes
                5.   No

CREDIT CARDS AND REVOLVING DEBT

            (A) Gasoline company credit cards
            (B) Bank credit cards (Visa, Mastercard, Choice)
            (C) General purpose credit cards (American Express,
                Diners Club, Carte Blanche)
            (D) National retailer credit cards (Sears, Penneys,
                Wards)
            (E) Other store or retailer credit cards 
            (F) Other credit cards (rental car, airline etc.)

50049     B1.   Does household have any credit cards?             (B4103)

                1.   Yes
                5.   No

50050     B2a. - B2f. Number of credit cards                      (B4105+B4108+
                                                                   B4111+B4114+
                Excludes cards owned by business or,multiple       B4117+B4120)
                cards per account.                                

                Code # cards                                          
                0.   none, inap. no credit cards
                For the public use dataset, the number of credit cards
                is top-coded at 20.

50055     B4a. - B4f.  Total credit card debt                     (B4102) 

                The sum of the amount owed on gasoline, bank, general 
                purpose, national retail, other retail, and other
                credit card debt after payment of last bill.

                Code actual amount             
               -1.   None
                0.   Inap.

50051     B5a.  Payment patterns                                  (B4123)
                Asked of all respondents owning bank, national
                retail, or other store credit cards.
 
                1.   Always pay full amount of credit card bills
                3.   Sometimes pay full amount or always pay some
                     bills in full
                5.   Hardly ever pay full amount of bills
                0.   Inap.

50052     B6.   Does household have lines of credit?              (B4104)

                1.   Yes
                5.   No

50053     B6a.  Amount owed on lines of credit                    (B4125)

                The amount currently owed on open-ended lines
                of credit such as checking account overdrafts
                or credit union borrowing.

               Code actual amount             
               -1.   None
                0.   Inap.

50054     B6c.  Lines of credit secured by equity in home?        (B4130) 

                Is home used as collateral for any lines of credit?

                1.   Yes
                5.   No
                0.   Inap.

HOUSING

50060     C2.   Residential ownership code                        (B3702)

                1.   Own; buying; or land contract
                2.   Pays rent
                3.   Neither owns nor rents - live-in servant; 
                     housekeeper; gardener; farm laborer; others
                     for whom housing is part of compensation
                     (janitors, nurses)                              
                4.   Neither owns nor rents - house is a gift paid 
                     for by someone outside household, household
                     pays only taxes
                8.   Other arrangement

50061     C4.   Amount of rent per month                          (B3705)

               Code actual amount             
                0.   Inap.

       
50062     C4a.  Utilities included                                (B3706)
  
                1.   Includes utilities
                3.   Some utilities included
                5.   Does not iclude utilities                      
                0.   Inap.

50063     C4b.  Rented Furnished                                  (B3707)
  
                1.   Furnished
                3.   Partially furnished
                5.   Unfurnished
                0.   Inap.

50064     C5.   Current value of home                             (B3708)

              Code actual amount             
                0.   Inap.

50065     C6.   Month home purchased                              (B3711)

               Code # MONTHS
               -1.   Household inherited home and no date given
                0.   Inap.

50066     C6.   Year  home purchased                              (B3712)

               Code   YEAR
               -1.   Household inherited home and no date given
                0.   Inap.
                For the public use dataset, the year is rounded to the
                nearest 5.

50067     C7.   Purhase price of home                             (B3713)

               Code actual amount             
               -1.   Household inherited home and no date given
                0.   Inap.

50068     C8.   Do you now have a mortgage or land contract             
                on this (house and lot/apartment/mobile home)?    (V247)

                1.   Yes; mortgage 
                2.   Yes; land contract
                5.   No

50069     C11a. Amount outstanding on loan(s)                     (B4002+B4024+
                                                                   B4452+B4472)
               Code actual amount             
                0.   Inap.

     
50083     C11.  Amount monthy payment on loan(s)                  (B4010+B4032+
                                                                   B4459+B4479)

               Code actual amount             
               -1.   All contributing loans have non-regular payments
                0.   Inap.

* Note that some other housing loans were retrieved from variables
  that were moved into the consumer loan section (e.g. B4452, B4472,
  B4459, and B4479) in the 1983 imputed dataset. These loans are NOT
  included in variable 50100, which is also derived from B4472.

LAND CONTRACTS OR LOANS/NOTES OWED TO HOUSEHOLD

50070     C18.  Have you (or anyone in your family living here) ever
                sold real estate for which you loaned money to the
                buyer or accepted a note or land contract from the
                buyer? We do not want to include any property owned 
                by a business which you own or have an interest   
                in.                                               (V401)

                1.   Yes
                5.   No

50071     C19.  Does the buyer still owe you money on any of these
                notes or land contracts?                          (V402)

                1.   Yes
                5.   No
                0.   Inap.

50072     C19b., C19d. Gross present value                        (B3605+B3620+
                                                                   B3635)
    
                Code actual amount             
                0.   Inap.

50073     C19i., C19j. Amount owed by household on loan/land contract
                       property                                   (B3607+B3622+
                                                                   B3637)

                Code actual amount             
                0.   Inap.

 
OTHER PROPERTIES

50074     C20.  Do you (or anyone in your family living here) own any
                (other) real estate such as a lot, vacation home, apartment
                building, or commercial property, or are you purchasing any
                properties using a land contract? We do not want to include 
                any property owned by a business which you own or have an
                interest in.                                      (V501,V1402,
                                                                   V1404,V1406)

                1.   Yes
                5.   No

50075     C22.  Gross value                                      (B3805+B3822+
                                                                  B3839+b3856)

               Code actual amount             
                0.   Inap.

50076     C23d. Amount outstanding on mortgage or debt on property 
                                                                 (B3806+B3823+
                                                                  B3840+b3857)

               Code actual amount             
                0.   Inap.

50084     C23c. Amount monthy payment on loan(s)                 (B3814+B3831+
                                                                  B3848)
 

               Code actual amount             
               -1.   All contributing loans have non-regular payments
                0.   Inap.

* Note that the fourth property was moved from the "other asset" and
  "other loan" section (i.e. if k27a.=18 then property information is
  in b3855-b3858). Also, no monthly payment information from "other
  asset" and "other loan" section. 

ADDITIONS AND REPAIRS

50085     D1.   Do you (or anyone in your family living here) currently owe
                any money on loans for improvements on this (house and lot/
                apartment/mobile home) for things like repairs, additions,
                landscaping, or major painting and decorating projects,
                excluding money owed on mortgages, credit cards, and lines
                of credit already mentioned?                     (V601)

                1.   Yes
                5.   No
                                                    

50086     D6a.  Amount outstanding on loan(s)                    (B4212+B4232)

               Code actual amount             
                0.   Inap.

50087     D6.   Amount monthly payment on loan(s)                (B4219+B4239)

               Code actual amount             
               -1.   All contributing loans have non-regular payments
                0.   Inap.

VEHICLES

50088     E11.  Do you (or anyone in your family living here) own a car,
                or any kind of truck, van, motorhome, or jeep-type vehicle,
                not including any leased vehicles or vehicles owned by a
                business?                                        (V701)   

                1.   Yes
                5.   No

50089           Total gross market value of vehicles             (B3902)

                Code actual amount             
                0.   Inap.

50090     E8.   Is any money owed on  loan(s) for this
                (MAKE/MODEL)?                                    (V709,V727,
                                                                  V745)

                1.   Yes
                5.   No
                0.   Inap.

50091     E10a. Amount outstanding on loan(s)                    (B4205)

                Code actual amount             
                0.   Inap.

50092     E10.  Amount monthly payment on loan(s)                (B4279+B4299+
                                                                  B4319)

               Code actual amount             
               -1.   All contributing loans have non-regular payments
                0.   Inap.

HH DURABLE AND OTHER DEBT

50093     F1., F1a.-F1c., F2 (REGULAR PAYMENTS ONLY)

                Excluding credit cards and loans we have already talked
                about, do you (or anyone in your family here) owe money
                for any (other) loans on which regular payments are 
                required--such as loans or credit for purchases of large
                things for the home, such as furniture, a refrigerator,
                stove, washing machine, television set, air conditioner,
                other household appliances, and so on?           (V801-V804)

                1.   Yes
                5.   No loans with regular payments

50094           Amount outstanding on loan(s)                    (B4332+B4352+
                                                                  B4372)

                Code actual amount             
                0.   Inap.

      
50095     F6.  Amount monthly payment on loan(s)                 (B4339+B4359+
                                                                  B4379)

               Code actual amount             
               -1.   All contributing loans have non-regular payments
                0.   Inap.

50096     F10.  (NON-REGULAR PAYMENTS ONLY)
                Do you (or anyone in your family living here) owe any 
                money on (other) loans which do not require regular
                payments, for instance, loans on a life insurance
                policy, or debts to some other person or bank, or
                employer, a student loan, or a margin account with a
                broker?                                          (V901)

                1.   Yes
                5.   No

50097     F14.  Amount outstanding on loan(s)                    (B4392+B4412+
                                                                  B4432)

               Code actual amount             
                0.   Inap.

50098     F19.  Now thinking of all types of debts, were all payments
                made the way they were scheduled during the last year,
                or were payments on any of the loans sometimes made
                later or missed? (only asked for regular scheduled
                payments)                                        (B4207)

                1.   All paid as scheduled
                5.   Sometimes got behind or missed payments
                0.   Inap

OTHER LOANS (FOR INVESTMENTS)

50099     K28.  Do you (or anyone in your family living here) owe any
                money not reported previously to make any of the
                investments you mentioned?                       (V1408)

                1.   Yes
                5.   No

50100     K28a. Amount outstanding on loan(s)                    (B4472)

               Code actual amount             
                0.   Inap.

* See note after variable 50083 concerning other housing loans in B4472.
  These were separated out before constructing 50100.

SAVINGS ATTITUDES

          H1.   Reasons for saving                               

                Respondents were asked what the household's most
                important reasons for saving were. Two variables 
                are provided for answers. This was an open-ended
                question.

50201(#1)                                                        (B5401)
50202(#2)                                                        (B5402)

                1.   Children's education; education of grandchildren
                2.   Own education; spouse's education; education--NA for
                     whom
                3.   "For the children/family"--NFS; "to help the kids
                     out"
               11.   Buying own house (code summer cottage in 12)
               12.   Purchase of cottage or second home for own use
               13.   Buy a car
               14.   Home improvements/repairs
               15.   To travel; take vacations
               16.   Buy durable household goods, appliances, home
                     furnishings; hobby items; for other purchases not
                     codable above or not further specified; "buy things
                     when we need/want them"; moving/special occasions
               17.   Burial; funeral expenses
               21.   Buying (investing in) own business/farm; equipment
                     for business/farm
               22.   Retirement; old age
               23.   Reserves in case of unemployment
               24.   In case of illness; medical/dental expenses
               25.   Emergencies; "rainy days"; other unexpected needs;
                     for "security"/independence
               26.   Investment reasons (to get interest, to be
                     diversified, to buy other forms of assets)
               27.   To meet contractual commitments (debt repayment,
                     insurance, taxes, etc.); to pay off house
               28.   "To get ahead"; for the future; to advance standard
                     of living
               29.   Ordinary living expenses/bills
               90.   Had extra income; saved because had the money left
                     over--no other purpose specified
               91.   Wise/prudent thing to do; good discipline to save
               97.   Other reason
               -1.   Don't/can't save; "have no money"
                0.   Inap. (No additional reason)

50203     H2.   Attitude  toward risk                            (B5403)

                Respondents were asked: "Which of the following
                statements on this card comes closest to the
                amount of financial risk you are willing to take
                when you save or make investments?"

                1.   Take substantial financial risks expecting to
                     earn substantial returns
                2.   Take above average financial risks expecting
                     to earn above average returns
                3.   Take average financial risks expecting to
                     earn average returns
                4.   Not willing to take any financial risks

50204     H3.   Attitude toward liquidity                        (B5404)

                Respondents were asked: "Which of the following
                statements on this card comes closest to how
                you feel about tying up your money in investments
                for long periods of time?"

                1.   Tie up money for a long period of time to earn
                     substantial returns
                2.   Tie up money for an intermediate period of time
                     to earn above average returns
                3.   Tie up money for a short period of time to earn
                     average returns
                4.   Not willing to tie up money at all

                 (A) Accountant
                 (B) Banker
                 (C) Stock broker
                 (D) Tax adisor
                 (E) Lawyer
                 (F) Spouse
                 (G) Friend or relative

          H4, H4a.-H4g. Does household use advice from sources?

50205(A)        For each potential source of advice in (A) - (G) (B5340)
50206(B)        above, the respondent indicated whether or not   (B5341)
50207(C)        he/she sought advice concerning savings and      (B5342)
50208(D)        investment decisions.                            (B5343)
50209(E)                                                         (B5344)
50210(F)                                                         (B5345)
50211(G)                                                         (B5346) 

                1.   Yes
                5.   No

50212     H4.   Other sources of advice                          (B5347)

                Other sources used by the household in making
                decisions about savings and investment than
                those listed above.

                1.   Financial advisor/counselor
                2.   Media; reading; Wall Street Journal
                3.   Insurance agent/company
                4.   Employer; company where respondent/spouse work
                5.   Other source
                0.   None

50213     H5.   Marginal tax rate

                Respondents were asked: "if you were to earn an extra 
                dollar of income, about what percent would have to be
                paid in federal income taxes?"                   (B5405)

               Code percentage times 10 (1 to 1000)
               -1.   None

50214     H6.   Savings in 1982

                Respondents were asked: "Considering all of your savings
                and reserve funds, overall, did you put more money in
                or take more money out in 1982?"                 (B5406)

                1.   Put more money in
                3.   Stayed the same, no savings
                5.   Took more money out

50215     H7.   Source of savings

                Respondents were asked: "Overall did most of your savings
                come from your regular income, or did they come originally
                from gifts and inheritance, or other sources?"   (B5407)

                1.   Mostly saved from income; own pension/social 
                     security; profit sharing
                2.   Mostly from gifts and inheritances
                3.   Combinations including income (1 & 2, 1 & 4, 1 & 6)
                4.   Settlements; insurance; lawsuit; divorce
                5.   Have no savings
                6.   Investment income; sale of property; interest
                7.   Other source

50216     H8.   Expect inheritance

                Respondents were asked if he/she expected to ever receive
                a large inheritance.                             (B5408)

                1.   Yes, expect inheritance
                5.   No, do not expect inheritance

BUSINESS ASSETS

                ACTIVE MANAGEMEMT ROLE BUSINESS(ES)

50077     K25a. Do you (or anyone in your family living here) have
                an active management role in any of these: own or
                share ownership in a privately-held business, farm,
                professional practice, or any type of partnership
                MENTIONED IN K25.)?                              (V1302)

                1.   Yes
                5.   No

50078     K26c. Dollar amount owed to household by business(es)  (B3506+B3519)

               Code actual amount             
               -1.   None
                0.   Inap.

50079     K26e. Dollar amount owed to business(es) by household  (B3507+B3520)

               Code actual amount             
               -1.   None
                0.   Inap.

50080     K26g. Value of household's net share in business(es)   (B3509+B3522)

               Code actual amount             
               -1.   Worthless
                0.   Inap.

                NON-ACTIVE MANAGEMEMT ROLE BUSINESS(ES)

50081     K25.  Do you (or anyone in your family living here) have
                an active management role in any of these: own or
                share ownership in a privately-held business, farm,
                professional practice, or any type of partnership
                MENTIONED IN K25.)?                             (V1302)
          K25a. (IF NO TO K25) Do you (or anyone in your family living
                here) have an active amangement role in any of these
                (MENTIONED IN K25)? (IF NO, ASSUMED NON-ACTIVE) (V1303)
          K26m. (IF YES TO K25) Do you (or anyone in your family
                living there) own or have an interest in any other
                partnership, privately-held business, a farm, or
                professional practice.                          (V1325)
    
                1.   Yes (if K25a. = 5)
                5.   No
* Note that if there was an active management role in a business and
  if there was an interest in any other ... (i.e. K26m. = 1),
  then they were set to be a non-active management type.

50082     K26n. Net value of business(es) with no management role
                                                                 (B3501)

               Code actual amount             
                0.   Inap.

FINANCIAL AND OTHER ASSETS, MISC.

50001     K1.   Now I'd like to talk about checking accounts that have
                no restrictions on either minimum check size or maximum
                number of checks you are allowed to write. Do you (or
                anyone in your family living here) have any of these
                checking accounts?                               (v1101)

                1.   Yes
                5.   No

50002     K4.   Total dollar amount in unrestricted checking 
                accounts                                         (B3401)

               Code actual amount             
                0.   Inap.

50003     K7.   Do you (or anyone in your family living here) 
                have any Individual Retirement Accounts or IRA's?
                                                                 (v1123)
          K8.   Do you (or anyone in your family living here)
                have any Keogh accounts?                         (v1125)

                1.   Yes (if either of the two above)
                5.   No  (if neither of the two above)

50004     K7a., K8a. Total dollar amount in IRA or KEOGH accounts
                                                                 (B3446)
 
               Code actual amount             
                0.   Inap.

* NOTE: Money market demand accounts (MMDA) are accounts held at
  insured institutions (i.e. commercial banks, savings and loans,
  or credit unions).
  Money market mutual funds (MMMF) are accounts held at uninsured
  institutions.

  In the final 1983 dataset, insured money market accounts were
  separated from uninsured money market accounts.  Call accounts were
  also included with uninsured money market accounts.  X50008 removes
  call money to make 1983 comparable to 1989.  The call account is
  picked up in 50028.

                      MMDA

50005     K14.  Do you (or anyone in your family living here)
                have any money market mutual fund accounts at a
                mutual fund company or broker or any money market
                deposit accounts at commercial banks, savings and
                loan associations, savings banks, or credit unions?
                (Excluding the certificate accounts you already
                mentioned.)                                      (v1142)

                1.   Yes
                5.   No

50006     K14c., K21c., 
 
                Total dollar amount in MMDA money market accounts
                                                                 (B3419)
               Code actual amount             
                0.   Inap.

                      MMMF

50007     K14.  Do you (or anyone in your family living here)
                have any money market mutual fund accounts at a
                mutual fund company or broker or any money market
                deposit accounts at commercial banks, savings and
                loan associations, savings banks, or credit unions?
                (Excluding the certificate accounts you already
                mentioned.)                                      (v1142)

                1.   Yes
                5.   No

50008     K14c., K21c., 

                Total dollar amount in uninsured MMDA money market
                accounts                                         (B3420-B3431)

               Code actual amount             
                0.   Inap.

50009     K11.  Do you (or anyone in your family living here) have 
                any all-savers certificates?                     (v1136)

          K12.  Do you (or anyone in your family living here) have 
                any seven-day to ninety-day savings certificates, 
                any six-month money market certificates, or 
                repurchase agreements?                           (v1138)

          K13.  Do you (or anyone in your family living here) have
                any other certificates of deposit or savings
                certificates, such as small savers or four year
                certificates?                                    (v1140)

                1.   Yes (if any of the three above)
                5.   No  (if none of the three above)

50010     K11a., K12a., K13a.

                Total dollar amount of certificates of deposit   (B3453)

               Code actual amount             
                0.   Inap.

50011     K15.  Do you (or anyone in your family living here) have
                any savings accounts, including passbook, statement
                savings, share accounts, or Christmas Club 
                Accounts?                                        (v1201)

                1.   Yes
                5.   No

50012     K15c. Total dollar amount in all savings or share 
                accounts                                         (B3434)

               Code actual amount             
                0.   Inap.

50013     K19a. Do you (or anyone in your family living here) have
                any shares in a tax-free Mutual Fund?            (v1223)

                1.   Yes
                5.   No

50014     K20a. Total dollar amount of shares in tax-free mutual
                funds	                                         (B3463)

               Code actual amount             
                0.   Inap.

50015     K19b. (Any other) shares in Mutual Funds?              (v1225)

                1.   Yes
                5.   No

50016     K20b. Total dollar amount of shares in taxable mutual
                funds                                            (B3464)

               Code actual amount             
                0.   Inap.

50017     K16.  Do you (or anyone in your family living here) have
                any U.S. government savings bonds?               (v1213)

                1.   Yes
                5.   No

50018     K16a. Total face amount of U.S. government savings bonds
                                                                 (B3457)

               Code actual amount             
                0.   Inap.

50019     K17b. Do you (or anyone in your family) have any state,
                county, or municipal bonds?                      (v1218)

                1.   Yes
                5.   No

50020     K18b. Total face amount of state, county, or municipal
                bonds                                            (B3460)

               Code actual amount             
                0.   Inap.

50021     K17a. Do you (or anyone in your family living here) have
                any federal government bonds or bills?           (v1216)

          K17c. Any corporate or foreign bonds, or any other bonds?
                                                                 (v1220)

                1.   Yes (if either of the two above)
                5.   No  (if neither of the two above)

50022     K18a., K18c.

                Total face amount of federal government bonds or
                bills plus total face amount of corporate, foreign,
                or other bonds                                 (B3459+B3461)

               Code actual amount             
                0.   Inap.

50023     K19c. Publicly traded stock in the company where you
                (or your family here) work?                    (v1227)

                1.   Yes
                5.   No

50024     K20c. Total dollar amount of publicly traded stock in
                own company                                    (B3466)

               Code actual amount             
                0.   Inap.

50025     K19d. Publicaly traded stock held in an investment club 
                or partnership?                               (v1229)

          K19e. Any other publicly traded preferred or common
                stock?                                        (v1231)

                1.   Yes (if either of the two above)
                5.   No  (if neither of the two above)

50026     K20d., K20e.

                Total dollar amount of stock held in investment 
                clubs plus total dollar amount of other publicly
                traded stock                                  (B3465+B3467)

               Code actual amount             
                0.   Inap.

50027     K21b. Excluding any account you've already mentioned,
                do you have a cash or call money account at a
                stock brokerage company?                      (v1236)

                1.   Yes
                5.   No

50028     K21c. Total dollar amountt in call money at brokerage
                company                                       (B3431)

               Code actual amount             
                0.   Inap.

* note: 83 call money is always at brokerage co. (inst. type=6 for all cases),
  89 call money is mostly held at brokerage cos. but 5 cases rpt call money
  at a non-brokerage inst.

50029     K22.  Do you (or anyone in your family living here) have
                other assets in a trust or managed investment account
                that you have not already mentioned?          (v1240)

                1.   Yes
                5.   No

50030     K22a. Total dollar amount in trust accounts         (B3470)

               Code actual amount             
                0.   Inap.

50031     K27., K27a.

                We have talked about various types of savings and
                investments. Do you (and your family living here)
                have any others that we haven't mentioned-- such as
                a boat, or money loaned or invested with friends or
                relatives, or antiques, precious metals, gems, or
                art held for investment purposes?             (v1401,v1402
                                                               v1404,v1406)

* excludes debts owed to Respondent from family/friends/others

                1.   Yes
                5.   No

50032      K27b. Total dollar amount in other assets (excludes debts owed to
                 Respondent from family/friends/others)       (B3483+B3485+
                                                               B3487)

               Code actual amount             
                0.   Inap.

50033     K27., K27a.

                We have talked about various types of savings and
                investments. Do you (and your family living here)
                have any others that we haven't mentioned-- such as
                a boat, or money loaned or invested with friends or
                relatives, or antiques, precious metals, gems, or
                art held for investment purposes?             (v1401,v1402
                                                               v1404,v1406)
* only includes debts owed to Respondent from family/friends/others
  
                1.   Yes
                5.   No

50034     K27b. Total dollar amount in debts owed to R from
                family/friends/others                          (B3483+B3485+
                                                                B3487)
               Code actual amount             
                0.   Inap.

50035     K24a. Are these policies term insurance, or are they the
                type which build up a cash value and you can borrow
                on them?                                       (v1245)

                1.   Yes
                5.   No

50036     K24d. Dollar cash value of whole life insurance      (B3475)

              Code actual amount             
               0.   Inap.

EMPLOYMENT

50220(H)  R1., R1a.-R1d. 

               Job status at the time of the interview         (B4510)

50240(S)  S1., S1a.-S1d. 

               Job status at the time of the interview         (B4610)

              11.   Working more than 20 hours a week  
              12.   Working 20 hours per week or less  
              13.   Retired, work more than 20 hours a week  
              14.   Student, work more than 20 hours a week  
              15.   Housewife, work more than 20 hours a week  
              16.   Unemployed, work more than 20 hours a week  
              17.   Other, work more than 20 hours a week  
              18.   Other, work 20 hours per week or less  
              20.   Laid off, will return
              21.   Laid off, no return
              22.   Laid off/other, will return
              30.   Unemployed, worked before
              31.   Unemployed, never worked
              32.   Unemployed, work 20 hours per week or less
              33.   Unemployed/other not working
              50.   Retired, not working
              51.   Retired, work 20 hours per week or less
              52.   Retired/other not working
              70.   Student, not working
              72.   Student, work 20 hours per week or less
              73.   Student/other, not working
              80.   Housewife, not working
              81.   Housewife, work 20 hours per week or less
              97.   Other, not working
               0.   Inap.

50221(H)  R2., R2a., R2b.                                      (B4531)

               3 digit 1970 Census of Population occupation code

50241(S)  S2., S2a., S2b.

               3 digit 1970 Census of Population occupation code      
                                                               (B4631)

               See other documentation for codes (e. g. 1983
               Technical Manual and Codebook)

               0.   Inap, not working

50222(H)  R3.  3 digit 1970 Census of Population industry code (B4536)
50242(S)  S3.  3 digit 1970 Census of Population industry code (B4636)

               See other documentation for codes (e. g. 1983
               Technical Manual and Codebook)

               0.   Inap, not working

50223(H)  R4., R4a., R5.  Type of employer                     (B4540) 
50243(S)  S4., S4a., S5.  Type of employer                     (B4640) 

               1.   Federal government
               2.   State/local government
               3.   Public school/college
               4.   Private school
               5.   Military
               6.   Employed by private sector, less than 100
                    employees
               7.   Employed by private sector, more than 100
                    employees
               8.   Self-employed
               0.   Inap.

50224(H)  R6.  Number of years spent working for employer       (B4543) 
50244(S)  S6.  Number of years spent working for employer       (B4643) 

              Code number of years
               0.   Inap.
               For the public use dataset, the number of years with
               the current employer is top-coded at 50.

50225(H)  R7.  Reported number of years before expect to
               leave job                                        (B4551) 
50245(S)  S7.  Reported number of years before expect to
               leave job                                        (B4651) 

              Code number of years (1 to 50)
              -7.   Never retire
               0.   Inap.

50226(H)  R8.  Average hours per week worked                    (B4544) 
50246(S)  S8.  Average hours per week worked                    (B4644)

              Code number of hours (1 to 95)
               0.   Inap.

50227(H)  R9.  Average weeks per year worked                    (B4545) 
50247(S)  S9.  Average weeks per year worked                    (B4645)

              Code number of hours (1 to 52)
               0.   Inap.
 

50228(H)  R10. Annual income                                    (B4546) 
50248(S)  S10. Annual income                                    (B4646)

              Code actual amount
               0.   Inap.
 

50229(H)  R15., R15a. Pension coverage (current job)            (B4901)
50249(S)  S15., S15a. Pension coverage (current job)            (B5001)

               1.   Covered and vested, anticipates benefits
               2.   Covered and DK if vested, anticipates benefits
               3.   Covered but not vested yet, anticipates benefits
               4.   Covered but not vested yet, does not anticipate
                    benefits
               5.   Not covered, anticipates will be (pension
                    questions not asked)
               6.   Not covered, never will be (pension questions
                    not asked)
               7.   Not covered, DK whether will be in future
                    (pension questions not asked)
               8.   Self-employed (pension questions not asked)
               0.   Inap, not currently working

         
50230(H)  R24., R24a. 

          Participation in tax-deferred compensation or
          savings plans (thrift-type plans for current job
          other than primary defined contribution plans)        (B4941)

50250(S)  S24., S24a.

          Participation in tax-deferred compensation or
          savings plans (thrift-type plans for current job)     (B5041)

               2.   Thrift plan, savings plan, savings investment plan
               3.   Profit sharing plan (exception NFS)
               4.   Stock option plan, ESOP, stock ownership, stock
                    savings plan
               5.   Annuity plan
               7.   Tax sheltered, tax deferred, deferred compensation
                    plan not otherwise codable
               8.   Company name given, type of account NA
               9.   Other type
               0.   Inap, no thrift account

50231(H)  R23f. Dollar amount in thrift-type account            (B4946) 
50251(S)  S23f. Dollar amount in thrift-type account            (B5046)

              Code actual amount
               0.   Inap.

 
50232(H)  R23g. Dollar amount withdrawable from thrift-type
                account now                                     (B4947) 
50252(S)  S23g. Dollar amount withdrawable from thrift-type
                account now                                     (B5047) 

               Code actual amount
               -1.   None
                0.   Inap.
 

INCOME

          T1.   We have talked about various sources of income.  Now we
                would like to get the overall picture of all the different
                sources of income that you (and members of your family
                living here) had in 1988.  Did (you/anyone) have income
                from wages and salaries, including bonuses, overtime and
                commissions?  (RECORD IN COLUMN T1 AND ASK T2 FOR EACH
                SOURCE OF INCOME AS IT IS MENTIONED.)

          T2.   In total, how much income from (SOURCE) was received by
                you (and your family living here) in 1982 before deduct-
                ions for taxes and anything else? (RECORD IN COLUMN T2.)

50260     T1a.  Income in wages and salary?                     (B3205)

                1.   Yes (B3205 ne 0)
                5.   No  (B3205 eq 0)

50261     T2a.  Income in wages and salary                      (B3205)  

               Code actual amount
                0.   Inap.
 

50262     T1b.  Income from a professional practice, business,
                or farm?                                        (B3206)

                1.   Yes (B3206 ne 0)
                5.   No  (B3206 eq 0)

50263     T2b.  Income from a professional practice, business,
                or farm                                         (B3206)

               Code actual amount
                0.   Inap.
 

50264     T1c.  Income from non-taxable investments such as
                IRA's or municipals?                            (B3207)

                1.   Yes (B3207 ne 0)
                5.   No  (B3207 eq 0)

50265     T2c.  Income from non-taxable investments such as
                IRA's or municipals?                            (B3207)

               Code actual amount
                0.   Inap.

50266     T1d.  Taxable interest income?                        (B3208)

                1.   Yes (B3208 ne 0)
                5.   No  (B3208 eq 0)

50267     T2d.  Taxable interest income                         (B3208)

               Code actual amount
                0.   Inap.

50268     T1e.  Dividend income?                                (B3209)

                1.   Yes (B3209 ne 0)
                5.   No  (b3209 eq 0)

50269     T2e.  Dividend income                                 (B3209)

               Code actual amount
                0.   Inap.

50270     T1f.  Net gains from the sale of stocks/bonds, or real
                estate?                                         (B3210)

                1.   Yes (B3210 ne 0) 
                5.   No  (B3210 eq 0)

50271     T2f.  Net gains from the sale of stocks/bonds, or real
                estate                                          (B3210)

               Code actual amount
                0.   Inap.

50272     T1g.  Rent, trust income, or royalties from another
                investment?                                     (B3211)

                1.   Yes (B3211 ne 0)
                5.   No  (B3211 eq 0)

50273     T2g.  Rent, trust income, or royalties from another
                investment                                      (B3211)

               Code actual amount
                0.   Inap.

50274     T1h.  Worker's or unemployment compensation income?   (B3212)

                1.   Yes (B3212 ne 0)
                5.   No  (B3212 eq 0) 

50275     T2h.  Worker's or unemployment compensation income    (B3212)

               Code actual amount
                0.   Inap.

50276     T1j.  Child support, alimony, inheritance, gifts,
                financial support?                              (B3213)

                1.   Yes (B3213 ne 0)
                5.   No  (B3213 eq 0)

50277     T2j.  Child support, alimony, inheritance, gifts,
                financial support                               (B3213)

               Code actual amount
                0.   Inap.

50278     T1k.  ADC, AFDC, food stamps, SSI, welfare, other
                public assistance?                              (B3214)

                1.   Yes (B3214 ne 0)
                5.   No  (B3214 eq 0)

50279     T2k.  ADC, AFDC, food stamps, SSI, welfare, other
                public assistance                               (B3214)

               Code actual amount
                0.   Inap.

50280     T1m.  Retirement, annuity, pension, disability, survivor,
                benefits?                                       (B3215)

                1.   Yes (B3215 ne 0)
                5.   No  (B3215 eq 0)

50281     T2m.  Retirement, annuity, pension, disability, survivor,
                benefits                                        (B3215)

               Code actual amount
                0.   Inap.

50282     T1n.  Other income?                                   (B3216)

                1.   Yes (B3216 ne 0)
                5.   No  (B3216 eq 0)

50283     T2n.  Other income                                    (B3216)

               Code actual amount
                0.   Inap.

          T1n.  Sources of other income 

50284(#1)                                                       (B3217)
50285(#2)                                                       (B3218) 

                1.   Settlements from lawsuits, divorce, insurance
                2.   Gambling winnings  
                3.   Educational scholarships or grants, GI bill,
                     fellowship
                4.   Other source
                0.   Inap.

50286     T3.   Total 1982 gross (pre-tax) household income     (B3201)  

               Code actual amount
                0.   Inap.
 

V. OTHER 1989 VARIABLES
-----------------------

Valid values of the J-variables for variables in this section include:

0  = value reported on original dataset (includes values reported in the
     questionnaire that were alered during editing).

1  = question is inapplicable (e.g., R has no checking account
     so value of checking account is coded as zero -- NOTE: zero is a
     legitimate value for X-variables only for this value of the
     associated J-variable).

2  = evidence from problem sheets that data moved from another
     location, but no evidence that value was altered,
     or data moved.
3  = evidence from problem sheets that data moved from another
     location, and evidence that value was somehow altered based on
     margin notes or other information.

4  = evidence that data imputed from marginal notes.

5  = 83/86 value brought forward.

8  = recode of survey variables, no missing values in antecedents.
9  = recode of survey variables, insufficient data collected to
     compute value, but not imputed.

12 = in case of regular installment loans where term is DK, non-missing
     typical payment moved to monthly payment section.
 
13 = coded value overridden after editing completed.
14 = inapplicable given hard-code decision (15).
15 = hard-coded imputation determined during cleaning.
16 = override of reported 89 data with 86 data.
17 = override of reported 89 data with 83 data.
18 = other panel override of reported data (combination of 16 & 17, logical
     consistency, misc. intuition).

19 = imputation of missing 89 data using 86 data.
20 = imputation of missing 89 data using 83 data.

24 = range card response A: $1 to $500.
25 = range card response B: $501 to $1,000.
26 = range card response C: $10,01 to $2,500.
27 = range card response D: $2,500 to $10,000.
28 = range card response E: $10,001 to $50,000.
29 = range card response F: $50,001 to $250,000.
30 = range card response G: $250,001 to $1,000,000.
31 = range card response H: $1,000,001 to $10,000,000.
32 = range card response I: $10,000,001 to $100,000,000.
33 = range card response J: more than $100,000,000.
34 = range card response < 0 A: -$1 to -$500.                  
35 = range card response < 0 B: -$501 to -$1,000.              
36 = range card response < 0 C: -$10,01 to -$2,500.            
37 = range card response < 0 D: -$2,500 to -$10,000.           
38 = range card response < 0 E: -$10,001 to -$50,000.          
39 = range card response < 0 F: -$50,001 to -$250,000.         
40 = range card response < 0 G: -$250,001 to -$1,000,000.      
41 = range card response < 0 H: -$1,000,001 to -$10,000,000.   
42 = range card response < 0 I: -$10,000,001 to -$100,000,000. 
43 = range card response < 0 J: less than -$100,000,000.

44 = value < 0, amount DK
45 = value < 0, amount NA

49 = variable imputed during editing from margin notes, reimputed.

50 = original response was DK.
51 = original response was NA (includes refusals, interviewer errors,
     and missing data resulting from editing decisions).  Does not
     include data missing as a result of missing higer-order questions.
52 = original response missing as a result of missing information for
     a higher-order question (typically a YES/NO cut question).  In
     this case, the higher-order question has been imputed in such
     a way as to render response appropriate.
53 = refused (available only for aggregate income, income range
     questions, whether filed tax return, and AGI: T3/4/7b/7d).
54 = some, DK how many (see B6).

79 = data missing becaue of questionnaire error, or data not collected

80 = recode variable, missing because data not collected for a
     sub-group, data to be imputed.
81 = recode variable, some, but not all components originally missing.
82 = recode variable, all components originally missing.

88 = for property value, only assessed value given.

98 = override of reported information (e.g., R says has 1 IRA, but
     2 institution types reported) -- value set to missing.

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

100 = Value set to missing while problem with case is being resolved
      (temporary code).

*************************************************************************
   The following set of j-codes correspond to variables that were
   created and/or updated using panel information from 1983,1986, 
   as well as 1989.
*************************************************************************

183 = demographic and employment recodes for panel and panel/cross-section
      cases: only 83 data missing.
184 = employment recodes for panel and panel/cross-section cases: 83
      and 86 data missing.
185 = demographic and employment recodes for panel and panel/cross-section
      cases: 83 and 89 data missing. 
186 = demographic, marital history, and employment recodes for panel
      and panel/cross-section cases: only 86 data missing. 
187 = demographic, marital history, and employment recodes for panel
      and panel/cross-section cases: 86 and 89 data missing.
188 = marital history and employment recodes for panel
      and panel/cross-section cases: 83,86 and 89 data missing.
189 = demographic, marital history, and employment recodes for panel
      and panel/cross-section cases: only 89 data missing. 

200 = marital history variable set to missing due to irreconcilable
      inconsistencies between 1986 and 1989 data.

There are no K-variables for any variables in this section.

-----------------------------------------------------------------------------
MISC. DATA
-----------------------------------------------------------------------------

 XX1               Original case ID (4-digit) -- identical for
                   all 3 imputation replicates

                   Case ID's for New X Section
                     0001-2000
                   Case ID's for Panel Sample
                     2001 -  X Section only Iw's
                     3001 -  Panel and X Section
                     4001 -  Panel only Iw

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

  2         1.     IWER ID No. (4-digit)                                      

                        .N  NA

  3         3.     Start Date of IW--MONTH (*Month 6-12=1989, 1-5=1990)       
                                                
                   Code MONTH                   If only one date is
                   .N  NA                       given, code it as the
                                                start date and code
                                                zero's for end date.
  4         3.     Start Date of IW--DAY

                   Code DAY
                   .N  NA

8095        R      Start date of IW--YEAR

                   Code YEAR

  5         3.     End Date of IW--MONTH

                   Code MONTH
                   .N   NA
                    0.  Only one date given

  6         3.     End Date of IW--DAY

                   Code DAY
                   .N   NA
                    0.  Only one data given

  7         4.     Length of IW                                               

                   Code MINUTES
                     .N   NA

  8         6.     Mode of Interview                                          

                   1.  Face-to-Face (include New X Section)
                   2.  Telephone

  9                Precode for List Sample (from Field Office list)    

                   1.  Yes, "SPEC" precoded on facesheet
                   5.  Not in Special Sample

 10                SAMPLE ID (8 digit)                                        

                   All 0 for new Cross Section sample (Iw's 001-1999)
                   For Panel Sample (2001, 3001, 4001 series), see HOUSEHOLD
                   LISTING UPDATE SHEET

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

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

                       1. REVERSED
                       5. NOT REVERSED

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

 14                Respondent:  "Imputed age"
 19                Spouse:  "Imputed age"
                   (IF HHL AGE=COMPUTED AGE, THE IMPUTED AGE=SAME.
                   IF HHL AGE=COMPUTED AGE +/- 2 YEARS, THEN IMPUTED AGE=
                   COMPUTED AGE (I.E., BASED ON DATE OF BIRTH).  IN ALL
                   OTHER CASES, COMPUTED AGE DERIVED BY EDITORS FROM
                   BEST INFORMATION AVAILABLE IN THE IW.)
                   (IMPUTED AGE WAS BE USED IN CONVERSIONS OR CALCULATIONS
                   INVOLVING AGE OF R/S.)
                                                
                   Code age

100                ABSENT SPOUSE:  Income, debts, assets                      

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

101               SUMMARY:  # persons in HHL                                 

                   Code total # of persons in HHL

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

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

8022(#1)    HHL-C. AGE                  
104(#2)                                                                       
110(#3)            Code AGE
116(#4)                                 
122(#5)            1.  One year or less
128(#6)            0.  Inap. (No further persons)
134(#7)
204(#8)
210(#9)            For all ages after X104 (spouse's age), the ages are
216(#10)           rounded to the nearest 5 years
222(#11)
228(#12)

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

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

            HHL4.  (ASK ABOUT ALL [related] ADULTS 22 YEARS AND OLDER EXCEPT
                   RESPONDENT AND SPOUSE)  Does (RELATIONSHIP) depend on you
                   (and your [husband/wife]) for most of (his/her) support or
                   is (he/she) financially independent for the most part? 
                   (RECORD IN COL. F. ABOVE.)
8098(#1)    HHL-F.
107(#2) 
113(#3)            1.  FINANCIALLY DEPENDENT; R (Unit #1)                  
119(#4)                                                     Col F should be
125(#5)            2.  INDEPENDENT FINANCES--Unit #2        coded/edited   
131(#6)            3.        "         "   --Unit #3        for each indi- 
137(#7)            4.        "         "   --Unit #4        vidual listed. 
207(#8)            5.        "         "   --Unit #5        Codes 2-5 will 
213(#9)            0.  Inap. (No further persons, person    be edited in   
219(#10)               under 22)                            green.         
225(#11)
231(#12)          NOTE: in some cases, interviewers asked this
                  question of people who were aged less than 22.
                  However, it is important to note that because this
                  question was not asked of everyone under 22, this
                  distinction does not necessarily reflect the true
                  distribution of the population.

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

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

                   How many financial institutions do you (and your family
                   living here) have accounts with or regularly do personal
                   financial business with?  Include  banks, savings and
                   loans, credit unions, loan companies, and brokerages.  Do
                   not include institutions where you have only a credit card
                   account.                                                   

                   Code NUMBER
                   -1.  NONE

306        A5k.   Can you (or your family living here) deposit or withdraw
                   money from (this institution/any of these institutions)
                   using an automated teller machine or ATM?                  

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

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

       For the public use dataset, different institution cells are
       collapsed for different variables.  The SAS code that performs
       this collapsing is given after the master list below. 

               FINANCIAL INSTITUTIONS MASTER REFERENCE LIST

                    1.  Institution #1 from Card A
                    2.  Institution #2 from Card A
                    3.  Institution #3 from Card A
                    4.  Institution #4 from Card A
                    5.  Institution #5 from Card A
                    6.  Institution #6 from Card A
                   11.  Commercial bank; "trust company"
                   12.  Savings & loan association or savings bank
                   13.  Credit union
                   14.  Finance or loan company
                   15.  Store or dealer
                   16.  Brokerage company; "mutual fund"--NFS
                   17.  Insurance company
                   18.  Mortgage company
                   19.  Contractor or developer
                   20.  Prior owner
                   21.  Automobile finance company; GMAC; Ford CDT
                   22.  Doctor or hospital; dentist
                   23.  Lawyer
                   24.  Accountant
                   25.  Employer
                   26.  Friend or relative (not codeable above)
                   27.  Individual lender (not codeable above)
                   31.  Real estate (investment) company
                   32.  School/college/university
                   33.  Local/county/state government (exc. 42)
                   34.  Special federal government agency: FMHA; SBA; VA;
                        FHA; HUD; NDSL
                   35.  Federal government general or NA agency; IRS
                   37.  (83=K22b only; 89=N45 only) Self/spouse (manages
                        own trust)
                   38.  Bank or general purpose credit card company: VISA;
                        Carte Blanche; MasterCard (except American Express, 
                        code 51)
                   39.  Union
                   40.  Church
                   41.  AARP (American Association of Retired Persons)
                   42.  Courts
                   50.  (Sears)/Discover Card (V415-418 only) (Code "Sears"
                        mention in 15)
                   51.  American Express/Optima Card
                   61.  Other membership organization: AAA; NEA; NTA
                        (V415-418 only)
                   92.  Money market (mutual) funds, NFS
                   93.  Farm related lenders, not codeable above or NA if
                        membership group or government agency
                   94.  Investment/management companies or consultants--NEC
                   95.  Non-financial institution (exc. 40-42, 61)
                   -1.  Combinations of types of financial institutions
                   -7.  OTHER

***************************************************************************
            code to collapse institution cells
***************************************************************************

 ARRAY INST1 {*} X308 X312 X316 X320 X324 X328;
 DO I=1 TO DIM(INST1);
    IF (INST1{I}=15 OR INST1{I}=19 OR INST1{I}=32 OR INST1{I}=40) THEN DO;
             INST1{I}=-7;
    END;
 END;
 ARRAY INST2 {*} X415 X416 X417 X418;
 DO I=1 TO DIM(INST2);
    IF (INST2{I}=32 OR INST2{I}=92) THEN DO;
             INST2{I}=-7;
    END;
 END;
 ARRAY INST3 {*} X817 X917 X1017 X1046;
 DO I=1 TO DIM(INST3);
    IF (INST3{I}=13 OR INST3{I}=15 OR INST3{I}=32 OR INST3{I}=94) THEN DO;
             INST3{I}=-7;
    END;
 END;
 ARRAY INST4 {*} X1112 X1123 X1134;
 DO I=1 TO DIM(INST4);
    IF (INST4{I}=34) THEN DO;
             INST4{I}=-7;
    END;
 END;
 IF (X1217=13 OR X1217=27) THEN X1217=-7;
 ARRAY INST6 {*} X1728 X1828 X1928;
 DO I=1 TO DIM(INST6);
    IF (INST6{I}=13 OR INST6{I}=31 OR INST6{I}=32 OR INST6{I}=35
                                                  OR INST6{I}=94) THEN DO;
             INST6{I}=-7;
    END;
 END;
 ARRAY INST7 {*} X2220 X2320 X2420 X2521 X2621;
 DO I=1 TO DIM(INST7);
    IF (INST7{I}=18 OR INST7{I}=20 OR INST7{I}=39) THEN DO;
             INST7{I}=-7;
    END;
 END;
 ARRAY INST8 {*} X2725 X2742 X2825 X2842 X2925 X2942;
 DO I=1 TO DIM(INST8);
    IF (INST8{I}=20 OR INST8{I}=25 OR INST8{I}=42 OR INST8{I}=61
                                                  OR INST8{I}=93) THEN DO;
             INST8{I}=-7;
    END;
 END;
 ARRAY INST9 {*} X3505 X3509 X3513 X3517 X3521 X3525;
 DO I=1 TO DIM(INST9);
    IF (INST9{I}=25 OR INST9{I}=92) THEN DO;
             INST9{I}=-7;
    END;
 END;
 ARRAY INST10 {*} X3606 X3607 X3608 X3609 X3616 X3617 X3618 X3619
                 X3626 X3627 X3628 X3629;
 DO I=1 TO DIM(INST10);
    IF (INST10{I}=40 OR INST10{I}=93) THEN DO;
             INST10{I}=-7;
    END;
 END;
 ARRAY INST11 {*} X3705 X3710 X3715;
 DO I=1 TO DIM(INST11);
    IF (INST11{I}=61) THEN DO;
             INST11{I}=-7;
    END;
 END;
 ARRAY INST12 {*} X3722 X3723 X3724 X3725;
 DO I=1 TO DIM(INST12);
    IF (INST12{I}=17 OR INST12{I}=94) THEN DO;
             INST12{I}=-7;
    END;
 END;
 ARRAY INST13 {*} X3803 X3806 X3809 X3812 X3815;
 DO I=1 TO DIM(INST13);
    IF (INST13{I}=17 OR INST13{I}=92 OR INST13{I}=93) THEN DO;
             INST13{I}=-7;
    END;
 END;
 ARRAY INST15 {*} X3943 X3944 X3945 X3946;
 DO I=1 TO DIM(INST15);
    IF (INST15{I}=12 OR INST15{I}=31 OR INST15{I}=33 OR INST15{I}=34 
                        OR INST15{I}=35 OR INST15{I}=61) THEN DO;
             INST15{I}=-7;
    END;
 END;
***************************************************************************

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

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

                   51.  OVER 50 MILES
                   -1.  LESS THAN A MILE
                   -7.  LOCAL PHONE OR POST BOX
                    0.  Inap. (No institutions listed, no further
                        institutions)

-----------------------------------------------------------------------------
CREDIT CARDS
-----------------------------------------------------------------------------

410        B5.    Now I have some questions about credit cards.  Do you (or
                   anyone in your family living here) have any credit cards?  

                   1.  YES
                   5.  NO

                   TYPES OF CREDIT CARDS
                   #1: bank-type cards
                   #2: store cards
                   #3: gasoline cards
                   #4: general purpose cards
                   #5: other types of cards

411 (#1)    B6-A.  How many different (TYPE) credit card accounts such
419 (#2)           as (EXAMPLES) do you (and your family living here) have?
422 (#3)           (READ ONCE:  Please do not count duplicate cards for the
425 (#4)           same account or any business or company accounts.)         
428 (#5)

                   Code # ACCTS
                   -1.  NONE
                    0.  Inap. (No credit cards)
                    For the public use dataset, the number of credit cards
                    is top-coded at 20.

412 (#1)    B7-A.  During the last month, roughly how much were the new
420 (#2)           charges made to (this/all these) (TYPE) account(s)?   
423 (#3)
426 (#4)
429 (#5)
                   Code $ amount
                   -1.  NONE
                    0.  Inap. (No credit cards, no TYPE cards)

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

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

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

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

                   Code up to 4 mentions
                   See FINANCIAL INSTITUTIONS master reference list
                    0.  Inap. (No credit cards, no bank-type cards, no
                        additional institutions)

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

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

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

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

501         D1.    INTERVIEWER CHECKPOINT                                     
                   1.  R LIVES ON A RANCH OR FARM
                   2.  R LIVES IN A MOBILE HOME
                   3.  ALL OTHERS

R LIVES ON FARM/RANCH

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

                   Code ACRES
                   For the public use dataset, the number of acres is
                   top-coded at 50000, and rounded to the nearest 5.
                   0.  Inap. (Does not live on a farm)

503         D3.    Do you (or anyone in your family living here) operate a
                   farming or ranching business on this property?             

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

504        D3a.   Do you (or anyone in your family living here) rent out any
                  part of this property to others?                           

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

505         D3b.   How much rent do you collect each month?--$ AMOUNT         

                   Code actual amount
                   -7.  Other; non-cash rent
                    0.  Inap. (Does not live on a farm, farm business,
                        no rent)

506         D3b.   PER                                                        

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

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

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

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

                   1.  OWNS ALL
                   2.  OWNS PART
                   3.  RENTS
                   4.  OWNED BY A BUSINESS
                  -7.  OTHER
                   0.  Inap. (Does not live on a farm, no farm business)

R OWNS ENTIRE FARM

509        D5a.   Does the (farming/ranching) business pay any rent for the
                   use of the property?                                       

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

510         D5b.   How much rent do you (or your family living here) collect
                   each month?--$ AMOUNT                                      

                   Code actual amount
                   -7.  Other; not-cash rent
                    0.  Inap. (Does not live on a farm, no farm business,
                        does not own entire farm, business does not
                        pay rent)

511         D5b.   PER                                                        

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

512         D5c.   Could you tell me the present value of this house and the
                   immediately surrounding land?  I mean, about what would it
                   bring if it were sold today?                               

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

513         D5d.   I will ask you more about the business operation later. 
                   The rest of the questions in this section will refer to
                   the entire property.  Could you tell me the present value
                   of this entire property--that is, what would it bring if
                   it were sold today?                                        

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

FARM OWNED BY A BUSINESS

514        D5e.   Do you (or your family living here) pay the business any
                  rent for this house?                                       

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

515         D5f.   In what month and year did you move into this
                   (farm/ranch)?--MONTH                                       

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

516         D5f.   In what month and year did you move into this
                   (farm/ranch)?--YEAR                                        

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

R OWNS PART OF FARM/RANCH

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

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

518         D6a.   How much rent do you (or your family living here) collect
                   each month?                                                

                   Code actual amount
                   -7.  Other
                    0.  Inap. (Does not live on a farm, no farm business,
                        does not own part of farm, farm does not pay rent)

519        D6a.   PER                                                        

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

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

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

521         D7a.   How much rent do you (or your family living here) pay each
                   month?                                                     

                   Code actual amount
                   -7.  Other
                    0.  Inap. (Does not live on a farm, no farm business,
                        does not own part of farm, does not pay rent)

522         D7a.   PER                                                        

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

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

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

524         D9.    Do you (or anyone in your family living here) own this
                   house and the immediately surrounding land?                

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

525         D9a.   Could you tell me the present value of just this house and
                   lot?  I mean, about what would it bring if it were sold
                   today?                                                     

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

526         D10.   Could you tell me the present value of the entire part of
                   the property you own?  I mean, what would it bring if it
                   were sold today?                                           

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

R LIVES IN MOBILE HOME

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

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

R OWNS ONLY SITE

602        D11a.  About how much rent do you pay on this home each month?    

                   Code actual amount
                   -1.  Nothing; zero
                   -7.  Other
                    0.  Inap. (Does not liven in mobile home, other
                        than owns only site of mobile home)

603         D11a.  PER                                                        

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

604        D11b.  Could you tell me the present value of the site?  I mean,
                   about what would it bring if it were sold today?           

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

605         D11c.  In what month and year was this site purchased?--MONTH     

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

606         D11c.  In what month and year was this site purchased?--YEAR      

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

607        D11d.  How much did this site cost when it was purchased?         

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

608         D11d.  GIFT/INHERITANCE                                           

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

R NEITHER OWNS NOR RENTS MOBILE HOME

609         D11e.  How is that?                                               

                    1.   Housing is part of job compensation; live-in
                         servant; housekeeper; gardener; farm laborer
                    2.   Housing is a gift paid for by someone outside HU;
                         owned by relative outside HU; R pays only taxes
                    3.   Sold home, has not moved yet
                    4.   Living in house which will inherit; estate in
                         process
                    5.   Living in temporary quarters (garage, shed) while
                         home is under construction
                   -7.  Other
                    0.  Inap. (Does not liven in mobile home, owns or
                        rents mobile home)

610         D11f.  In what month and year did you move into this mobile home?
                   --MONTH                                                    

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

611         D11f.  In what month and year did you move into this mobile home?
                   --YEAR                                                     

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

R OWNS ONLY MOBILE HOME

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

                   Code actual amount
                   -1.  Zero; pays no rent
                   -7.  Other
                    0.  Inap. (Does not liven in mobile home, other
                        than owns only mobile home)

613         D12.   PER                                                        

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

614        D12a.  Could you tell me the present value of this mobile home? 
                   I mean, about what would it bring if it were sold today?   

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

615         D12b.  In what month and year was this mobile home purchased?
                   --MONTH                                                    

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

616         D12b.  In what month and year was this mobile home purchased?
                   --YEAR                                                     

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

617        D12c.  How much did this mobile home cost when it was purchased?  

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

618         D12c.  GIFT/INHERITANCE                                           

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

R RENTS MOBILE HOME AND SITE

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

                   Code actual amount
                   -7.  Other
                    0.  Inap. (Does not liven in mobile home, does
                        not rent mobile home and site)

620         D13.   PER                                                        

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

621        D13a.  In what month and year did you move into this mobile home?
                   --MONTH                                                    

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

622         D13a.  In what month and year did you move into this mobile home?
                   --YEAR                                                     

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

R OWNS BOTH MOBILE HOME AND SITE

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

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

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

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

625         D15a.  In what month and year was this mobile home purchased?
                   --MONTH                                                    

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

626         D15a.  In what month and year was this mobile home purchased?
                   --YEAR                                                     

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

627        D15b.  How much did the mobile home cost when it was purchased?   

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

628         D15b.  GIFT/INHERITANCE                                           

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

629         D15c.  In what month and year was this site purchased?--MONTH     

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

630        D15c.  In what month and year was this site purchased?--YEAR      

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

631         D15d.  How much did this site cost when it was purchased?         

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

632         D15d.  GIFT/INHERITANCE                                           

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

633        D15e.  In what month and year was this mobile home and site
                   purchased?--MONTH                                          

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

634         D15e.  In what month and year was this mobile home and site
                   purchased?--YEAR                                           

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

635         D15f.  How much did the mobile home and site cost when they were
                   purchased?                                                 

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

636        D15f.  GIFT/INHERITANCE                                           

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

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

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

703        D16b.  How much are your condo/co-op/townhouse association) fees?

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

704         D16b.  PER                                                        

                   2.  Week
                   3.  Biweekly
                   4.  Month
                   5.  Quarter
                   6.  Year
                  -7.  Other
                   0.  Inap. (Lives on farm run as business,
                       lives in mobile home, house not condo/co-op/townhouse)

R NEITHER OWNS NOR RENTS

705        D16c.  How is that?                                               

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

706         D16d.  In what month and year did you move into this home?--MONTH

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

707         D16d.  In what month and year did you move into this home?--YEAR  

                   Code YEAR
                   0.  Inap. (Lives on farm run as business,
                       lives in mobile home, owns or rents house)
                   For the public use dataset, the year is rounded to the
                   nearest 5.

R PAYS RENT

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

                   Code actual amount
                   -2.  Rental housing fully subsidized
                   -1.  Tenant farmer and rent not given in dollars
                    0.  Inap. (Lives on farm run as business and does
                        not rent farm, lives in mobile home, does not
                        rent house)

709         D17.   PER                                                        

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

710        D17a.  Does that include some or all utilities?                   
              
                   1.  YES, ALL
                   3.  YES, SOME
                   5.  NO
                   0.  Inap. (Lives on farm run as business and does
                       not rent farm, lives in mobile home, does not
                       rent house)

711         D17b.  Do you rent it furnished or unfurnished?                   
            

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

712         D17c.  In what month and year did you move into this (house/
                   apartment/farm/ranch)?--MONTH                              

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

713        D17c.  In what month and year did you move into this (house/
                   apartment/farm/ranch)?--YEAR                               

                   Code YEAR
                   0.  Inap. (Lives on farm run as business and does
                       not rent farm, lives in mobile home, does not
                       rent house)
                   For the public use dataset, the year is rounded to the
                   nearest 5.

R LIVES IN MULTIPLE HU STRUCTURE

702         D16a.  INTERVIEWER CHECKPOINT: OBSERVATION                        

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

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

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

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

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

ALL HOMEOWNERS EXCEPT MOBILE HOMES/FARMS OWNED BY A BUSINESS

716        D19.   What is the present value of this (home and land/
                  apartment/property)?  I mean, about what would it bring if
                  it were sold today?
                  (IWER:  PROPERTY REFERS TO WHATEVER PART R OWNS OF THEIR
                  HOUSE AND LOT, APARTMENT, BUILDING, FARM, RANCH, MOBILE
                  HOME, AND SITE.)                                           

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

717         D20.   How much did it cost when it was purchased?                

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

718         D20.   GIFT/INHERITANCE                                           

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

719         D21.   In what month and year was it purchased?--MONTH            

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

720         D21.   In what month and year was it purchased?--YEAR             

                   Code YEAR
                   0.  Inap. (Lives on farm owned by a business, rents
                       farm, lives in mobile home, does not own house)
                   For the public use dataset, the year is rounded to the
                   nearest 5.

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

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

722        D22.   PER                                                        

                   2.  Week
                   3.  Biweekly
                   4.  Month
                   5.  Quarter
                   6.  Year
                  -7.  Other
                   0.  Inap. (Lives on farm owned by a business, rents
                       farm, lives in mobile home, does not own house)

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

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

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

830(2)      D40.   Do you have a second mortgage or a land contract on this
                   property?  (Please do not include any home equity lines of
                   credit.)                                                   

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

931(3)      D40a.  Do you have any other loans that use this property as
                   collateral?  (Please do not include any home equity lines
                   of credit.)                                                

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

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

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

725         D24a.  Does this mortgage carry any type of private mortgage
                   insurance or PMI against default?  (IF R ASKS: DO NOT
                   INCLUDE MORTGAGE LIFE INSURANCE.)                          

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

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

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

727       D26.   Why did you choose this type of loan?                      
728
                   CREDIT TERMS/COST OF LOAN

                    1.   Interest rate--low(er)/reasonable/best available
                         rates
                    4.   Finance charges low(er) or none (other than interest
                         or NA if includes interest)
                    5.   Amount of the down payment
                    6.   Size of (monthly) payments; payment amount; longer
                         contracts--more time to pay off loan
                    9.   Easier to get credit--require less information/
                         collateral; less stringent rules for giving credit;
                         get credit approval faster; no red tape
                   25.   Credit terms/arrangements--NA what; "affordable
                         terms"
                   26.   Give the best (a better) deal--NA how
                   29.   Other credit terms or cost of loan
                   CHARACTERISTICS OF CREDIT INSTITUTION
                   31.   Good reputation--reputable, well known; honest;
                         stable; reliable; experienced; professional
                   41.   Availability of credit: "they would lend me the
                         money"; "I could qualify for a loan"; "only place I
                         could get a loan"; was eligible; qualified; a
                         veteran (VA loan)
                   49.   Other characteristics of credit institution
                   MISCELLANEOUS
                   80.   No choice; only source/lender/institution (not 41);
                         "only place in town"
                   81.   Familiarity; R has previous/good experience dealing
                         with institution; has (other) accounts there, been
                         treated well/fairly in past; am a credit union
                         member
                   83.   Recommended or arranged by dealer/store/contractor/
                         realtor
                   84.   Recommended by others
                   88.   Convenient/Easy--n.e.c.
                   90.   Reason for lender choice related to item
                         purchased-- "assumed mortgage" (i.e., lender choice
                         already made when R chose this house) (low priority)
                   91.   Like/Trust them--NA why
                   -7.   Other 
                    0.   Inap. (Not homeowner, no loan, 1st loan is
                         land contract, not FHA/VA loan)

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

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

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

                   Code YEAR
                   0.  Inap. (Not homeowner, no loan, no further loans)
                   For the public use dataset, the year for the first
                   variable  is bottom-coded at 1955.

803(1)     D27a.  Was this (mortgage/land contract) assumed from the
903(2)             previous owner?                                            

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

804(1)      D28.   How much was borrowed or refinanced?                       
904(2)
1004(3)

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

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

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

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

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

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

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

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

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

                   Code actual amount
                   -1.  NO REG. PAYMENTS
                    0.  Inap. (Not homeowner, no loan, no further loans,
                        no set # payments)

809(1)     D31.   PER                                                        
909(2)
1009(3)
                   2.  Week
                   3.  Biweekly
                   4.  Month
                   5.  Quarter
                   6.  Year
                  -7.  Other
                   0.  Inap. (Not homeowner, no loan, no further loans,
                       no set # payments)

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

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

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

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

812(1)      D33a.  What will the balance due or balloon payment be?           
912(2)
1012(3)

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

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

                   Code actual amount

                   -1.  NO TYPICAL PAYMENTS
                    0.  Inap. (Not homeowner; no loan; no further loans;
                        set number of payments and regular payments)

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

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

815(1)     D34a.  When do you expect this loan to be repaid?                 
915(2)
1015(3)
                   Code YEAR
                   -1.  NEVER; won't ever be repaid
                    0.  Inap. (Not homeowner; no loan; no further loans;
                        set number of payments and regular payments)

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

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

817(1)     D36.   Please look at Card A. Is the loan with any of the
917(2)             institutions on Card A, or from someplace else? (IF CARD
1017(3)            A: Which institution?)  (IF SOMEPLACE ELSE:  What type of
                   institution is that?)                                      

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

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

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

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

                    1.   RECOMMENDED
                    2.   LOW INTEREST
                    3.   LOCATION
                    4.   OTHER BUSINESS
                    5.   EASY TO QUALIFY; only place that would give us a
                         loan
                    6.   Many services at one location
                    7.   Low fees/service charges
                    8.   Safety
                    9.   Other convenience mentions: payroll deduction
                         feature; "convenience"--NFS
                   11.   Personal relationship; they know me; know/like them
                   21.   No choice--assumed existing debt and lender from
                         previous owner
                   22.   No choice--financed through contractor/developer/
                         prev. owner/builder and this was their financial
                         institution
                   23.   No choice--mortgage sold/transferred
                   -7.   OTHER including combinations
                    0.   Inap. (Not homeowner, no loan)

820(1)     D39.   (Not using the booklet) Is this an adjustable rate
920(2)             (mortgage/loan); that is, does it have an interest rate
1020(3)            that can rise or fall from time time?                      

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

821(1)      D39a.  Does the change in your interest rate depend on some other
                   interest rate?                                             

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

822(1)     D39b.  On what other rate does it depend?                         

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

823(1)      D39c.  How often can your interest rate change?                   
            

                   Code number of times

                   7.  Seven times or more
                   0.  Inap. (Not homeowner, no loan, not adjustable rate)

824(1)      D39c.  PER                                                        

                   1.  Once per 2 years
                   2.  Once per 3 years
                   3.  Once per 5 years
                   4.  Month
                   5.  Quarter
                   6.  Year
                   8.  Lump sum/one payment only/in total
                  -7.  Other
                   0.  Inap. (Not homeowner, no loan, not adjustable rate)

825(1)      D39d.  When the interest rate changes, will the size of your
                   monthly payments change at the same time?                  

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

826(1)     D39e.  What is the most the rate can rise at any one time?
                   (POINTS = PERCENTAGE POINTS)                               

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

827(1)      D39f.  What is the highest the rate can go over the life of the
                   loan?                                                      

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

828(1)      D39g.  What was the interest rate on this mortgage when you first
                   got it?                                                    

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

829(1)     D39m.  Is this a convertible mortgage; that is do you have an
                   option to convert it to a mortgage with a fixed interest
                   rate?                                                      

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

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

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

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

                   1.  YES
                   5.  NO

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

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

1302        D68a.  Altogether, what is the maximum amount you could borrow on
                   these lines of credit? (ASKED FOR NON-HOMEOWNERS;
                   INFERRED FOR HOMEOWNERS)

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

1303       D68b.  Are you currently borrowing any money against such lines
                  of credit? (ASKED OF NON-HOMEOWNERS; INFERRED FOR
                  HOMEOWNERS)

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

1308        D68d.  How many such lines of credit are you currently borrowing
                   against? ASKED OF NON-HOMEOWNERS; INFERRED FOR HOMEOWNERS)

                   Code # LINES OF CREDIT (LOC)
                   0.  Inap. (No lines of credit, not borrowing)

1103 (#1)   D53a.  Is (this/the largest/next) line of credit secured by the 
1114 (#2)          equity in your home?                                       
1125 (#3)

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

1104        D53b.  What is the maximum amount you could borrow on this line 
1115               of credit?                                                 
1126

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

1105        D53c.  Are you currently borrowing any money against this line of
1116               credit? (AKSED FOR HOMEOWNERS; INFERRED FOR NON-HOMEOWNERS)
1127
                   1.  YES
                   5.  NO
                   0.  Inap. (No lines of credit, no further lines of credit)

1106 (#1a)  D53d.  What was the money used for?  (What was its major use?)
1107 (#1b)         (ASKED FOR HOMEOWNERS)
1117 (#2a)  D70.   What was the (largest/next) line of credit used for?
1118 (#2b)         (What was its major purpose?) (ASKED FOR NON-HOMEOWNERS)
1128 (#3a)
1129 (#3b)
                   Use LOAN PURPOSE Master Code, except:
                   0.  Inap. (No lines of credit, not borrowing, no
                       further lines of credit)

1108        D53e./D71.  How much is currently owed?
1119
1130               Code actual amount
                   0.  Inap. (No lines of credit, not borrowing, no
                       further lines of credit)

1109        D53f./D72.  What is the typical payment and how often is it made?
1120
1131               Code actual amount      
                   -1.  NO TYPICAL PAYMENTS
                    0.  Inap. (No lines of credit, not borrowing, no
                        further lines of credit)
    

1110       D53f./D72.  PER
1121
1132                   2.  Week        
                       3.  Biweekly    
                       4.  Month       
                       5.  Quarter     
                       6.  Year        
                      -7.  Other       
                       0.  Inap. (No lines of credit, not borrowing, no
                           further lines of credit)

1111        D53g./D73.  What is the current annual rate of interest being
1122               charged on this loan?
1133
                   Code %
                   0.  Inap. (No lines of credit, not borrowing, no
                       further lines of credit)

1112       D53h./D74.  (Please look at Card A.) Is this line of credit with
1123               any of the institutions on Card A, or from someplace else?
1134               (IF CARD A: Which institution?)
????               (IF SOMEPLACE ELSE: What type of institution is that?
                   (ASKED OF RESPONDENTS WHO WERE HOMEHOWNERS WHO WERE
                   BORROWING ON LINE OF CREDIT)
            D68c.  (Please look at Card A.)  Are these lines of credit with
                   any of the institutions on Card A, or from someplace else?
                   (CHECK ALL THAT APPLY.)
                   (IF CARD A: Which institutions?)
                   (IF SOMEPLACE ELSE: What types of institutions are they?   
                   (ASKED OF NON-HOMEOWNERS WHO WERE NOT BORROWING ON
                   ANY LINES OF CREDIT)

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

9087       R:       Type of institution
9088
9089
8096 (4th possibility at D68c)

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

1136       D53m./D76.  What is the total amount that you (and your family
                   living here) currently owe on all other remaining lines of
                   credit?                                                    

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

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

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

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

1202        D54a.  Roughly what was the total cost of all such major
                   additions or remodeling?                                   

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

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

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

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

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

1224       D67a.  How much rent do you collect each month?                   

                   Code actual amount
                   -7.  Other
                    0.  Inap. (Not homeowner, lives on farm or ranch,
                        no rent)

1225        D67a.  PER                                                        

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

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

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

                   1.  YES
                   5.  NO

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

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

1403        E2a.   Altogether, on how many such loans (are you/is your
                   family) owed money?                                        

                   Code # NOTES/LAND CONTRACTS/MORTGAGES 

                   95.  95 or more
                    0.  Inap. (Never sold real estate, no money still owed)
                   For the public use dataset, the number of such loans
                   is top-coded at 20.

LOAN/LAND CONTRACT

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

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

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

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

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

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

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

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

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

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

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

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

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

                   Code actual amount

                   -1.  NO REGULAR PAYMENTS
                    0.  Inap. (Never sold real estate, no money still
                       owed, no other loan, type of loan is note)

1411        E8.    PER                                                        
1511
1611
                   2.  Week
                   3.  Biweekly
                   4.  Month
                   5.  Quarter
                   6.  Year
                  -7.  Other
                   9.  NA
                   0.  Inap. (Never sold real estate, no money still
                       owed, no other loan, type of loan is note, no
                       regular payments)

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

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

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

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

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

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

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

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

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

1417        E11a.  How much do you still owe?                                 
1517
1617

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

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

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

1620       E13a.  Do you (or your family here) still owe any money on loans
                   for these other properties?

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

1621        E13b.  Altogether how much (do you/does your family) still owe?   

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

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

1700        E14.   Do you (or anyone in your family living here) own any
                   (other) real estate such as a lot, vacation home,
                   apartment building, commercial property, including
                   properties owned in partnership with other people?  (IF
                   YES SAY:  We do not want to include any property owned by
                   a business that you have an interest in, or any limited
                   partnerships.)                                             

                   1.  YES
                   5.  NO

1701        E15.   How many such properties do you (and your family living
                   here) own or have an interest in?                          

                   Code # PROPERTIES
                    0.  Inap. (No property)
                   For the public use dataset, the number of such properties
                   is top-coded at 20.

1702       E16.   EDITOR PRECODE--BUSINESS/JOB CONNECTION                    
1802
1902

                  1.    This property associated with Bus #1 at M5a
                  2.     "     "          "       "   Bus #2 "   "
                  3.     "     "          "       "   Bus #3 "   "
                  4.    This property is associated with business listed at
                         M5a, BUT it is a) a business beyond #3 (at M19a-c)
                         or (b) associated with more than one M5a business or
                         (c) NA which business
                   5.    Property not associated with a business at M5a-M19c
                         or a property at E2
                   6.    This property is associated with R's main job (at R2
                         or R14)
                   7.    This property is associated with S/P's main job (at
                         S2 or S14)
                   0.    Inap. (No property, no additional property)

1703        E16.   (About the [largest/next] property..)  What type of
1803               property is this?                                          
1903

                   LOTS/LAND

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

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

                   1.  OWNED BY R
                   2.  OWNED JOINTLY
                   3.  PARTNERSHIP
                   4.  REAL ESTATE INVEST TRUST
                   5.  Limited partnership
                  -7.  OTHER including combinations
                   0.  Inap. (No property, no additional property)

1705        E17a.  What percentage of the property do you (and your family
1805               living here) own?                                          
1905
                   (SET TO 10000 WHEN E17=1)

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

1706       E18.   How much in total is this property worth; I mean what
1806               would it bring if it were sold today?  (WE WANT THE TOTAL
1906               VALUE NOT JUST R'S SHARE. FOR E18-E29, NOTE IF R ONLY
                   KNOWS THEIR SHARE.)                                        

                   Code actual amount
                   0.  Inap. (No property, no additional property)

1707        E19.   In what month and year was the property acquired?  (When
1807               did R acquire it?)--MONTH                                  
1907
                   Code MONTH
                   0.  Inap. (No property, no additional property)

1708        E19.   In what month and year was the property acquired?  (When
1808               did R acquire it?)--YEAR                                   
1908
                   Code YEAR
                   0.  Inap. (No property, no additional property)
                   For the public use dataset, the year is rounded to the
                   nearest 5.

1709       E20.   What was the total purchase price?                         
1809
1909
                   Code actual amount
                   0.  Inap. (No property, no additional property)

1710        E20.   GIFT/INHERITANCE                                           
1810
1910

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

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

1712       E22.   In what month and year was the loan obtained or last
1812               refinanced?--MONTH                                         
1912
                   Code MONTH
                   0.  Inap. (No property, no additional property, no loan)

1713        E22.   In what month and year was the loan obtained or last
1813               refinanced?--YEAR                                          
1913
                   Code YEAR
                   0.  Inap. (No property, no additional property, no loan)

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

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

1716        E25.   How many years or number of payments were agreed upon when
1816               the loan was taken out?--# YEARS                           
1916

                   Code # YEARS
                   -1.  NO SET NUMBER
                    0.  Inap. (No property, no additional property, no loan)

1717        E25.   How many years or number of payments were agreed upon when
1817               the loan was taken out?--# PAYMENTS                        
1917
                   Code # PAYMENTS
                   -1.  NO SET NUMBER
                    0.  Inap. (No property, no additional property, no loan)

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

1718       E26.   How much are the payments and how often are they due?      
1818
1918
                   Code actual amount
                   -1.  NO REGULAR PAYMENTS
                    0.  Inap. (No property, no additional property,
                        no loan, no set # or payments)

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

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

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

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

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

1722        E28a.  What will the balance due or balloon payment be?           
1822
1922
                   Code actual amount
                   0.  Inap. (No property, no additional property,
                       no loan, no set # or payments, no regular
                       payments, no balloon)

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

                   -1.  NO TYPICAL PAYMENTS
                    0.  Inap. (No property; no additional property;
                        no loan; number of payments not "NO SET #"
                        and payments not "NO REGULAR PAYMENTS")

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

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

                   Code YEAR

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

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

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

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

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

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

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

1729        E34.   Did (you/your family living here) receive any income from
1829               this property in 1988?                                     
1929

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

1730        E34a.  How much gross income did (you/your family) receive?       
1830
1930
                   Code actual amount

                    0.  Inap. (No property, no additional properties,
                        no income)

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

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

2002        E36a.  How much in total is your (family's) share of these
                   vacation homes or recreational property worth?             

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

2003       E36b.  What was your (family's) total purchase price for these
                   properties?                                                

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

2004        E36b.  GIFT/INHERITANCE                                           

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

2005        E36c.  Are there any mortgages or loans outstanding against these
                   vacation homes or recreational land?                       

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

2006       E36d.  Altogether, about how much is owed on your (family's)
                   share of these mortgages or loans?                         

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

2007        E36e.  How much are the payments on these loans or mortgages and
                   how often are they due?                                    

                   Code actual amount
                   -1.  NO REGULAR PAYMENT
                    0.  Inap. (3 or fewer properties, no recreational
                       properties, no mortgage)

2008       E36e.  PER                                                        

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

2009        E36f.  Did you (or your family living here) receive any income in
                   1988 from renting out these vacation homes or recreational
                   land?                                                      

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

2010       E36g.  Altogether, how much gross income did (you/your family)
                   receive?                                                   

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

2011        E36h.  Are there any remaining properties you own that you have
                   not told me details about?
            
                   (ASKED DIRECTLY WHERE >=4 PROPERTIES AND E36=YES,
                   INFERRED OTHERWISE FOR ALL HAVING >=4 PROPERTIES)

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

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

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

2013        E37a.  About how much was your (family's) total purchase price
                   for these properties?                                      

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

2014        E37a.  GIFT/INHERITANCE                                           

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

2015        E37b.  Are there mortgages or loans outstanding against these
                   properties?                                                

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

2016       E37c.  Altogether, about how much is owed on your (family's)
                   share of these mortgages or loans?                         

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

2017        E37d.  How much are the payments on these loans or mortgages and
                   how often are they due?                                    

                   Code actual amount
                   -1.  NO REGULAR PAYMENT
                    0.  Inap. (3 or fewer properties, no remaining
                       properties, no mortgage)

2018       E37d.  PER                                                        

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

2019        E37e.  Did you (or your family living here) receive any income in
                   1988 from renting out any of these other properties?       

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

2020        E37f.  Altogether, how much gross income did (you/your family)
                   receive in 1988?                                           

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

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

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

                   1.  YES
                   5.  NO

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

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

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

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

2104       G4.    What model year is it?
2111
                   Code YEAR
                   0.  Inap. (No leased vehicles)

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

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

                   Code $ amount
                   -1.  NONE
                    0.  Inap. (No leased vehicles)

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

2107       G5a.   How many years or months was the original lease?
2114              (YRS)

                   Code YRS
                   0.  Inap. (No leased vehicles)

2108        G5a.   How many years or months was the original lease?
2115               (MOS)                                                   

                   Code MOS
                   0.  Inap. (No leased vehicles)

2117        G6a.   Altogether, about how much per month are the lease
                   payments on your other leased vehicle(s)?                  

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

2118        G6a.   PER                                                        

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

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

                   1.  YES
                   5.  NO

2202        G7a.   Altogether, how many such cars or other vehicles do you
                   (and your family living here) own?                         

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

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

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

2205        G10.   What model year is it?                                     
2305
2405
                   Code YEAR
                   0.  Inap. (No owned vehicles)
                   For the public use dataset, the year is rounded to the
                   nearest 5.

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

2422        G23a.  How much (is/are all) the other such vehicle(s) that you
                   (and others in your family living here) own worth in
                   today's prices?                                            

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

FOR LOANS ASSOCIATED WITH VEHICLES, SEE "CONSUMER LOANS"

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

                   1.  YES
                   5.  NO

2502        G24a.  How many such vehicles do you (or someone in your family
                   living here) regularly use?                                

                   Code # BUSINESS VEHICLES
                   0.  Inap. (No business vehicles)
                   For the public use dataset, the number of such vehicles
                   is top-coded at 10.

2503        G25.   Do you (or anyone in your family here) own any other
                   vehicles such as a motorhome, RV, boat, or airplane?       

                   1.  YES
                   5.  NO
                 

2504       G25a.  Altogether, how many of these other vehicles do you (and
                   your family living here) own?                              

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

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

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

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

2623        G39a.  How much (is/are all) the other such vehicle(s) that you
                   (and others in your family living here) own worth?         

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

FOR LOANS ASSOCIATED WITH VEHICLES, SEE "CONSUMER LOANS"

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

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

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

            H1.    Not counting credit cards or loans you have already told
                   me about, do you (and your family living here) owe any
                   money on loans for:
            H1a.   ..household appliances, furniture, or hobby or
                   recreational equipment?                                    
            H1b.   ..loans for educational expenses or medical bills?         
            H1c.   ..loans from friends or relatives?                         
            H1d.   ..any other loans? (IF R ASKS: INCLUDE CHECKING ACCOUNT
                   OVERDRAFTS. DO NOT INCLUDE LIFE INS. POLICY LOANS.)        

                   1.  YES
                   5.  NO

            H2a.   FOR EACH "YES", ASK: How many such loans do you have?      
    
                   Code #
                   0.  Inap.

2709        H3.    IWER CHECKPOINT:  ADD TOTAL NUMBER OF LOANS FROM H2a - H2d

                   Code TOTAL #                                               
                   -1.  NONE
                   For the public use dataset, the number of loans in
                   top-coded at 20.

2710(1a)    H4.    What was (this/the largest/the next) loan for?--LOAN #1    
2711(1b)
2727(2a)
2728(2b)
2810(3a)
2811(3b)
2827(4a)
2828(4b)
2910(5a)
2911(5b)
2927(6a)
2928(6b)

       For the public use dataset, different loan purpose cells are
       collapsed for different variables.  The SAS code that performs
       this collapsing is given after the master list below. 

                          LOAN PURPOSE MASTER CODE

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

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

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

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

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

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

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

            69.  Other outdoor recreation items; horse

            SAVINGS AND INVESTMENTS

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

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

            79.  Other investments

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

            89.  Other special expenses; encyclopedia; health membership

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

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

***************************************************************************
            code to collapse loan purpose
***************************************************************************
 ARRAY LOAP1 {*} X1106 X1107 X1117 X1118 X1128 X1129;
 ARRAY LOAP2 {*} X2710 X2711 X2727 X2728 X2810 X2811
                 X2827 X2828 X2910 X2911 X2927 X2928;
 ARRAY LOAP3 {*} X5316 X5324 X5332 X5416 X5424 X5432;
 IF (X918=61 OR X918=67 OR X918=75 OR X918=76 OR X918=79 OR
     X918=81 OR X918=88 OR X918=94 OR X918=95) THEN X918=-7;
 IF (X1018=61 OR X1018=67 OR X1018=75 OR X1018=76 OR X1018=79 OR
     X1018=81 OR X1018=88 OR X1018=94 OR X1018=95) THEN X1018=-7;
 DO I=1 TO DIM(LOAP1);
    IF (LOAP1{I}=16 OR LOAP1{I}=17 OR LOAP1{I}=23 OR LOAP1{I}=49 OR
        LOAP1{I}=50 OR LOAP1{I}=61 OR LOAP1{I}=63 OR LOAP1{I}=82 OR
        LOAP1{I}=85 OR LOAP1{I}=88 OR LOAP1{I}=92) THEN
        LOAP1{I}=-7;
 END;
 DO I=1 TO DIM(LOAP2);
    IF (LOAP2{I}=13 OR LOAP2{I}=20 OR LOAP2{I}=26 OR LOAP2{I}=34 OR
        LOAP2{I}=35 OR LOAP2{I}=49 OR LOAP2{I}=61 OR LOAP2{I}=63 OR
        LOAP2{I}=65 OR LOAP2{I}=67 OR LOAP2{I}=69 OR LOAP2{I}=96) THEN
        LOAP2{I}=-7;
 END;
 DO I=1 TO DIM(LOAP3);
    IF (LOAP3{I}=11) THEN LOAP3{I}=2;
 END;
***************************************************************************

1032(7)    D41.    Do you (and your family living here) owe money on any
                   (other) loans used for the purchase of this property, such
                   as loans from relatives or the seller?  (Please do not
                   include any home equity lines of credit.) (OTHER
                   LOANS FOR PURCHASE OF PRINCIPAL RESIDENCE)
1203(8)    D54b.   Other than what I have already recorded, do you (or your
                   family living here) owe any money on loans taken out for
                   these projects? (HOME IMPROVEMENT LOANS)
1218(9)     D65.   Do you owe money on more than one loan for home additions
                   or improvements?                                           
                   (HOME IMPROVEMENT LOANS)
2206(10)    G11.   Not counting any loans I've already recorded, is any money
2306(11)           still owed on loans for this (MAKE/MODEL)?
2406(12)           (OWN VEHICLE GRID)
2423(13)    G23b.  Not counting loans I have already recorded, is any money
                   still owed on loans for (this/these) vehicle(s)? 
                   (LOANS ON OWN VEHICLES BEYOND THE 3RD VEHICLE)
2507(14)    G28.   Not counting any loans I have already recorded, is any
2607(15)           money still owed on loans for this (TYPE OF VEHICLE)?      
                   (OTHER VEHICLE GRID)
2624(16)    G39b.  Not counting loans I have already recorded, is any money
                   still owed on loans for (this/these) vehicle(s)?           
                   (LOANS ON OTHER VEHICLES BEYOND THE 2ND VEHICLE)

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

2712(1)     H5.    In what month and year was this loan taken out?--MONTH     
2729(2)
2812(3)
2829(4)
2912(5)
2929(6)
1033(7)     D42.   In what month and year was this loan taken out?--MONTH     
1204(8)     D55.   In what month and year was the most recent such loan taken
                   out?--MONTH                                                
2207(10)    G13.   In what month and year was the loan taken out?--MONTH      
2307(11)
2407(12)
2508(14)    G29.   In what month and year was the loan taken out?--MONTH      
2608(15)

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

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

2713(1)    H5.    In what month and year was this loan taken out?--YEAR      
2730(2)
2813(3)
2830(4)
2913(5)
2930(6)
1034(7)     D42.   In what month and year was this loan taken out?--YEAR      
1205(8)     D55.   In what month and year was the most recent such loan taken
                   out?--YEAR                                                 
2208(10)    G13.   In what month and year was the loan taken out?--YEAR       
2308(11)
2408(12)
2509(14)    G29.   In what month and year was the loan taken out?--YEAR       
2609(15)
                   (NOTE: NOT ASKED FOR LOANS 9, 13, AND 16)

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

2714(1)     H6.    How much was borrowed or financed, not counting the
2731(2)            finance charges?                                           
2814(3)
2831(4)
2914(5)
2931(6)
1035(7)    D43.   How much was borrowed, not including finance charges?      
1206(8)    D56.   How much was borrowed, not including finance charges?      
2209(10)   G14.   How much was borrowed or financed?                         
2309(11)
2409(12)
2510(14)   G30.   How much was borrowed or financed, not counting the
2610(15)          finance charges?                                           

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

                   Code actual amount
                   0.  Inap. (No loan)

2715(1)     H7.    Is this a regular installment loan where you pay a fixed
2732(2)            dollar amount each month for a fixed number of months
2815(3)            until the loan is repaid, or some other kind?              
2832(4)
2915(5)
2932(6)
1036(7)     D44.   Is this a regular installment loan where you pay a fixed
                   dollar amount each month for a fixed number of months
                   until the loan is repaid, or some other kind?              
1207(8)     D57.   Is this a regular installment loan where you pay a fixed
                   dollar amount each month for a fixed number of months
                   until the loan is repaid, or some other kind?              
2210(10)    G15.   Is this a regular installment loan where you pay a fixed
2310(11)           dollar amount each month for a fixed number of months
2410(12)           until the loan is repaid, or some other kind?              
2511(14)    G31.   Is this a regular installment loan where you pay a fixed
2611(15)           dollar amount each month for a fixed number of months
                   until the loan is repaid, or some other kind?              

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

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

2716(1)    H8.    How many monthly payments or years were agreed upon when
2733(2)           the loan was received?--# PAYMENTS                         
2816(3)
2833(4)
2916(5)
2933(6)
1037(7)     D45.   How many monthly payments or years were agreed upon when
                   the loan was received?--# PAYMENTS                         
1208(8)     D58.   How many monthly payments or years were agreed upon when
                   the loan was received?--# PAYMENTS                         
2211(10)    G16.   How many monthly payments or years were agreed upon when
2311(11)           the loan was received?--# PAYMENTS                         
2411(12)
2512(14)    G32.   How many monthly payments or years were agreed upon when
2612(15)           the loan was received?--# PAYMENTS                         

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

                   Code # PAYMENTS
                    -1.  NO SET #
                     0.  Inap. (No loan, type of loan "OTHER KIND")

2717(1)     H8.    How many monthly payments or years were agreed upon when
2734(2)            the loan was received?--# YEARS                            
2817(3)
2834(4)
2917(5)
2934(6)
1038(7)     D45.   How many monthly payments or years were agreed upon when
                   the loan was received?--# YEARS                            
1209(8)     D58.   How many monthly payments or years were agreed upon when
                   the loan was received?--# YEARS                            
2212(10)    G16.   How many monthly payments or years were agreed upon when
2312(11)           the loan was received?--# YEARS                            
2412(12)
2513(14)    G32.   How many monthly payments or years were agreed upon when
2613(15)           the loan was received?--# YEARS                            

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

                   Code # YEARS
                   0.  Inap. (No loan, type of loan "OTHER KIND")

2718(1)     H9.    How much are the monthly payments?                         
2735(2)
2818(3)
2835(4)
2918(5)
2935(6)
1039(7)     D46.   How much are the monthly payments?
1210(8)     D59.   How much are the monthly payments?                         
1220(9)     D65b.  Altogether, how much are the monthly payments?             
2213(10)    G17.   How much are the monthly payments?                         
2313(11)
2413(12)
2425(13)    G23d.  How much are the total monthly payments on (this/these)
                   loans?                                                     
2514(14)    G33.   How much are the monthly payments?                         
2614(15)
2626(16)    G39d.  How much are the total monthly payments on (this/these)
                   loan(s)?                                                   

                   Code $ amount
                   -1.  NO REGULAR PAYMENTS
                    0.  Inap. (No loan, type of loan "OTHER KIND,"
                        "NO SET # OF PAYMENTS)

1221(9)     D65b.  PER                                                        
2426(13)    G23d.  PER                                                        
2627(16)    G39d.  PER                                                        

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

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

2719(1)    H10.   What is the typical payment and how often is it made?      
2736(2)
2819(3)
2836(4)
2919(5)
2936(6)
1040(7)     D47.   What is the typical payment, and how often is it made?     
1211(8)     D60.   What is the typical payment, and how often is it made?     
2214(10)    G18.   What is the typical payment and how often is it made?      
2314(11)
2414(12)
2515(14)    G34.   What is the typical payment and how often is it made?      
2615(15)

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

                   Code $ amount
                   -1.  NO TYPICAL PAYMENT; no payment being made
                   -2.  Not currently making payments
                    0.  Inap. (No loan; loan "REGULAR INSTALLMENT;"
                        number of payments not "NO SET #" and monthly
                        payments not "NO REGULAR PAYMENTS")

2720(1)     H10.   PER                                                        
2737(2)
2820(3)
2837(4)
2920(5)
2937(6)
1041(7)     D47.   PER                                                        
1212(8)     D60.   PER                                                        
2215(10)    G18.   PER                                                        
2315(11)
2415(12)
2516(14)    G34.   PER                                                        
2616(15)

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

                   2.  Week
                   3.  Biweekly
                   4.  Month
                   5.  Quarter
                   6.  Year
                  -7.  Other
                   0.  Inap. (No loan; loan "REGULAR INSTALLMENT;"
                       number of payments not "NO SET #" and monthly
                       payments not "NO REGULAR PAYMENTS")

2721(1)     H11.   In what month and year do you expect this loan to be
2738(2)            repaid?--MONTH                                             
2821(3)
2838(4)
2921(5)
2938(6)
1042(7)     D48.   In what month and year do you expect this loan to be
                   repaid?--MONTH                                             
1213(8)     D61.   In what month and year do you expect this loan to be
                   repaid?--MONTH                                             
2216(10)    G19.   In what month and year do you expect this loan to be
2316(11)           repaid?--MONTH                                             
2416(12)
2517(14)    G35.   In what month and year do you expect this loan to be
2617(15)           repaid?--MONTH

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

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

2722(1)    H11.   In what month and year do you expect this loan to be
2739(2)            repaid?--YEAR                                              
2822(3)
2839(4)
2922(5)
2939(6)
1043(7)     D48.   In what month and year do you expect this loan to be
                   repaid?--YEAR                                              
1214(8)     D61.   In what month and year do you expect this loan to be
                   repaid?--YEAR                                              
2217(10)    G19.   In what month and year do you expect this loan to be
2317(11)           repaid?--YEAR                                              
2417(12)
2518(14)    G35.   In what month and year do you expect this loan to be
2618(15)           repaid?--YEAR                                              

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

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

2723(1)     H12.   How much is still owed on this loan?                       
2740(2)
2823(3)
2840(4)
2923(5)
2940(6)
1044(7)     D49.   How much is still owed on this loan?                       
1215(8)     D62.   How much is still owed on this loan?                       
1219(9)     D65a.  Altogether, how much is still owed on other loans for
                   additions or improvements?                                 
2218(10)    G20.   How much is still owed on this loan?                       
2318(11)
2418(12)
2424(13)    G23c.  Altogether, about how much is still owed on (this/these)
                   loan(s)?  (ACCEPT RANGE.)                                  
2519(14)    G36.   How much is still owed on this loan?                       
2619(15)
2625(16)    G39c.  Altogether, about how much is still owed on (this/these)
                   loan(s)?                                                   

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

                   Code actual amount
                   0.  Inap. (No loan)

2724(1)     H13.   What is the current annual rate of interest being charged
2741(2)            on this loan?                                              
2824(3)
2841(4)
2924(5)
2941(6)
1045(7)     D50.   What is the current annual rate of interest being charged
                   on this loan?                                              
1216(8)     D63.   What is the current annual rate of interest being charged
                   on this loan?                                              
2219(10)    G21.   What is the current annual rate of interest being charged
2319(11)           on this loan?                                              
2419(12)
2520(14)    G37.   What is the current annual rate of interest being charged
2620(15)           on this loan?                                              

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

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

2725(1)    H14.   (Please look at Card A.) Is this loan with any of the  
2742(2)            institutions on Card A,or from someplace else?
2825(3)            (IF CARD A: Which institution?)
2842(4)            (IF SOMEPLACE ELSE: What type of institution is that?)     
2925(5)
2942(6)
1046(7)     D51.   Please look at Card A.  Is the loan with any of the
                   institutions on Card A, or from someplace else?
                   (IF CARD A: Which institution?)
                   (IF SOMEPLACE ELSE: What type of institution is that?)     
1217(8)     D64.   (Please look at Card A.)  Is the loan with any of the
                   institutions on Card A, or from someplace else? 
                   (IF CARD A: Which institution?)
                   (IF SOMEPLACE ELSE:  What type of institution is that?)    
2220(10)    G22.   (Please look at Card A.) Is the loan with any of the
2320(11)           institutions on Card A, or from someplace else?
2420(12)           (IF CARD A: Which institution?)
                   (IF SOMEPLACE ELSE: What type of institution is that?)     
2521(14)   G38.   (Please look at Card A.) Is the loan with any of the
2621(15)           institutions on Card A, or from someplace else?
                   (IF CARD A: Which institution?)
                   (IF SOMEPLACE ELSE: What type of institution is that?)     

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

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

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

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

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

-----------------------------------------------------------------------------
BUSINESSES
-----------------------------------------------------------------------------

3103       M3.    Do you (and your family living here) own or share
                   ownership in any privately-held businesses, farms,
                   professional practices or partnerships? (SEE INSTRUCTION
                   IN BOX ABOVE.) (asked of Rs who do not operate
                   farm/ranch business, inferred for others)

                   1.  YES
                   5.  NO

3104        M4.    Do you (or anyone in your family living here) have an
                   active management role in any of these businesses?
                   (INCLUDE THE GENERAL PARTNERS IN A LIMITED PARTNERSHIP,
                   BUT NOT THE LIMITED PARTNERS.) (asked of Rs who do not
                   operate farm/ranch business, inferred for others
                   with businesses)

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

            M2.    (Not using the booklet.)  Including your (farm/ranch)
                   business here, in how many (farms/ranches), privately-held
                   businesses, professional practices or partnerships do you
                   (or your family living here) own or share ownership in and
                   have an active management role?  (INCLUDE THE GENERAL
                   PARTNERS IN A LIMITED PARTNERSHIP, BUT NOT THE LIMITED
                   PARTNERS.) (asked of Rs who operate farm/ranch business)
            M2a.   READ THE FOLLOWING:  I will ask you first about your
                   (farm/ranch) business.
                   RECORD # OF BUSINESSES (FROM M2) IN BOX M5 AT TOP OF NEXT
                   PAGE, THEN GO TO M5a  
3105        M4a.   In how many businesses do you (or anyone in your family
                   living here) have an active management role? (asked of
                   Rs who do not operate farm/ranch business)

                   Code # BUSINESSES
                   0.  Inap. (No businesses, no businesses with active
                       management role)
                   For the public use dataset, the number of such
                   businesses is top-coded at 10.

3107       M5a.   What kind of business is (it/the largest business/the next
3207               business) -- that is, what does the business make or do?   
3307

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

3108        M6.    How did you (or your family living here) acquire this
3208               business; was it bought or invested in, started by you, 
3308               inherited, given to you, or what?                          

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

3109        M7.    When you invested did you (or anyone in your family living
3209               here) intend to make day-to-day decisions and work at
3309               least 5 hours per week in the business?                    
                   1.  YES
                   5.  NO
                   0.  Inap. (No businesses, no businesses with active
                       management role, no further businesses with
                       active management role)

3110        M8.    In what year did you (start/acquire) the business?         
3210
3310
                   Code YEAR
                   0.  Inap. (No businesses, no businesses with active
                       management role, no further businesses with
                       active management role)
                   For the public use dataset, the year is rounded to the
                   nearest 5.

3111       M9.    How many employees does it have including you (and members
3211               of your family)?                                           
3311
                   Code # EMPL
                   -1.  No one working in business; business is about to
                        be sold
                    0.  Inap. (No businesses, no businesses with active
                        management role, no further businesses with
                        active management role)
                    For the public use dataset, the number of employees
                    is top-coded at 2500.

            M9b.   Which members of your family living here work in the
                   business? (Asked for R does not live alone,
                   inferred for R lives alone)

3113        M9b.   A. R                                                       
3213
3313

3114        M9b.   B. SPOUSE                                
3214
3314

3115        M9b.   C.  ADULT CHILD
3215
3315    

3116        M9b.   D.  OTHER ADULT IN HH                    
3216
3316

3117       M9b.   E. OTHER--Person(s) under 18 in HH                         
3217
3317
                   1.  Checked                              
                   5.  Not checked
                   0.  Inap. (No businesses, no businesses with active
                       management role, no further businesses with
                       active management role)

3118        M9c.   (Other than you [and your husband/wife]), how many hours
3218               does the (other/most involved) family member work in this
3318               business in a normal week?                                 

                   Code HRS
                   0.  Inap. (No businesses, no businesses with active
                       management role, no further businesses with
                       active management role, no one in family living
                       there other than respondent and spouse works
                       for business)

3119        M9d.   Is it a partnership, a sole proprietorship, a subchapter S
3219               corporation, another type of corporation, or what?         
3319
                    1.  PARTNERSHIP
                    2.  SOLE PROPRIETORSHIP
                    3.  SUBCHAPTER S
                    4.  OTHER CORPORATION
                   -7.  OTHER
                    0.  Inap. (No businesses, no businesses with active
                        management role, no further businesses with
                        active management role)

3120        M10.   Are you (or your family living here) using personal assets
3220               as collateral or did you have to cosign or guarantee any
3320               loans for this business?                                   

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

3121        M10a.  How much is guaranteed or collateralized?                  
3221
3321
                   Code actual amount
                   0.  Inap. (No businesses, no businesses with active
                       management role, no further businesses with
                       active management role, no cosigned loans or
                       loan guarantees)

3122        M10b.  Did I record this earlier?                                 
3222
3322
                   1.  YES
                   5.  NO
                   8.  DK
                   9.  NA
                   0.  Inap. (No businesses, no businesses with active
                       management role, no further businesses with
                       active management role, no cosigned loans or
                       loan guarantees)

3123       M11.   (Other than guarantees,) does the business owe you (or
3223               your family living here) any money?                        
3323
                   1.  YES
                   5.  NO
                   0.  Inap. (No businesses, no businesses with active
                       management role, no further businesses with
                       active management role)

3124        M11a.  How much is owed?                                          
3224
3324
                   Code actual amount
                   0.  Inap. (No businesses, no businesses with active
                       management role, no further businesses with
                       active management role, business does not owe R
                       money)

3125        M12.   Do you (or your family living here) owe the business any
3225               money?                                                     
3325
                   1.  YES
                   5.  NO
                   0.  Inap. (No businesses, no businesses with active
                       management role, no further businesses with
                       active management role)

3126       M12a.  How much do you owe?                                       
3226
3326
                   Code actual amount
                   0.  Inap. (No businesses, no businesses with active
                       management role, no further businesses with
                       active management role, R and family do not owe
                       business money)

3127        M12b.  Did I record this earlier?                                 
3227
3327
                   1.  YES
                   5.  NO
                   8.  DK
                   9.  NA
                   0.  Inap. (No businesses, no businesses with active
                       management role, no further businesses with
                       active management role, R and family do not owe
                       business money)

3128        M13.   What percentage of the business do you (and your family
3228               living here) own?                                          
3328
                   Code PERCENT to 2 decimal places

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

3129       M14.   What could you sell it for? (What is your share worth?)    
3229
3329
                   Code actual amount
                   -1.  NOTHING
                    0.  Inap. (No businesses, no businesses with active
                        management role, no further businesses with
                        active management role)

3130        M15.   If you sold the business now, what would be the cost basis
3230               for tax purposes of this share?  (What was your original
3330               investment?)                                               

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

3131       M16.   What were the gross receipts or gross sales of the
3231               business as a whole in 1988?                               
3331
                   Code actual amount
                   -1.  NONE
                    0.  Inap. (No businesses, no businesses with active
                        management role, no further businesses with
                        active management role)

3132        M17.   What was the business's total net income before taxes in
3232               1988?                                                      
3332
                   Code actual amount
                   -1.  NONE
                    0.  Inap. (No businesses, no businesses with active
                        management role, no further businesses with
                        active management role)

3133       M18.   What is the total book value of all owners' or
3233               shareholders' equity in this business?                     
3333
                   Code actual amount
                   -1.  NONE
                    0.  Inap. (No businesses, no businesses with active
                        management role, no further businesses with
                        active management role)

3335        M19a.  For the remaining business(es) you (and your family living
                   here) own and actively manage, what could you sell your
                   share for?  (What is your share worth?)                    

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

3336        M19b.  If you sold (these businesses/this business) now, what
                   would be the cost basis for tax purposes of your share? 
                   (What was your original investment?)                       

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

3337        M19c.  What was the total net income you (and your family living
                   here) received from (these businesses/this business) in
                   1988?                                                      

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

3401        M20.   Do you (or anyone in your family living here) own or have
                   an interest in any other businesses or partnerships where
                   you do not have an active management role? (Asked
                   if R has business with managment interest, inferred
                   for others with businesses)

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

3402        M20a.  How many of these (other) businesses or partnerships do
                   you (and your family living here) own or share ownership
                   in?                                                        

                   Code NUMBER
                   0.  Inap. (No businesses, no businesses without
                       management role)
                   For the public use dataset, the number of such
                   businesses is top-coded at 50.

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

3407(#1)   M20b.  Is it a sole-proprietorship, a limited partnership,
3411(#2)           another type of partnership, a Subchapter S-corporation,
3415(#3)           another type of corporation, or what? (ASKED IF
3419(#4)           ONLY ONE BUSINESS)
3423(#5)   M21.   (I need to know what type of businesses these are.)  Are
3427(#6)           any of them (TYPE: Limited Partnerships, Other
                   Partnerships, S-Corporations, Sole Proprietorships,
                   Other Types)? (ASKED IF MORE THAN ONE BUSINESS)

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

3408(#1)    M20c.  What could you sell your (family's) share for?  (What is
3412(#2)           it worth?) (ASKED IF ONLY ONE BUSINESS)
3416(#3)    M22a.  What could you sell your (family's) share of all these
3420(#4)           (TYPE) for?  (What is it worth?) (ASKED IF MORE
3424(#5)           THAN ONE BUSINESS)
3428(#6)
                   Code actual amount
                   -1.  Nothing; zero
                   -2.  LOSS; negative amount
                    0.  Inap. (No businesses, no businesses without
                        management role no TYPE businesses with
                        active management role)

3409(#1)    M20d.  If you sold this (business/partnership) now, what would be
3413(#2)           the cost basis for tax purposes?  (What was your original
3417(#3)           investment?) (ASKED IF ONLY ONE BUSINESS)
3421(#4)    M23a.  If you sold these (TYPE) now, what would be the cost basis
3425(#5)           for tax purposes of these shares?  (What was your original
3429(#6)           investment?) (ASKED IF MORE THAN ONE BUSINESS)

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

3410(#1)    M20e.  What was the total net income you (and your family living
3414(#2)           here) received from this (business/partnership) in 1988?
3418(#3)           (ASKED IF ONLY ONE BUSINESS)
3422(#4)    M24a.  What was the total net income you (and your family living
3426(#5)           here) received from all such (TYPE) in 1988? (ASKED
3430(#6)           IF MORE THAN ONE BUSINESS)

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

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

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

                   1.  YES
                   5.  NO

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

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

3503       N2a.    (RB, P. 10)  Looking at this list, please tell me which is
                   the most important   reason (you don't/your family
                   doesn't) have a checking account.                          

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

3504        N3.    (Not using the booklet.)  How many checking accounts do
                   you (and your family living here) have?
                   (IF R ASKS: INCLUDE MONEY MARKET ACCOUNTS WITH CHECK-
                   WRITING PRIVILEGES ONLY IF THEY ARE AT BANKS, SAVINGS AND
                   LOANS, OR CREDIT UNIONS)                                   

                   Code # ACCOUNTS
                   0.  Inap. (No checking accounts)
                   For the public use dataset, the number of checking
                   accounts is top-coded at 20.
 

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

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

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

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

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

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

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

3530        N9.    (RB, P. 11)  Which of the reasons on this page is the most
                   important reason (you/your family living here) chose the
                   institution that you did for your main checking account? 
                   (Was it because of the location of their offices, because
                   they had the lowest fees or minimum balance requirement,
                   because you were able to obtain many services at one
                   place, because they offered safety and an absence of risk,
                   or some other reason?)                                     

                    1.   Recommended
                    2.   Low interest rate
                    3.   LOCATION OF OFFICES 
                    4.   Other business done here
                    5.   Easy to qualify (for credit); only place that would
                         give us a loan
                    6.   MANY SERVICES IN ONE PLACE
                    7.   LOW FEES or service charges; they pay interest on
                         account(s)
                    8.   SAFETY 
                    9.   Other convenience mentions: payroll deduction
                         feature; "convenience"--NFS
                   11.   Personal relationship; they know me; know/like them;
                         R/Spouse works there
                   -7.  OTHER
                    0.  Inap. (No checking accounts)

3531        N9a.   (Not using the booklet.)  For how many years (have you/has
                   someone in your family living here) done business with
                   this institution?                                          

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

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

                   1.  YES
                   5.  NO

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

            N10a.  Who has IRA or Keogh accounts?
3602        N10a.  RESPONDENT                                                 
3612        N10a.  SPOUSE ACCOUNTS                                            
3622        N10a.  OTHER PERSONS                                              

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

3603        N11.   How many IRA and Keogh accounts does (PERSON) have?
3613
3623
                   Code # ACCTS
                   0.  Inap. (No IRA or Keogh accounts, PERSON has no
                       IRA or Keogh accounts)
                   For the public use dataset, the number of accounts
                   is top-coded at 20.

            N12.   About (PERSON'S) accounts (are these/is this an) IRA or
                   Keogh account(s)? (CHECK ALL THAT APPLY.)
3604        N12A.  IRA                                                  
3614
3624
                   1.  Checked (IRA)
                   2.  IRA/SEP (volunteered)
                   5.  Not checked
                   0.  Inap. (No IRA or Keogh accounts, PERSON has no
                       IRA or Keogh accounts)

3605        N12B.  KEOGH
3615
3625
                   1.  Checked
                   5.  Not checked
                   0.  Inap. (No IRA or Keogh accounts, PERSON has no
                       IRA or Keogh accounts)

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

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

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

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

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

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

                   1.  YES
                   5.  NO

3702        N16a.  Altogether, how many money market accounts do you (and
                   your family living here) have?                             

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

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

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

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

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

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

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

3718        N21a.  How much is in all your (family's) remaining money market
                   accounts?                                                  

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

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

                   1.  YES
                   5.  NO

3720        N22a.  Altogether, how many such CD's do you (and your family
                   living here) have?                                         

                   Code # CERTIFICATES
                   0.  Inap. (No CDs)

3721        N22b.  What is the total dollar value of (this/all these) CD's?   

                   Code actual amount
                   0.  Inap. (No CDs)

3722       N22c.  (Please look at Card A.) (Is this/Are these) CD's with any
3723               of the institutions on Card A, or from someplace else?
3724               (CHECK ALL THAT APPLY)
3725               (IF CARD A: Which institution?)
                   (IF SOMEPLACE ELSE:  What type of institution is that?)    

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

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

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

                   1.  YES
                   5.  NO

3802        N23a.  Altogether, how many such accounts do you (and your family
                   living here) have?                                         

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

3803(#1)   N24.   (Please look at Card A.) Is the (next) largest account
3806(#2)           with any of the institutions on Card A, or from someplace
3809(#3)           else?
3812(#4)           (IF CARD A: Which institution?)
3815(#5)           (IF SOMEPLACE ELSE:  What type of institution is that?)    

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

9138 (#1)  R:      Type of institution
9139 (#2)
9140 (#3)
9141 (#4)
9142 (#5)
                   See FINANCIAL INSTITUTIONS master reference list
                   0.  Inap. (No savings accounts, no further savings
                       accounts)

3804(#1)   N25.   How much is in this account?                               
3807(#2)
3810(#3)           Code actual amount
3813(#4)
3816(#5)
                   -1.  Nothing; zero
                    0.  Inap. (No savings accounts, no further savings
                        accounts)

3818        N26a.  How much is in all your (family's) remaining such
                   accounts?                                                  

                   Code actual amount
                   -1.  Nothing; zero
                    0.  Inap. (No savings accounts, no further savings
                        accounts)

3819        N27.   Do you (or anyone in your family here) have any mutual
                   fund holdings?  (IF YES, SAY: Please do not include any
                   pension-type, thrift-saving, 401-K, or IRA/Keogh plans, or
                   accounts I have already recorded.)                         

                   1.  YES
                   5.  NO

3820        N27a.  In how many different mutual funds (do you/does your
                   family) own shares?                                        

                   Code # MUTUAL FUNDS
                   0.  Inap. (No mutual funds)

            N28.   I need to know what type(s) of mutual fund(s) (this
                   is/these are)?  (Is it/Are any of them)...
3821        N28a.  Stock Funds                                                
3823        N28b.  (Are any of them) Tax-Free Bond Funds                      
3825        N28c.  (Are any of them) Government or Government backed Bond Funds
3827        N28d.  (Are any of them) other Bond Funds                         
3829        N28e.  Combination funds or any other mutual funds (INCLUDE 
                   "DK TYPE" HERE)

                   1.  YES
                   5.  NO
                   0.  Inap. (No mutual funds)

3822       N29a.  What is the total market value of all of the (TYPE)
3824              that you (and your family living here) have?
3826
3828
3830
                   Code actual amount
                   0.  Inap. (No mutual funds, no TYPE mutual funds)

3831        N30.   Overall has there been a gain or loss in the value of all
                   these mutual fund shares since you (or someone in your
                   family here) obtained them?                                

                   1.  GAIN
                   3.  NEITHER GAIN NOR LOSS
                   5.  LOSS
                   0.  Inap. (No mutual funds)

3832        N30a.  How much have they gained in value since they were
                   obtained?--PERCENT                                         

                   Code PERCENT to 2 decimal places
                   -2.  Virtually all
                    0.  Inap. (No mutual funds, loss or no change in
                        value of mutual funds)

3833        N30a.  How much have they gained in value since they were
                   obtained?--AMOUNT                                          

                   Code actual amount
                   -2.  Virtually all
                    0.  Inap. (No mutual funds, loss or no change in
                        value of mutual funds)

3834        N30b.  How much have they lost in value since they were
                   obtained?--PERCENT                                         

                   Code PERCENT to 2 decimal places
                   -2.  Virtually all
                    0.  Inap. (No mutual funds, gain or no change in
                        value of mutual funds)

3835        N30b.  How much have they lost in value since they were
                   obtained?--AMOUNT                                          

                   Code actual amount
                   -2.  Virtually all
                    0.  Inap. (No mutual funds, gain or no change in
                        value of mutual funds)

3901        N31.   Do you (or anyone in your family here) have any U.S.
                   government savings bonds?
                   (THESE MAY BE CALLED SERIES EE OR HH.  THEY CAN BE
                   PURCHASED BY PAYROLL DEDUCTION.)                           

                   1.  YES
                   5.  NO

3902        N31a.  What is the total face value of all the savings bonds that
                   you (and your family) have?                                

                   Code actual amount
                   0.  Inap. (No savings bonds)

3903       N32.   Do you (or anyone here) have any other corporate,
                   municipal, government, or other type of bonds or bills? 
                   (IF YES, SAY: Please do not include any bonds or bills
                   held in pension accounts or trusts, or in accounts I have
                   already recorded.)                                         

                   1.  YES
                   5.  NO

3904        N32a.  How many different bonds or bills do you (or your family)
                   own?                                                       

                   Code # BONDS OR BILLS
                   0.  Inap. (No bonds or bills)
                   For the public use dataset, the number of bonds is
                   is top-coded at 150.

           N33.   I need to know what type(s) of bond or bill (this is/these
                   are)?  (Is it/Are any of them)...

3905        N33a.  Mortgage-backed bonds such as those from "Ginnie-Mae",
                   "Fannie-Mae" or "Freddie-Mac"                              
3907        N33b.  U.S. Government bonds or Treasury bills                    
3909        N33c.  State or municipal bonds, or other taxfree bonds           
3911        N33d.  Corporate or foreign bonds, or any other type of bonds
                   (INCLUDE "DK TYPE" HERE)                                   

                   1.  YES
                   5.  NO
                   0.  Inap. (No bonds or bills)

3906        N34a.  What is the total face value of all of the (TYPE) that you
3908               (and your family living here) have?                        
3910
3912               Code actual amount
                   0.  Inap. (No bonds or bills, no TYPE bonds or bills)

3913        N35.   Do you (or anyone in your family living here) own any
                   publicly traded stock?  (IF YES, SAY: Please do not
                   include any stock held through mutual funds, pension
                   accounts or trusts, or in accounts or businesses that I
                   have already recorded.)                                    

                   1.  YES
                   5.  NO

3914       N36.   In how many different companies do you (or your family
                   living here) own stock?                                    

                   Code # COMPANIES
                   0.  Inap. (No publicly traded stock)
                   For the public use dataset, the number of companies
                   is top-coded at 150.

3915        N37.   What is the total market value of this stock?              

                   Code actual amount
                   0.  Inap. (No publicly traded stock)

3916        N38.   Overall has there been a gain or loss in the value of this
                   stock since you (or someone in your family here) obtained
                   it?                                                        

                   1.  GAIN
                   3.  NEITHER GAIN NOR LOSS
                   5.  LOSS
                   0.  Inap. (No publicly traded stock)

3917       N38a.  How much has it gained in value since it was obtained?
                   --PERCENT                                                  

                   Code PERCENT to 2 decimal places
                   -2.  Virtually all
                    0.  Inap. (No publicly traded stock, loss or no
                        change in value of publicly traded stock)

3918        N38a.  How much has it gained in value since it was obtained?
                   --AMOUNT                                                   

                   Code actual amount
                   -2.  Virtually all
                    0.  Inap. (No publicly traded stock, loss or no
                        change in value of publicly traded stock)

3919        N38b.  How much has it lost in value since it was obtained?
                   --PERCENT                                                  

                   Code PERCENT to 2 decimal places
                   -2.  Virtually all
                    0.  Inap. (No publicly traded stock, gain or no
                        change in value of publicly traded stock)

3920       N38b.  How much has it lost in value since it was obtained?
                   --AMOUNT                                                   

                   Code actual amount
                   -2.  Virtually all
                    0.  Inap. (No publicly traded stock, gain or no
                        change in value of publicly traded stock)

3921        N39.   Of your (family's) stock, is any of it stock in a company
                   where you (or anyone in your family living here) have
                   worked?                                                    

                   1.  YES
                   5.  NO
                   0.  Inap. (No publicly traded stock)

3922        N39a.  What is the total market value of this stock in the
                   company?                                                   

                   Code actual amount
                   0.  Inap. (No publicly traded stock, no publicly
                       traded stock in company where work)
                                                                               
 
3923        N40.   Do you (or anyone in your family here) have a brokerage
                   account for the purchase or sale of stocks and other
                   securities?                                                

                   1.  YES
                   5.  NO
                   0.  Inap. (No publicly traded stock)

3924        N40a.  (Please look at Card A.)  (Is this/Are these) accounts
3925               with any of the institutions on Card A, or from someplace
3926               else?  (CHECK ALL THAT APPLY.) 
3927               (IF CARD A: Which institution(s)?)
                   (IF SOMEPLACE ELSE:  What type(s) of institution(s)?)      

                   See FINANCIAL INSTITUTIONS master reference list
                   0.  Inap. (No publicly traded stock, no brokerage account,
                       no further institutions)

9143 (1)   R:      Type of institution
9144 (2)
9145 (3)
9146 (4)
                   See FINANCIAL INSTITUTIONS master reference list
                   0.  Inap. (No publicly traded stock, no brokerage account,
                       no further institutions)

3928       N40b.  Over the past year, about how many times did you (or
                   anyone in your family living here) buy or sell stocks or
                   other securities through a broker?  (ACCEPT RANGE.)        

                   Code # TIMES
                   -1.  NONE
                    0.  Inap. (No publicly traded stock, no brokerage account)
                   For the public use dataset, the number of time the R
                   traded stock is top-coded at 150.

3929        N40c.  Not including any accounts you've told me about, do you
                   (or anyone in your family living here) have a "cash" or
                   "call money" account at a stock brokerage? 
                   (IF R ASKS: CASH OR CALL MONEY ACCOUNTS HOLD MONEY
                   RECEIVED FROM THE SALE OF STOCK UNTIL THE MONEY IS
                   REINVESTED.)                                               

                   1.  YES
                   5.  NO
                   0.  Inap. (No publicly traded stock, no brokerage account)

3930       N40d.  What is the total dollar value of all the cash or call
                   money accounts that you (and your family living here)
                   have?                                                      

                   Code actual amount
                   -1.  Zero; nothing now
                    0.  Inap. (No publicly traded stock, no brokerage account,
                        no call account)

3931        N40e.  Other than loans you have already told me about, do you
                   (or anyone in your family living here) have any margin
                   loans at a stock brokerage?                                

                   1.  YES
                   5.  NO
                   0.  Inap. (No publicly traded stock, no brokerage account)

3932        N40f.  Altogether, how much is owed on these margin loans?        

                   Code actual amount
                   0.  Inap. (No publicly traded stock, no brokerage account,
                       no margin loans)

3933        N41.   Do you (or anyone in your family here) receive income from
                   or have assets in a trust, annuity, or managed investment
                   account that you have not already told me about?  (IF YES,
                   SAY:  Please do not include pension-type accounts, or any
                   assets that I have already recorded.)                      

                   1.  YES
                   5.  NO

            N42.   What are these; are they legal trusts, annuities, or
                   managed investment accounts?  (CHECK ALL THAT APPLY)
3934        N42A.  LEGAL TRUSTS                                               
3935        N42B.  ANNUITIES
3936        N42C.  MANAGED INVESTMENT ACCOUNTS
3937        N42D.  OTHER:                                                     

                   1.  Checked                              
                   5.  Not checked
                   0.  Inap. (No trusts, annuities, or managed
                       investment accounts)

3938        N43.   Are any of these set up so that you (or your family living
                   here) are legally entitled only to the income and do not
                   have an equity interest?                                   

                   1.  YES
                   5.  NO
                   0.  Inap. (No trusts, annuities, or managed
                       investment accounts)

3939        N43a.  How much income did (you/your family living here) receive
                   from these income-only trusts, annuities, or accounts in
                   1988?                                                      

                   Code actual amount
                   -1.  ZERO; none yet
                    0.  Inap. (No trusts, annuities, or managed
                       investment accounts; no income-only accounts)

3940        N43b.  Do you (or your family living here) also have annuities,
                   trusts, or managed investment accounts in which you (or
                   your family) have an equity interest?                      

                   1.  YES
                   5.  NO
                   0.  Inap. (No trusts, annuities, or managed
                       investment accounts; no income-only accounts)

            N43c.  What is the total dollar amount of your (family's)
                   interest in these accounts? (Asked if R has
                   income-only accounts)           
3942        N44.   What is the total dollar value of your (family's) interest
                   in all annuities, trusts, or managed investment accounts?  
                   (Asked if R does not have income-only accounts)

                   Code actual amount
                   0.  Inap. (No trusts, annuities, or managed
                       investment accounts; no equity interest in such
                       accounts)

3943       N45.   Who manages your (family's) trusts, annuities, or
3944               investment accounts,--is it  any of the institutions on
3945               Card A, or are they managed by someone else? 
3946               (CHECK ALL THAT APPLY.)
                   (IF CARD A: Which institution(s)?)
                   (IF SOMEPLACE ELSE:  What type of institution(s) or who
                   manages them?)                                             

                   See FINANCIAL INSTITUTIONS master reference list
                   0.  Inap. (No trusts, annuities, or managed
                       investment accounts; no further institutions)

9147 (1)    R:     Type of institution
9148 (2)
9149 (3)
9150 (4)
                   See FINANCIAL INSTITUTIONS master reference list
                   0.  Inap. (No trusts, annuities, or managed
                       investment accounts; no further institutions)

3947        N46.   How is the money in these trusts and managed accounts
                   invested?  Is most of it in stocks, most of it in bonds or
                   other interest-earning assets, or what?                    

                   1.  STOCKS; "mutual fund" (exc. money market)
                   2.  BONDS/INTEREST/CD's/money market
                   3.  Real estate
                   5.  Combination of 1 & 2; "mutual funds and CD's"
                   6.  "Mixed"; "diversified"
                  -7.  OTHER; combination of 1, 2 & 3
                   8.  DK
                   9.  NA
                   0.  Inap. (No trusts, annuities, or managed
                       investment accounts)

4001        N47.   Do you (or anyone in your family living here) have any
                   life insurance, including individual or group policies?    

                   1.  YES
                   5.  NO

4002        N48.   Are any of these group or individual term insurance
                   policies?  
                   (IF R ASKS: TERM INSURANCE POLICIES HAVE NO VALUE UNLESS
                   THE PERSON DIES.  MANY SUCH POLICIES ARE ISSUED THROUGH
                   EMPLOYERS AND UNIONS.)                                     

                   1.  YES
                   5.  NO
                   0.  Inap. (No life insurance)

4003        N48a.  What is the current face value of all the term life
                   policies that you (and your family living here) have?      

                   Code actual amount
                   0.  Inap. (No life insurance, no term insurance)

4004        N49.   Do you have any policies that build up a cash value or
                   that you can borrow on?
                   (IF R ASKS: THESE ARE SOMETIMES CALLED "WHOLE LIFE" OR
                   "STRAIGHT LIFE".)                                          

                   1.  YES
                   5.  NO
                   0.  Inap. (No life insurance)

            N50.   What is the current face value of all the (other) life
                   insurance policies that you (and your family living here)
                   own? (Amount assigned to term or whole-life
                   insurance in imputation)
4005        N49a.  What is the current face value of all of the policies that
                   build up a cash value that you (and your family living
                   here) have?                                                

                   Code actual amount
                   0.  Inap. (No life insurance, no whole-life insurance)

4006        N49b.  What is the total cash value of these policies?            
                   (EDITED TO BE GROSS CASH VALUE WHEN REPORTED AS NET)
        
                   Code actual amount
                  -1.  Zero; none yet
                   0.  Inap. (No life insurance, no whole-life insurance)

4007        N49c.  Are you (or your family) borrowing against these policies?

                   1.  YES
                   5.  NO
                   0.  Inap. (No life insurance, no whole-life insurance)

4008        N49d.  (ASK ONLY IF AN AMOUNT WAS GIVEN IN N49b.)  Is the cash
                   value you just gave me net of any loans you have against
                   the policy or is it the gross cash value?
                   (IF R ASKS: THE NET VALUE IS THE TOTAL CASH VALUE MINUS
                   ANY LOANS.)                                                

                   1.  NET
                   2.  GROSS
                   3.  Value reported at N49b reported as net, but
                       recoded to gross
                   0.  Inap. (No life insurance, no whole-life
                       insurance, not borrowing against whole-life insurance)

4009       N49e.  Did I record these loans earlier in the interview?         

                   1.  YES
                   5.  NO
                   0.  Inap. (No life insurance, no whole-life
                       insurance, not borrowing against whole-life insurance)

8175       R:      Link code for loan mentioned earlier

                     1.  B10, #1
                     2.  B10, #2
                     3.  B10, #3
                     4.  B10, #4
                     5.  D36, col. 1
                     6.  D36, col. 2
                     7.  D36, col. 3
                     8.  D51
                     9.  D53h, col. 1
                    10.  D53h, col. 2
                    11.  D53h, col. 3
                    12.  D64
                    13.  E33, col. 1
                    14.  E33, col. 2
                    15.  E33, col. 3
                    16.  G22, col. 1
                    17.  G22, col. 2
                    18.  G22, col. 3
                    19.  G38, col. 1
                    20.  G38, col. 2
                    21.  H14, col. 1
                    22.  H14, col. 2
                    23.  H14, col. 3
                    24.  H14, col. 4
                    25.  H14, col. 5
                    26.  H14, col. 6
                   101.  Link not made
                     0.  Inap. (No life insurance, no whole-life
                         insurance, not borrowing against whole-life insurance)

4010        N49f.  How much is currently borrowed?                            

                   Code actual amount
                   0.  Inap. (No life insurance, no whole-life
                       insurance, not borrowing against whole-life insurance)

4011        N49g.  Typically how often (do you/does your family) make
                   payments on these loans and how large are the payments?    

                   Code $ amount
                   -1.  NO TYPICAL PAYMENTS
                    0.  Inap. (No life insurance, no whole-life
                       insurance, not borrowing against whole-life insurance)

4012       N49g.  PER                                                        

                   2.  Week
                   3.  Biweekly
                   4.  Month
                   5.  Quarter
                   6.  Year
                  -7.  Other
                   0.  Inap. (No life insurance, no whole-life
                       insurance, not borrowing against whole-life insurance)

4013        N49h.  What is the current annual rate of interest being charged
                   on these loans?                                            

                   Code % to 2 decimal places 
                   -1.  Zero; none
                    0.  Inap. (No life insurance, no whole-life
                        insurance, not borrowing against whole-life insurance)

4014        N49j.  How much in total are the yearly premiums for these
                   policies that build up a cash value?                       

                   Code actual amount
                   -1.  Nothing; paid in full
                    0.  Inap. (No life insurance, no whole-life
                        insurance)

4015       N49j.  PER                                                        

                   2.  Week
                   3.  Biweekly
                   4.  Month
                   5.  Quarter
                   6.  Year
                  -7.  Other
                   0.  Inap. (No life insurance, no whole-life
                       insurance)

4017        N51.   We have talked about various types of savings,
                   investments, and loans.  Other than what I have already
                   recorded, are you (or anyone in your family living here)
                   owed any money by friends, relatives, businesses, or
                   others?  
                   (WE DO NOT WANT TO INCLUDE PENSION-TYPE OR EMPLOYER
                   PROFIT-SHARING ACCOUNTS HERE.)                             

                   1.  YES
                   5.  NO

4018        N51a.  Altogether, how much are you owed?                         

                   Code actual amount
                   0.  Inap. (No other loans owed to R)

4019        N52.   Do you (or anyone in your family living here) have any
                   other substantial assets that I haven't already recorded -
                   - for example, artwork, precious metals, antiques, future
                   proceeds from a lawsuit or estate, oil and gas leases,
                   futures contracts, royalties, or something else?  
                   (DO NOT INCLUDE PENSION-TYPE OR EMPLOYER PROFIT-SHARING
                   ACCOUNTS HERE.)                                            

                   1.  YES
                   5.  NO

4020 (#1a) N52a.  (About the most valuable of these ..)  What kind of asset
4021 (#1b)         is it?                                                     
4024 (#2a)
4025 (#2b)          1.   Gold
4028 (#3a)          2.   Silver (incl. silverware)
4029 (#3b)          3.   Other metals or metals NA type
                   10.   Jewelry; gem stones (incl. antique)
                   11.   Cars (antique or classic)
                   12.   Antiques; furniture
                   13.   Art objects; paintings; sculpture
                   14.   (Rare) books
                   15.   Coin collections
                   16.   Stamp collection
                   17.   Guns
                   18.   Real estate (exc. cemetery) (overflow from C20)
                   19.   Cemetery plots
                   20.   China; figurines; crystal
                   21.   Musical instruments
                   22.   Livestock; horses
                   23.   Oriental rugs
                   24.   Furs
                   25.   Other collections, incl. baseball cards, records,
                         wine
                   61.   Loans to friends/relatives
                   62.   Other loans/debts owed to R
                   63.   Cash, n.e.c.
                   64.   Future proceeds from a lawsuit
                   65.      "      "      "   an estate
                   66.   Deferred compensation
                   71.   Oil/gas/mineral leases or investments
                   72.   (Commodity) futures contracts
                   73.   Royalties
                   74.   Non-publicly traded stock
                   -7.   Other
                    0.   Inap. (No other assets, no additional other assets)
                   For the public use dataset, Future proceeds from a
                   lawsuit (64) and Future proceeds from an estate
                   (65) are combined in 64; Antiques and furniture
                   (12), Art objects (13), Rare books (14), and
                   Oriental rugs (23) are combined in 12; Commidity's
                   (72), Royalties (73), and Non-publicly traded stock
                   (74) are combined in 72; and Cars (11), Furs(24), and
                   Other (-7) are combined in -7.

4022(#1)    N52b.  What is the total dollar value that you (and your family
4026(#2)           living here) have in (TYPE)?                               
4030(#3)
                   Code actual amount
                   0.  Inap. (No other assets, no additional other assets)

4031        N53.   Do you (or anyone in your family living here) owe any
                   other money not recorded earlier?                          

                   1.  YES
                   5.  NO

4032       N53a.  How much is still owed on these loans?                     

                   Code actual amount
                   0.  Inap. (No other money owed)

-----------------------------------------------------------------------------
CURRENT JOB
-----------------------------------------------------------------------------

            R1.    We are interested in your present job status.  Are you
                   working now, temporarily laid off, unemployed and looking
                   for work, disabled and unable to work, retired, a student
                   (a homemaker), or what?  (CHECK ALL THAT APPLY.)
            S1.    We are interested in your (husband's/wife's) present
                   job status.  Is (he/she) working now, temporarily laid
                   off, unemployed and looking for work, disabled and
                   unable to work, retired, a student (a homemaker),
                   or what?  (CHECK ALL THAT APPLY.)
                   IF R/S IS "WORKING NOW" AND ANY OTHER CATEGORY, ASK ALL
                   FOLLOW-UP QUESTIONS AND GO TO NEXT PAGE, R2/S2.         
                   
4100        R1-R1e. SUMMARY OF OCCUPATION STATUS AND WORKING NOW              
4700        S1-S1e. SUMMARY OF OCCUPATION STATUS AND WORKING NOW

                  CURRENTLY WORKING FOR PAY:
                  11.   Worker only
                  12.   Worker + disabled
                  13.   Worker + retired
                  14.   Worker + student
                  15.   Worker + homemaker
                  16.   Worker + unemployed/looking for work
                  17.   Worker + temporarily laid off (NO at R1a, YES at
                        R1c, R2=current job)
                   NO CURRENT WORK FOR PAY:
                  20.   Temporarily laid off only (R2=job laid off from, to
                        which R expects to return [YES or DK at R1a])
                  21.   Temporarily laid off--does not expect to return to
                        job and no current work
                  30.   Unemployed and looking for work
                  50.   Retired only
                  52.   Disabled only
                                          
                                          "Homemaker" is a low priority
                                          working status coded only in 
                                          80 and 15. For other combina-
                                          tions including "Homemaker", 
                                          choose a code on the basis of
                                          the other item(s) checked.   
                  70.   Student only
                  80.   Homemaker/other not in labor force only
                  90.   Unpaid family workers: R's who volunteer that they
                         work in a family business or farm and are unpaid.
                         (Do not include here "volunteer work" for charitable
                         or non-profit organizations.)
                  96.   Other combination incl. WORKER
                  97.   Other (incl. combination) not including WORKER
                 199.   Absent spouse not included in IW
                   0.   Inap. (No spouse)

4101        R1a.   Do you expect to go back to this job?                      
4701        S1a.   Does (he/she) expect to go back to this job?

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, not temporarily laid off)

4102        R1b.   When did you last work on this job?--MONTH                 
4702        S1b.   When did (he/she) last work on this job?  MONTH

                   Code MONTH
                   0.  Inap. (No spouse, not temporarily laid off)

4103        R1b.   When did you last work on this job?--YEAR                  
4703        S1b.   When did (he/she) last work on this job?  YEAR 

                   Code YEAR
                   0.  Inap. (No spouse, not temporarily laid off)

4104        R1d.   When did you (retire/become disabled)?                     
4704        S1d.   When did (he/she) (retire/become disabled)?    

                   Code YEAR
                   0.  Inap. (No spouse, not retired/disabled)

4105       R1c/R1e.  Are you doing any work for pay at the present time?     
4705       S1c/S1e.  Is (he/she) doing any work for pay at the present time?

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, currently working)

4106        R2.    Next are some questions about your current, main job.  Do
                   you work for someone else, are you self-employed, or what?
4706        S2.    Next are some questions about (his/her) current,
                   main job.  Does (he/she) work for someone else, is
                   (he/she) self employed, or what?

                   1.  SOMEONE ELSE
                   2.  SELF-EMPLOYED 
                   0.  Inap. (No spouse, not currently working)

4107       R2.    EDITOR PRECODE: BUSINESS/JOB CONNECTION (R NOT SE)
           R14.   MARK BOX (BUSINESS IS FROM SECT. M) (R SE)
4707       S2.    EDITOR PRECODE: BUSINESS/JOB CONNECTION (S NOT SE)
           S14.   MARK BOX (BUSINESS IS FROM SECT. M) (S SE)

                   Precoded by editor in green

                   1.    This job associated with Bus #1 at M5a
                   2.     "    "      "       "   Bus #2 "   "
                   3.     "    "      "       "   Bus #3 "   "
                   4.    This job is associated with business listed at M5a,
                         BUT it is a) a business beyond #3 (at M19a-c) or (b)
                         associated with more than one M5a business or
                         (c) NA which business
                   5.    Job not associated with a business at M5a-M19c or a
                         property at E5; NO businesses listed in M5a-M19c and
                         no properties listed at E15
                   9.    NA
                   0.    Inap. (No spouse, not currently working)

4108        R3.    What is the official title of your job?  (The title that
                   your employer uses?) (R NOT SE)
            R4.    What sort of work do you do on your main job?  (Tell me a
                   little more about what you do.) (R NOT SE)
            R14.   What sort of work do you do?  (Tell me a little more about
                   what you do.)  (IWER:  IF R WORKS FOR BUSINESS REPORTED IN
                   SECTION M, MARK BOX.) (R SE)
4708        S3.    What is the official title of (his/her) job?  (The title
                   that (his/her) employer uses?) (S NOT SE)
            S4.    What sort of work does (he/she) do on (his/her) main job?
                   (Tell me a little more about what (he/she) does.)
                   (S NOT SE)
            S14.   What sort of work does (he/she) do?  (Tell me a
                   little more about what (he/she) does.)  (IWER:  IF
                   S WORKS FOR BUSINESS REPORTED IN SECTION M, MARK BOX.)
                   ( S SE)

                   Code 3-digit 1970 Census OCCUPATION Code
                   0.  Inap. (No spouse, not currently working)

7401        R:     1980 Occupation code
7411
                   Code 3-digit 1980 Census OCCUPATION Code
                   0.  Inap. (No spouse, not currently working)
                   The 1980 industry codes were collaped using the SAS
                   code that follows below.
***************************************************************************
            Code to collapse occupations
***************************************************************************
 ARRAY OCC {*} X7401 X7405 X7407 X7409
               X7411 X7415 X7417 X7419;
 DO I=1 TO DIM(OCC);
    IF (3 <= OCC{I} <=37) THEN OCC{I}=1;
    IF (43 <= OCC{I} <=199) THEN OCC{I}=1;
    IF (203 <= OCC{I} <=235) THEN OCC{I}=2;
    IF (243 <= OCC{I} <=285) THEN OCC{I}=2;
    IF (303 <= OCC{I} <=389) THEN OCC{I}=2;
    IF (403 <= OCC{I} <=407) THEN OCC{I}=3;
    IF (413 <= OCC{I} <=427) THEN OCC{I}=3;
    IF (433 <= OCC{I} <=469) THEN OCC{I}=3;
    IF (473 <= OCC{I} <=499) THEN OCC{I}=6;
    IF (503 <= OCC{I} <=699) THEN OCC{I}=4;
    IF (703 <= OCC{I} <=799) THEN OCC{I}=5;
    IF (803 <= OCC{I} <=859) THEN OCC{I}=5;
    IF (863 <= OCC{I} <=889) THEN OCC{I}=5;
    IF (905 <= OCC{I} <=905) THEN OCC{I}=3;

 END;
***************************************************************************

4109        R5.    What kind of business or industry do you work in--that is,
                   what do they make or do at the place where you work?
                   (R NOT SE)
            R14a.  What industry do you work in?  That is, what do they do or
                   make?  (What industry do you typically work in?) (R SE)
4709        S5.    What kind of business or industry does (he/she) work
                   in that is, what do they make or do at the place where   
                   (he/she) works? (S NOT SE)
            S14a.  What industry does (he/she) work in?  That is, what
                   do they do or make?  (What industry does (he/she)
                   typically work in?) (S SE)

                   Code 3-digit 1970 Census INDUSTRY Code
                   0.  Inap. (No spouse, not currently working)

7402        R:     1980 Industry code
7412
                   Code 3-digit 1980 Census INDUSTRY Code
                   0.  Inap. (No spouse, not currently working)
                   The 1980 industry codes were collaped using the SAS
                   code that follows below.
***************************************************************************
            Code to collapse occupations
***************************************************************************
 ARRAY IND {*} X7402 X7406 X7408 X7410
               X7412 X7416 X7418 X7420;
 DO I=1 TO DIM(IND);
    IF (10 <= IND{I} <=31) THEN IND{I}=1;
    IF (40 <= IND{I} <=50) THEN IND{I}=2;
    IF (60 <= IND{I} <=60) THEN IND{I}=2;
    IF (230 <= IND{I} <=392) THEN IND{I}=2;
    IF (100 <= IND{I} <=222) THEN IND{I}=2;
    IF (400 <= IND{I} <=472) THEN IND{I}=3;
    IF (500 <= IND{I} <=571) THEN IND{I}=3;
    IF (580 <= IND{I} <=691) THEN IND{I}=3;
    IF (700 <= IND{I} <=712) THEN IND{I}=3;
    IF (721 <= IND{I} <=760) THEN IND{I}=3;
    IF (761 <= IND{I} <=791) THEN IND{I}=3;
    IF (800 <= IND{I} <=802) THEN IND{I}=3;
    IF (812 <= IND{I} <=892) THEN IND{I}=3;
    IF (900 <= IND{I} <=932) THEN IND{I}=4;
 END;
***************************************************************************

4110       R6.    How many hours do you work on your main job in a normal
                  week? (R NOT SE)
           R14d.  How many hours do you work (for yourself/in this business)
                  in a normal week? (R SE)
4710       S6.    How many hours does (he/she) work on (his/her) main
                  job in a normal week? (S NOT SE)
           S14d.  How many hours does (he/she) work (for himself/for
                  herself/in this business) in a normal week? (S SE)

                   Code # HOURS
                   -2.  95 hours or more; "all the time"; "24 hours a day"
                    0.  Inap. (No spouse, not currently working)

4111        R7.    (READ SLOWLY)  Counting paid vacations as weeks of work,
                    how many weeks do you work on this job in a normal year?   
                    (R NOT SE)
            R14e.  (READ SLOWLY) Counting paid vacations as weeks of work,
                   how many weeks per year do you work on this job? (R SE)
4711        S7.    (READ SLOWLY)  Counting paid vacations as weeks of work,
                   how many weeks does (he/she) work on this job in a normal
                   year? (S NOT SE)
            S14e.  (READ SLOWLY) Counting paid vacations as weeks of work,   
                   how many weeks per year does (he/she) work on this job?
                   (S SE)

                   Code # WEEKS
                   0.  Inap. (No spouse, not currently working)

            R14f.  How are you paid?  Are you paid a regular salary or wages,
                   do you receive a portion of the net earnings, or what? 
                   (CHECK ALL THAT APPLY AND ASK BOTH FOLLOW-UP QUESTIONS IF
                   APPLICABLE.) (ONLY ASKED IF R SE)
            S14f.  How is (he/she) paid?  Is (he/she) paid a regular
                   salary or wages, does (he/she) receive a portion of
                   the net earnings, or what?  (CHECK ALL THAT APPLY AND
                   ASK BOTH FOLLOW UP QUESTIONS IF APPLICABLE.)   
                   (ONLY ASKED IF SPOUSE SE)
4125        R14f.  A. SALARY
4126        R14f.  B. WAGES
4127        R14f.  C. NET EARNINGS
4128        R14f.  D. OTHER
4725        S14f.  A. SALARY
4726        S14f.  B. WAGES
4727        S14f.  C. NET EARNINGS
4728        S14f.  D. OTHER

                   1.  CHECKED
                   5.  NOT CHECKED
                   2.  Commission (4128/4728 only)
                   0.  Inap. (No spouse, not currently working, not
                       self-employed)
                   For the public use dataset, Commission (2) is combined
                   with responses in 1.

4112        R8.    About how much do you earn before taxes on your main job? 
                   (Is that per hour, week, month, year, or what?) (R NOT SE)
            R14g.  How much in salary or wages are you paid before taxes?
                   (R SE -- NOT ANSWERED UNLESS 4125/6 = 1)
4712        S8.    About how much does (he/she) earn before taxes on
                   (his/ her) main job?  (Is that per hour, week,
                   month, year, or what?) (S NOT SE)
            S14g.  How much in salary or wages is (he/she) paid before
                   taxes? (S SE -- NOT ANSWERED UNLESS 4725/6 = 1)
)

                   Code actual amount
                   -1.  Zero; take no pay out of business
                    0.  Inap. (No spouse, not currently working)

4113       R8.    PER (R NOT SE)
           R14g.  PER (R SE)
4713       S8.    PER (S NOT SE)
           S14g.  PER (S SE)

                   1.  Day
                   2.  Week
                   3.  Biweekly
                   4.  Month
                   5.  Quarter
                   6.  Year
                  -7.  Other
                   8.  Wages per hour edited to $ per week
                   0.  Inap. (No spouse, not currently working)

4131        R14h.  (In addition to regular salary,) how much do you
                   personally earn from the business before taxes? (What did
                   you earn in 1988?) (ONLY ASKED IF R SE)
4731        S14h. (In addition to regular salary,) how much does (he/she)
                  personally earn from the business before taxes? (What did
                  (he/she) earn in 1988?) (ONLY ASKED IF S SE)

                   Code actual amount
                   -1.  Zero; none in 1988
                    0.  Inap. (No spouse, not currently working, not
                       self-employed, no non-wage/salary income from job)

4132        R14h.  PER (ONLY ASKED IF R SE)
4732        S14h.  PER (ONLY ASKED IF S SE)

                   1.  Day
                   2.  Week
                   3.  Biweekly
                   4.  Month
                   5.  Quarter
                   6.  Year
                  -7.  Other
                   0.  Inap. (No spouse, not currently working, not
                       self-employed, no non-wage/salary income from job)

4114        R9.    About how many employees work for this company or
                   organization, including all locations?  (Is it fewer than
                   10, 10 to 19, 20 to 99, 100 to 499, or 500 or more?)       
                   (ONLY ASKED FOR R NOT SE; INFERRED FROM SECTION M
                   WHERE POSSIBLE; OTHERWISE, IMPUTED)
4714        S9.    About how many employees work for this company or
                   organization, including all locations?  (Is it fewer than   
                   10, 10 to 19, 20 to 99, 100 to 499, or 500 or more?)
                   (ONLY ASKED FOR S NOT SE; INFERRED FROM SECTION M
                   WHERE POSSIBLE; OTHERWISE, IMPUTED)

                   1.  LESS THAN 10
                   2.  10 TO 19
                   3.  20 TO 99
                   4.  100 TO 499
                   5.  500 OR MORE
                   0.  Inap. (No spouse, not currently working)

4115        R10.   How many years in total have you worked for this employer?
                   (R NOT SE)
            R14b.  How many years have you worked for (yourself/this
                   business)? (R SE)
4715        S10.   How many years in total has (he/she) worked for this   
                   employer? (S NOT SE)
            S14b.  How many years has (he/she) worked for (himself/herself/
                   this business)? (S SE)

                   Code # YEARS
                   1.  ONE YEAR OR LESS
                   0.  Inap. (No spouse, not currently working)
                   For the public use dataset, the number of years with
                   the current employer is top-coded at 50.

4116        R11.   How many years do you expect to continue working for this
                   employer? (ACCEPT RANGE.) (R NOT SE)
            R14c.  About how many years do you expect to continue working for
                   (yourself/this business)?  ACCEPT RANGE (R SE)
4716        S11.   How many years does (he/she) expect to continue working   
                   for this employer? (ACCEPT RANGE.) (S NOT SE)
            S14c.  About how many years does (he/she) expect to continue   
                   working for (himself/herself/this business)?  ACCEPT RANGE
                   (S SE)

                   Code # YEARS
                   -1.  NEVER STOP
                    0.  Inap. (No spouse, not currently working)

4117        R12.   Are you covered on this job by a union or employee-
                   association contract? (R NOT SE)
            R14j.  Are you covered on this job by a union or employee-
                   association contract? (R SE)
4717        S12.  Is (he/she) covered on this job by a union or employee    
                  association contract? (S NOT SE)
            S14j. Is (he/she) covered on this job by a union or employee 
                  association contract? (R SE)
                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, not currently working)

INFORMATION LINKED FROM 1989 CURRENT POPULATION SURVEY BY OCCUPATION CODE

8112 (R)    R:    Average for occupation group of fraction of last 52
8113 (S)          weeks worked; multipled by 10,000

8114 (R)    R:    Average for occupation group of hours worked per week
8115 (S)          in 1989

8116 (R)    R:    Fraction of occupartion group unemployed in 1989;
8117 (S)          multiplied by 10,000

8169 (R)    R:    Unconditional mean wage for occupation group in 1989
8170 (S)

     For each occupation group, regressions were run separately for
     males and females of the log of annualized wages on a constant,
     a spline on age (AGE, MAX(0, AGE-35), MAX(0,AGE-55)), a dummy
     variable for part-time employemnt (1 = working 20 or fewer hours
     per week), a dummy variable for self-employment (1 = self-
     employed), a dummy for race (1 = Hispanic or non-white), and
     dummy variables for years of education (1 = : 12 years of
     education, more than 13 to 15 years of education, 16 years of
     education, more than 16 years of education).  If there were
     too few people in a CPS 3-digit occupation group, either the SCF
     case was matched to a neighboring occupation group, or the match
     was made at the level of the 2-digit occupation code.  Some of
     the model coefficients may be identically zero where there are 
     too few cases in the appropriate cells in the CPS to identify the
     coefficients.

8105 (R)    R:    Intercept
8106 (S)

8099 (R)    R:    Coefficient of AGE
8100 (S)

8101 (R)    R:    Coefficient of MAX(0,AGE-35)
8102 (S)

8103 (R)    R:    Coefficient of MAX(0,AGE-55)
8104 (S)

8318 (R)    R:    Coefficient of dummy for part-time employment
8319 (S)

8320 (R)    R:    Coefficient of dummy for self-emlpoyment
8321 (S)

8322 (R)    R:    Coefficient of dummy for Hispanic or nonwhite
8323 (S)

8324 (R)    R:    Coefficient of dummy for 12 years of education
8325 (S)

8326 (R)    R:    Coefficient of dummy for 13 to 15 years of education
8327 (S)

8328 (R)    R:    Coefficient of dummy for 16 years of education
8329 (S)

8330 (R)    R:    Coefficient of dummy for more than 16 years of education
8331 (S)

8107 (R)    R:    Standard error log regression
8108 (S)

8109 (R)    R:    Annualized level of expected income from regression
8111 (S)          (corrected for non-zero expectation of error term
                  for level)

-----------------------------------------------------------------------------
CURRENT JOB PENSIONS
-----------------------------------------------------------------------------

4135        R15.   Many employers have pension or retirement plans, and some
                   provide tax-deferred plans such as thrift, savings,
                   401K's, profit sharing, or stock ownership plans. Are you
                   included in any pension or retirement plans, or in any
                   tax-deferred savings plans on this job?  (DO NOT INCLUDE
                   SOCIAL SECURITY.)
                   IF R MENTIONS IRA OR KEOGH PLANS, NOTE IN MARGIN AND SAY:
                   "We covered those earlier in the interview. Here, I just
                   want to find out about other plans operated through your
                   employer." (R NOT SE)
            R14k.  Aside from IRA or Keogh plans, are you included in any
                   pension plans or tax-deferred savings plans through (your
                   work/the business)? (R SE)
4735        S15.   Many employers have pension or retirement plans, and some
                   provide tax deferred plans such as thrift, savings,
                   401K's, profit sharing, or stock ownership plans.  Is
                   (he/she) included in any pension or retirement plans,
                   or in any tax deferred savings plans on this job?
                   (DO NOT INCLUDE SOCIAL SECURITY.)   
                   IF R MENTIONS IRA OR KEOGH PLANS, NOTE IN MARGIN AND SAY:
                   "We covered those earlier in the interview. Here, I just
                    want to find out about other plans operated through
                   (his/her) employer." (S NOT SE)
            S14k.  Aside from IRA or Keogh plans, is (he/she) included
                   in any pension plans or tax deferred savings plans
                   through [(his/her) work/the business? (S SE)

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, not currently working)

4136       R16.   Does your employer offer any such plans?                   
                  (ONLY ASKED IF R NOT SE)
4736       S16.   Does (his/her) employer offer any such plans?        
                  (ONLY ASKED IF SP NOT SE)

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, not currently working,
                       included in pension plan on main job, self-employed)

4137        R16a.  Are you eligible to be included in any of these plans?
                  (ONLY ASKED IF R NOT SE)
4737        S16a.  Is (he/she) eligible to be included in any of these plans?
                  (ONLY ASKED IF SP NOT SE)

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, not currently working,
                       included in pension plan on main job, self-employed,
                       plan not offered)

4138        R16b.  Will you be eligible if you continue to work for this
                   employer? (ONLY ASKED IF R NOT SE)
4738        S16b.  Will (he/she) be eligible if (he/she) continues to work
                   for this employer? (ONLY ASKED IF SP NOT SE)

                   1.  YES
                   3.  DEPENDS
                   5.  NO
                   0.  Inap. (No spouse, not currently working,
                       included in pension plan on main job, self-employed,
                       plan not offered, eligible to be included in
                       plan)

4139       R17.   In how many different plans of this sort are you included
                  on this job? (ONLY ASKED IF R NOT SE)
4739       S17.   In how many different plans of this sort is (he/she)   
                  included on this job? (ONLY ASKED IF SP NOT SE)

                   Code # PLANS
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job)

4140        R17a.  Are you currently receiving benefit payments from any
                   retirement plans from this job?                            
4740        S17a.  Is (he/she) currently receiving benefit payments
                   from any retirement plans from this job?

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job)

4141        R17b.  I'll ask about the benefits later.  Are there any
                   retirement or savings plans from this job where you are
                   not yet drawing benefit payments?                          
4741        S17b.  I'll ask about the benefits later.  Are there any
                   retirement or savings plans from this job where (he/she)   
                   are not yet drawing benefit payments?

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job, not
                       receiving benefits from any plans on main job)

4201       R17c./R18.  How many such plans do you have? (ASKED IF SOME
                       PLANS ON MAIN JOB NOT CURRENLY PAYING BENEFITS,
                       INFERRED FOR OTHER CASES WITH PLANS)
4801       S17c./S18.  How many such plans does (he/she) have? (ASKED IF SOME
                       PLANS ON MAIN JOB NOT CURRENLY PAYING BENEFITS,
                       INFERRED FOR OTHER CASES WITH PLANS)

                       Code # PLANS--NOT YET RECEIVING BENEFITS
                       0.  Inap. (No spouse, not currently working,
                           not included in pension plan on main job,
                           receiving benefits from all plans on main job)

4202(1)     R19.   (Is this/About the (next) most important of these plans,
4302(2)            is it) a pension or retirement plan, or a tax-deferred
4402(3)            savings plan of some sort?  (IF R ASKS: 401-K, 403-B,
                   ESOP, SRA, THRIFT/SAVINGS, STOCK/PROFIT SHARING ARE ALL
                   TAX-DEFERRED SAVINGS PLANS.)                               
4802(1)     S19.   (Is this/About the (next) most important of these plans,
4902(2)            is it) a pension or retirement plan, or a tax-deferred
5002(3)            savings plan of some sort?  (IF R ASKS: 401 K, 403 B,
                   ESOP, SRA, THRIFT/SAVINGS, STOCK/PROFIT SHARING ARE ALL   
                   TAX DEFERRED SAVINGS PLANS.)    

                   1.  PENSION OR RETIREMENT
                   2.  TAX-DEFERRED SAVINGS
                  -7.  OTHER
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job,
                       receiving benefits from all plans on main job,
                       no further plans)

4203(1)    R20.   (RB, P. 12) I would like to know what general type of plan
4303(2)            this is.  (In the most common pension or retirement plan,
4403(3)            Type A, the amount of the benefit is usually based on a
                   formula involving age, years of service and salary.  In
                   other plans, Type B, money is accumulated in an account
                   for you until your retirement.)  Is your (first/next) plan
                   like Type A or Type B? ("2" FILLED IN HERE IF R19=2)
4803(1)    S20.   (RB, P. 12) I would like to know what general type of plan
4903(2)            this is.  (In the most common pension or retirement plan,
5003(3)            Type A, the amount of the benefit is usually based on a
                   formula involving age, years of service and salary.  In
                   other plans, Type B, money is accumulated in an account
                   for you until your retirement.)  Is (his/her) (first/next)
                   plan like Type A or Type B? ("2" FILLED IN HERE IF S19=2)

                   1.  TYPE A (FORMULA)
                   2.  TYPE B (ACCOUNT)
                   3.  BOTH A & B
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job,
                       receiving benefits from all plans on main job,
                       no further plans)

FORMULA-TYPE PENSIONS AND MIXTURE PLANS

4204(1)     R21.   (Not using the booklet.)  For that part of your plan where
4304(2)            money is accumulated in an account, how much is in the
4404(3)            account?                                                   
4804(1)     S21.   For that part of (his/her) plan where money is accumulated
4904(2)            in an account, how much is in the account?
5004(3)
                   Code actual amount
                   -1.  Zero; nothing yet
                    0.  Inap. (No spouse, not currently working,
                        not included in pension plan on main job,
                        receiving benefits from all plans on main job,
                        no further plans, plan not like both types A
                        and B)

4205(1)     R22.  Do you currently make contributions to this plan?
4305(2)           (IF R ASKS: INCLUDE CONTRIBUTIONS THROUGH SALARY
4405(3)           DEDUCTIONS, UNION DUES OR OTHER SOURCES)                   
4805(1)     S22.  Does (he/she) currently make contributions to this plan?   
4905(2)           (IF R ASKS: INCLUDE CONTRIBUTIONS THROUGH SALARY   
5005(3)           DEDUCTIONS, UNION DUES OR OTHER SOURCES)

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job,
                       receiving benefits from all plans on main job,
                       no further plans, plan not like type A/A&B)

4206(1)     R23.   What percent of your pay or amount of money per month or
4306(2)            year do you currently contribute?--PERCENT                 
4406(3)
4806(1)     S23.   What percent of (his/her) pay or amount of money per
4906(2)            month or year does (he/she) currently contribute?  PERCENT
5006(3)
                   Code PERCENT to 2 decimal places
                   -7. Percent calculated from lump sum amount
                    0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job,
                       receiving benefits from all plans on main job,
                       no further plans, plan not like type A/A&B,
                       R/S does not make contributions)

4207(1)     R23.   What percent of your pay or amount of money per month or
4307(2)            year do you currently contribute?--AMOUNT                  
4407(3)
4807(1)     S23.   What percent of (his/her) pay or amount of money per month
4907(2)            or year does (he/she) currently contribute?  AMOUNT
5007(3)
                   Code actual amount
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job,
                       receiving benefits from all plans on main job,
                       no further plans, plan not like type A/A&B,
                       R/S does not make contributions)

4208(1)    R23.   PER                                                        
4308(2)
4408(3)
4808(1)    S23.   PER
4908(2)
5008(3)
                   1.  Day
                   2.  Week
                   3.  Biweekly
                   4.  Month
                   5.  Quarter
                   6.  Year
                  -7.  Other
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job,
                       receiving benefits from all plans on main job,
                       no further plans, plan not like type A/A&B
                       R/S does not make contributions)

4209(1)     R24.   At what age do you expect to start receiving benefits from
4309(2)            this plan?                                                 
4409(3)
4809(1)     S24.   At what age does (he/she) expect to start receiving
4909(2)            benefits from this plan?
5009(3)
                   Code AGE
                   -1.  DON'T EXPECT BENEFITS
                    0.  Inap. (No spouse, not currently working,
                        not included in pension plan on main job,
                        receiving benefits from all plans on main job,
                        no further plans, plan not like type A/A&B)

4210(1)    R25.   About how much do you expect your benefits to be?  (As a
4310(2)           proportion of your pay at retirement, or as an amount per
4410(3)           month or year when you start receiving them?)--AMOUNT      
4810(1)    S25.   About how much does (he/she) expect (his/her) benefits
4910(2)           to be?  [As a proportion of (his/her) pay at retirement,
5010(3)           or as an amount per month or year when (he/she) starts   
                  receiving them?]

                  Code actual amount
                  0.  Inap. (No spouse, not currently working,
                      not included in pension plan on main job,
                      receiving benefits from all plans on main job,
                      no further plans, plan not like type A/A&B, R/S
                      does not expect benefits)

4211(1)     R25.   PER                                                        
4311(2)
4411(3)
4811(1)     S25.   PER
4911(2)
5011(3)
                   1.  Day
                   2.  Week
                   3.  Biweekly
                   4.  Month
                   5.  Quarter
                   6.  Year
                  -7.  Other
                   8.  Lump sum; one payment only
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job,
                       receiving benefits from all plans on main job,
                       no further plans, plan not like type A/A&B, R/S
                       does not expect benefits)

4212(1)    R25.   About how much do you expect your benefits to be?  (As a
4312(2)           proportion of your pay at retirement, or as an amount per
4412(3)           month or year when you start receiving them?)--PERCENT     
4812(1)    S25.   About how much does (he/she) expect (his/her) benefits
4912(2)           to be?  [As a proportion of (his/her) pay at retirement,
5012(3)           or as an amount per month or year when (he/she) starts   
                  receiving them?]  PERCENT

                   Code PERCENT to 2 decimal places
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job,
                       receiving benefits from all plans on main job,
                       no further plans, plan not like type A/A&B, R/S
                       does not expect benefits)

4213(1)     R26.   If you were to (leave this job/sell this business) now,
4313(2)            would you start receiving a monthly or annual pension
4413(3)            benefit now, would you receive one later, would you get a
                   cash settlement now, would you get nothing or what?  (IF R
                   SAYS "ROLL OVER" MARK "CASH SETTLEMENT".)                  
4813(1)     S26.   If (he/she) were to (leave this job/sell this business)
4913(2)            now, would (he/she) start receiving a monthly or annual
5013(3)            pension benefit now, would (he/she) receive one later,
                   would (he/she) get a cash settlement now, would (he/she)
                   get nothing or what?  (IF R SAYS "ROLL OVER" MARK "CASH   
                   SETTLEMENT".)

                   1.  Monthly or annual BENEFIT NOW      If multiple 
                   2.  Monthly or annual BENEFIT LATER    checks, code
                                                          smallest #  
                   3.  CASH SETTLEMENT now; "Roll Over"   checked.    
                   4.  NOTHING                            
                  -7.  OTHER incl. any combinations; "lump sum later"
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job,
                       receiving benefits from all plans on main job,
                       no further plans, plan not like type A/A&B)

4214(1)    R26a.  About how much per month would you receive?                
4314(2)
4414(3)
4914(1)   S26a.   About how much per month would (he/she) receive?
4914(2)
5014(3)
                   Code $ amount
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job,
                       receiving benefits from all plans on main job,
                       no further plans, plan not like type A/A&B,
                       if R/S left job now would get cash settlement/
                       nothing/other)

ACCOUNT-TYPE PENSIONS

4216(1)    R28.   (Could you tell me a little more about this plan?)  Is it
4316(2)           a thrift or savings plan, a 401K, a profit-sharing plan, a
4416(3)           stock purchase plan or what?                               
4816(1)    S28.   (Could you tell me a little more about this plan?) Is it
4916(2)           a thrift or savings plan, a 401K, a profit sharing plan, a
5016(3)           stock purchase plan or what?

                    1.  THRIFT OR SAVINGS; "Savings and Investment plan"
                    2.  401k/403b/SRA
                    3.  PROFIT SHARING
                    4.  STOCK PURCHASE, ESOP (Employee Stock Option Plan)
                    5.  Annuity; "insurance co."
                   11.  IRA; IRA/SEP
                   -7.  OTHER
                    0.  Inap. (No spouse, not currently working,
                        not included in pension plan on main job,
                        receiving benefits from all plans on main job,
                        no further plans, plan not like type B)

4217(1)     R29.   For how many years altogether have you been included in
4317(2)            this plan? (INCLUDE YEARS WITH OTHER EMPLOYERS, IF SAME
4417(3)            PLAN.)                                                     
4817(1)     S29.   For how many years altogether has (he/she) been included
4917(2)            in this plan? (INCLUDE YEARS WITH OTHER EMPLOYERS, IF SAME
5017(3)            PLAN.)

                   Code # YEARS
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job,
                       receiving benefits from all plans on main job,
                       no further plans, plan not like type B)

4218(1)     R30.   (Does your employer/Does the business) make contributions
4318(2)            to this plan?                                              
4418(3)
4818(1)     S30.   [Does (his/her) employer/Does the business] make   
4918(2)            contributions to this plan?
5018(3)
                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job,
                       receiving benefits from all plans on main job,
                       no further plans, plan not like type B)

4219(1)     R30a.  What percent of your pay or amount of money per month or
4319(2)            year does (your employer/the business) contribute?--
4419(3)            PERCENT                                                    
4819(1)     S30a.  What percent of (his/her) pay or amount of money per
4919(2)            month or year does [(his/her) employer/the business]   
5019(3)            contribute?  PERCENT

                   Code PERCENT to 2 decimal places
                   -7. Percent calculated from lump sum amount
                    0.  Inap. (No spouse, not currently working,
                        not included in pension plan on main job,
                        receiving benefits from all plans on main job,
                        no further plans, plan not like type B,
                        employer does not contribute to plan)

4220(1)     R30a.  What percent of your pay or amount of money per month or
4320(2)            year does (your employer/the business) contribute?--
4420(3)            AMOUNT                                                     
4820(1)     S30a.  What percent of (his/her) pay or amount of money per
4920(2)            month or year does [(his/her) employer/the business]   
5020(3)            contribute?  AMOUNT

                   Code actual amount
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job,
                       receiving benefits from all plans on main job,
                       no further plans, plan not like type B,
                       employer does not contribute to plan)

4221(1)     R30a.  PER                                                        
4321(2)
4421(3)
4821(1)     S30a.  PER
4921(2)
5021(3)
                   1.  Day
                   2.  Week
                   3.  Biweekly
                   4.  Month
                   5.  Quarter
                   6.  Year
                  -7.  Other
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job,
                       receiving benefits from all plans on main job,
                       no further plans, plan not like type B,
                       employer does not contribute to plan)

4222(1)     R31.   Do you currently make contributions to this plan? (IF R
4322(2)            ASKS: INCLUDE CONTRIBUTIONS THROUGH SALARY DEDUCTIONS,
4422(3)            UNION DUES, OR OTHER SOURCES.)                             
4822(1)     S31.   Does (he/she) currently make contributions to this plan?
4922(2)            (IF R ASKS: INCLUDE CONTRIBUTIONS THROUGH SALARY   
5022(3)            DEDUCTIONS, UNION DUES, OR OTHER SOURCES.)

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job,
                       receiving benefits from all plans on main job,
                       no further plans, plan not like type B)

4223(1)     R31a.  What percent of your pay or amount of money per month or
4323(2)            year do you currently contribute?--PERCENT                 
4423(3)
4823(1)     S31a.  What percent of (his/her) pay or amount of money per month
4923(2)            or year does (he/she) currently contribute?  PERCENT
5023(3)
                   Code PERCENT to 2 decimal places
                   -7. Percent calculated from lump sum amount
                    0.  Inap. (No spouse, not currently working,
                        not included in pension plan on main job,
                        receiving benefits from all plans on main job,
                        no further plans, plan not like type B,
                        R/S does not contribute to plan)

4224(1)     R31a.  What percent of your pay or amount of money per month or
4324(2)            year do you currently contribute?--AMOUNT                  
4424(3)
4824(1)     S31a.  What percent of (his/her) pay or amount of money per month
4924(2)            or year does (he/she) currently contribute?  AMOUNT
5024(3)
                   Code actual amount
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job,
                       receiving benefits from all plans on main job,
                       no further plans, plan not like type B,
                       R/S does not contribute to plan)

4225(1)     R31a.  PER                                                        
4325(2)
4425(3)
4825(1)     S31a.  PER
4925(2)
5025(3)
                   1.  Day
                   2.  Week
                   3.  Biweekly
                   4.  Month
                   5.  Quarter
                   6.  Year
                  -7.  Other
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job,
                       receiving benefits from all plans on main job,
                       no further plans, plan not like type B,
                       R/S does not contribute to plan)

4226(1)    R32.   Roughly how much money is in your account at present?      
4326(2)
4426(3)
4826(1)    S32.   Roughly how much money is in (his/her) account at present?
4926(2)
5026(3)
                   Code actual amount
                   -1.  Zero; none yet
                    0.  Inap. (No spouse, not currently working,
                        not included in pension plan on main job,
                        receiving benefits from all plans on main job,
                        no further plans, plan not like type B)

4227(1)     R33.   Can you borrow against that account?                       
4327(2)
4427(3)
4827(1)     S33.   Can (he/she) borrow against that account?
4927(2)
5027(3)
                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, not currently working,
                        not included in pension plan on main job,
                        receiving benefits from all plans on main job,
                        no further plans, plan not like type B)

4228(1)     R34.   Do you currently have a loan against that account?         
4328(2)
4428(3)
4828(1)     S34.   Does (he/she) currently have a loan against that account?
4929(2)
5028(3)
                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job,
                       receiving benefits from all plans on main job,
                       no further plans, plan not like type B,
                       cannot borrow aginst account)

4229(1)    R34a.  What is the amount of the loan balance?                    
4329(2)
4429(3)
4829(1)    S34a.   What is the amount of the loan balance?
4929(2)
5029(3)            Code actual amount
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job,
                       receiving benefits from all plans on main job,
                       no further plans, plan not like type B,
                       cannot borrow against account, no loan against
                       account)

4230(1)     R34b.  Did you tell me about this loan earlier?                   
4330(2)
4430(3)
4830(1)     S34b.  Did you tell me about this loan earlier?
4930(2)
5030(3)
                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job,
                       receiving benefits from all plans on main job,
                       no further plans, plan not like type B,
                       cannot borrow against account, no loan against
                       account)

4231(1)     R35.   If you needed money in an emergency, could you withdraw
4331(2)            some of the funds in that account?  (CHECK "YES" EVEN IF
4431(3)            WITHDRAWAL INVOLVES PENALTY.)                              
4831(1)     S35.   If (he/she) needed money in an emergency, could (he/she)
4931(2)            withdraw some of the funds in that account?  (CHECK "YES"
5031(3)            WITHDRAWAL INVOLVES PENALTY.)

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job,
                       receiving benefits from all plans on main job,
                       no further plans, plan not like type B)

4232(1)    R36.   If you were to (leave this job/sell the business) now,
4332(2)           would you lose all, some, or none of the money in this
4432(3)           account?                                                   
4832(1)    S36.   If (he/she) were to (leave this job/sell the business)
4932(2)           now, would (he/she) lose all, some, or none of the money   
5032(3)           in this account?

                   1.  ALL
                   3.  SOME
                   5.  NONE
                  -7.  OTHER
                   0.  Inap. (No spouse, not currently working,
                       not included in pension plan on main job,
                       receiving benefits from all plans on main job,
                       no further plans, plan not like type B)

4233(1)     R36a.  What proportion would you lose?                            
4333(2)            (ASKED IF R36=SOME OR OTHER, FILLED IN IF R36=ALL
4433(3)            OR NONE)
4833(1)     S36a.  What proportion would (he/she) lose?
4933(2)            (ASKED IF S36=SOME OR OTHER, FILLED IN IF S36=ALL
5033(3)            OR NONE)

                   Code PERCENT to 2 decimal places
                   -1.  Nothing
                   -7.  Other including $ amount
                    0.  Inap. (No spouse, not currently working,
                        not included in pension plan on main job,
                        receiving benefits from all plans on main job,
                        no further plans, plan not like type B)

4234(1)    R37.   How is the money in this account invested? Is it mostly in
4334(2)           stocks, mostly in interest earning assets, is it split
4434(3)           between these, or what?                                    
4834(1)    S37.   How is the money in this account invested? Is it mostly in
4934(2)           stocks, mostly in interest earning assets, is it split   
5034(3)           between these, or what?

                   1.  MOSTLY OR ALL STOCK
                   2.  MOSTLY OR ALL INTEREST EARNING
                   3.  SPLIT
                  -7.  OTHER
                   0.  Inap. (No spouse, not currently working,
                        not included in pension plan on main job,
                        receiving benefits from all plans on main job,
                        no further plans, plan not like type B)

4436       R39.   (IF 4 OR MORE)  Altogether how much do you have in your
                  account balance(s) for any other pension plans or savings
                  plan(s) from this job?                                     
5036       S39.   (IF 4 OR MORE)  Altogether how much does (he/she) have
                  in (his/her) account balance(s) for any other pension plans
                  or savings plan(s) from this job?

                   Code actual amount
                   -1.  NOTHING
                    0.  Inap. (No spouse, not currently working,
                        not included in pension plan on main job,
                        receiving benefits from all plans on main job,
                        no further plans)

4437       R39a.  Altogether, what other benefit payments do you expect to
4438              receive from (this/these) other pension plan(s) from this
                  job?                                                       
5037       S39a.  Altogether, what other benefit payments does (he/she)   
5038              expect to receive from (this/these) other pension plan(s)
                  from this job?

                   -1.  NONE
                   -7.  OTHER
                    0.  Inap. (No spouse, not currently working,
                        not included in pension plan on main job,
                        receiving benefits from all plans on main job,
                        no further plans, account balance given at R/S39)

-----------------------------------------------------------------------------
SECOND JOBS
-----------------------------------------------------------------------------

4501        R40.   Are you doing any other work for pay now, such as a second
                   job, the military reserves, or (another) business of your
                   own?                                                       
5101        S40.   Is (he/she) doing any other work for pay now, such as a
                   second job, the military reserves, or (another) business   
                   of (his/her) own?

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, not currently working)

            R40a.  Is this a second job, the military reserves, your own
                   business, or what?  (CHECK ALL THAT APPLY.)
4502        R40a.  A. SECOND JOB                                              
4503        R40a.  B. MILITARY (Reserves including Cost Guard, National Guard
                      Service)
4504        R40a.  C. BUSINESS                                                
4505        R40a.  D. OTHER:                                                  
            S40a.  Is this a second job, the military reserves, (his/her)
                   own business, or what?  (CHECK ALL THAT APPLY.)   
5102        S40a.  A. SECOND JOB
5103        S40a.  B. MILITARY (Reserves including Cost Guard, National Guard
                      Service)
5104        S40a.  C. BUSINESS
5105        S40a.  D. OTHER:

                   1.  Checked                              
                   5.  Not checked
                   0.  Inap. (No spouse, not currently working, no
                       second job)

4506        R40b.  IWER: IF BUSINESS IS ONE OF THE BUSINESSES REPORTED IN
                   SECTION M, MARK BOX.                                       
5106        S40b.  IWER: IF BUSINESS IS ONE OF THE BUSINESSES REPORTED IN
                   SECTION M, MARK BOX.                                       

                   Precoded by Editor in green
                   1.    This job associated with Bus #1 at M5a
                   2.     "    "      "       "   Bus #2 "   "
                   3.     "    "      "       "   Bus #3 "   "
                   4.    This job is associated with business listed at M5a,
                         BUT it is a) a business beyond #3 (at M19a-c) or (b)
                         associated with more than one M5a business or
                         (c) NA which business
                   5.    Job not associated with a business at M5a-M19c or a
                         property at E5; NO businesses listed in M5a-M19c and
                         no properties listed at E15
                   6.    (Not codeable in 1-4) R's "second" job is associated
                         with a property in Section E
                   0.    Inap. (No spouse, not currently working, no
                         second job)

4507       R41.   How many hours do you work on these other jobs in a normal
                  week?                                                      
5107       S41.   How many hours does (he/she) work on these other jobs in a
                  normal week?

                   Code # HOURS
                   -2.  95 hours or more; "all the time"; "24 hours a day"
                   -1.  None; hours accounted for in main job
                    0.  Inap. (No spouse, not currently working, no
                        second job)

4508        R42.   Counting paid vacations as weeks of work, how many weeks
                   do you work on these other jobs in a normal year?          
5108        S42.   Counting paid vacations as weeks of work, how many weeks
                   does (he/she) work on these other jobs in a normal year?

                   Code # WEEKS
                   0.  Inap. (No spouse, not currently working, no
                       second job)

4509        R43.   About how much do you earn before taxes from these other
                   jobs?  (Is that per hour, week, month, year, or what?)     
5109        S43.   About how much does (he/she) earn before taxes from
                   these other jobs?  (Is that per hour, week, month, year,
                   or what?)

                   Code actual amount
                   -1.  Zero; Nothing yet; Unpaid work in family
                        business/farm
                    0.  Inap. (No spouse, not currently working, no
                        second job)

4510        R43.   PER
5110        R43.   PER

                   1.  Day
                   2.  Week
                   3.  Biweekly
                   4.  Month
                   5.  Quarter
                   6.  Year
                  -7.  Other
                   8.  Wages per hour edited to $ per week
                   0.  Inap. (No spouse, not currently working, no
                       second job)

4511        R44.   Thinking about all your current work for pay, do you
                   consider yourself to be working full-time or part-time? 
                   (IF R IS LAID OFF OR A SEASONAL WORKER, ASK ABOUT "JOBS
                   WHEN R IS WORKING".)                                       
5111        S44.   Thinking about all (his/her) current work for pay,
                   does(he/she) consider (himself/herself) to be working
                   full-time or part-time?  (IF S IS LAID OFF OR A SEASONAL
                   WORKER, ASK ABOUT "JOBS WHEN S IS WORKING".)

                   1.  FULL-TIME
                   2.  PART-TIME
                   0.  Inap. (No spouse, not currently working)

-----------------------------------------------------------------------------
WORK HISTORY
  The questions on employment history were asked directly of new
  survey respondents.  For households in the panel sample,  the
  answers to these questions has been inferred from the 1983 and 1986
  data .
-----------------------------------------------------------------------------
WORK HISTORY FOR THOSE CURRENTLY WORKING FULL-TIME

4512        R45.   (READ SLOWLY:)  Now I have a few questions about your past
                   jobs.  Including any periods of self-employment, the
                   military, and your current job, since you were 18, how
                   many years have you worked full-time for all or most of
                   the year?  (Roughly how many years?)                       
5112        S45.   (READ SLOWLY:)  Now I have a few questions about
                   (his/her)past jobs.  Including any periods of self-
                   employment, themilitary, and (his/her) current job,
                   since (he/she) was18, how many years has (he/she)
                   worked full-time for all or most of the year?
                   (Roughly how many years?)

                   Code # YEARS
                   -1.  NONE
                    0.  Inap. (No spouse, R/S44 not full-time)

4513        R45a.  Including any self-employment and your current job, for
                   how many different employers have you worked in full-time
                   jobs lasting one year or more?                             
                   (If R has worked on current job less than a year --
                   coded as 1 -- R45a can be 0 or 1.)
5113        S45a.  Including any selfemployment and (his/her) current job,
                   for how many different employers has (he/she) worked in
                   full-time jobs lasting one year or more?
                   (If S has worked on current job less than a year --
                   coded as 1 -- S45a can be 0 or 1.)

                   Code # EMPLOYERS
                   -1.  None; not yet worked a full time year
                    0.  Inap. (No spouse, R/S44 not full-time)

4514        R45b.  Now, not counting your current job, have you ever had a
                   full-time job that lasted for three years or more?         
5114        S45b.  Now, not counting (his/her) current job, has (he/she) ever
                   had a full-time job that lasted for three years or more?

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, R/S44 not full-time, less
                       than 1 year of full-time employment)

4515        R45c.  I want to know about the longest such job you had.  Did
                   you work for someone else, were you self-employed, or
                   what?                                                      
5115        S45c. I want to know about the longest such job (he/she) had.
                  Did (he/she) work for someone else, was (he/she) self-
                  employed, or what?

                   1.  SOMEONE ELSE
                   2.  SELF-EMPLOYED
                  -7.  Other
                   0.  Inap. (No spouse, R/S44 not full-time, no past
                       job of 3 or more years)

4516        R45d.  What sort of work were you doing when you left that job?  
                   (Tell me a little more about what you did.)                
5116        S45d.  What sort of work was (he/she) doing when (he/she) left
                   that job?  (Tell me a little more about what [he/she] did.)

                   Code 3-digit 1970 Census OCCUPATION Code
                   0.  Inap. (No spouse, R/S44 not full-time, no past
                       jobs of 3 or more years)

7405 (R)    R:     1980 occupation code
7415 (S)
                   Code 3-digit 1980 Census OCCUPATION Code
                   0.  Inap. (No spouse, R/S44 not full-time, no past
                       jobs of 3 or more years)

4517        R45e.  What kind of business or industry did you work in -- that
                   is, what did they make or do at the place where you
                   worked?                                                    
5117        S45e.  What kind of business or industry did (he/she) work in
                   -- that is, what did they make or do at the place where 
                   (he/she) worked?

                   Code 3-digit 1970 Census INDUSTRY Code
                   0.  Inap. (No spouse, R/S44 not full-time, no past
                       jobs of 3 or more years)

7406 (R)    R:     1980 industry code
7416 (S)
                   Code 3-digit 1980 Census INDUSTRY Code
                   0.  Inap. (No spouse, R/S44 not full-time, no past
                       jobs of 3 or more years)

4518       R45f.  When did you start working at that job?                    
5118       S45f.  When did (he/she) start working at that job?                    
                   Code YEAR
                   0.  Inap. (No spouse, R/S44 not full-time, no past
                       jobs of 3 or more years)

4519        R45g. When did you stop working at that job?                     
5119        S45g. When did (he/she) stop working at that job?

                   Code YEAR
                   -1.  Didn't stop; still working in this job
                    0.  Inap. (No spouse, R/S44 not full-time, no past
                       jobs of 3 or more years)

4520        R45h. About how much were you earning before taxes when you
                  stopped?  (Is that per hour, week, month, year, or what?)  
5120        S45h. About how much was (he/she) earning before taxes when
                  (he/she) stopped?  (Is that per hour, week, month, year,
                  or what?)

                   Code actual amount
                   0.  Inap. (No spouse, R/S44 not full-time, no past
                       jobs of 3 or more years)

4521       R45h.  PER
5121       S45h.  PER

                   1.  Day
                   2.  Week
                   3.  Biweekly
                   4.  Month
                   5.  Quarter
                   6.  Year
                  -7.  Other
                   8.  Wages per hour edited to $ per week
                   0.  Inap. (No spouse, R/S44 not full-time, no past
                       jobs of 3 or more years)

4522        R45j.  Since you were 18, have there been years when you only
                   worked part-time for all or most of the year?              
5122        S45j. Since (he/she) was 18, have there been years when (he/she)
                  only worked part-time for all or most of the year?

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, R/S44 not full-time)

4523        R45k.  About how many years in total did you work part-time for
                   all or most of the year?                                   
5123        S45k.  About how many years in total did (he/she) work part-time
                   for all or most of the year?

                   Code # YEARS
                   -1.  None
                    0.  Inap. (No spouse, R/S44 not full-time, never
                        worked part-time for most of a year)

4524        R45m.  Thinking now of the future, when do you expect to stop
                   working full-time?                                         
5124        S45m.  Thinking now of the future, when does (he/she) expect to
                   stop working full-time?

                   Code YEARS
                   -1.  NEVER STOP
                    0.  Inap. (No spouse, R/S44 not full-time)

4525        R45n.  Do you expect to work part-time after that?
5125        S45n.  Does (he/she) expect to work part-time after that?

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, R/S44 not full-time, never
                       expects to stop working full-time)

4526        R45p.  When do you expect to stop working altogether?             
5126        S45p.  When does (he/she) expect to stop working altogether?

                   Code YEARS
                   -1.  NEVER STOP
                    0.  Inap. (No spouse, R/S44 not full-time, never
                        expects to stop working full-time, does not
                        expect to work part-time after ending full-time work)

WORK HISTORY FOR THOSE CURRENTLY WORKING PART-TIME

4527        R46.   Now I have a few questions about your past jobs. 
                   Including any periods of self-employment, the military,
                   and your current job, since you were 18, about how many
                   years in total have you worked part-time for all or most
                   of the year?  (Roughly how many years?)                    
5127        S46.   Now I have a few questions about (his/her) past jobs.
                   Including any periods of self-employment, the military,
                   and (his/her) current job, since (he/she) was 18, about
                   how many years in total has (he/she) worked part-time for
                   all or most of the year?  (Roughly how many years?)

                   Code # YEARS
                   -1.  LESS THAN 1 YEAR
                    0.  Inap. (No spouse, R/S44 not part-time)

4528        R46a.  Since you were 18, have you ever worked full-time for pay
                   --including any self-employment and the military?          
5128        S46a.  Since (he/she) was 18, has (he/she) ever worked fulltime
                   for pay -- including any selfemployment and the military?

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, R/S44 not part-time)

4529        R46b.  How many years have you worked full-time for all or most
                   of the year?  (Roughly how many years?)                    
5129        S46b.  How many years has (he/she) worked full-time for all or
                   most of the year?  (Roughly how many years?)

                   Code # YEARS
                   -1.  None
                    0.  Inap. (No spouse, R/S44 not part-time, never
                        worked full-time)

4530       R46c.  INTERVIEWER CHECKPOINT                                     
5130
                   1.  R HAS WORKED AT LEAST 5 YEARS FULL-TIME OR DK
                   2.  ALL OTHERS
                   0.  Inap. (No spouse, R/S44 not part-time, never
                        worked full-time)

4531        R46d.  When did you last work full time for pay?                  
5131        S46d.  When did (he/she) last work full time for pay?

                   Code YEAR
                   0.  Inap. (No spouse, R/S44 not part-time, never
                       worked full-time, worked full-time 5 or more years)

4532        R46e.  About how much did you earn before taxes that year? (Is
                   that per hour, week, month, year, or what?)                
5132        S46e.  About how much did (he/she) earn before taxes that year?
                   (Is that per hour, week, month, year, or what?)

                   Code actual amount
                   0.  Inap. (No spouse, R/S44 not part-time, never
                       worked full-time, worked full-time 5 or more years)

4533       R46e.  PER
5133       S46e.  PER

                   1.  Day
                   2.  Week
                   3.  Biweekly
                   4.  Month
                   5.  Quarter
                   6.  Year
                  -7.  Other
                   8.  Wages per hour edited to $ per week
                   0.  Inap. (No spouse, R/S44 not part-time, never
                       worked full-time, worked full-time 5 or more years)

4534        R46f.  Including any self-employment and your current job, for
                   how many different employers have you worked in full-time
                   jobs lasting one year or more?                             
5134        S46f.  Including any self-employment and (his/her) current
                   job,for how many different employers has (he/she) worked
                   in full-time jobs lasting one year or more?

                   Code # EMPLOYERS
                   -1.  None
                    0.  Inap. (No spouse, R/S44 not part-time, never
                        worked full-time, worked full-time fewer than
                        5 years)

4535       R46g.  I want to know about the longest full-time job you had. 
                  Did you work for someone else, were you self-employed, or
                  what?                                                      
5135       S46g.  I want to know about the longest fulltime job (he/she)had.
                  Did (he/she) work for someone else, was (he/she)
                  self-employed, or what?

                   1.  SOMEONE ELSE
                   2.  SELF-EMPLOYED
                  -7.  OTHER
                   0.  Inap. (No spouse, R/S44 not part-time, never
                       worked full-time, worked full-time fewer than
                       5 years)

4536        R46h.  What sort of work were you doing when you left that job?  
                   (Tell me a little more about what you did.)                
5136        S46h.  What sort of work was (he/she) doing when (he/she) left
                   that job? (Tell me a little more about what [he/she] did.)

                   Code 3-digit 1970 Census OCCUPATION Code
                   0.  Inap. (No spouse, R/S44 not part-time, never
                       worked full-time, worked full-time fewer than
                       5 years)

7407 (R)    R:     1980 occupation code
7417 (S)
                   Code 3-digit 1980 Census OCCUPATION Code
                   0.  Inap. (No spouse, R/S44 not part-time, never
                       worked full-time, worked full-time fewer than
                       5 years)

4537        R46i.  What kind of business or industry did you work in -- that
                   is, what did they make or do at the place where you
                   worked?                                                    
5137        S46i.  What kind of business or industry did (he/she) work in
                   that is, what did they make or do at the place where
                   (he/she) worked?

                   Code 3-digit 1970 Census INDUSTRY Code
                   0.  Inap. (No spouse, R/S44 not part-time, never
                       worked full-time, worked full-time fewer than
                       5 years)

7408 (R)    R:     1980 industry code
7418 (S)
                   Code 3-digit 1980 Census INDUSTRY Code
                   0.  Inap. (No spouse, R/S44 not part-time, never
                       worked full-time, worked full-time fewer than
                       5 years)

4538       R46j.  When did you start working at that job?                    
5138       S46j.  When did (he/she) start working at that job?

                   Code YEAR
                   0.  Inap. (No spouse, R/S44 not part-time, never
                       worked full-time, worked full-time fewer than
                       5 years)

4539        R46k.  When did you stop working at that job?                     
5139        S46k.  When did (he/she) stop working at that job?

                   Code YEAR
                   -1.  Didn't stop; still working (part-time) at that job
                    0.  Inap. (No spouse, R/S44 not part-time, never
                        worked full-time, worked full-time fewer than
                        5 years)

4540        R46m.  About how much were you earning before taxes when you
                   stopped?  (Is that per hour, week, month, year, or what?)  
5140        S46m.  About how much was (he/she) earning before taxes when
                   (he/she) stopped?  (Is that per hour, week, month, year,
                   or what?)

                   Code actual amount
                   0.  Inap. (No spouse, R/S44 not part-time, never
                       worked full-time, worked full-time fewer than
                       5 years)

4541       R46m.  PER                                                        
5141       S46m.  PER

                   1.  Day
                   2.  Week
                   3.  Biweekly
                   4.  Month
                   5.  Quarter
                   6.  Year
                  -7.  Other
                   8.  Wages per hour edited to $ per week
                   0.  Inap. (No spouse, R/S44 not part-time, never
                       worked full-time, worked full-time fewer than
                       5 years)

4542        R46n.  When did you last work full-time for pay?                  
5142        S46n.  When did (he/she) last work fulltime for pay?
                   Code YEAR
                   0.  Inap. (No spouse, R/S44 not part-time, never
                       worked full-time, worked full-time fewer than
                       5 years)

4543        R46p.  Thinking now of the future, do you expect to do any full
                   -time work for pay?                                        
5143        S46p.  Thinking now of the future, does (he.she) expect to do
                   any full-time work for pay?                                        

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, R/S44 not part-time)

4544       R46q.  When do you expect to start working full-time?             
5144       S46q.  When does (he/she) expect to start working full-time?

                   Code # YEARS
                   0.  Inap. (No spouse, R/S44 not part-time, does not
                       expect to work full-time in future)

4545        R46r.  And when do you expect to stop working full-time?          
5145        S46r.  And when does (he/she) expect to stop working full-time?

                   Code # YEARS
                   -1.  NEVER STOP
                    0.  Inap. (No spouse, R/S44 not part-time, does not
                        expect to work full-time in future)

4546        R46s.  When do you expect to stop working for pay altogether?     
5146        S46s.  When does (he/she) expect to stop working for pay
                   altogether?

                   Code # YEARS
                   -1.  NEVER STOP
                    0.  Inap. (No spouse, R/S44 not part-time, never
                        expects to stop full-time work)

WORK HISTORY FOR THOSE CURRENTLY RETIRED/DISABLED, HOMEMAKER, STUDENT,
OR OTHER                    

4601        R47.   Since you were 18 have you ever worked full-time for pay?  
5201        S47.   Since (he/she) was 18 has (he/she) ever worked full time
                   for pay?

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, currently working)

4602        R47a.  How many years have you worked full-time for all or most
                   of the year?  Include any periods of self-employment, and
                   the military.  (Roughly how many years?)                   
5202        S47a.  How many years has (he/she) worked full time for all or
                   most of the year?  Include any periods of self-employment,
                   and the military.  (Roughly how many years?)

                   Code # YEARS
                   -1.  None
                    0.  Inap. (No spouse, currently working, never
                        worked full-time)

4603        R47b.  INTERVIEWER CHECKPOINT
5203        S47b.  INTERVIEWER CHECKPOINT

                   1.  R HAS WORKED AT LEAST 5 YEARS FULL-TIME OR DK 
                   2.  ALL OTHERS
                   0.  Inap. (No spouse, currently working, never
                       worked full-time)

4604        R47c.  When did you last work full-time for pay?                  
5204        S47c.  When did (he/she) last work full time for pay?

                   Code YEAR
                   0.  Inap. (No spouse, currently working, never
                       worked full-time, worked full-time 5 years or more)

4605        R47d.  About how much did you earn before taxes that year? (Is
                   that per hour, week, month, year, or what?)
5205        S47d.  About how much did (he/she) earn before taxes that year?   
                   (Is that per hour, week, month, year, or what?)

                   Code actual amount
                   0.  Inap. (No spouse, currently working, never
                       worked full-time, worked full-time 5 years or more)

4606        R47d.  PER                                                        
5206        S47d.  PER

                   1.  Day
                   2.  Week
                   3.  Biweekly
                   4.  Month
                   5.  Quarter
                   6.  Year
                  -7.  Other
                   8.  Wages per hour edited to $ per week
                   0.  Inap. (No spouse, currently working, never
                       worked full-time, worked full-time 5 years or more)

4607        R47e.  Including any self-employment and your current job, for
                   how many different employers have you worked in full-time
                   jobs lasting one year or more?                             
5207        S47e.  Including any self-employment and (his/her) current job,
                   for how many different employers has (he/she) worked in 
                   full-time jobs lasting one year or more?

                   Code # EMPLOYERS
                   -1.  None
                    0.  Inap. (No spouse, currently working, never
                       worked full-time, worked full-time less than
                       5 years)

4608        R47f.  I want to know about the longest full-time job you had. 
                   Did you work for someone else, were you self-employed, or
                   what?                                                      
5208        S47f.  I want to know about the longest full-time job (he/she)
                   had.  Did (he/she) work for someone else, was (he/she)    
                   self-employed, or what?

                   1.  SOMEONE ELSE
                   2.  SELF-EMPLOYED
                  -7.  OTHER
                   0.  Inap. (No spouse, currently working, never
                       worked full-time, worked full-time less than
                       5 years)

4609        R47g.  What sort of work were you doing when you left that job?  
                   (Tell me a little more about what you did.)                
5209        S47g.  What sort of work was (he/she) doing when (he/she) left   
                   that job?  (Tell me a little more about what [he/she]
                   did.)

                   Code 3-digit 1970 Census OCCUPATION Code
                   0.  Inap.

7409 (R)    R:     1980 occupation code
7419 (S)
                   Code 3-digit 1980 Census OCCUPATION Code
                   0.  Inap. (No spouse, currently working, never
                       worked full-time, worked full-time less than
                       5 years)

4610       R47h.  What kind of business or industry did you work in -- that
                  is, what did they make or do at the place where you
                  worked?                                                    
5210       S47h.  What kind of business or industry did (he/she) work in --
                  that is, what did they make or do at the place where    
                  (he/she) worked?

                   Code 3-digit 1970 Census INDUSTRY Code
                   0.  Inap. (No spouse, currently working, never
                       worked full-time, worked full-time less than
                       5 years)

7410 (R)    R:     1980 industry code
7420 (S)
                   Code 3-digit 1980 Census INDUSTRY Code
                   0.  Inap. (No spouse, currently working, never
                       worked full-time, worked full-time less than
                       5 years)

4611        R47i.  When did you start working at that job?                    
5211        S47i.  When did (he/she) start working at that job?

                   Code YEAR
                   0.  Inap. (No spouse, currently working, never
                       worked full-time, worked full-time less than
                       5 years)

4612        R47j.  When did you stop working at that job?                     
5212        S47j.  When did (he/she) stop working at that job?

                   Code YEAR
                   0.  Inap. (No spouse, currently working, never
                       worked full-time, worked full-time less than
                       5 years)

4613       R47k.  About how much were you earning before taxes when you
                  stopped?  (Is that per hour, week, month, year, or what?)  
5213       S47k.  About how much was (he/she) earning before taxes when
                  (he/she) stopped?  (Is that per hour, week, month, year,   
                  or what?)

                   Code actual amount
                   -1.  Nothing; zero; "had a loss"
                    0.  Inap. (No spouse, currently working, never
                        worked full-time, worked full-time less than
                        5 years)

4614        R47k.  PER                                                        
5214        S47k.  PER

                   1.  Day
                   2.  Week
                   3.  Biweekly
                   4.  Month
                   5.  Quarter
                   6.  Year
                  -7.  Other
                   8.  Wages per hour edited to $ per week
                   0.  Inap. (No spouse, currently working, never
                       worked full-time, worked full-time less than
                       5 years)

4615       R47m.  Since you were 18, were there any years when you (only)
                  worked part-time for all or most of the year?              
5215       S47m.  Since (he/she) was 18, were there any years when (he/she)   
                  (only) worked part-time for all or most of the year?

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, currently working)

4616        R47n.  For about how many years did you work part-time (for all
                   or most of the year)?                                      
5216        S47n.  For about how many years did (he/she) work part-time (for   
                   all or most of the year)?

                   Code # YEARS
                   -1.  None
                    0.  Inap. (No spouse, currently working, never
                       worked part-time)

4617        R47p.  Do you expect to work for pay in the future?               
5217        S47p.  Does (he/she) expect to work for pay in the future?

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, currently working)

4618       R47q.  When do you expect to start working?                       
5218       S47q.  When does (he/she) expect to start working?

                   Code # YEARS
                    0.  Inap. (No spouse, currently working, does not
                        expect to work in future)

4619        R47r.  Will any of that be full-time work?                        
5219        S47r.  Will any of that be full-time work?

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, currently working, does not
                       expect to work in future)

4620        R47s.  When do you expect to start working full-time?             
5220        S47s.  When does (he/she) expect to start working full-time?

                   Code # YEARS
                    0.  Inap. (No spouse, currently working, does not
                        expect to work in future, does not expect to
                        work full-time in future)

4621        R47t.  And when do you expect to stop working full-time?          
5221        S47t.  And when does (he/she) expect to stop working full-time?

                   Code # YEARS
                   -1.  NEVER STOP
                    0.  Inap. (No spouse, currently working, does not
                        expect to work in future, does not expect to
                        work full-time in future)

4622        R47u.  When do you expect to stop working for pay altogether?     
5222        S47u.  When does (he/she) expect to stop working for pay
                   altogether?

                   Code # YEARS
                   -1.  NEVER STOP
                    0.  Inap. (No spouse, currently working, does not
                        expect to work in future, does not expect to
                        work full-time in future, never expects to
                        stop full-time work in future)

INFORMATION LINKED FROM 1989 CURRENT POPULATION SURVEY BY OCCUPATION CODE
FOR PRIOR JOB

8171 (R)    R:    Unconditional mean wage for occupation group in 1989
8172 (S)

     For each occupation group, regressions were run separately for
     males and females of the log of annualized wages on a constant,
     a spline on age (AGE, MAX(0, AGE-35), MAX(0,AGE-55)), a dummy
     variable for part-time employemnt (1 = working 20 or fewer hours
     per week), a dummy variable for self-employment (1 = self-
     employed), a dummy for race (1 = Hispanic or non-white), and
     dummy variables for years of education (1 = : 12 years of
     education, more than 13 to 15 years of education, 16 years of
     education, more than 16 years of education).  If there were
     too few people in a CPS 3-digit occupation group, either the SCF
     case was matched to a neighboring occupation group, or the match
     was made at the level of the 2-digit occupation code.  Some of
     the model coefficients may be identically zero where there are
     too few cases in the appropriate cells in the CPS to identify the
     coefficients.

8125 (R)    R:    Intercept
8126 (S)

8119 (R)    R:    Coefficient of AGE
8120 (S)

8121 (R)    R:    Coefficient of MAX(0,AGE-35)
8122 (S)

8123 (R)    R:    Coefficient of MAX(0,AGE-55)
8124 (S)

8332 (R)    R:    Coefficient of dummy for part-time employment
8333 (S)

8334 (R)    R:    Coefficient of dummy for self-emlpoyment
8335 (S)

8336 (R)    R:    Coefficient of dummy for Hispanic or nonwhite
8337 (S)

8338 (R)    R:    Coefficient of dummy for 12 years of education
8339 (S)

8340 (R)    R:    Coefficient of dummy for 13 to 15 years of education
8341 (S)

8342 (R)    R:    Coefficient of dummy for 16 years of education
8343 (S)

8344 (R)    R:    Coefficient of dummy for more than 16 years of education
8345 (S)

8127 (R)    R:    Standard error log regression
8128 (S)

8129 (R)    R:    Annualized level of expected income from regression
8130 (S)          (corrected for non-zero expectation of error term
                  for level)

-----------------------------------------------------------------------------
SOCIAL SECURITY, CURRENTLY RECEIVED PENSIONS, PENSIONS TO BE RECEIVED
IN THE FUTURE
-----------------------------------------------------------------------------

5301        R50.   Are you (or your [husband/wife]) currently receiving
                   Social Security benefit payments, or any other type of
                   pension, retirement, or disability benefit payment?        

                   1.  YES
                   5.  NO

5302        R50a.  (Do these include Social Security benefit payments?)       

                   1.  YES
                   5.  NO
                   0.  Inap. (Not receiving pension or Social Security
                       income)

            R50b.  (Are you both receiving Social Security payments or is
                   only one of you?  [Which one?])
                   IWER: CHECK PERSON(S) (RESP, SPOUSE) IN R50c.  THEN ASK
                         FOLLOWUP QUESTIONS R50d-R50f FOR EACH. 
5303        R50c.  RECIPIENT -- RESPONDENT                                    
5308        R50c.  RECIPIENT -- SPOUSE                                        

    
                   1.  Checked
                   5.  Not checked (including no spouse)
                   0.  Inap. (not receiving pension or Social Security
                       benefits: X5301^=1; not receiving Social Security:
                       X5302^=1)

5304        R50d.  Are (your/your [husband's/wife's] payments for retirement
5309               or are they disability benefits?                           

                   1.  RETIREMENT
                   2.  DISABILITY
                   3.  Widow's/survivor's benefits
                  -7.  Other
                   0.  Inap. (Not receiving pension or Social Security
                       income, no spouse, PERSON not receiving Social
                       Security benefits)
                   For the public use dataset, Widow's/survivor's
                   benefits (3) are combined with Other (-7) in -7.

5305        R50e.  How long (have you/has he/has she) received these
5310               benefits?                                                  

                   Code # YEARS
                   0.  Inap. (Not receiving pension or Social Security
                       income, no spouse, PERSON not receiving Social
                       Security benefits)

5306       R50f.  How much (do you/does he/does she) receive each month or
5311               year?                                                      

                   Code actual amount
                   0.  Inap. (Not receiving pension or Social Security
                       income, no spouse, PERSON not receiving Social
                       Security benefits)

5307        R50f.  PER                                                        
5312
                   2.  Week
                   3.  Biweekly
                   4.  Month
                   5.  Quarter
                   6.  Year
                  -7.  Other
                   0.  Inap. (Not receiving pension or Social Security
                       income, no spouse, PERSON not receiving Social
                       Security benefits)

5313        R51.   Are you (or your [husband/wife]) currently receiving any
                   other retirement, pension, or disability benefit payments?

                   1.  YES
                   5.  NO
                   0.  Inap.

5314       R51a.  Not counting Social Security, how many retirement, pension
                   or disability benefit payments are you (and your
                   [husband/wife]) currently receiving? (ASKED IF R/S
                   RECEIVING SOCIAL SECURITY BENEFITS, INFERRED FOR OTHERS)

                   Code # PENSION/DISABILITY PAYMENTS
                   0.  Inap. (Not receiving pension or Social Security
                       income)

            R51b.  (RB, P. 13)  Who is receiving these benefit payments and
                   what kind are they?
                   IWER: MARK ONE RECIPIENT AND TYPE OF BENEFIT FOR ALL
                         BENEFITS REPORTED. THEN ASK FOLLOWUP QUESTIONS R51d-
                         R51h FOR EACH BENEFIT.
5315(#1)           RECIPIENT                                                  
5323(#2)
5331(#3)           1.  RESPONDENT
5415(#4)           2.  SPOUSE
5423(#5)           0.  Inap. (Not receiving pension or Social Security
                       income, no spouse)
5431(#6)

5316(#1)   R51c.  TYPE OF BENEFIT                                            
5324(#2)
5332(#3)            1.  CURR JOB PENS
5416(#4)            2.  PAST JOB PENS                       
5424(#5)            3.  DISABILITY
5432(#6)            4.  MILITARY (retirement or disability)
                    5.  SPOUSE PENS
                   11.  Union pension
                   -7.  OTHER
                    0.  Inap. (Not receiving pension or Social Security
                       income, no further benefits)
                    For the public use dataset, Union pension (2) and
                    Past job pension (2) are combined in 2.

5317(#1)    R51d.  How long have (you/he/she) received this [TYPE] benefit?   
5325(#2)
5333(#3)           Code # YEARS
5417(#4)           0.  Inap. (Not receiving pension or Social Security
5425(#5)               income, no further benefits)
5433(#6)

5318(#1)    R51e.  How much is received each month or year?                   
5326(#2)
5334(#3)           Code actual amount
5418(#4)           0.  Inap. (Not receiving pension or Social Security
5426(#5)               income, no further benefits)
5434(#6)

5319(#1)    R51e.  PER                                                        
5327(#2)
5335(#3)           2.  Week
5419(#4)           3.  Biweekly
5427(#5)           4.  Month
5435(#6)           5.  Quarter
                   6.  Year
                  -7.  Other
                   0.  Inap. (Not receiving pension or Social Security
                       income, no further benefits)

5320(#1)    R51f.  Has this benefit been increased when the cost of living
5328(#2)           has increased?                                             
5336(#3)
5420(#4)           1.  YES
5428(#5)           5.  NO
5436(#6)           0.  Inap. (Not receiving pension or Social Security
                       income, no further benefits)

5322(#1)   R51h.  If (RECIPIENT) were to die, what percent of this benefit
5330(#2)           would (you/your husband/your wife) continue to receive or
5338(#3)           would the benefits stop?                                   
5422(#4)
5430(#5)           Code PERCENT to 2 decimal places
5438(#6)           -1.  STOP
                   -7.  OTHER
                    0.  Inap. (Not receiving pension or Social Security
                       income, no further benefits, no spouse)

5501        R52.   Have you (or your [husband/wife]) ever received a cash
                   settlement from a pension or retirement plan of a previous
                   job?                                                       

                   1.  YES
                   5.  NO

5502        R52a.  How many different cash settlements have you (or your
                   [husband/wife]) received?                                  

                   Code # CASH SETTLEMENTS
                   0.  Inap. (No cash settlements)

           R52b.  FOR EACH SETTLEMENT:  Who received it, about how much was
                   received, and when was it received?

5503(#1)    R52b.  WHO                                                        
5506(#2)
5509(#3)           1.  RESPONDENT
5512(#4)           2.  SPOUSE
5515(#5)           0.  Inap. (No cash settlements, no further settlements)

5504(#1)    R52c.  AMOUNT                                                     
5507(#2)
5510(#3)           Code actual amount
5513(#4)           0.  Inap. (No cash settlements, no further settlements)
5516(#5)

5505(#1)    R52d.  YEAR RECEIVED                                              
5508(#2)
5511(#3)           Code YEAR
5514(#4)           0.  Inap. (No cash settlements, no further settlements)
5517(#5)

5601        R53.   Now I want to ask about future pension benefits that you
                   (and your[husband/wife]) have earned rights to.  Aside
                   from Social Security and any pension benefits you have
                   already told me about, do you (and your [husband/wife])
                   expect to receive any (other) pension benefits in the
                   future from any past jobs?                                 

                   1.  YES
                   5.  NO

5602        R53a.  How many such benefits do you (and your [husband/wife])
                   expect to receive in the future?                           

                   Code # FUTURE BENEFITS
                   0.  Inap. (No other future pension benefits)

5603(A)    R53b.  About (this/the largest/the next) benefit, is this from a
5611(B)            pension plan where a certain amount of money is
5619(C)            accumulated in an account for you, a formula plan that
5627(D)            will give you a specific amount of income each month or
5635(E)            year when you retire, or what?                             
5643(F)
                   1.  INCOME FORMULA
                   2.  ACCOUNT
                   3.  BOTH
                   0.  Inap. (No other future pension benefits, no
                       further future pension benefits)

5604(A)     R53c.  How much is in the account now?                            
5612(B)
5620(C)            Code actual amount
5628(D)            0. Inap. (No other future pension benefits, no
5636(E)               further future pension benefits, not account-type
5644(F)               pension)

5606(A)     R53e.  Is this benefit based on your earnings (or your
5614(B)            [husband's/wife's] earnings)?                              
5622(C)
5630(D)            1.  Respondent
5638(E)            2.  Spouse
5646(F)            3.  R's ex-spouse
                   4.  S's ex-spouse
                  -7.  OTHER
                   0.  Inap. (No other future pension benefits, no
                       further future pension benefits)

5607(A)     R53f.  When do you expect these benefits to start?                
5615(B)
5623(C)            Code AGE
5631(D)            0.  Inap. (No other future pension benefits, no
5639(E)                further future pension benefits)
5647(F)

5608(A)     R53g.  About how much per month do you expect them to be?         
5616(B)
5624(C)            Code $ amount
5632(D)            -1.  NONE
5640(E)             0.  Inap. (No other future pension benefits, no
5648(F)                 further future pension benefits)

5609(A)    R53g.  PER                                                        
5617(B)
5625(C)
5633(D)            2.  Week
5641(E)            3.  Biweekly
5649(F)            4.  Month
                   5.  Quarter
                   6.  Year
                  -7.  Other
                   8.  Lump sum; one payment only
                   0.  Inap. (No other future pension benefits, no
                       further future pension benefits)

-----------------------------------------------------------------------------
INCOME, AGI, MISC.
-----------------------------------------------------------------------------

            T1.    We have talked about various sources of income.  Now we
                   would like to get the overall picture of all the different
                   sources of income that you (and members of your family
                   living here) had in 1988.  Did (you/anyone) have income
                   from wages and salaries, including bonuses, overtime and
                   commissions?  (RECORD IN COLUMN T1 AND ASK T2 FOR EACH
                   SOURCE OF INCOME AS IT IS MENTIONED.)
5701        T1a.   WAGES AND SALARIES?                                        
5703        T1b.   Did (you/anyone) have income or loss from a professional
                   practice, business or farm? (Other than wages or
                   salaries)                                                  
5705        T1c.   ...non-taxable investments such as municipal bonds?        
5707        T1d.   ...other interest income?                                  
5709        T1e.   ...dividends?                                              
5711        T1f.   ...net gains or losses from the sale of stocks, bonds, or
                   real estate?                                               
5713        T1g.   ...net rent, trust income, or royalties from any other
                   investment or business?                                    
5715        T1h.   ...unemployment or worker's compensation?                  
5717        T1j.   ...child support or alimony?                               
5719        T1k.   Did (you/anyone) have income from ADC AFDC, food stamps,
                   or other forms of welfare or assistance, such as SSI?      
5721        T1m.   ...income from Social Security or other pensions,
                   annuities, or other disability or retirement programs?     

                   1.  YES
                   5.  NO

5702        T2a.   In total, how much income from (SOURCE) did you (and your
5704               family) receive in 1988, before deductions for taxes and
5706               anything else?  [WRITE LOSSES (  ).]                       
5708
5710               Code actual amount
5712               0.  Inap. (No SOURCE income)
5714
5716
5718
5720
5722

5723        T1n.   Did you (or anyone in your family living here) have income
                   from any other sources?  (What other sources?)             

                   1.  YES
                   5.  NO

5724(1st)  T2n.    In total, how much income from (SOURCE) did you (and your
5726(2nd)          family) receive in 1988, before deductions for taxes and
                   anything else?  [WRITE LOSSES (  ).]                       

                   Code actual amount
                   0.  Inap. (No other income, no additional sources
                       of other income)

5725(1st)  T1n.    PROBE: What other sources?
5727(2nd)
                    1.   Settlements: from lawsuits, divorce, insurance
                    2.   Gambling winnings; prize money
                    3.   Education scholarships or grants (not incl. loans);
                         G.I. Bill; "fellowships"     
                    4.   Honorarium
                   11.   "IRA", NFS; IRA withdrawal
                   12.   Inheritance/gifts            
                   13.   Other help/support from relatives
                   21.   Care of foster child in the home
                   22.   Housing subsidy/rent paid by some (gov't) agency
                   -7.   Other
                    0.   Inap. (No other income, no additional sources
                         of other income)
                   For the public use dataset, Education (3), Honoraria (4),
                   Care of foster children (21), and Other (-7) are
                   combined in -7.

5728               SUMMARY: # of Refused $ amounts T2a-T2n                    

                   Count and code

5729        T3.    How much was the total income you (and your family living
                   here) received in 1988 from all sources, before taxes and
                   other deductions were made?                                

                   Code actual amount
                   -1.  Zero; no income

8182        R:     Sum of values given in T2a through T2n

                   Code amount

5731       T5.    During 1988, did you (or anyone in your family living
                   here) pay any alimony or child support?                    

                   1.  YES
                   5.  NO

5732        T5a.   Altogether, how much alimony and/or child support did you
                   (and your family) pay in 1988?                             

                   Code actual amount
                   0.  Inap. (Paid no alimony or child support)

5733        T6.    During 1988, did you (or anyone in your family living
                   here) provide any (other) financial support for relatives
                   or friends who do not live here?                           

                   1.  YES
                   5.  NO

5734       T6a.   How much support did you (and your family) pay?            

                   Code actual amount
                   0.  Inap. (Provided no financial support)

            T6b.   To whom was this support given? (Anyone else?) (CHECK ALL
                   THAT APPLY.)
5735        T6b.   A. CHILDREN UNDER 18                                       
5736        T6b.   B. CHILDREN 18 AND OVER                                    
5737        T6b.   C. PARENTS (IN-LAW)                                        
5738        T6b.   D. GRANDCHILDREN                                           
5739        T6b.   E. GRANDPARENTS                                            
5740        T6b.   F. SIBLINGS (IN-LAW)                                       
5741        T6b.   G. NIECE/NEPHEW                                            
5742        T6b.   H. FRIEND                                                  
5743        T6b.   J. OTHER                                                   

                   1.  Checked                              
                   2.  Aunt/uncle (5743 only)
                   5.  Not checked
                   0.  Inap. (Provided no financial support)

5744        T7.    Did you (or your [husband/wife]) file or do you expect to
                   file a 1988 Federal Income tax return?                     

                   1.  YES
                   5.  NO

5746        T7b.   Did you and your (husband/wife) file a joint return, did
                   you file separately, or did only one of you file?  (Which
                   one?)                                                      

                   1.  FILE JOINTLY
                   2.  FILE SEPARATE
                   3.  ONLY R FILE
                   4.  ONLY S FILE
                   0.  Inap. (Did not file 1988 return, not married)

           T7c.   Did you (or your [husband/wife]) file a Schedule C, E or F
                   with your return?  (CHECK ALL THAT APPLY.)                 
                   (IF R ASKS: SCHEDULE "C" IS FOR BUSINESS INCOME, "E" IS
                   FOR TRUST AND PARTNERSHIP INCOME, AND "F" IS FOR FARM
                   INCOME.)
5747        T7c.   A. SCHED C                                                 
5748        T7c.   B. SCHED E                                                 
5749        T7c.   C. SCHED F                                                 
5750        T7c.   D. NO                                                      

                   1.  Checked                              
                   5.  Not checked
                   0.  Inap. (Did not file 1988 return)

5751        T7d.   Approximately what was your (and your [husband's/wife's])
                   total adjusted gross income (AGI) on your 1988 return?
                   (What do you think it will be?)                            

                   Code actual amount
                   -1.  Zero; nothing
                    0.  Inap. (Did not file 1988 return)

-----------------------------------------------------------------------------
INHERITANCES, MISC.
-----------------------------------------------------------------------------

5801        X1.    Have you (or your [husband/wife]) ever received an
                   inheritance, or been given substantial assets in a trust
                   or in some other form?                                     

                   1.  YES  (Include if mentioned, inheritances to
                       R's resident "dependent" children--if not from R
                       or spouse.
                   5.  NO                                  

5802        X2.    How many of these have you (or your [husband/wife]) ever
                   received?                                                  

                   Code # OF INHERITANCES, TRUSTS, OTHER TRANSFERS
                   0.  Inap. (Never received inheritances)
                   For the public use dataset, the number of inheritances
                   is top-coded at 10.

5803(#1)   X3.    (Thinking about the [largest/next largest] of these) was
5808(#2)           that an inheritance, a trust, or what? (CHECK ALL THAT
5813(#3)           APPLY.)                                                    

                   1.  INHERITANCE
                   2.  TRUST
                   3.  Gift
                   4.  Settlements; insurance; lawsuits
                   6.  Inheritance and trust (1 & 2 checked)
                  -7.  OTHER
                   0.  Inap. (Never received inheritances, no further
                       inheritances)
                   For the public use dataset, Settlements (4) and Other
                   (-7) are combined in -7; Inheritance and trust (6)
                   are combined with Inheritance (1) in 1.

5804(#1)    X4.    What was its approximate value at the time it was
5809(#2)           received?                                                  
5814(#3)
                   Code actual amount
                   -1.  Nothing; zero
                    0.  Inap. (Never received inheritances, no further
                        inheritances)

5805(#1)    X5.    In what year was it received?                              
5810(#2)
5815(#3)           Code YEAR
                   0.  Inap. (Never received inheritances, no further
                       inheritances)
                   For the public use dataset, the year is rounded to
                   the nearest 5.

5806(#1)   X6.    From whom was it received?                                 
5811(#2)
5816(#3)            1.  GRANDPARENT
                    2.  PARENT (incl. in-law or step-parent)
                    3.  CHILD
                    4.  AUNT/UNCLE
                    5.  SIBLING
                    6.  FRIEND
                    7.  Cousin
                   11.  Deceased spouse
                   12.  Deceased ex-spouse
                   -7.  OTHER
                    0.  Inap. (Never received inheritances, no further
                        inheritances)
                   For the public use dataset, Child (3) and Other (-7)
                   are combined in -7; Deceased spouses (11) and
                   Deceased ex-spouses (12) are combined in 11.

5818 (#4)   X8.    How much altogether were any others you have received?     

                   Code actual amount
                   0.  Inap. (Never received inheritances, no further
                       inheritances)

8183 (#1)   R:     Link code for inheritance/gift reported as source of
8184 (#2)          an asset earlier in the questionnaire
8185 (#3)          (For #4 only, multiple links may be established:
8186 (#4)          these links are coded by summing multiple link
                   codes multiplied by 100 -- e.g. 1506 indicates that
                   there were unlinked assets reported at X8, the
                   principal residence was inherited or received as a
                   gift, and all of these assets are included in
                   variable 5818))

                    1.  Mobile home site only (Question D11d)
                    2.  Mobile home only (Question D12c)
                    3.  Mobile home site only (Question D15b)
                    4.  Mobile home only (Question D15d)
                    5.  Mobile home and site (Question D15f)
                    6.  Other principal residence (Question D20)
                    7.  Other real estate (Question E20, property #1)
                    8.  Other real estate (Question E20, property #2)
                    9.  Other real estate (Question E20, property #3)
                   10.  Other vacation real estate (Question E36b)
                   11.  Other investment real estate (Question E37a)
                   12.  Active management business (Question M6,
                        business #1)
                   13.  Active management business (Question M6,
                        business #2)
                   14.  Active management business (Question M6,
                        business #3)
                   15.  No link identified
                    0.  Inap. (Never received inheritances, no further
                        inheritances)

5819       X9.    Do you (or your [husband/wife]) expect to receive a
                   substantial inheritance or transfer of assets in the
                   future?                                                    

                   1.  YES
                   5.  NO

5820        X9a.   Is that likely to involve a large amount of money, a
                   moderate amount, or what?                                  

                   1.  LARGE
                   2.  MODERATE
                   3.  Small (volunteered)
                  -7.  OTHER
                   0.  Inap. (Does not expect future inheritance)

5821        X9b.   IWER:  RECORD AMOUNT IF R VOLUNTEERS IT                    

                   Code actual amount
                   0.  Inap. (Does not expect future inheritance)

5822       X10.   During 1988, did you (or anyone in your family living
                   here) make charitable contributions of money or property
                   totaling $500 or more?                                     

                   1.  YES
                   5.  NO

5823        X10a.  Roughly, how much did (you/your family) contribute?        

                   Code actual amount
                   0.  Inap. (Did not make charitable contributions)

5824        X11.   Some people think it is important to leave an estate or
                   inheritance to their surviving heirs, while others don't. 
                   Which is closer to your (and your [husband's/wife's])
                   feelings?  Would you say it is very important, important,
                   somewhat important, or not important?                      

                   1.  VERY IMPORTANT
                   2.  IMPORTANT
                   3.  R & S DIFFER
                   4.  SOMEWHAT IMPORTANT
                   5.  NOT IMPORTANT

5825       X12.   Do you (and your [husband/wife]) expect to leave a
                   sizeable estate to others?                                 

                   1.  YES
                   3.  POSSIBLY
                   5.  NO

-----------------------------------------------------------------------------
MISC. DEMOGRAPHICS
-----------------------------------------------------------------------------

5901        Y1.    I'd now like to ask you some questions about your
                   background.  What is the highest grade of school or year
                   of college you completed?                                  
6101        Y17.   I'd now like to ask you some questions about your
                   (husband's/wife's/partner's) background.  What is the
                   highest grade of school or year of college (he/she)
                   completed?                                                 

                   Code number of years
                    0.  Inap. (No spouse)
                   -1.  No education

5902        Y1a.   Did you get a high school diploma or pass a high school
                   equivalency test?                                          
6102        Y17a.  Did (he/she) get a high school diploma or pass a high
                   school equivalency test?                                   

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, more than 12 years of education)

5903        Y1b.   Since completing your formal education, have you had on-
                   the-job training or other vocational training lasting 100
                   hours or more?                                             
6103        Y17b.  Since completing (his/her) formal education, has (he/she)
                   had on-the-job training or other vocational training
                   lasting 100 hours or more?                                 

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, more than 12 years of education)

5904       Y1c.   Did you get a college degree?                              
6104       Y17c.  Did (he/she) get a college degree?                         

                   1.  YES
                   5.  NO
                   0.  Inap. (No spouse, fewer than 12 years of education)

5905        Y1d.   What is the highest degree you have earned?                
6105        Y17d.  What is the highest degree (he/she) earned?                

                   1.  ASSOCIATES                     
                   2.  BACHELORS
                   3.  MA/MBA
                   4.  PHD
                   5.  MD; DDS
                   6.  LAW
                  -7.  OTHER
                   0.  Inap. (No spouse, fewer than 12 years of education,
                       no college degree)
                   For the public use dataset, PHD (4), MD; DDS (5), and
                   LAW (6) are combined in 4.

5906        Y2.    Have you ever been in the military service?                
6106        Y18.   Has (he/she) ever been in the military service?            

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

5907       Y3.    What is the month and year of your birth?--MONTH           
6107       Y19.   What is the month and year of (his/her) birth?--MONTH      

                   Code MONTH
                   0.  Inap. (No spouse)

5908        Y3.    What is the month and year of your birth?--YEAR            
6108        Y19.   What is the month and year of (his/her) birth?--YEAR       

                   Code YEAR
                   1890.  1890 or earlier
                      0.  Inap. (No spouse)

5909        Y4.    Are you American Indian, Asian, Hispanic, black, white, or
                   another race?                                              

                   1.  AMERICAN INDIAN/ESKIMO/ALEUT
                   2.  ASIAN
                   3.  HISPANIC
                   4.  BLACK
                   5.  WHITE
                  -7.  OTHER
                   For the public use file, American Indian/Eskimo/Aleut
                   and Asian are combined with the OTHER (-7) category.

5910        Y5.    Now I'd like to ask some questions about your family
                   living elsewhere.  Altogether, including children from
                   previous marriages and adopted children, how many sons and
                   daughters do you (or your [husband/wife]) have who do not
                   live with you?                                             

                   Code # CHILDREN
                   -1.  NONE
                    For the public use dataset, the number of such children
                    is top-coded at 10.

5911        Y5a.   How many of them are 25 or older?                          

                   Code # 25 OR OLDER
                   -2.  ALL OF THEM
                   -1.  NONE
                    0.  Inap. (No children outside home)
                    For the public use dataset, the number of such children
                    is top-coded at 10.

5912        Y5b.   And how many of them are less than 18 years old?           
                   (INFERRED WHERE Y5a = ALL OF THEM)

                   Code # LESS THAN 18
                   -2.  ALL OF THEM
                   -1.  NONE
                    0.  Inap. (No children outside home)
                    For the public use dataset, the number of such children
                    is top-coded at 10.

5913        Y6.    How many living brothers and sisters do you have?          
6109        Y20.   How many living brothers and sisters does (he/she) have?   

                   Code # BROTHERS/SISTERS
                   -1.  NONE
                    0.  Inap. (No spouse)
                    For the public use dataset, the number of such children
                    is top-coded at 10.

5914       Y6a.   How many are older than you?                               
6110       Y20a.  How many are older than (he/she) is?                       

                   Code # OLDER
                   -2.  ALL
                   -1.  NONE
                    0.  Inap. (No spouse, no living siblings)

6026       Y14.   Now I'd like to ask about your parents.  Is your mother
                  still living?                                              
6120       Y23.   Is your (husband's/wife's/partner's) mother still living?  

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

6027        Y14a.  What is her age?                                           
6121        Y23a.  What is her age?                                           

                   Code AGE
                   0.  Inap. (No spouse, mother not living)
                   For the public use dataset, the age is rounded
                   to the nearest 5.

6028        Y14b.  Is your father still living?                               
6122        Y23b.  Is your (husband's/wife's/partner's) father still living?  

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

6029        Y14c.  What is his age?                                           
6123        Y23c.  What is his age?                                           

                   Code AGE
                   0.  Inap. (No spouse, father not living)
                   For the public use dataset, the age is rounded
                   to the nearest 5.

-----------------------------------------------------------------------------
MARITAL HISTORY RECODE VARIABLES 
-----------------------------------------------------------------------------

  When sufficient underlying data were available, the following
  marital history variables were constructed directly.  For 1986 panel
  cases these variables were computed using marital history information
  obtained in 1986 SCF updated with new quesions; for new cross-section
  cases and those with no 1986 interview, these variables were computed
  using new questions.  Where sufficient data were not collected to
  infer this information directly, the missing information was imputed.
  See the panel and cross-section questionnaires for the underlying
  questions.

NOTE: Not all marital history variables are available on the
      public use dataset: see list of variables at the end of this
      file for the set of available variables.

8001 (R)   R:      Total number of marriages (incl. current partner)
8013 (S)
                   Code number
                   0.  None

8002 (R)   R:      Total number of times divorced
8014 (S)
                   Code number
                   0.  None; Inap.

8003 (R)   R:      Total number of times widowed
8015 (S)
                   Code number
                   0.  None; Inap.

8004       R:      Month current marriage or partnership began

                   Code month
                   0.  Inap.

8005       R:      Year current marriage or partnership began

                   Code year
                   0.  Inap.

8006 (R)   R:      Month most recent past marriage ended (or separated)

                   Code month
                   0.  Inap.

8007 (R)   R:      Year most recent past marriage ended (or separated)
8016 (S)
                   Code year
                   0.  Inap.

8008 (R)   R:      Year most recent past marriage began
8017 (S)
                   Code year
                   0.  Inap.

8009 (R)   R:      Year next most recent marriage ended

                   Code year
                   0.  Inap.

8010 (R)   R:      Year next most recent marriage began

                   Code year
                   0.  Inap.

8011 (R)   R:      Age at first marriage
8018 (S)
                   Code age
                   0.  Inap.
                   For the public use dataset, the age is
                   bottom-coded at 15.

8012 (R)   R:      Total number of years married, H
8019 (S)
                   Code number of years
                   0.  Inap.

5925       Y8b.    Do you receive support from your (husband/wife), do you
                   pay support, or is there no support involved?              
                   (ASKED OF SEPARATED RESPONDENTS)

                   1.  RECEIVE SUPPORT
                   2.  NO SUPPORT INVOLVED
                   3.  PAY SUPPORT
                   0.  Inap.

5926        Y8c.   How much do you receive?                                   
                   (ASKED OF SEPARATED RESPONDENTS RECEIVING SUPPORT)

                   Code actual amount
                   0.  Inap.

5927       Y8c.    PER                                                        
                   (ASKED OF SEPARATED RESPONDENTS RECEIVING SUPPORT)

                   2.  Week
                   3.  Biweekly
                   4.  Month
                   5.  Quarter
                   6.  Year
                  -7.  Other
                   0.  Inap.

5928        Y8d.   How much do you pay?                                       
                   (ASKED OF SEPARATED RESPONDENTS PAYING SUPPORT)

                   Code actual amount
                   0.  Inap.

5929       Y8d.    PER                                                        
                   (ASKED OF SEPARATED RESPONDENTS PAYING SUPPORT)

                   2.  Week
                   3.  Biweekly
                   4.  Month
                   5.  Quarter
                   6.  Year
                  -7.  Other
                   0.  Inap.

5930        Y8e.   Are the assets and debts that you've told me about in this
                   interview owned mainly by you, are they owned jointly with
                   your (husband/wife), or what?                              
                   (ASKED OF SEPARATED RESPONDENTS)

                   1.  OWNED BY R
                   2.  OWNED JOINTLY
                  -7.  OTHER
                   0.  Inap.

6111        Y21.   Has your (husband/wife/partner) been married before?       

                   1.  YES
                   5.  NO
                   0.  Inap.

6112        Y22.   Altogether, how many times was your (husband/wife/partner)
                   married before?                                            

                   Code NUMBER
                   0.  Inap.

6113        Y22a.  When did (his/her) first marriage begin?                   
            
                   Code YEAR
                   0.  Inap.

6114        Y22b.  And when did that marriage end?                            

                   Code YEAR

                   0.  Inap.

6115        Y22c.  Did that marriage end in divorce, or was (he/she) widowed?

                   3.  Separated and not yet divorced
                   4.  DIVORCE
                   5.  WIDOWED
                   0.  Inap.

6116        Y22d.  Did any of these marriages end by your (husband/wife/
                   partner) being widowed?                                    

                   1.  YES
                   5.  NO
                   0.  Inap.

6117        Y22e.  How many?                                                  

                   Code # TIMES WIDOWED
                   0.  Inap.

6118        Y22f.  At what age was your (husband/wife/partner) first married?

                   Code YEARS OLD
                   0.  Inap.

6119        Y22g.  Finally, for about how many years in total has your
                   (husband/wife/partner) been married?  (ACCEPT RANGE)       

                   Code YEARS
                   0.  Inap.

-----------------------------------------------------------------------------
HEALTH
-----------------------------------------------------------------------------

6030        Y15.   Now I'd like to ask you about your health; would you say
                   your health is excellent, good, fair, or poor?             
6124        Y24.   Now I'd like to ask you some questions about your family's
                   health; would you say your (husband's/wife's/partner's)
                   health in general is excellent, good, fair, or poor?       

                   1.  EXCELLENT 
                   2.  GOOD
                   3.  FAIR
                   4.  POOR
                   0.  Inap. (No spouse)

            READ:  For the rest of the questions in the interview, please
                   include the adults in your household who have independent
                   finances.

6202        Y25a.  Do you or anyone in your household (including those with
                   independent finances) have any persistent or chronic
                   health conditions or problems? (R DOES NOT LIVE ALONE)
            Y26.   Do you have any persistent or chronic health conditions or
                   problems? (R LIVES ALONE)

                   1.  YES
                   5.  NO

           Y25b.  Which household members have these health conditions or
                   problems and what are they? (Any others?)  (LIST FAMILY
                   MEMBERS BY RELATION TO R) (ASKED FOR R DOES NOT
                   LIVE ALONE; FILLED IN FOR R LIVES ALONE)
      
6203(#1)    Y25c.  HOUSEHOLD MEMBER                                           
6207(#2)
6211(#3)            1.   RESPONDENT
6215(#4)            2.   Spouse of Respondent
6219(#5)            3.   "Partner" of Respondent
                    4.   Child (incl. in-laws)
                   13.   Partner's child
                    5.   Grandchild
                    6.   Parent (incl. in-laws)
                    7.   Grandparent (incl. in-laws)
                    8.   Aunt/uncle
                    9.   Cousin
                   10.   Niece/nephew
                   11.   Sister/brother (incl. in-laws)
                   12.   Great grandchild
                   29.   Other relative
                   31.   Roommate
                   32.   "Friend" (exc. 3)
                   33.   Relative of Partner (except Child, code 13)
                   34.   Boarder or roomer/lodger
                   35.   Paid help (maid, etc.)
                   36.   Foster child
                   39.   Other unrelated person
                    0.   Inap. (No chronic health conditions, no
                         further chronic health conditions)

6204(#1)    Y25d.  AGE (ASKED FOR R DOES NOT LIVE ALONE; FILLED IN
6208(#2)           FOR R LIVES ALONE)
6212(#3)
6216(#4)           Code AGE 
6220(#5)           0.  Inap. (No chronic health conditions, no
                       further chronic health conditions)

                   Ages of household members other than the respondent
                   and spouse are rounded to the nearest 5 years

6205(#1a)  Y25e.  HEALTH CONDITIONS (R DOES NOT LIVE ALONE)
6206(#1b)  Y26a.  What are these health conditions or problems?  (Any
6209(#2a)         others?) (R LIVES ALONE)
6210(#2b)
6213(#3a)          If a person has more health conditions than there is  
6214(#3b)          room to code:                                         
6217(#4a)          1)  if there is room, code that person more than once 
6218(#4b)              (i.e., use 2 or more adjacent person mentions for 
6221(#5a)              the same person--same REL & AGE);                 
6222(#5b)          2)  otherwise, attempt to select the 2 most serious   
                       health problems for the person who has excess     
                       mentions;                                         
                   3)  if you're still stuck--see Supervisor.            

                       HEALTH CONDITIONS MASTER CODE 
                       (revised version for 1989 SCF)

            Cancers and tumors; skin conditions
            101.   Cancer--any site or type; leukemia; Hodgkin's disease;
                   melanomas; "tumors" if specified as malignant
            102.   Tumors, cysts or growths (exc. 101); "polyps"
            103.   Skin conditions--any mention exc. cancer (101) or tumor
                   (102); dermatitis; eczema; "rashes"

            Musculoskeletal system and connective tissue
            111.   Arthritis; rheumatism; bursitis
            112.   Back or spine problems: chronic stiffness, deformity or
                   pain; disc problems; scoliosis; spinal bifida; "bad back"
            113.   Stiffness, deformity or chronic pain in foot, leg, arm or
                   hand (exc. 104); "bad knee"
            114.   Missing legs, feet, arms, hands, or fingers (from
                   amputation or congenital deformity)
            115.   Paralysis--any mention (incl. from polio)
            116.   Hernias; hiatal hernia
            117.   Muscular dystrophy
            119.   Other musculoskeletal or connective tissue problems;
                   lupus; osteoporosis; pinched nerve

           Heart, circulatory and blood conditions
            121.   Heart problems: heart attack (coronary) or failure;
                   arteriosclerosis; aneurysms; heart deformities; angina;
                   "bad heart"; congestive heart disease
            122.   High blood pressure (hypertension)
            123.   Stroke; cerebral hemorrhage or accident
            124.   Blood disorders: anemia; hemophilia; polycythemia; "bad
                   blood"
            129.   Other circulatory problems; phlebitis, clots, embolisms;
                   varicose veins; hemorrhoids; low blood pressure

            Respiratory system conditions
            131.   Allergies; hayfever; sinusitis; tonsillitis
            132.   Asthma
            133.   Bronchitis; pneumonia; "acute upper respiratory problems"
            134.   Emphysema
            139.   Other respiratory problems; tuberculosis

            Endocrine, metabolic and nutritional conditions
            141.   Diabetes
            142.   Thyroid trouble; goiter
            143.   Cystic fibrosis
            144.   Nutritional problems; weight problems; eating disorders;
                   high cholesterol
            149.   Other endocrine/metabolic problems; pancreatitis;
                   pituitary problems

           Digestive system (stomach, liver, gallbladder, kidney, bladder)
            151.   Stomach and intestinal conditions: ulcers; colitis;
                   gastritis; diverticulosis; appendicitis; Chron's disease;
                   "stomach pains"
            152.   Liver conditions: cirrhosis; hepatitis
            153.   Kidney conditions: kidney stones; kidney failure (incl.
                   dialysis)
            154.   Gallbladder conditions
            155.   Bladder conditions
            159.   Other digestive system problems

            Neurological and sensory conditions
            161.   Blindness or vision problems: glaucoma; cataracts;
                   detached retina
            162.   Deafness, hearing loss or other ear conditions
            163.   Multiple sclerosis; cerebral palsy; epilepsy; Parkinson's;
                   ALS
            164.   Speech conditions--any mention: congenital speech defects;
                   stuttering
            165.   Mental retardation; learning disabilities; Down syndrome
            169.   Other neurological/sensory problems; sciatica;
                   "headaches"; "dizziness"; "blackouts"

            Reproductive system and prostate conditions
            171.   Pregnancy and childbirth problems; miscarriage;
                   stillbirth; RH factor
            172.   Infertility; sterilization; vasectomy; tubal ligation
            173.   Prostate conditions
            179.   Other problems of reproductive system; hysterectomy;
                   ovarian problems; PMS; menopause

           Emotional and psychological conditions
            181.   Alcoholism
            182.   Drug abuse, addiction
            183.   Other severe psychological conditions: (chronic)
                   depression; schizophrenia; mania; paranoia; autism
            189.   Other emotional and psychological problems; "mental
                   problems"; "nerves"; "nervous breakdown"

            Miscellaneous
            191.   Alzheimer's disease; "senility"
            192.   Dental and gum conditions--any mention
            193.   Infectious diseases; flu, colds, fever, mumps, etc.
            194.   Injuries and traumas: broken bones; pulled muscles;
                   strains; tendon damage; burns, lacerations; concussion

             -7.   Other health condition

              0.   Inap. (No chronic health conditions, no
                   further chronic health conditions)
                      
                      HEALTH CONDITIONS ALPHABETIC LIST

            149.   Acromegaly
            133.   Acute upper respiratory diseases
            181.   Alcoholism
            131.   Allergies
            103.   Alopecia
            191.   Alzheimer's disease
            114.   Amputation of limbs
            124.   Anemia
            121.   Aneurysm
            121.   Angina
            183.   Anxiety
            151.   Appendectomy
            151.   Appendicitis
            121.   Arterial blockage
            121.   Arteries, hardening
            121.   Arteriosclerosis
            111.   Arthritis
            132.   Asthma
            194.   Back injuries
            112.   Back, bad
            189.   Behavioral problems
            102.   Benign tumors
            183.   Bipolar depression
            171.   Birth of child
            139.   Black lung
            155.   Bladder conditions
            161.   Blindness
            129.   Blood clots
            124.   Blood disorders, specific
            124.   Blood disorders, NFS
            194.   Bones, broken/damaged from injuries/accidents
            151    Bowel, irritable
            194.   Brain damage, from injuries/accidents
            169.   "Brain damage," NFS
            139.   Breathing problems
            133.   Bronchitis
            194.   Burns
            111.   Bursitis
            121.   Bypass surgery
            101.   Cancer
            101.   Carcinoma
            161.   Cataracts
            163.   Cerebral palsy
            ???    Chest pains
            171.   Childbirth
            171.   Childbirth, hemorrhaging from
            171.   Childbirth, complications from
            144.   Cholesterol, high
            129.   "Circulation"
            129.   Circulatory system, other specific
            152.   Cirrhosis
            193.   Colds
            151.   Colitis
            151.   Colostomy
            194.   Concussions
            121.   Congestive heart disease
            161.   Conjunctivitis
            121.   Coronary
            151.   Crohn's disease
            143.   Cystic fibrosis
            155.   Cystitis
            102.   Cysts
            162.   Deafness
            183.   Depression
            103.   Dermatitis
            161.   Detached retina
            141.   Diabetes
            153.   Dialysis
            112.   Disc, slipped
            112.   Disc, worn
            151.   Diverticulosis
            182.   Drug addiction
            182.   Drug dependence
            179.   Dysmenorrhea
            162.   Ear conditions, all 
            103.   Eczema
            134.   Emphysema
            179.   Endometriosis
            151.   Enteritis
            163.   Epilepsy
            171.   Episiotomy
            161.   Eye conditions, NFS
            179.   Female problems
            193.   "Fever"
            193.   "Flu"
            154.   Gallbladder conditions
            154.   Gallbladder, removal
            154.   Gallstones
            151.   Gastritis
            161.   Glaucoma
            149.   Gout
            149.   Gland problem
            102.   "Growths"
            179.   Gynecological problems, NFS
            142.   Goiter
            131.   Hayfever
            162.   Hearing, loss of
            121.   Heart attack
            121.   Heart bypass surgery
            121.   Heart condition, NFS
            121.   Heart deformities, congenital
            121.   Heart murmurs
            121.   Heart valve blockage
            121.   Heart valve prolapse
            121.   Heart valve replacement
            124.   Hemophilia
            129.   Hemorrhoids
            152.   Hepatitis
            116.   Hernia, hiatal
            122.   High blood pressure
            141.   High blood sugar
            149.   Hormone problems
            149.   Hyperpituitarism
            122.   Hypertension
            149.   Hypoglycemia
            179.   Hysterectomy
            151.   Ileitis
            193.   "Infection"
            172.   Infertility 
            193.   Influenza
            194.   Injuries, accidental 
            189.   Insomnia
            151.   Intestinal conditions
            151.   Irritable bowel conditions
            152.   Jaundice
            153.   Kidney failure
            153.   Kidney removal
            153.   Kidney stones
            113.   Knee, bad
            194.   Lacerations
            164.   Laryngectomy
            189.   Learning disabilities
            101.   Leukemia
            152.   Liver conditions
            142.   Low blood sugar
            119.   Lupus
            101.   Malignant tumors
            183.   Manic-depression
            193.   Measles
            101.   Melanoma
            101.   Melanoma, removal
            162.   Meniere's disease
            179.   Menopause
            179.   Menstrual periods, painful
            189.   Mental health problem, vague
            189.   Mental problems
            165.   Mental retardation
            169.   Migraines
            171.   Miscarriage
            121.   Mitral valve prolapse
            102.   Mole removal
            193.   Mononucleosis
            163.   Multiple sclerosis
            193.   Mumps
            117.   Muscular dystrophy
            119.   Myasthenia gravis
            121.   Myocardial infarction
            121.   Myocardial schemia
            194.   Neck injuries
            153.   Nephritis
            119.   Nerve, pinched
            189.   Nerves, bad
            189.   Nervous breakdown
            189.   Nervous condition
            119.   Neuritis
            144.   Obesity
            144.   Overweight
            119.   Osteoporosis
            149.   Pancreatitis
            183.   Panic attacks
            163.   Parkinson's disease
            151.   Peritonitis
            129.   Phlebitis
            139.   Pleurisy
            133.   Pneumonia
            115.   Polio
            124.   Polycythemia
            102.   Polyps
            179.   Premenstrual syndrome (P.M.S.)
            173.   Prostate conditions
            103.   Psoriasis
            194.   Pulled muscle
            103.   Rash, skin
            179.   Reproductive organs, removal of (exc. for cancer, tumors)
            133.   Respiratory diseases, acute upper
            161.   Retina, detached
            161.   Retina, torn
            121.   Rheumatic heart disease
            111.   Rheumatism
            193.   Rubella
            139.   Sarcoidosis
            169.   Sciatica/sciatic nerve problem
            112.   Scoliosis
            191.   Senility
            169.   "Shaky hands"
            169.   Shingles
            124.   Sickle cell anemia
            131.   Sinusitis
            194.   Skull bone injuries
            194.   Skull fracture
            164.   Speech conditions, all
            164.   Speech impediment
            194.   Spinal cord damage, from injuries/accident
            194.   Sprain
            171.   Stillbirth
            151.   Stomach conditions
            151.   Stomach pains
            151.   Stomach, removal
            193.   Strep throat
            123.   Stroke
            164.   Stuttering
            172.   Sterilization
            142.   Thyroid problems
            131.   Tonsillitis
            139.   Tuberculosis
            102.   Tumors, benign
            101.   Tumor, malignant (or cancerous)
            102.   Tumor, NA whether malignant or benign
            172.   Tubal ligation
            172.   Tubes tied
            151.   Ulcerative colitis
            151.   Ulcers, stomach (peptic or duodenal)
            103.   Ulcers, skin
            172.   Vasectomy
            129.   Varicose veins
            193.   "Virus," NFS
            161.   Vision problems, NFS
            144.   Vitamin deficiency
            102.   Warts
            144.   Weight problems

                   0.  Inap. (No chronic health conditions, no
                       further chronic health conditions)

-----------------------------------------------------------------------------
HEALTH INSURANCE
-----------------------------------------------------------------------------

6301        Y29.   Are you or anyone in your household (including family
                   members with independent finances) currently eligible to
                   receive benefits from any government health insurance
                   programs, such as Medicare, Medicaid, or CHAMPUS, VA, or
                   other military programs? (R DOES NOT LIVE ALONE)
            Y27.   Are you currently eligible to receive benefits from any
                   government health insurance programs, such as Medicare,
                   Medicaid, or CHAMPUS, VA, or other military programs?      
                   (R LIVES ALONE)

                   1.  YES
                   5.  NO

            Y29a.  Which program is that? (Anything else?) (CHECK ALL THAT
                   APPLY.)  (IWER: ONLY PERSONS 65 OR OLDER SHOULD BE
                   ELIGIBLE FOR MEDICATE. ONLY POOR PERSONS SHOULD BE
                   ELIGIBLE FOR MEDICAID.  CHAMPUS IS FOR ACTIVE MILITARY.)
                   (R DOES NOT LIVE ALONE)
            Y27a.  Which program is that? (Anything else?) (CHECK ALL THAT
                   APPLY.)  (IWER: ONLY PERSONS 65 OR OLDER SHOULD BE
                   ELIGIBLE FOR MEDICARE. ONLY POOR PERSONS SHOULD BE
                   ELIGIBLE FOR MEDICAID.  CHAMPUS IS FOR ACTIVE MILITARY.)
                   (R LIVES ALONE)

6302        Y27a./Y29a.  A.  MEDICARE
6303        Y27a./Y29a.  B.  MEDICAID (include MediCal)
6304        Y27a./Y29a.  C.  VA/CHAMPUS
6305        Y27a./Y29a.  D.  OTHER

                   1.  Checked
                   5.  Not checked
                   0.  Inap. (Not eligible for any government health
                       insurance programs)

6306        Y29b.  Is everyone living here covered by (this/one of these)
                   program(s)?

                   1.  YES
                   5.  NO
                   0.  Inap. (Not eligible for any government health
                       insurance programs)

           Y29d.  Who is not covered? (Anyone else?)  (CHECK ALL THAT
                   APPLY.)

6308        Y29d.  A.  R                                                      
6309        Y29d.  B.  SPOUSE                                                 
6310        Y29d.  C.  CHILD(REN) UNDER 18                                    
6311        Y29d.  D.  CHILD(REN) 18 AND OVER                                 
6312        Y29d.  E.  FATHER (IN-LAW)                                        
6313        Y29d.  F.  MOTHER (IN-LAW)                                        
6314        Y29d.  G.  OTHER:                                                 

                   1.  Checked                              
                   2.  Grandchild (6314 only)
                   5.  Not checked
                   0.  Inap. (Not eligible for any government health
                       insurance programs, everyone covered by
                       government health insurance programss)

6315        Y29c.  Do you or anyone living here have any other type of health
                   coverage such as employer plans, or Blue Cross-Blue
                   Shield, or a Health Maintenance Organization?              
                   (R DOES NOT LIVE ALONE)
            Y30.   Do you or anyone living here have any (other) type of
                   health coverage such as employer plans, or Blue Cross-Blue
                   Shield, or a Health Maintenance Organization?              
            Y27b.  Do you have any other type of health coverage such as
                   employer plans, or Blue Cross-Blue Shield, or a Health
                   Maintenance Organization? (R LIVES ALONE)
            Y28.   Do you have any type of health coverage such as employer
                   plans or Blue Cross-Blue Shield, or a Health Maintenance
                   Organization? (R LIVES ALONE)

                   1.  YES
                   5.  NO

            Y31.   Is this coverage obtained through your employer, former
                   employer, or union, (your [husband's/wife's/partner's]
                   employer, former employer, or union,) through direct
                   payments to an insurance company, or what?  (CHECK ALL
                   THAT APPLY.)
           Y28a.  Is this coverage obtained through your employer or former
                   employer, a union, through direct payments to an insurance
                   company, or what?  (CHECK ALL THAT APPLY.) (R LIVES ALONE)

6316        Y28a./Y31.   A.  R'S EMPLOYER (incl. R's own business)
6317        Y28a./Y31.   B.  R'S FORMER EMPLOYER
6318        Y28a./Y31.   C.  R'S UNION
6319        Y31.         D.  S'S EMPLOYER
6320        Y31.         E.  S'S FORMER EMPLOYER
6321        Y31.         F.  S'S UNION
6322        Y28a./Y31.   G.  DIRECT PAYMENT
6323        Y28a./Y31.   H.  OTHER:

                   1.  Checked                              
                   2.  Employer of HU member (except R or Spouse) (6323 only)
                   3.  Through a relative outside the HU (incl. Ex-spouse);
                       former spouse's employer (R lives alone)
                       (6323 only)
                   5.  Not checked
                   0.  Inap. (No private health insurance coverage)

            Y31a.  How is this coverage paid for -- by you or someone in your
                   household, by an employer, by you and an employer, by a
                   relative not living here, or what?  (CHECK ALL THAT
                   APPLY.) (R DOES NOT LIVE ALONE)
           Y28b.  How is this coverage paid for -- by you, by an employer,
                   by you and an employer, by a relative, or what?  CHECK ALL
                   THAT APPLY. (R LIVES ALONE)

6324        Y28b./Y31a.  A.  R/FAMILY
6325        Y28b./Y31a.  B.  EMPLOYER (incl. R's or S's own business)
6326        Y28b./Y31a.  C.  RELATIVE
6327        Y28b./Y31a.  D.  FORMER EMPLOYER
6328        Y28b./Y31a.  E.  OTHER:

                   1.  Checked                              
                   2.  Employer of someone else in HH other than R/Spouse
                       (6328 only)
                   3.  Employer of person outside HH, incl. relatives/
                       ex-spouse (6328 only)
                   5.  Not checked
                   0.  Inap. (No private health insurance coverage)

6329        Y31b.  Is everyone in your household covered by at least one of
                   these private health programs?                             

                   1.  YES
                   5.  NO
                   0.  Inap. (No private health insurance coverage)

           Y31c.  Who is not covered (including those with independent
                   finances)?  (Anyone else?) (CHECK ALL THAT APPLY.)

6330        Y31c.  A.  R                                                      
6331        Y31c.  B.  SPOUSE/PARTNER                                         
6332        Y31c.  C.  CHILD(REN) UNDER 18                                    
6333        Y31c.  D.  CHILD(REN) 18 AND OVER                                 
6334        Y31c.  E.  FATHER (IN-LAW)                                        
6335        Y31c.  F.  MOTHER (IN-LAW)                                        
6336        Y31c.  G.  OTHER:                                                 

                   1.  Checked                              
                   2.  Other adult relative(s) (6336 only)
                   3.  Non-relative(s) (6336 only)
                   5.  Not checked
                   0.  Inap. (No private health insurance coverage,
                       everyone covered by private health insurance)

6337       Y32.   (RB, P. 14)  This is a list of reasons why some people
                   don't have health insurance.  Which number best describes
                   why (you/some members of your household) are not covered?  

                    1.  TOO EXPENSIVE, CAN'T AFFORD HEALTH INSURANCE
                    2.  CAN'T GET INSURANCE BECAUSE OF POOR HEALTH, AGE, OR
                        ILLNESS
                    3.  DON'T BELIEVE IN HEALTH INSURANCE
                    4.  NOT MUCH SICKNESS IN THE FAMILY; WE HAVEN'T NEEDED
                        INSURANCE
                    5.  DISSATISFIED WITH PREVIOUS INSURANCE
                    6.  JOB LAYOFF OR JOB LOSS
                   11.  Not covered on job yet, but will be soon
                   95.  Those without private insurance are already covered
                        by Medicare/Medicaid
                   -7.  OTHER
                    0.  Inap. (Has private health insurance coverage
                        or all covered by a government program)

-----------------------------------------------------------------------------
FINANCES OF OTHER ECONOMIC UNITS WITHIN THE HOUSEHOLD
-----------------------------------------------------------------------------

6401        Y33.   INTERVIEWER CHECKPOINT                                     

                   1.  1 OR MORE ADULTS WITH INDEPENDENT FINANCES (COL. F
                       MARKED "INDEP")
                   2.  ALL OTHERS
                   0.  Inap. (R lives alone)

6402        Y34.   I'd like to ask some questions just about the other adults
                   22 and over who live with you (and your family) but have
                   independent finances.  (Does he/Does she/Do any of these 
                   other adults) receive any income from wages or salaries?   

                   1.  YES
                   5.  NO
                   0.  Inap. (No adults with independent finances)

6403        Y34a.  Roughly how much total income did (he/she/they) have from
                   wages and salaries in 1988 before taxes and deductions?  
                   (ACCEPT RANGE.)                                            

                   Code actual amount
                   -1.  Zero; none in 1988
                    0.  Inap. (No adults with independent finances,
                        independent adults have no wages/salaries)

6405       Y35.   (Does he/Does she/Do they) receive income from any other
                   sources (such as social security, a pension, disability
                   payments, public assistance, or income from a business or
                   other assets)?                                             

                   1.  YES
                   5.  NO
                   0.  Inap. (No adults with independent finances)

           Y35a.  What other sources of income (does he/does she/do they)
                   have?  (CHECK ALL THAT APPLY.)

6406        Y35a.  A.  SOCIAL SECURITY                                        
6407        Y35a.  B.  PENSIONS                                               
6408        Y35a.  C.  DISABILITY                                             
6409        Y35a.  D.  PUBLIC ASSISTANCE                                      
6410        Y35a.  E.  INTEREST INCOME                                        
6411        Y35a.  F.  DIVIDENDS                                              
6412        Y35a.  G.  BUSINESS                                               
6413        Y35a.  H.  REAL ESTATE                                            
6414        Y35a.  J.  OTHER                                                  

                   1.  Checked
                   5.  Not checked
                   0.  Inap. (No adults with independent finances,
                        independent adults have no income from other sources)

6415       Y35b.  Roughly how much total income did (he/she/they) have from
                   (all these/this) source(s) in 1988 before taxes and
                   deductions?                                                

                   Code actual amount
                   -1.  Zero; none in 1988
                    0.  Inap. (No adults with independent finances,
                        independent adults have no income from other sources)

6417       Y36.   (Does he/Does she/Do any of them) have any cars or other
                   vehicles?                                                  

                   1.  YES
                   5.  NO
                   0.  Inap. (No adults with independent finances)

6418        Y36a.  Roughly, how much (is this/are these) vehicle(s) worth in
                   today's prices?  (ACCEPT RANGE.)                           

                   Code actual amount
                   -1.  Zero; worth nothing
                    0.  Inap. (No adults with independent finances,
                        independent adults have no vehicles)

6420        Y37.   (Does he/Does she/Do they) have any bank accounts, savings
                   accounts, or savings bonds?                                

                   1.  YES
                   5.  NO
                   0.  Inap. (No adults with independent finances)

6421       Y37a.  Roughly, how much in total (does he/does she/do they) have
                   in bank accounts, savings accounts, or savings bonds?
                   (ACCEPT RANGE.)                                            

                   Code actual amount
                   -1.  Zero; account with no balance
                    0.  Inap. (No adults with independent finances,
                        independent adults have no accounts/savings bonds)

6423       Y38.   (Does he/Does she/Do they) have any other assets (such as
                   stocks, bonds, a business, or any properties, including
                   any part of the [house/apartment] you live in)?            

                   1.  YES
                   5.  NO
                   0.  Inap. (No adults with independent finances)

            Y38a.  What other kinds of assets (does he/does she/do they)
                   have?  (CHECK ALL THAT APPLY.)

6424        Y38a.  A.  R'S HOME                                               
6425        Y38a.  B.  STOCKS                                                 
6426        Y38a.  C.  BONDS                                                  
6427        Y38a.  D.  MUTUAL FUNDS                                           
6428        Y38a.  E.  MONEY MARKET FUNDS                                     
6429        Y38a.  F.  BUSINESS                                               
6430        Y38a.  G.  OTHER REAL ESTATE                                      
6431        Y38a.  H.  OTHER                                                  

                   1.  Checked
                   5.  Not checked
                   0.  Inap. (No adults with independent finances,
                        independent adults have no other assets)

6432        Y38b.  Roughly, how much in total (does he/does she/do they) have
                   in (all these/this) asset(s)?  (ACCEPT RANGE.)             

                   Code actual amount
                   -1.  Zero value; currently a loss
                    0.  Inap. (No adults with independent finances,
                        independent adults have no other assets)

6435        Y39a.  What share of this home (does he/does she/do they) own?    

                   Code PERCENT to 2 decimal places
                   0.  Inap. (No adults with independent finances,
                       independent adults do not own part of R's home)

6436       Y39b.  What is the present value of this home?  I mean, about
                   what would it bring if it were sold today?                 

                   Code actual amount
                   0.  Inap. (No adults with independent finances,
                       independent adults do not own part of R's home)

6437        Y39c.  What is the amount still owed on all the mortgages, land
                   contracts and loans on the home?  (ACCEPT RANGE.)          

                   Code actual amount
                   -1.  NOTHING
                    0.  Inap. (No adults with independent finances,
                        independent adults do not own part of R's home)

6438       Y40.   Not including any debts (he/she/they) owe(s) you (or your
                   [husband/wife]), (does he/does she/do they) have any
                   debts?  (IF R ASKS: DO NOT INCLUDE MORTGAGE ON R'S HOME.)  

                   1.  YES
                   5.  NO
                   0.  Inap. (No adults with independent finances)

6439        Y40a.  Roughly how much in total are (his/her/their) debts?       

                   Code actual amount
                   0.  Inap. (No adults with independent finances,
                       independent adults do have any debts)

-----------------------------------------------------------------------------
EXPECTATIONS AND ATTITUDES
-----------------------------------------------------------------------------

301         A1.    I'd like to start this interview by asking you about your
                   expectations for the future.  Over the next five years, do
                   you expect the U.S. economy as a whole to perform better,
                   worse, or about the same as it has over the past five
                   years?                                                     

                   1.  BETTER 
                   2.  WORSE 
                   3.  ABOUT THE SAME 

302         A2.    Five years from now, do you think interest rates will be
                   higher, lower, or about the same as today?                 

                   1.  HIGHER   
                   2.  LOWER    
                   3.  ABOUT THE SAME

303        A3.    Over the next five years, do you expect your total
                   (family) income to go up more than prices, less than
                   prices, or about the same as prices?                       

                   1.  UP MORE  
                   2.  UP LESS  
                   3.  ABOUT THE SAME

304         A4.    Over the past five years, did your total (family) income
                   go up more than prices, less than prices, or about the
                   same as prices?                                            

                   1.  UP MORE  
                   2.  UP LESS  
                   3.  ABOUT THE SAME

401         B1.    Now I would like to ask you some questions about how you
                   feel about credit.  In general, do you think it is a good
                   idea or a bad idea for people to buy things on the
                   installment plan?                                          

                   1.  GOOD IDEA
                   3.  GOOD IN SOME WAYS, BAD IN OTHERS
                   5.  BAD IDEA

            B2.    People have many different reasons for borrowing money
                   which they pay back over a period of time.  For each of
                   the reasons I read, please tell me whether you feel it is
                   all right for someone like yourself to borrow money...
402         B2a.   first, to cover the expenses of a vacation trip?           
403         B2b.   next, to cover living expenses when income is cut?         
404         B2c.   (next,) to finance the purchase of a fur coat or jewelry?  
405         B2d.   (next,) to finance the purchase of a car?                  
406         B2e.   finally, to finance educational expenses?                  

                   1.  YES                                  
                   5.  NO

407         B3.    In the past five years, has a particular lender or
                   creditor turned down any request you (or your
                   [husband/wife]) made for credit, or not given you as much
                   credit as you applied for?  (Turned down, or not as much
                   credit?)                                                   

                   1.  YES, TURNED DOWN
                   3.  YES, NOT AS MUCH CREDIT
                   5.  NO

408         B3a.   Were you later able to obtain the full amount you (or your
                   husband/wife) requested by reapplying to the same
                   institution or by applying elsewhere?                      

                   1.  YES
                   5.  NO
                   0.  Inap. (Not turned down)

409         B4.    Was there any time in the past five years that you (or
                   your [husband/wife]) thought of applying for credit at a
                   particular place, but changed your mind because you
                   thought you might be turned down?                          

                   1.  YES
                   5.  NO

3001        H16.   R HAS ANY LOANS -- RECODED FROM INTERVIEWER CHECKPOINT

                   1.    R HAS ANY TYPE OF LOAN OR DEBT -- MORTGAGE, HOUSING
                         LOAN, PROPERTY, VEHICLE OR OTHER LOANS
                   2.    ALL OTHERS 
                   3.    CHECKED "NO DEBTS," BUT R HAD DEBTS
                   4.    CHECKED "DEBTS," R HAD NO DEBTS

3002       H17.   (RB, P. 2)   Thinking about the loan or mortgage that you
                   took out most recently, what was the main reason you chose
                   the lender that you did?  (Was it because of the location
                   of their offices, because they had the best interest
                   rates, because you were able to obtain many services at
                   one place, because they were recommended by someone else,
                   or some other reason?)                                     

                    1.   RECOMMENDED
                    2.   INTEREST RATES
                    3.   LOCATION OF OFFICES
                    4.   Other business done here
                    5.   Easy to qualify (for credit); only place that would
                         give us a loan
                    6.   MANY SERVICES IN ONE PLACE
                    7.   Low fees/service charges
                    8.   Safety
                    9.   Other convenience mentions: payroll deduction
                         feature; "convenience"--NFS
                   11.   Personal relationship; they know me; know/like them;
                         R/Spouse works there
                   21.   No choice--assumed existing debt and lender from
                         previous owner
                   22.   No choice--financed through store/dealer and this
                         was their financial institution
                   -7.   OTHER
                    0.   Inap. (R has no loans)

3003       H18.   (Not using the booklet.)  (READ SLOWLY:)  Again thinking
                   about the same loan, roughly how far was the office where
                   the application was made from the home or workplace of the
                   person who made the application?  (IF R ASKS:  WE WANT THE
                   CLOSER OF THE DISTANCE FROM HOME OR OFFICE.)  (ACCEPT
                   RANGE.)                                                    

                   Code MILES
                   51.   OVER 50 MILES
                   -1.   LESS THAN A MILE
                    0.   Inap. (R has no loans)

3004        H19.   Now thinking of all the various loan payments you made
                   during the last year, were all the payments made the way
                   they were scheduled, or were payments on any of the loans
                   sometimes made later or missed?                            

                   1.  ALL PAID AS SCHEDULED                
                   5.  SOMETIMES GOT BEHIND OR MISSED PAYMENTS
                  -1.  Payments not due/started yet
                  -7.  Other
                   0.  Inap. (R has no loans)

3005       H19a.  Were you ever behind in your payments by two months or
                   more?                                                      

                   1.  YES
                   5.  NO
                   0.  Inap. (R has no loans, all payments made as scheduled)

3006       J1.    Now I'd like to ask a few questions about your (family's)
3007               savings.  People have different reasons for saving.  What
                   are your (family's) most important reasons for saving?     

                    1.   Children's education; education of grandchildren
                    2.   Own education; spouse's education; education--NA for
                         whom
                    3.   "For the children/family"--NFS; "to help the kids
                         out"
                   11.   Buying own house (code summer cottage in 12)
                   12.   Purchase of cottage or second home for own use
                   13.   Buy a car
                   14.   Home improvements/repairs
                   15.   To travel; take vacations
                   16.   Buy durable household goods, appliances, home
                         furnishings; hobby items; for other purchases not
                         codable above or not further specified; "buy things
                         when we need/want them"; moving/special occasions
                   17.   Burial; funeral expenses
                   18.   Charitable or religious contributions
                   21.   Buying (investing in) own business/farm; equipment
                         for business/farm
                   22.   Retirement; old age
                   23.   Reserves in case of unemployment
                   24.   In case of illness; medical/dental expenses
                   25.   Emergencies; "rainy days"; other unexpected needs;
                         for "security"/independence
                   26.   Investment reasons (to get interest, to be
                         diversified, to buy other forms of assets)
                   27.   To meet contractual commitments (debt repayment,
                         insurance, taxes, etc.); to pay off house
                   28.   "To get ahead"; for the future; to advance standard
                         of living
                   29.   Ordinary living expenses/bills
                   90.   Had extra income; saved because had the money left
                         over--no other purpose specified
                   91.   Wise/prudent thing to do; good discipline to save
                   92.   Liquidity; to have cash available/on hand
                   -1.   Don't/can't save; "have no money"
                   -7.   Other
                    0.   Inap. (No additional reason)

3008        J2.    (RB, P. 3)  In deciding how much of their (family) income
                   to spend or save, people are likely to think about
                   different financial planning periods.  In planning your
                   (family's) saving and spending, which of the time periods
                   listed on this page is most important to you (and your
                   [husband/wife])?                                           

                   1.  NEXT FEW MONTHS
                   2.  NEXT YEAR
                   3.  NEXT FEW YEARS
                   4.  NEXT 5 - 10 YEARS
                   5.  LONGER THAN 10 YEARS
                  -1.  R only says: "no savings"/"can't (don't) save"

3009        J3.    Which is the least important to you? (RECORD ANSWER IN
                   GRID ABOVE.)                                               

                   1.  NEXT FEW MONTHS
                   2.  NEXT YEAR
                   3.  NEXT FEW YEARS
                   4.  NEXT 5 - 10 YEARS
                   5.  LONGER THAN 10 YEARS
                  -1.  R only says: "no savings"/"can't (don't) save"

3010        J4.    (Not using the booklet.)  Are there any foreseeable major
                   financial obligations that you (and your family) expect
                   will have to be met in the future, such as educational
                   expenses, health care costs, and so forth?  (IF R ASKS,
                   THE FUTURE MEANS THE NEXT FIVE TO TEN YEARS.)              

                   1.  YES
                   5.  NO

3011        J4a.   (RB, P.4)  What kinds of obligations are these?  (CHECK
3012               ALL THAT APPLY.                                            
3013
                   Code up to 3 mentions
                    1.   EDUCATION: R'S CHILDREN (incl. step & adopted
                         children); grandchildren
                    2.   EDUCATION: OTHERS (incl. R & spouse)
                    3.   HEALTH CARE: SELF/SPOUSE
                    4.   HEALTH CARE: OTHERS (incl. elderly parents/disabled
                         child)
                    5.   Health care/Medical expenses -- NA for whom
                   11.   General support for R/spouse in retirement or old
                         age
                   12.   General support for (disabled) child/grandchild;
                         "raising my grandson"
                   13.   General support for parents
                   14.   General support for others or NA for whom
                   21.   Home purchase (incl. vacation home)
                   22.   Purchase of car or other large durable goods
                   23.   Burial expenses
                   24.   Taxes
                   25.   Home repairs/improvements
                   26.   Weddings, vacations, moving and other special
                         expenditures
                   31.   Business/investment; start/expand own business
                   41.   Bills/living expenses--NFS
                   -7.  OTHER
                    0.  Inap. (No financial obligations, no additional
                        financial obligations)

3014        J5.    (RB, P. 5)   Which of the statements on this page comes
                   closest to the amount of financial risk that you (and your
                   [husband/wife]) are willing to take when you save or make
                   investments?                                               
                   
                   If more than one box checked, code smallest category #.
                   

                   1.    TAKE SUBSTANTIAL FINANCIAL RISKS EXPECTING TO EARN
                         SUBSTANTIAL RETURNS.
                   2.    TAKE ABOVE AVERAGE FINANCIAL RISKS EXPECTING TO EARN
                         ABOVE AVERAGE RETURNS.
                   3.    TAKE AVERAGE FINANCIAL RISKS EXPECTING TO EARN
                         AVERAGE RETURNS.   
                   4.    NOT WILLING TO TAKE ANY FINANCIAL RISKS.

            J6.    (RB, P. 6)   Which of the following statements on this
                   page comes closest to describing you(r) (and your
                   [husband's/wife's]) saving habits? (CHECK MORE THAN ONE
                   ONLY IF NECESSARY.)
3015        J6-1.  DON'T SAVE -- USUALLY SPEND MORE THAN INCOME               
3016        J6-2.  DON'T SAVE -- USUALLY SPEND ABOUT AS MUCH AS INCOME        
3017        J6-3.  SAVE WHATEVER IS LEFT OVER AT THE END OF THE MONTH--NO
3018        J6-4.  SAVE INCOME OF ONE FAMILY MEMBER, SPEND THE OTHER          
3019        J6-5.  SPEND REGULAR INCOME, SAVE OTHER INCOME                    
3020        J6-6.  SAVE REGULARLY BY PUTTING MONEY ASIDE EACH MONTH           

                   1.  Checked
                   5.  Not checked

3021       J7.    (RB, P. 7)   Now I'd like to ask a few questions about how
                   you see various risks.  First, on a scale from 0 to 10,
                   where 0 equals almost no risk and 10 equals very great
                   risk, what do you think is the risk that the U.S. economy
                   will experience a major depression sometime during the
                   next ten years or so?                                      
            
                    0.  ALMOST NO RISK
                    1.
                    2.
                    3.
                    4.
                    5.
                    6.
                    7.
                    8.
                    9.
                   10.  VERY GREAT RISK

3022        J8.    (RB, STILL ON P. 7)   And what number would you give to
                   the risk that the U.S. economy will experience double
                   digit inflation sometime during the next ten years or so?  

                    0.  ALMOST NO RISK
                    1.
                    2.
                    3.
                    4.
                    5.
                    6.
                    7.
                    8.
                    9.
                   10.  VERY GREAT RISK

3023       J9.    (RB, P. 8)   On a different scale, how would you rate the
                   retirement income you (expect to receive/are receiving)
                   from Social Security and job pensions?                     

                    0.  TOTALLY INADEQUATE
                    1.
                    2.
                    3.
                    4.
                    5.  ENOUGH TO MAINTAIN LIVING STANDARDS
                    6.
                    7.
                    8.
                    9.
                   10.  VERY SATISFACTORY

3024        J10.   (RB, P. 9)   When making major decisions about borrowing
                   and saving, some people shop around for the very best
                   terms while others don't.  Where would your family be on
                   the scale?                                                 

                    0.  ALMOST NO SHOPPING
                    1.
                    2.
                    3.
                    4.
                    5.
                    6.
                    7.
                    8.
                    9.
                   10.  A GREAT DEAL OF SHOPPING

-----------------------------------------------------------------------------
LINKAGE TO PENSION PROVIDER
-----------------------------------------------------------------------------
6501        Y42.   END OF IW REFERENCE:  RESPONDENT'S EMPLOYMENT/PENSION
                   INFORMATION                                                

                   1.    R IS COVERED BY PENSION ON CURRENT JOB (1 OR MORE
                         PLANS AT R18, P. 82)
                   2.    ALL OTHERS

6502        Y43.   END OF IW REFERENCE:  SPOUSE'S EMPLOYMENT/PENSION
                   INFORMATION                                                

                   3.    R IS NOT MARRIED/LIVING WITH PARTNER
                   4.    S IS COVERED BY PENSION ON CURRENT JOB
                   5.    ALL OTHERS  

-----------------------------------------------------------------------------
INTERVIEWER OBSERVATIONS
-----------------------------------------------------------------------------

6503       ZZ1.   RELATIONSHIP OF R TO INFORMANT:                            

                   1.  R IS INFORMANT 
                   2.  Spouse of Informant; partner of Informant
                   3.  Child  "     "
                   4.  Parent "     "
                   5.  Roommate/friend
                   6.  Employer of Informant (e.g., maid was Informant)
                  -7.  OTHER: R IS __________ OF INFORMANT
                  .N   NA

6504        ZZ2.   TYPE OF STRUCTURE IN WHICH FAMILY LIVES:                   
                         

                    0.  IW NOT CONDUCTED AT R'S HOME (low priority code)
                    1.  TRAILER; MOBILE HOME
                    2.  DETACHED SINGLE FAMILY HOUSE 
                    3.  2-FAMILY HOUSE, 2 UNITS SIDE BY SIDE 
                    4.  2-FAMILY HOUSE, 2 UNITS ONE ABOVE THE OTHER;
                        "duplex"--NA whether  3 or  4
                    5.  DETACHED 3-4 FAMILY HOUSE
                    6.  ROW HOUSE (3 OR MORE UNITS IN AN ATTACHED ROW)
                    7.  APARTMENT HOUSE (4 OR FEWER UNITS)
                    8.  CONDO/APARTMENT HOUSE (5 OR MORE UNITS, 3 STORIES OR
                        LESS)
                    9.  CONDO/APARTMENT HOUSE (5 OR MORE UNITS, 4 STORIES OR
                        MORE)
                   10.  APARTMENT IN PARTLY COMMERCIAL STRUCTURE
                   11.  Gov't. housing "projects"--not codeable above
                   -7.  OTHER
                   .N    NA

            ZZ3.   NEIGHBORHOOD:  Look at the structures on R's block and
                   check as many as apply.

6505        ZZ3.   A.  VACANT LAND (include "lake", "farmland")               
6506        ZZ3.   B.  TRAILER/MOBILE HOME                                    
6507        ZZ3.   C.  DETACHED SINGLE FAMILY HOUSE                           
6508        ZZ3.   D.  2-FAMILY HOUSE; SIDE BY SIDE OR ONE ABOVE THE OTHER    
6509        ZZ3.   E.  DETACHED 3-4 FAMILY HOUSE                              
6510        ZZ3.   F.  ROW HOUSE (3 OR MORE UNITS IN AN ATTACHED ROW)         
6511        ZZ3.   G.  APARTMENT HOUSE (4 OR FEWER UNITS)                     
6512        ZZ3.   H.  CONDO/APARTMENT HOUSE (5 OR MORE UNITS, 3 STORIES OR
                       LESS)                                                  
6513        ZZ3.   J.  CONDO/APARTMENT HOUSE (5 OR MORE UNITS, 4 STORIES OR
                       MORE)                                                  
6514        ZZ3.   K.  COMMERCIAL OR INDUSTRIAL STRUCTURE                     
6515        ZZ3.   L.  PARK; golf course                                      
6516        ZZ3.   M.  SCHOOL OR OTHER GOV'T. BUILDING                        
6517        ZZ3.   N.  VACANT BUILDING                                        
6518        ZZ3.   P.  OTHER                                                  

                   1.  Checked                              
                   2.  Gov't/Housing Project--not codeable above
                   3.  Church (6518 only)
                   5.  Not checked
                  .N   NA                                   
                   0.  Inap. (Interview not conducted in R's home)

6519        ZZ4.   BUILDINGS IN THE IMMEDIATE NEIGHBORHOOD (LOOK UP AND DOWN
                   THE BLOCK) ARE:                                            

                   1.  ALL RESIDENTIAL
                   2.  MOSTLY RESIDENTIAL
                   3.  ABOUT EQUALLY RESIDENTIAL AND NONRESIDENTIAL
                   4.  MOSTLY NONRESIDENTIAL
                  .N   NA
                   0.  NONE IN VIEW;
                       Inap. (Interview not conducted in R's home)

6520        ZZ5.  HOUSING STRUCTURES ON BLOCK ARE:                            

                   1.  0-20 FEET APART
                   2.  21-100 FEET APART
                   3.  OVER 100 FEET APART
                  .N   NA
                   0.  Inap. (Interview not conducted in R's home)

6521       ZZ6.   CONDITION OF BUILDING EXTERIOR IS:                         

                   1.  CLEAN AND SOUND
                   2.  SOME PAINT PEELING OR CRACKS IN MASONRY
                   3.  NEEDS SUBSTANTIAL PAINTING, REFILLING, OR REPAIR
                   4.  DILAPIDATED
                  .N   NA
                   0.  Inap. (Interview not conducted in R's home)

6522        ZZ7.   CONDITION OF THE EXTERIOR OF BUILDINGS ON BLOCK IN GENERAL
                   (BOTH SIDES OF STREET) LOOKS:                              

                   1.  BETTER THAN R'S
                   2.  AS GOOD AS R'S
                   3.  WORSE THAN R'S
                  .N   NA
                   0.  NO OTHER BUILDINGS IN VIEW;
                       Inap. (Interview not conducted in R's home)

6523        ZZ8.   PLEASE RATE THE PHYSICAL CONDITION OF THE INTERIOR OF THE
                   HU:                                                        

                   1.  EXCELLENT: WALLS AND CEILINGS HAVE NO CRACKS; PAINT OR
                       PANELLING IS IN GOOD CONDITION
                   2.  GOOD: NEEDS SOME MINOR PAINTING OR REFINISHING
                   3.  FAIR: NEEDS MAJOR INTERIOR WORK--HOLES AND/OR CRACKS
                       NEED PATCHING, PAINTING NEEDED, ETC.
                   4.  POOR: SOME WALLS OR CEILINGS NEED REPLACEMENT
                   8.  DON'T KNOW--WASN'T INSIDE HOUSE
                  .N   NA
                   0.  Inap. (Interview not conducted in R's home)

6524       ZZ9.   NEIGHBORHOOD RESIDENTS SEEM TO BE:                         

                   1.  ALL BLACK
                   2.  ALMOST ALL BLACK
                   3.  HALF BLACK AND HALF NON-BLACK
                   4.  ALMOST ALL NON-BLACK
                   5.  ALL NON-BLACK
                   8.  DON'T KNOW
                  .N   NA
                   0.  Inap. (Interview not conducted in R's home)

6525        ZZ10.  R'S UNDERSTANDING OF THE QUESTIONS WAS . . .               

                   1.  EXCELLENT
                   2.  GOOD
                   3.  FAIR
                   4.  POOR

6526        ZZ11.  R'S ABILITY TO EXPRESS (HIMSELF/HERSELF) WAS . . .         

                   1.  EXCELLENT
                   2.  GOOD
                   3.  FAIR
                   4.  POOR

6527       ZZ12.  WAS R SUSPICIOUS ABOUT THE STUDY BEFORE THE INTERVIEW?     

                   1.  NO, NOT AT ALL SUSPICIOUS
                   2.  YES, SOMEWHAT SUSPICIOUS
                   5.  YES, VERY SUSPICIOUS

6528        ZZ13.  WAS R SUSPICIOUS ABOUT THE STUDY AFTER THE INTERVIEW?      

                   1.  NO, NOT AT ALL SUSPICIOUS
                   2.  YES, SOMEWHAT SUSPICIOUS
                   5.  YES, VERY SUSPICIOUS

6529        ZZ14.  OVERALL, HOW GREAT WAS R'S INTEREST IN THE INTERVIEW?      

                   1.  VERY HIGH
                   2.  ABOVE AVERAGE
                   3.  AVERAGE
                   4.  BELOW AVERAGE
                   5.  VERY LOW

           ZZ15.  OTHER PERSONS PRESENT AT THE INTERVIEW: (CHECK ALL THAT
                   APPLY.)
6530        ZZ15   A. CHILDREN UNDER 6                                        
6531        ZZ15.  B. CHILDREN 6 & OVER                                       
6532        ZZ15.  C. SPOUSE                                                  
6533        ZZ15.  D. OTHER RELATIVES                                         
6534        ZZ15.  E. OTHER ADULTS                                            
6535        ZZ15.  F. NO ONE                                                  

                   1.  Checked                              
                   5.  Not checked
                   9.  NA                                   

6536        ZZ16.  DID R REFER TO DOCUMENTS TO ANSWER QUESTIONS?              

                   1.  FREQUENTLY
                   2.  SOMETIMES
                   4.  RARELY
                   5.  NEVER
                   8.  DK   
                   9.  NA

            ZZ17.  WHICH DOCUMENTS DID R REFER TO? (CHECK ALL THAT APPLY)
6537        ZZ17.  A. LOAN DOCUMENTS                                          
6538        ZZ17.  B. CHECKING; SAVINGS; INVESTMENTS                          
6539        ZZ17.  C. PENSION DOCUMENTS                                       
6540        ZZ17.  D. INCOME TAX RETURN                                       

                   1.  Checked                              
                   5.  Not checked
                   8.  DK                                   
                   9.  NA
                   0.  Inap. (Did not refer to documents)

***********************************************************************
MISC. RECODED VARIABLES
***********************************************************************
farm these out the to proper location elsewhere in the codebook...
***********************************************************************
 8161  variable to link head/spouse with 1983
      (0) not a panel case
      1989 R single
        (1) single in 1983
        married/partner in 1983
          (2) R was head in 1983
          (3) R was spouse in 1983
      1989 R married/partner
        single in 1983
          (4) R is head in 1989
          (5) R is spouse in 1989
        married/partner in 1983
          same R and spouse
            (6) R is head in 1989
            (7) R is spouse in 1989
          different spouse
            (8) R is head in 1989
            (9) R is spouse in 1989

* note that if absent spouse (i.e. x105=7 or x105=8 or x100 ne 0)
  then resp is always head and new values for x102,x105,and x107
                          x102=45
                          x105=12 or 13 if x8023=7 or 8
                          x107=12

 8152  assets of new spouse since 1983
 8153  debt of new spouse since 1983
 8154  for widows since 1983, amount of assets bequeathed outside HH
 8155  for widows since 1983, amount of insurance settlement
 8156  for div since 1983, amount of assets R kept
 8157  for div since 1983, amount of assets old S kept
 8158  for div since 1983, alimony involved?
 8159  for div since 1983, child custody agreement?
 8160  for div since 1983, child support?

X. VEHICLES

 8346 place holder for imputed value of x2103
 8347 place holder for imputed value of x2110

 8348 place holder for imputed value of x2204
 8349 place holder for imputed value of x2304
 8350 place holder for imputed value of x2404

XIII. FINANCIAL ASSETS

 4016  n50.face val oth life in
 8174  intrm var - original value of 4006

 4019  n52.if other assets     
 8173 number of other assets (N52)

XIV. EMPLOYMENT

 8067  total annual earnings (main job), H -- RECODE AND J
 8068  total annual earnings (main job), Sp -- RECODE AND J

EMPLOYMENT HISTORY RECODES + J

 8069  total years worked full-time, H
 8082  total years worked full-time, Sp

 8269  total years worked f.t. through 86 (for imp bounds), H
        no j-code var
 8282  total years worked f.t. through 86 (for imp bounds), S
        no j-code var

 8569  total years worked f.t. through 83 (for imp bounds), to
        be used if 8269 = . , no j-code var                 H
 8582  total years worked f.t. through 83 (for imp bounds), to
        be used if 8282 = . , no j-code var                 S

 8070  total number of employers >= yr, H (remember to make proper
       J code for cases where person is pt/nw and worked for < 5 yrs
 8083  total number of employers >= yr, Sp (remember to make proper
       J code for cases where person is pt/nw and worked for < 5 yrs

 8270  total number of employers >= yr through 86 (for imp bounds), H
        no j-code var
 8283  total number of employers >= yr through 86 (for imp bounds), S
        no j-code var

 8071  total years worked part-time, H
 8084  total years worked part-time, Sp

 8271  total years worked p.t. through 86 (for imp bounds), H
        no j-code var (for new 86 spouses a bound using 89 data only)
 8284  total years worked p.t. through 86 (for imp bounds), S
        no j-code var (for new 86 spouses a bound using 89 data only)

 8571  total years worked p.t. through 83 (for imp bounds), to
        be used if 8271 = . , no j-code var                 H
 8584  total years worked p.t. through 83 (for imp bounds), to
        be used if 8284 = . , no j-code var                 S

 8501  l.p.j var  = < .z when f.t. l.p.j. can't be calculated due to bad data
                 (=.f new sp 89 (p.t. or n.w.) or 86, and questions not asked)
                  =86 if f.t. l.p.j. is 86 job
                  =83 if f.t. l.p.j. is 83 job
                  =1  if new 89 sp never wk f.t.
                  =2  if no f.t. l.p.j. ( >= 3 years if f.t. in 89)
                  =5  if f.t. l.p.j. from new sp info 
                  =6  from 83 f.t. l.p.j.                          
                  =89 from 83-86/90 job                       H
 8601  l.p.j var  = < .z when f.t. l.p.j. can't be calculated due to bad data
                 (=.f new sp 89 (p.t. or n.w.) or 86, and questions not asked)
                  =86 if f.t. l.p.j. is 86 job
                  =83 if f.t. l.p.j. is 83 job
                  =1  if new 89 sp never wk f.t.
                  =2  if no f.t. l.p.j. ( >=3 years if f.t. in 89)
                  =5  if f.t. l.p.j. from new sp info 
                  =6  from 83 f.t. l.p.j.                          
                  =89 from 83-86/90 job                       S

 8072  wdk for other/self longest prior job, H 
 8085  wdk for other/self longest prior job, Sp 

 8073  occ longest prior job, H 
 8086  occ longest prior job, Sp

 8273  occ longest prior job, H (80 code)
 8286  occ longest prior job, Sp (80 code)

 8074  ind longest prior job, H 
 8087  ind longest prior job, Sp

 8274  ind longest prior job, H (80 code)
 8287  ind longest prior job, Sp (80 code) 

 8075  when started longest prior job, H (beware J codes)
 8088  when started longest prior job, Sp (beware J codes)

 8076  when left longest prior job, H (include R46c and R47c)
 8089  when left longest prior job, Sp (include R46c and R47c)

 8276  imp lower bound for 8076, H
 8289  imp lower bound for 8089, Sp

 8077  how much made when left longest prior job, H (include R46d and R47d)
 8090  how much made when left longest prior job, Sp (include R46d and R47d)

 8131  per for how much made, R
 8097  per for how much made, R
 
 8078  when expect to start working, nw, h
 8091  when expect to start working, nw, Sp

 8079  when expect to start pt, ft+nw, h
 8092  when expect to start pt, ft+nw, Sp

 8080  when stop working full-time, h
 8093  when stop working full-time, Sp

 8081  when stop working altogether, h
 8094  when stop working altogether, Sp

-----------------------------------------------------------------------------
-----------------------------------------------------------------------------
VI. EDITING INSTRUCTIONS
------------------------

                       1989 SURVEY OF CONSUMER FINANCES

                         REVISED EDITING INSTRUCTIONS

                         GENERAL EDITING INSTRUCTIONS

Recording         1.    Editors must write in the interviews in GREEN pencil
                        only.  Check editors must use RED pencil only.  The
                        Editing Supervisors must use red pencil and must
                        initial all decisions they make.

Deleting Items    2.    Never erase an interviewer's entries.  Instead, delete
                        them by circling them out.  The interviewer's entries
                        must always remain readable even after deletion. 
                        Editing marks may be erased if editing changes are
                        made.

Moving Items      3.    When it is necessary to move a response from one part
                        of the interview to another, circle the item out, and
                        enter it in the new place.  Be sure to place a note at
                        the old place stating where the item was moved to and
                        why.  Add another note at the new place stating where
                        the item was moved from.

Explanatory       4.    Explanatory notes should also be made (in addition to
Notes                   item 3 above) whenever a decision is made which might
                        not be apparent to someone reviewing the interview. 
                        THE REASON FOR YOUR EDITING SHOULD BE MADE CLEAR.

Missing           5.    Edit a response NA (NOT ASCERTAINED) whenever:
Responses (NA's)
                        a.  A question was skipped which should have been
                            asked.

                        b.  R refused to answer a question and there is no
                            'REFUSED' box.

The Golden Rule   6.    READ ALL MARGINAL NOTES and the THUMBNAIL SKETCH (on
                        the back page) and utilize the information contained
                        in them in your editing.  If any information from them
                        will be lost due to following the editing
                        instructions, or if it contradicts other information,
                        or you do not know how to incorporate it, see the
                        Editing Supervisor.  WE DO NOT WANT TO LOSE ANY
                        IMPORTANT INFORMATION CONTAINED IN MARGINAL NOTES.
Control           7.    MAKE SURE CONTROL QUESTIONS ARE CHECKED
Questions
                        a.    If a control question was left blank but the
                              questions contingent upon it were answered, you
                              can edit the control question to agree with the
                              contingent Q's.

                        b.    If a control question was left blank and the
                              questions contingent upon it were also left
                              blank, the control question should be NA'd,
                              unless the I'wer has circled or underlined a
                              skip instruction at the control Q indicating
                              which box was meant.  Then the appropriate
                              control box may be edited in.

                        c.    If, however, the control question was checked
                              and the series of questions contingent upon it
                              were left blank, the control question should be
                              left as is and the contingent questions that
                              follow should be NA'd.

Ranges and        8.    If a range is given, circle it out and edit it to the
Rounding                midpoint, rounding when necessary to the nearest whole
                        number.  If the midpoint should be halfway between two
                        whole numbers, edit it to the odd number.

Card B            9.    Whenever CARD B was used, the I'wer should have 
                        recorded a letter; edit in the appropriate numeric
                        code for that category from the Card B code below next
                        to the I'wers letter.  Watch for dollar ranges in
                        which the I'wer recorded the dollar ranges from CARD B
                        rather than the corresponding letter.  These will be
                        characterized by dollar ranges where the first number
                        ends in 01 and the range reads the same as on CARD B. 
                        Edit these as though the letters C-J were given.  Do
                        not, however, assume that the ranges "Less than $500"
                        or "$500-$1000" are the same as "A" & "B" on CARD B. 
                        Edit these normally.  If 2 letters are given as a
                        range (e.g., "C-D"), edit these to the number on the
                        lower end of the range for the second letter given
                        ("2,501" for the above example is the lower end of the
                        "D" range).

                                         CARD B CODES

                        IW'ERS            INDICATED                     
                        LETTER            RANGE                         CODE

                        A                 LESS THAN $500                9-980
                        B                 $500-$1,000                   9-981
                        C                 $1,001-$2,500*                9-982
                        D                 $2,501-$10,000*               9-983
                        E                 $10,001-$50,000*              9-984
                        F                 $50,001-$250,000*             9-985
                        G                 $250,001-$1 MILLION*          9-986
                        H                 $1 MILLION-$10 MILLION*       9-987
                        I                 $11 MILLION-$100 MILLION*     9-988
                        J                 MORE THAN $100 MILLION*       9-989

                        * If these ranges are found, you can assume the R gave
                        the range from CARD B instead of the letter, and edit
                        to the CODE specified above.

Modified          10.   Do not make adjustments to qualified amounts such as
Amounts                 "a little more," "over $X".  Do, however, use the
                        special codes listed below for the following:
                              
                              "over 1 million"   =   1,111,111
                              "over 10 million"  =  11,111,111
                              "only a little";   =  00 000 001
                              "not much"                      
                              

Cents Recorded    11.   If dollars and cents are recorded in amount fields
                        OTHER THAN HOURLY WAGES, circle out the cents portion. 
                        However, if you are using such a number for
                        calculations, use the cents.
 
Supervisor's      12.   When an editor makes a decision with the help of an
Decisions               editing supervisor or a study director, he/she should
                        record the initials of the person who helped them next
                        to the explanatory note.

Editors' Problem 13.   The purpose of the "Problem Sheet" is to provide a 
Case Summary            more complete description of certain types of problem
Sheet                   cases.  The information will be used to review
                        decisions made, to provide additional data for the
                        imputation process, and to give a more complete
                        picture of the case than the data alone allows.  These
                        sheets should be filled out in all the following
                        circumstances:

                        a.    Whenever there are marginal notes or other
                              volunteered information that is not captured in
                              the editing/coding, especially dollar amounts
                              and including responses to questions that
                              Interviewers asked in error.

                        b.    When a decision has been made that was somewhat
                              arbitrary and could have been made another way
                              using the information provided.  In these cases,
                              all information relevant to the decision should
                              be recorded.

                        c.    Wherever specifically instructed to do so in the
                              Edit Instructions.

                        d.    When requested to do so by the Editing
                              Supervisor.

                        e.    When an item must be NA'd because only "partial"
                              information is known, record the "partial"
                              information which would otherwise be lost.

                        f.    When significant detail is volunteered about
                              assets or debts in "mop-up" questions which will
                              not otherwise be incorporated into the data.

                        g.    When certain "wide" ranges are edited to their
                              midpoints they should also be recorded.  These
                              "wide" ranges are whenever:

                              THE TOP OF              THE RANGE WIDTH
                              THE RANGE IS...   AND   IS AT LEAST...  

                              UNDER 100,000           10,000 or more
                              100,000-1,000,000       100,000 or more
                              OVER 1,000,000          1,000,000 or more

                        Problem Sheets should be written in BLACK PENCIL or
                        INK.  Complicated or complex marginal notes and
                        problems can be xeroxed and attached.  They should be
                        left in the Interview and removed by the check-editor.

Double Counting   14.   Editors need to be continually on the lookout for
                        instances where the respondent has reported the same
                        information twice.  In many cases, a marginal note
                        from the I'wer will signal double-counting; if the
                        note is clear, edit accordingly; if it is not so
                        clear, you will have to use your best judgment and, if
                        necessary, see the Editing Supervisor.  In all cases,
                        where a marginal note leaves significant doubt about
                        whether or not an amount is double-counted, put it on
                        a Problem Sheet, whether your best judgment has led
                        you to edit it out or not.

                        In some cases, you will suspect double-counting only
                        because the same amount occurs in two different
                        places.  If the number is a simple, whole amount (such
                        as $2,000), you will only be able to suspect, but do
                        nothing.  If, however, the number is precise (say,
                        $2,212, or better yet, $2,212.48), you may (depending
                        on the circumstances) have clear evidence for double-
                        counting.  See the Editing Supervisor if it is not
                        certain.

                        The question-by-question instructions that follow will
                        include specific instructions where double-counting is
                        likely to occur and should be watched for, so be
                        especially alert in these places.

                        In some cases where double-counting is found, data
                        will be removed from one location; in other cases, the
                        double counting will be allowed to stay in both
                        places.  Cases of special note follow:

                        Section M:  A debt owed by R or other PEU member to a
                        (M12-M12b)  family business listed at M12-M12b can
                                    also be reported at H4-H14.

                        Section R:  Amounts listed as cash settlements at R52c
                        (R52-R52d)  can be double-counted in other sections. 
                                    If the cash settlement is the source of
                                    funds, they may be validly double-counted
                                    as investments or holdings in accounts.

                        Section Y:  Information that appears in Section Y as
                        (Y33-Y40b)  assets or debts of Financially Independent
                                    household members and in the other
                                    sections of the I'w will be removed from
                                    the other sections and left in Y33-Y40b,
                                    with the exception of the data on R's home 
                                    (Y39-Y39c).

                        Section X:  Assets that appear in Section X and also
                                    in earlier sections may be left in both
                                    places, since Section X refers to the
                                    source of the assets, and the earlier
                                    sections about how it's currently held.

                        Section T:  Income amounts that are reported in other
                                    places in the interview and in Section T
                                    should be left in both places.  Section T
                                    asks for all income and stands
                                    independently of the other sections except
                                    where noted.

General Rule      15.   If it is necessary to split $ amounts in order to move
for Splitting           only a part of a debt, income, or asset to either a
Items                   different place in the Interview or out of the
                        interview, one should use all available evidence and
                        common sense to decide on the proportions.  If no
                        evidence at all is available, you should split the
                        amount(s) in equal parts.  IN ALL UNCLEAR CASES,
                        however, you must get the help and advice of the
                        Editing Supervisor or have the Editing Supervisor
                        review the procedure you used and you must write it on
                        a Problem Sheet.

Financially       16.   The information about financially independent adults
Independent             living in the HU is to be edited out of all sections
Adults                  except the HHL and:

                        a.    Section Y, where their assets and debts are
                              recorded.

                        b.    M9b, where they can legitimately be recorded as
                              working in R/S's business.

Editing          17.   a.    When adding or deleting columns to or from a
Grids                         grid be sure the checkpoints at the bottom of
                              the grid are edited to reflect the changes made;
                              also change the #'s in the phrase "ONLY ___
                              LOANS (SAVINGS ACCTS, etc.)" so they agree.

                        b.    After editing out columns, renumber the
                              remaining columns by circling out the #'s in the
                              column headings.

                        c.    If an item is edited out of a full grid, thus
                              creating an empty column, and there is
                              information entered in the following mop-up Q's,
                              move it forward into the empty column.  

                        d.    If amounts from the "mop-up" questions following
                              a grid must be entered into a grid column and
                              the amount in the mop-up Q is a lump sum of more
                              than one item, split the amount proportionately. 
                              If unclear how to split, see the Editing
                              Supervisor.  In any case, write up what you did
                              on a Problem Sheet.

                        e.    After all deletions or additions to a grid take
                              care to edit the control # entered in the box
                              before the grid to the correct new total # of
                              items (i.e., after editing a "tractor" out of
                              the vehicle grid, which also contains a car and
                              pick-up truck, be sure to edit the control box
                              at G25a to "2").

"Partners"        18.   For the purposes of this study, a "Partner" is assumed
                        to play the same financial role in a P.E.U. as does a
                        "Spouse" and, for this reason, "Partners" are handled
                        in the Interview exactly the same as "Spouses."  If
                        you, however, think you have found evidence that an
                        Interviewer did not treat a "Partner" the same or that
                        a particular "Partner" might be better considered
                        (financially) a "Friend" or "Roommate", bring the
                        problem to the attention of the Editing Supervisor and
                        write them on a Problem Sheet.

Confidential     19.   If confidential information (such as names, names of 
Info                    businesses, etc.) is found in the interview or in the
                        TN, you should blot it out with a black pen.  If
                        information would be lost because of this, edit non-
                        identifying information in to replace it in green
                        pencil (i.e., if the name of R's business is written
                        in the TN, blacken it out and write in "R's
                        business").

Loan/Mortgage     20.   If a marginal note indicates that a Mortgage or Reg.
Payments                Installment payment reported is not the payment amount
                        agreed on (for example, if R is "prepaying" on a
                        loan), edit the payment to the payment amount formally
                        agreed to (or NA it if that amount is not known) and
                        write it and the amount actually being paid on a
                        Problem Sheet.

Checking Type of  21.   In the grid in Section A, R is asked to enter
Financial Inst.         information on the financial institution he/she does
                        business with in columns labelled "INSTITUTION #1-#6". 
                        In later grids at Q's D36, D51, D53h, D64, D74, E33,
                        G22, G38, H14, N4, N19 and N24, these "INSTITUTIONS"
                        are referred to in code boxes 01-06.  In these Q's
                        only one box should be checked in each column of the
                        grid.  If more than one is checked you should edit it
                        to one using the following rules:

                        a.    If category 1-6 and category 11-97 are checked,
                              edit it to only category 1-6 if, on checking at
                              A6, it is found that category 1-6 is the same
                              type of financial institution as category 11-97.
                              
                        b.    If they are found to be different types, or more
                              than one of category 11-97 boxes are checked,
                              see the Editing Supervisor.

                        IF "FINANCIAL INST" Q IS "CHECK ALL THAT APPLY"

                        However, at D68b, N13, N22c, N40c and N45 the
                        instructions in the questions are to "(CHECK ALL THAT
                        APPLY)".  For these you should ONLY make sure that the
                        number of items mentioned at the beginning of the
                        sequence is not LESS THAN the number of institutions
                        checked.  If they are, then see the Editing
                        Supervisor, unless rule a. above applies.

Edit Fractional  22.   At various places in the Interview (D30, D45, D58, E9,
Years                   E25, G16, G32, H8) R is asked to respond with ___# YRS
                        or ___# PYMTS.  If the responses to any of these is a
                        fractional number of years in the # YRS blank (e.g.,
                        "1-1/2" YRS), these should be edited out of the # YRS
                        blank and the corresponding number of payments should
                        be computed and edited into the # PYMTS blank, as per
                        the following:

                        a.    At D30, E9 and E25 the Q just before or
                              following specifies the frequency with which the
                              payments are  made (i.e., $___ PER ___) and the
                              number of payments would be computed from that
                              (e.g., if "1-1/2 YEARS" paid PER "QUARTER" to
                              "6" # PYMTS).

                        b.    For the rest, the # of payments should be
                              computed assuming one payment per month (e.g.,
                              "1-1/2" YRS = "18" # PYMTS).

                        c.    If any marginal notes or information should
                              indicate that some other "regular" frequency of
                              payments is reported than the frequency formally
                              agreed on (because the loan is being prepaid,
                              for instance), then use the frequency agreed
                              upon to compute the # of payments and it should
                              also be noted on the Problem Sheet.

$___ PER ___      23.   Throughout this interview, dollar amounts are asked
                        for as $___ PER___ where the PER frequency is left
                        optional for the R.  These are coded in two variables
                        and the "PER" variable contains codes for "WEEK",
                        "BIWEEKLY", "MONTH", "QUARTER", "YEAR" and "Other-MAKE
                        A CARD" and, in addition, "DAY" when wages are asked
                        for.  Thus, THERE IS NO REASON FOR YOU TO EDIT THESE
                        UNLESS SPECIALLY INSTRUCTED, even if the Q asks for an
                        answer in a different time period than the R answers
                        in (e.g., N49j asks for "yearly premium"; you should
                        not edit a response of $"20" PER "MONTH").

$___ PER MONTH          If, however, the time period is specified in the
                        format (e.g., $___ PER MONTH), you should edit a
                        response in any other time period to a response
                        consistent with the time period specified in the
                        format (e.g., at H9 a response of $"20" PER "week"
                        should be edited to $"86" PER MONTH).

Grid Control      24.   At the beginning of most of the grids in the interview
Boxes                   (at D53, E2a, E15, G2, G7a, G25a, H3, M5, N3, N16a,
                        N23a, R18, R51a, R52a, R53a and X2) are large boxes
                        which function as CONTROL BOXES for the grid.  The
                        number in the box should be equal to or greater than
                        the number of items recorded in the grid.

                        a.    If the grid does not have a set of "mop-up"
                              questions at the end of it, in which more than
                              one item may be lumped, then the number in the
                              grid will match or be greater than the number of
                              items entered in the columns of the grid.

                        b.    If the grid does have a set of "mop-up"
                              questions at the end, then the number in the box
                              must be at least as large as the number of
                              columns in the grid plus the number known to be
                              in the mop-up questions.

                        c.    If you edit items into or out of a grid, you
                              must edit the control box for it, to keep it
                              consistent with the grid and mop-up questions.

Gift/Inheritance  25.   Throughout the interview (at D15b, d & f, D20, E20,
Boxes                   E36b and E37a), when the value of an asset is asked, a
                        "GIFT/INHERITANCE" box is included.  Whenever you
                        encounter one of these and marginal notes or
                        information says that the asset, or part of the asset,
                        was a gift or inheritance, you should:

                        a.    Make sure the box is checked.

                        b.    Make sure the value given was the value of the
                              asset when it was received.

                        c.    If an asset was received as a gift or
                              inheritance in parts, at different times, see
                              the Editing Supervisor.

Business Debts   26.   In Sections G, H, N and at E1-E13b you are instructed
and Assets              to edit out "business" debt or assets in order not to
                        double-count them, as they are assumed to be included
                        in Section M.  Whenever so instructed, we mean
                        "business" debts and assets to be defined as follows:

                        a.    The "business" is a business that R or some
                              other PEU member owns or has an interest in
                              which is included in Section M as an active or
                              passive business.  

                              If R or a PEU member does self-employed work but
                              does not consider it to constitute a "business"
                              (and does not list it in Section M), then any
                              income producing assets they use or debt they
                              incur for it are "personal" asset and debt and
                              should be left in.

                              An example of this would be an R who owns a tow
                              truck (which he still owes money on) to do part-
                              time towing, but does not consider that he has a
                              business, so answers M3 "NO".  You would leave
                              his tow truck in the Section G grid.

                        b.    The "business asset" should be owned "in the
                              name of" the business rather than being owned as
                              a "personal" asset by the PEU.  Likewise, the
                              business should be liable for the debt rather
                              than the PEU.

                              Thus, if R borrows money for his business in his
                              name and he is liable for it, it is not
                              "business debt."  Also, if R's business owns an
                              asset (like a car), but R uses it, it is a
                              "business asset."

                              NOTE:  Solely owned proprietorships (see M9d)
                              are particular problems and in general you
                              should consult the Editing Supervisor if you
                              encounter "business" debt or assets for a solely
                              owned proprietorship outside of Section M.

                       ABBREVIATIONS USED IN EDITING

DU          Dwelling Unit = HU Housing Unit     I'w   Interview
EU          Economic Unit                       Mtg   Mortgage
Ed. Sup.    Editing Supervisor                  NA    Not Ascertained
FU          Family Unit                         OCC   Occupation
HU          Housing Unit                        PEU   Primary Economic Unit
Inap.        Inap.plicable Unit                 Pmt   Payment
I'er        Interviewer                         R     Respondent
IND         Industry                            S     Spouse

                              USEFUL DEFINITIONS

      1.    HOUSING UNIT (HU):

            a.    A one-family house or half of a two-family house, or
            b.    An apartment or flat in an apartment house or other
                  building, or
            c.    A trailer or mobile home (as long as it has cooking
                  facilities), or
            d.    Living quarters in back of stores, over garages, etc., or
            e.    A rooming house.

            We do not sample institutions such as old people's homes,
            sanitariums, convents, military bases, dormitories, etc., which
            contain ten or more unrelated families.

      2.    FAMILY UNIT (FU):  A Family Unit is a group of persons living in
            the same Housing Unit who are related to each other by blood,
            marriage, or adoption.  Couples who are living as married are
            treated as if they were married.  

      3.    PRIMARY ECONOMIC UNIT (PEU):  The members of the FU that includes
            the Respondent, who are Financially Dependent upon the R.  For our
            purposes, the PEU consists of all the people listed in the HH
            Listing Box who are not checked "INDEP" in Column F.

                       LISTING BOX -- P. 1, HHL1-HHL5
                                                                              

FS          INITIAL THE INTERVIEW AT THE TOP LEFT OF FACESHEET
              
TN          READ THE THUMBNAIL ON LAST PAGE AND Y41 FOR ADDITIONAL INFORMATION
            AND TO LOCATE TROUBLE SPOTS IN THE INTERVIEW.  UNDERLINE USEFUL
            INFORMATION IN GREEN.

HHL         CHECK WHETHER THE INTERVIEW SHOULD HAVE BEEN TAKEN.  If you find
BOX         an interview taken:

            1.    where the current PEU did not live in the HU at the time the
                  I'wer first went to the HU (except for the list
                  'SPEC' sample).

            2.    where the R is not a member of the PEU.

            3.    at a place which does not fit our definition of a HU (except
                  for the list 'SPEC' sample).

            Take it to the Editing Supervisor.  The decision whether to accept
            it or not will be made elsewhere.

HHL         CHECK THE LISTING BOX AND EDIT OUT NON-HU MEMBERS
BOX
            1.    The listing box should contain all persons living in the
                  housing unit at the time the interviewer first had contact
                  with the household.  

            2.    It should not include visitors or persons who are not
                  currently living in the HU. 

           3.    Edit out non-HU members (by circling in green) and writing
                  an explanatory note.  Use information from the HHL as well
                  as the rest of the Interview and the TN.  In cases where the
                  situation is complex, the final test is whether or not the
                  person could have, theoretically speaking, been interviewed
                  somewhere else at the time that the interviewer CALLED ON
                  THE HU for the first time.  In order to ascertain the date
                  of the interviewer's first call it is necessary to obtain
                  this information from the Cover Sheet in the Field Control
                  Office.  See a Check Editor or Supervisor for this.  As much
                  as possible, the judgment of the Interviewer should be
                  maintained.  If it is unclear if a person should be included
                  or not and the Interviewer has included them (and thus their
                  financial information), then usually we should include them. 
                  Likewise, if it would mean NA'ing a lot of data because the
                  Interviewer did not not include them, then we shouldn't.

            4.    If you edit anyone out of the HHL box you must also edit out
                  any financial information for the person from the interview. 
                  You should take any such cases to the Editing Supervisor and
                  you must write it up on a Problem Sheet.

            5.    If you edit any children of R, Spouse or Partner out of the
                  Listing Box you must edit them into Y5-Y5b (the number of
                  children of R and Spouse/Partner living elsewhere).

HHL COL C   PRECODE R AND S/P's DOB, COMPUTED AND IMPUTED AGES

            1.    Transfer R's (Y3 on p.107) and Spouse/Partner's (Y19 on
                  p.114) Date of Birth to the "DOB" blanks in the large boxed
                  stamp under the U of M seal on the I'w facesheet.

            2.    Compute R's and S/P's ages at the time of the Interview from
                  their Date of Births and enter them in the "COMP" age boxes
                  in the large boxed stamp on the facesheet.

                  a.    Use the Date of IW" at 3 on the facesheet to compute
                        these ages.  If more than one date is entered there,
                        use the earliest.

                  b.    If birth year is NA or DK, code COMP AGE '99'.

           3.    Check the Computed "COMP" ages for R and S/P against their
                 reputed ages in Column C of the HHL box and:

                  a.    If they are both the same or there is only a one or
                        two year difference between them, enter the "COMP" age
                        in the "IMPUT" (imputed) age boxes next to the "COMP"
                        age boxes on the facesheet.

                  b.    If there is more than a two year difference between
                        the computed ages in the "COMP" boxes and the reputed
                        ages in COL C of the HHL box, then:

                        1)    Try to reconcile the difference using all
                              available information (specified below) and, if
                              you can, enter that imputed age in the "IMPUT"
                              age boxes.  

                              However, if other information leaves doubt as to
                              what R's or S/P's "correct" age should be, then:

                        2)    Enter the mid-point of the computed age and the
                              reputed age in the imputed age boxes.

                        LOCATIONS OF AGE RELATED INFO

                        R45-R45k:   "Work History" -- R
                        S45-S45k:      "     "     -- S
                        R46-R46k:      "     "     -- R
                        S46-S46k:      "     "     -- S
                        R47-R47k:      "     "     -- R
                        S47-S47k:      "     "     -- S
                        R50e:       Social Security Payments
                        Y5-Y5b:     # Children
                        Y7-Y13a:    Marriage History
                        Y22-Y22g:   Spouse's Marriage History
                        TN:         General Info

HHL COL D  CHECK MARITAL STATUS AND MOVE SPOUSE/PARTNER TO LINE 2:

            1.    Check that the marital status for R and Spouse/Partner is
                  the same -- either both married or both living with a
                  partner (M or P).  If there are any discrepancies, bring
                  them to the attention of a supervisor.

            2.    If R reports "married", but is not currently living with
                  his/her spouse, edit the spouse out of the listing box (if
                  listed) and code R as either '7' or '8' as per the code
                  below, by printing "7" or "8" next to "M" in Col. D.  These
                  cases must be entered on a Problem Sheet.

                  
                  ABSENT SPOUSE CODE:                                      
                                                                           
                  7.   Spouse is institutionalized or otherwise not        
                       eligible to be sampled (out of U.S., living on      
                       military base, in nursing home, in prison, etc.)    
                                                                           
                  8.   Other non-resident spouses, including those living  
                       elsewhere because of job; moved and R will follow   
                       later; "commuter marriage," etc.                    
                  

                  You should then:

                  a.    Edit the Interview with the debts, assets and income
                        of the missing spouse being included or not being
                        included depending on how the Interviewer conducted
                        the interview; i.e., if the Interviewer included them,
                        then leave them included; if the Interviewer excluded
                        them, then exclude them while editing.
                 b.    Pre-code the "appropriate" absent spouse code,
                        specifying whether or not the missing spouse's
                        financial information has been included in Sections A-
                        X nor not, in the upper left corner of page 1 using
                        the code below:

                        
                        ABSENT SPOUSE PRECODE:                            
                                                                          
                        1.   The absent spouse's financial information is 
                             included in Sections A-X.                    
                                                                          
                        5.   The absent spouse's financial information is 
                             not included in Sections A-X.                
                        

                  c.    If there is a Spouse Booklet for the missing Spouse,
                        leave it in and edit it.  If there is not a Spouse
                        Booklet, you should get a blank Spouse Booklet and
                        edit in as much information as you have.

                  d.    Edit CHECKPOINTS at R49, Y7 and Y16 to include the
                        missing Spouse.

            3.    If the spouse/partner is not listed on the second line,
                  renumber the HH members, giving the spouse/partner #2.  Draw
                  an arrow from the S/P to line 2 indicating that the
                  spouse/partner should be entered on Line 2.

            4.    NOTE:  "S" means "Separated" (not "single").  "NM" means
                  "Never Married."

            5.    If a child/stepchild of R/S is over 18 and marital status is
                  not marked, code it 'NA'.

HHL COL E  PRECODE RESIDENT STATUS

            Read over any marginal notes and use the following code for each
            person in the HHL box.

                             RESIDENT STATUS CODE
      
            1.   An adult or child who is marked "YES" in COL E or a person
                 not marked in COL E who has no marginal notes indicating  
                 any irregularities.                                       
                                                                           
            2.   A person who is a child under 18 who lives at this HU for 
                 only part of the year (e.g. joint custody; "summers spent 
                 with R, school year with spouse").                        
                                                                           
            3.   R's or S's child/grandchild 18 or over who goes away to   
                 school for part of the year.                              
                                                                           
            4.   Another adult who lives at this HU only part of the year  
                 (e.g., R's parent who lives with R for 6 months and with  
                 another relative for 6 months); living here temporarily.  
                                                                           
             5.  "NO" is marked in COL E and no explanation given.         
                                                                     
      MAKE   9.  Some other situation, not codeable above, e.g., a foster  
      CARD       child when COL E is left unmarked and there is no         
                 indication how it is to be marked.                        
      

            For codes 2-4 and 7, circle out the YES or NO response and enter
            the new code in the middle of COL. E (between the 'S' and the
            '5').  For codes '1' and '5', underline the "1" or "5" in green.

HHL COL F  PRECODE THE ECONOMIC UNIT

            Code the "economic unit" to which each person in the listing box
            belongs.  Enter the code to the left of the center bar of COL. F,
            under 'FINANC DEPEND'.  Use the following code; R is always coded
            '1'.  

                                   E.U. CODE
            
            1.   THE PRIMARY ECONOMIC UNIT always contains R, R's           
                 Spouse/Partner and their children under 18.  In addition,  
                 it contains their children 18-22 not marked INDEPENDENT    
                 as well as all others listed who are marked FINANCIALLY    
                 DEPENDENT.  It also includes anyone not marked in COL F    
                 for whom there is no evidence to indicate that they are    
                 FINANCIALLY INDEPEND.                                      
                                                                            
            2.   THE SECONDARY ECONOMIC UNIT contains the first FINANCIALLY 
                 INDEPENDENT adult listed and any other adult or child who  
                 are financially dependent on that person, such as a the    
                 the independent person's spouse or their children.         
                                                                            
            3.   THE THIRD ECONOMIC UNIT contains the next FINANCIALLY      
                 INDEPENDENT person and persons clearly dependent on them.  
                                                                            
                 OTHER ECONOMIC UNITS are identified and numbered           
                 consecutively (4-7).                                       
            

            If it is unclear whether a person is FINANCIALLY DEPENDENT or
            INDEPENDENT or which EU a person should be a member of, see the
            Editing Supervisor.

EU MEMBERS  The debts, assets and income of all PEU members (coded 1) should
FINANCIAL   be included in Sections A-X and none of them should be included in
INFO IN     Y33-Y43.  Likewise, all persons not in the PEU (i.e., in 2nd, 3rd,
WRONG PLACE etc. EU) should have their finances reported in Y33-Y40b and
            should not be reported in Sections A-X (with the exception of
            house value and mortgage information to be explained later). 
            Thus, if you edit anyone into or out of the PEU or you find any
            evidence that anyone's finances are reported in the wrong place,
            you must edit them to agree with the HHL box and it should be
            entered on a Problem Sheet.  If there are any doubts concerning
            this issue, you should bring the Interview to the Editing
            Supervisor.

PARTNER     If any Spouse or Partner is marked "FINANC INDEP":
OR SPOUSE
MARKED      1.    If it is a partner marked "INDEP" and their finances are
INDEP.            clearly reported in Y33-Y43 and not in Sections A-X the
                  "partner" should be edited to "friend" in the HHL box.  If
                  their finances are included in Sects. A-X and not in
                  Y33/Y43, edit COL F of the HHL box to 'FINANC DEPEND'.

            2.    If it is a spouse marked "INDEP", COL F should be edited to
                  "FINANC DEPEN".  In either of the above cases, the Interview
                  should be taken to the Editing Supervisor and a Problem
                  Sheet written up.

UNDER 22    If a person under 22 years old is marked "INDEP":
MARKED
INDEP       1.    If it is clear that their finances are reported in Y33-Y43
                  and not in Sections A-X, leave things as they are.

            2.    If their finances have not been included in Y33-Y43, but
                  instead in Sections A-X, edit them to "FINANC DEPEND".

               SECTION A:  ATTITUDES AND FINANCIAL INSTITUTIONS

A5, A5M     Check that the number entered at A5 agrees with the number entered
            in the box at A5m.  If it does not, see the Editing Supervisor.

A5m         Edit the # INST entered in the box at A5m is equal to or greater
            than the number of Institutions recorded in A6-A9 for Columns #1-
            #6.  If R reports more than 6 institutions, the number in this box
            may be greater than 6 even though only 6 institutions will be
            listed in the grid.

A6-A9       FINANCIAL INSTITUTIONS GRID

            1.    Columns should be neither added to this grid nor deleted. 
                  If, however, more than six institutions are entered in the
                  columns, edit those beyond six out.  There should only be
                  six institutions listed in the columns.  See the Editing
                  Supervisor if there is any confusion here concerning which
                  institution R regarded as #1, #2, etc.

A6          Edit "OTHER INSTITUTION TYPE" Questions.  If no box is checked in
            a column at A6, but instead the type is written in the "OTHER"
            box, edit the written response to category 11-14 or 16 if it is
            quite clear that the institution type in the written response is
            consistent with the type of institution in category 11-14 or 16.

A8          Check for Banks Less Than or Over 50 Miles Away.  If a distance of
            less than one or over 50 miles is written in the "MILES" blank in
            any column for A8, edit it out and check box 96 or 51.

               SECTION B:  ATTITUDES TOWARD CREDIT/CREDIT CARDS

B6-B10      CREDIT CARD GRID

            1.    If R does not know how many cards of a particular type other
                  family members have, or the balance on those cards, the
                  interviewer is instructed to make a marginal note.  Enter
                  this information on a Problem Sheet.

            2.    Edit out all credit cards in the name of a business
                  (including businesses that the PEU has an interest).  Do
                  not, however, edit out credit cards in R's or PEU members'
                  names but which may be used for business.

            3.    Check Column E credit card type.  If it is clear that a
                  credit card listed in COL E really belongs in one of the
                  other columns, edit the information into its proper
                  location.  Most commonly a store credit card will have been
                  entered here and should be edited to COL B.

                  a.  Telephone credit cards should be left, or included, in
                      COL E.

B6,B10      Check the Number of Financial Institutions against the Number of
COL A       Bank-Type Cards.  If there are more institutions checked at B10
            than the # of accounts entered at B6, see the Editing Supervisor.

                      SECTION D: HOUSING STATUS (D1-D22)

D1          1.    Check that the correct sequence was followed at interviewer
                  checkpoint.  Check ZZ2 and D16 to help in identifying
                  problems.

            2.    See farm guidelines, p. 24.

D4          Edit # acres to percent by dividing the # acres in D4 or D8 by the
            # acres in D2.  Round to two decimal points.  100% is allowable if
            given by R (even though R lives on part of it).

D5          OWNERSHIP STATUS OF FARM/RANCH

            1.    Check that R's who live on farms or ranches have gone
                  through the own/rent sequence appropriately.  Look for
                  marginal notes that explain any unusual situations, and
                  bring these to the attention of the supervisor if the
                  sequence marked does not appear to incorporate all
                  information.

            2.    If PEU are share croppers or tenant farmers:  A share
                  cropper does not own the farm but uses the farm and pays
                  rent in the form of a share of the crops to the owner.  A
                  tenant farmer rents his farm and pays rent in cash.  For
                  people in these classifications, make sure the "RENTS" box
                  is checked at D5.  Check the rent amount given at D17; if it
                  is given as a dollar amount, leave it as is.  If R "doesn't
                  know", edit it to 9,999,996.  In either case, write it on
                  the Problem Sheet if the rent, or part of the rent, is not
                  paid in money.

            3.    If the "OTHER" box at D5 is marked, examine the response to
                  see if it should be edited to boxes 1-4 only if the proper
                  skips have been followed.  If the response should remain in
                  the 'OTHER' box, write it on a Problem Sheet.

D5c         Edit as per D19 below.

D8          Edit the # ACRES to PERCENT as per D4.

                                                              January 12, 1990

                             FARM EDIT GUIDELINES

We have arrived at a set of guidelines for handling farms that we think will
be fairly clear in most cases.  The guidelines are:

For farm owners and operators:

      1.    All property of the farm, whether adjacent or not, as long as it
            is reported as a single business, will be included in the D
            section.  D2 should contain all the acreage of the farm; D5d (or
            D10) will contain the value of all the land of the farm that the
            PEU owns; and D20 should be the total cost of all the property of
            the farm.

      2.    Frequently farmland that is not adjacent to the land the home is
            located on is reported in section E.  Such property and any
            associated debt should be moved from the E section to the
            appropriate section D sequences.

      3.    The above assumes that the PEU actively manages a farming business
            that is reported in the M5-M18 sequence.  The amounts in M14, M15,
            and M18 will contain the following:

            M14         The total current value of all the farmland plus the
                        house and immediately surrounding land plus any tools,
                        implements, or stock.

            M15         The amount that was paid for all of the above.

            M18         The amount at M14 minus any debt on the farmland or
                        the farm business.

            In all cases these items will need to be checked by the Editing
            Supervisor.

For all cases that do not fit the situations outlined above, see the Editing
Supervisor.

D11,D11e   MOBILE HOMES:

            1.    Look for marginal notes that explain any unusual situations,
                  and bring these to the attention of the supervisor if the
                  sequence marked does not incorporate all relevant
                  information.  Write such cases on a Problem Sheet.

            2.    If "NEITHER OWNS NOR RENTS" is marked, examine the responses
                  to see if R owns any part of the site or mobile home.  If
                  so, edit D11 and follow-up questions appropriately to agree
                  with the information you have.  If there is any uncertainty
                  about how to code D11, see the Editing Supervisor.

D16-D16b    HOUSE/APARTMENT/FARMHOUSE OWNERSHIP STATUS:

            1.    Look for marginal notes that explain any unusual situations. 
                  If the sequence marked does not appear to incorporate all
                  information, bring these to the attention of the Editing
                  Supervisor.  Write up any problem cases on a Problem Sheet.

            2.    If R mentions Homeowners' Association at D16, edit it to 
                  '5. TOWNHOUSE ASSOC.'

                  a.    If notes make it clear that the fees are not paid or
                        that they are paid but are optional or for
                        recreational purposes only, edit D16 to OWNS OR IS
                        BUYING and edit D16a to ALL OTHERS.

                  b.    OTHERWISE, edit D16 to TOWNHOUSE ASSOC. and D16b to
                        the fees given (NA them if the amount is not given).

            3.    If the home is owned wholly or partly by a business owned by
                  the PEU (in Section M), see the Editing Supervisor.

            4.    If "R LIVES IN MULTIPLE HU STRUCTURE" is checked at D16a,
                  check the responses to D18 and D18a.  

            5.    If "NEITHER OWNS NOR RENTS" is checked, read the explanation
                  given at D16c and check that the correct sequence was taken. 
                  
                  a.    If it appears that R owns any part of his/her home,
                        edit D16 to "OWNS OR IS BUYING" and edit the follow-up
                        questions appropriately, using all the information
                        given.  If there is any uncertainty, see the Editing
                        Supervisor and write any problem cases on the Problem
                        Sheet.
                  b.    If R's housing is fully subsidized by the government,
                        including military personnel, edit D16 to "PAYS RENT".

                                  DEFINITIONS
            
            1.   NEITHER OWNS NOR RENTS are those who:                     
                                                                           
                 a.    receive rent as part of their pay                   
                                                                           
                 b.    have sold the house in which they live, have not    
                       moved out as yet, but pay no rent                   
                                                                           
                 c.    who receive housing as a gift from someone outside  
                       the HU.                                             
                                                                           
            2.   IF BOTH "OWNS" AND "RENTS" BOXES ARE CHECKED, a correction
                 must be made.  For example:                               
                                                                           
                 a.    when someone rents the dwelling they live in now,   
                       but owns a home somewhere else, it is the residence 
                       currently occupied that is wanted here, and they    
                       should be considered a renter.  The home they own   
                       is real estate which should be counted at E15.      
                                                                           
                 b.    If someone rents their home now but has built or    
                       bought, or is building, a home into which they are  
                       about to move, only the RENT box should be checked. 
                                                                           
            3.   WHEREVER R IS CURRENTLY LIVING IS WHAT SHOULD BE RECORDED.
                                                                           
                 If you find someone reporting on a residence which they   
                 are not currently living in, take it to the Editing       
                 Supervisor.  A Problem Sheet will have to be written up.  
            

D17-D17c   IF PEU PAYS RENT:

            1.    If R pays for both room and board, edit out the amount paid
                  for board.  If the amount paid is not known, assume half of
                  what is paid is rent.  If this seems unreasonable, see the
                  Editing Supervisor.

            2.    We want the rent most recently paid (or due).  For example,
                  if "the rent was just raised to $275, but when the rent was
                  paid last it was $260," edit it to $260 per month.  If R
                  mentions several different rents paid over the past year and
                  gives an average, edit to the rent last paid (or due).

            3.    If the rent is shared with other EU's, edit D17 to the PEU's
                  share only.  If several "Independent Adult" roommates share
                  the rent with R and the proportions are unknown, split the
                  total rent equally among them and edit D17 to R's share.  If
                  the situation is more complex, see the Editing Supervisor.

            4.    If all of R's rent is subsidized by a governmental unit,
                  edit D17 to '9 999 995' and NA D17a and D17b if they have
                  been left blank.  Check T1k&n to make sure that the value of
                  the subsidized rent is included in those income amounts.  If
                  it isn't, edit it at T1k or T1n as per instructions there.

            5.    FOR TENANT FARMERS & SHARECROPPERS -- see D5.

D17a        Water is not assumed to be a utility for purposes of D17a.  If
            "Yes, water" or "only water," edit the response to "NO" 

D17b        If only stove and/or refrigerator are provided, edit D17b to
            "UNFURNISHED" if it is not already so marked.

D17c        If R "lived here before," moved out and then moved back, edit D17c
            to date R moved back this time.  If R lived in another apartment
            in this building or project before moving to this apartment, edit
            D17c to date R moved to this apartment.

D18, D18a   Look for marginal notes here explaining any unusual situations. 
            If it is unclear how such information should be coded, see the
            Editing Supervisor.  Write it up on a Problem Sheet if there are
            any unusual or confusing situations.  Check ZZ2 for clarification.

D19         FOR HOME (FARM) OWNERS:

            1.    The house value at D19 should include the part R owns.  For
                  farmers this includes the house, farm buildings, and
                  contiguous farm land.

            2.    If R says they have been offered $80,000 but wouldn't take
                  less than $100,000, code the midpoint.

            3.    If R has been offered more than the actual value of the
                  property ("I've been offered $50,000, but it's actually
                  worth only $30,000"), code the amount offered.

            4.    If R mentions only the TAX assessed value edit it to 
                  "9,999,996" and put it and the tax assessed value on the
                  Problem Sheet.

            5.    If part of the house is owned by persons with independent
                  finances, the whole value of the house should be at D19-D22
                  as long as 100% of the house is owned by HU members.  
                  If others outside the HU own part of the house, only the
                  part owned by HU members should be in D19-D22.
                  The value of the HU's share should be at Y39b & Y39c as
                  well, if relevant.

D20         If R bought a house furnished, do not attempt to separate out the
            value of the furnishings.  

D21         DATE OF PURCHASE:

            1.    In cases where multiple dates are given at D21 (purchase
                  date, the house occupancy date, and/or the date of the
                  mortgage), edit in the date as per the following priorities:

                  
                  1st Priority:  The purchase (closing) date of the house
                                                                         
                  2nd Priority:  The date of the mortgage on the house   
                                                                         
                  3rd Priority:  The date moved in                       
                  

                  Record the uncoded dates on the Problem Sheet.  If the
                  purchase date of the land is given, edit it out.

            2.    If the house was purchased/inherited/built in increments,
                  edit it to the priorities above for the earliest increment
                  of the house itself (not incl. land purchases).

            3.    If farmers bought their farm in increments, use the date the
                  house was purchased/built.

            4.    If the house was inherited (the GIFT/INHERITANCE box at D20
                  is checked), this date should be the date inherited.

D22         Add land and house taxes together if they are given separately.
            If the period of taxes is not given, write in "YEAR."

               SECTION D: HOME MORTGAGES AND OTHER HOME LOANS
                                   (D23-D53)

D23         If R reports both "YES, MORTGAGE" and "YES, LAND CONTRACT" at D23,
            check the grid to make sure that at least two columns of the grid
            have been filled out.  If they have, edit D23 to "YES, MORTGAGE"
            and follow that sequence.
            If at least two columns of the mortgage grid have not been filled
            out, see the Editing Supervisor.

D27-D40a    THE MORTGAGE GRID

            1.    Be on the lookout for any unusual or confusing mortgage
                  arrangements which may be problems.  Take them to the
                  Editing Supervisor and, if necessary, write them up on the
                  Problem Sheet.

            2.    Mortgages reported in this grid should always be left in
                  unless it is clear:

                  a.    that it is not the home the PEU is currently living in
                        (move these debts to E15-E34, "Other Property");

                  b.    the home the PEU is currently living in is not
                        collateral for the mortgage (these may be moved to
                        D41-D51 or D54-D64) depending on the purpose of the
                        loan;

                  c.    the PEU is not liable for the mortgage.

                  d.    NOTE:  Another exception would be a HOME EQUITY LINE
                        OF CREDIT (see Quick Reference Guide for definition)
                        that was NOT a first mortgage.  These should be edited
                        out of COL B or C for D27-D40 or D41-D51 and moved to
                        D53-D53m.

                  In all these cases see the Editing Supervisor and the case
                  should be written up on the Problem Sheet.

            3.    If it is discovered that the PEU does not own any of the
                  home and are living rent-free, D16a will have to be edited
                  to NEITHER OWNS NOR RENTS, and Section D re-edited, UNLESS
                  the owner is an Independent Adult living in the HU.  Then
                  the full house value and mortgage should be left in and
                  edited as per item 2 for D28, D29, D31.  Be sure, in these
                  cases, that Y39a is "100%".  See the Editing Supervisor and
                  write this up on a Problem Sheet.

            4.    If it is found that the mortgage is partly or wholly assumed
                  or paid for by a business in Section M owned by the PEU, you
                  should see the Editing Supervisor.

            5.    If marginal notes indicate that the payments change during
                  the life of the mortgage for reasons other than variable
                  interest or balloon payments (which are handled by the
                  grid), see the Editing Supervisor and put it on the Problem
                  Sheet.  Examples of these would be "negative amortization"
                  or "graduated payments".

            6.    Co-ops may have mortgages on the entire building, as well as
                  on the PEU's unit.  If you encounter any such as these, edit
                  them to include only PEU's unit.

D27, D28,   In the case of assumed mortgages, the data in D27, D28, and D30
D30         should be as of the date that the mortgage was assumed by the PEU,
            not the date it was originally taken out by the seller.

D27a        Beware of confusions between "seller-provided" mortgages (where
            the seller provides the financing for the mortgage and the PEU
            pays the seller) and "assumed" mortgages where the PEU takes over
            the payments from the seller.  For "seller-provided" mortgages,
            D27a should be edited to "NO".

D28, D29   1.    If the PEU owns the house jointly with others outside the
D31               HU, D28, D29 and D31 should be edited to include only the
                  PEU's share.  If a split must be made, see the Editing
                  Supervisor.

            2.    If it is jointly owned with an Independent Adult living in
                  the HU, then the FULL mortgage should be in Section D.  Y39
                  should record the Independent Adult's percentage.  The FULL
                  value of the house should be included at both D19 and Y39b
                  and the FULL amount still owed on the mortgage should be
                  included at both D29 and Y39c.  In addition, in these cases,
                  the editor should check to insure that D20 includes the FULL
                  purchase price and D22 ALL of the real estate taxes on the
                  home.  NOTE:  The I'wer Instruction in parens following the
                  Q at D19 does not apply to these cases.

            3.    If D28, D29 and D31 are given for an entire building which
                  is only partly occupied by the PEU, they should be edited to
                  include only that part occupied.  In these cases you must
                  see the Editing Supervisor and write the case on the Problem
                  Sheet.

D29         If D29 is NA, do NOT compute it from D30 and D31; leave it blank.

D30         1.    If D30 is answered in a fractional # of years, edit it as
                  per the GENERAL INSTRUCTION 22a.

            2.    If "NO SET #" is checked, check D52-D53k for possible
                  double-counting.  If double-counting is found, see the
                  Editing Supervisor.

D36         Edit the Type of Institution at D36 as per GENERAL INSTRUCTION 21.

D37         Precode the purpose of the 2nd mortgage at D37 using the LOAN
            PURPOSE CODE.

D40, D40a   Check that the D40 and D40a boxes are checked correctly after all
            editing of this section is finished.

D41-D51    OTHER HOME LOANS

            1.    Watch for cases here which have:

                  a.    HOME EQUITY LINE OF CREDIT loans, which should be in
                        D53-D53m;

                  b.    2nd and 3rd Mortgages (for which the home is clearly
                        noted as being collateral) which should be in COLUMNS
                        B & C of the D27-D40 mortgage grid;

                  c.    Home improvement loans (purpose clearly stated), for
                        which the home is not collateral, should be in D54-
                        D64.

                  If you think you have found any of these, see the Editing
                  Supervisor.  They should be edited to their proper place. 
                  If you find such a loan here double-counted with one in D53-
                  D53m, the Section H loan grid, or D54-D64, edit it out here
                  and leave it in its proper place.  These should be written
                  on the Problem Sheet.

            2.    If more than one "other" loan is itemized here, leave the
                  largest (in terms of the amount borrowed) here and move any
                  other to the grid at H3-H15 (where they should be coded "01"
                  for loan purpose).

D45         If D45 is answered in a fractional # of years, edit it as per the
            GENERAL INSTRUCTION 22.

D51         Edit the type of institution at D51 as per GENERAL INSTRUCTION 21.

D53         Edit the # LINES OF CREDIT entered in the box at D53 to be
            consistent with the number recorded in Columns #1-#3 of the grid
            and D53m as per GENERAL INSTRUCTION 24.

D53a-D53h  THE HOME EQUITY LINES OF CREDIT (HELC) GRID

            1.    If a HELC here is double counted in the Mortgage grid at
                  D27-D39, leave it in there if it is the first mortgage;
                  leave it in here if it is not a first mortgage; put it on a
                  Problem Sheet in either case.

            2.    Check for Credit Cards which may be included or double-
                  counted here.  They should be edited out of this sequence to
                  Section B.  If they are double counted, remove them from
                  Section B and put the information on a Problem Sheet.  If
                  they can't be separated out of Section B, see the Editing
                  Supervisor.

            3.    Edit out any business lines of credit found here.

D53d        Pre-code the purpose of the loan using the LOAN PURPOSE CODE 

            If the purpose of the loan is coded "10" (to purchase a car),
            check the "owned vehicle" grid (G8-G23) to see if this loan is
            double-counted there.

                  a.    If it clearly is, edit the debt out of the vehicle
                        grid.

                  b.    If it may be, but it is not clear, see the Editing
                        Supervisor.
                        NOTE:  A car used for business purposes (but not owned
                        by the business) may be left here.

D53h        Edit the type of institution at D53h as per GENERAL INSTRUCTION
            21.

D53m        If the PEU has more than three HELC, any money owed on these
            surplus lines will be entered at D53m.  If marginal notes should
            include more information on one or more of them than just the
            amount owed, move it to the loan grid at H1-H15, if there is an
            available empty column.  If the purpose of the loan is not
            specified, you will have to precode loan purpose NA.

            SECTION D: ADDITIONS AND REPAIRS AND LINES OF CREDIT
                                   (D54-D76)

D54-D54a    ADDITIONS AND IMPROVEMENTS

            1.    Check marginal notes to make sure R has not failed to
                  include an addition such as "landscaping", "built a garage",
                  or some other exterior addition which he/she thought should
                  not be included but which is an addition.  If you find such
                  cases, bring them to the Editing Supervisor.

            2.    Additions on farms and businesses should be edited out.  But
                  additions on the farmhouse, or that part of a business which
                  contains the PEU's home, should be left in.

            3.    If a home was built in increments and an addition seems to
                  be one or more of the increments, take it to the Editing
                  Supervisor.  Building of the home and its cost and loans
                  should not be here.

D55-D65     LOANS FOR ADDITIONS

            1.    If a loan here is clearly collateralized by the house, it
                  should be moved to column 2 or 3 in the mortgage grid.

            2.    If you find a loan here that is clearly a Home Equity Line
                  of Credit, it should be moved to D53-D53m.

            3.    Loans here that are double-counted in the mortgage or HELC
                  sections should be edited out here and left in those
                  sections.

D58         If D58 is answered in a fractional # of years, edit it as per the
            GENERAL INSTRUCTION 22.

D64         Edit the type of institution at D64 as per GENERAL INSTRUCTION 21.

D65-D65b    If another home addition and improvement loan is at D65-D65b and
            marginal notes provide more information on it than can be
            contained in D65a&b, move it to the loan grid at H1-H15, if there
            is an available column there.

            LINES OF CREDIT FOR NON-OWNERS ONLY:

D68c        Edit the type of institution at D68c as per GENERAL INSTRUCTION
            21--"CHECK ALL THAT APPLY".

D68d        Check that the # LINES OF CREDIT (LOC) recorded in the blank at
& D69       D68d is the same number as is entered in the box at D69 on the
            next page.  If it is not, see the Editing Supervisor.

D69         Edit the # LINES OF CREDIT (LOC) entered in the box at D69 to be
            consistent with the number recorded in Columns #1-#3 of the grid
            and D76 as per GENERAL INSTRUCTION 24.

D70-D74     LINES OF CREDIT (LOC) GRID

            1.    Business lines of credit should not be included here.  Edit
                  any that are found out, with a note saying "business debt." 
                  If it is for a "Sole Proprietorship", see the Editing
                  Supervisor as per General Instruction 26.

D70         Precode the purpose of the loan using the LOAN PURPOSE CODE.  

            See the instructions for D53d if the purpose is code "10" (to
            purchase a car).

D74         Edit the type of institution at D74 as per GENERAL INSTRUCTION 21.

D76         If there are more than three LOC, any money currently owed on the
            surplus LOC's will be in D76.  If enough detail is included in
            marginal notes concerning this debt, edit it out of D76 and into
            H1-H15 if there is an empty column.  The purpose of the loan will
            have to be NA'd if it is not given here.
                 SECTION E: OTHER PROPERTIES, LAND CONTRACTS

E2a         Edit the # NOTES/LAND CONTRACTS/MORTGAGES entered in the box at
            E2a to be consistent with the number recorded in Columns #1-#3 of
            the grid and E13-E13b as per GENERAL INSTRUCTION 24.

E3-E13b     NOTES/LAND CONTRACTS/MORTGAGES OWNED

            1.    Check for double-counting of properties between E3-E11
                  (sold) and E16-E34a (currently owned).  If a property is
                  clearly listed in both places, leave it here and edit it out
                  of E16-E34a.  If you suspect double-counting but it's not
                  clear, take it to the Editing Supervisor.

            2.    Edit out all notes, land contracts or mortgages held or
                  owned by any business that the PEU owns or has an interest
                  in.  

E9          If E9 is answered in a fractional # of years, edit it as per
            GENERAL INSTRUCTION 22.

E11a        If E11 is YES:  Check the amount the PEU still owes at E11a and
            the amount it is still owed at E4 or E7.  If the amount at E11a is
            considerably larger than the amount at E4 or E7, and there are
            marginal notes, write them on the Problem Sheet.

E15         Edit the # PROPERTIES entered in the box at E15 to be consistent
            with the number recorded in Columns #1-#3 of the grid and E36-
            E37f, as per GENERAL INSTRUCTION 24.

E15-E37e    THE OTHER PROPERTY OWNED GRID

            1.    Do NOT edit out "any property owned by a business that [PEU]
                  has an interest in" as instructed by the question at E14,
                  unless it is perfectly clear that the property is included
                  or is the same as the business listed in Section M.  If you
                  suspect that it is, but it is not perfectly clear, see the
                  Editing Supervisor.  These will be flagged with a special
                  code (see PROPERTY LINK CODE below).

           2.    Do edit out properties owned by limited partnerships where R
                  is a limited partner if you find them in this section
                  (UNLESS R or the PEU member owning them are GENERAL
                  PARTNERS).  Edit them out of here (E16-E34a) AND edit them
                  into the M20-M21a section on passive businesses.  See the
                  Editing Supervisor for such cases and write them up on the
                  Problem Sheet.

            3.    Burial Plots, if listed here, should be moved to N52a-N52b. 
                  If there is any debt on them, move that to the Section H
                  loan grid.

            4.    Mobile Homes should be included here, unless they are the
                  current residence of the PEU.  (See definition at G8, note
                  3.)

            5.    Be particularly alert in this section for unusual or
                  confusing situations.  Take anything that seems suspicious
                  to the Editing Supervisor.

E16         Precode each property, using the PROPERTY LINK CODE, above the
            PROPERTY # heading for each column.  If you are unsure which code
            to use for a property, see the Editing Supervisor.

E17         1.    If "Limited Partnerships" are noted here, see E15-E37e, item
                  2 above.

            2.    Box 1 "OWNED BY R" is meant to include ownership by R's
                  Spouse, either with R or alone.

E17a-E33    Value and Debt on Property

            1.    If marginal notes indicate that only the PEU's share is
                  recorded in E18-E29, compute and edit E18, E20, E23, E24 and
                  E26 to the totals for the property using the PEU's share at
                  E17a.

            2.    If the PEU owns TIMESHARE property, then leave E18-E29 as
                  only the PEU's share and edit E17 to "OWNED JOINTLY".  If
                  the entire value and debt on TIMESHARE property is given,
                  compute and edit it to the PEU's share only.

            3.    Except for item 2 above, if E17a is NA or DK and it appears
                  that E18, E20, E23 and E24 are only the PEU's share, then NA
                  E18, E20, E23 and E24 and put this on the Problem Sheet.

E18         If "TAX ASSESSED" value is given, edit it out and precode 
            "9 999 996".  Write the tax assessed value with appropriate notes
            on the Problem Sheet.

E25         If E25 is answered in a fractional # of years, edit it as per
            GENERAL INSTRUCTION 22a.

E33         Edit the Type of Institution at E33 as per GENERAL INSTRUCTION 21.

E34a,       Gross Income from Property
E36g,
E37f        1.    If there is any clear indication at E34a, E36b or E37f that
                  the income amount given is "net" (see definition in Quick
                  Reference Guide) instead of "gross", NA the amount and write
                  the details on the Problem Sheet.

            2.    If Income was received from the property other than RENTAL
                  income (such as parking fees, etc.) include them in the
                  total.  Total income from the property is wanted here,
                  despite the wording ("renting out") of the questions at E36f
                  and E37e.

                             PROPERTY LINK CODES

      For every property at E16 (page 31) precode at top of each column:

High             1.    This property associated with Bus #1 at M5a
Priority 
                 2.     "     "          "       "  Bus #2 "   "
         
                 3.     "     "          "       "  Bus #3 "   "
         
                 4.    This property is associated with a business listed at
                       M5a, BUT it is 
            
             MAKE      (a)  a business beyond #3 (at M19a-c) or 
             CARD      (b)  associated with more than one M5a
                            business or
                       (c)  NA which business
                       (d)  business located in R's home
     
       Low        5.   No business or job connection; property not associated
     priority          with a business at M5a-M19c  (i.e., no info present
                       which ties this property to an M5a-M19c business) OR
                       NO businesses listed in M5a-M19c; AND no link to R/S's
                       main job.

                  6.   This property is associated with R's main job (at R3
                       or R14)

                  7.   This property is associated with S/P's main job (at S3
                       or S14)
   
   SEE ED SUP     9.    This property cannot be linked with reasonable
                        certainty

                            SECTION G: VEHICLES

G2          Edit the # LEASED VEHICLES entered in the box at G2 to be
            consistent with the number recorded in Columns #1, #2 and G6a as
            per GENERAL INSTRUCTION 24.

G3-G6a      THE LEASED VEHICLE GRID

            1.    Move any vehicles which are leased by a business but used by
                  the PEU for personal purposes to G24.  These would include
                  those leased by a business that the PEU has an interest in. 
                  If the vehicle is leased by a business but not used by PEU
                  for personal purposes, then edit them out.

            2.    Edit out all leased motorhomes, travel trailers,
                  motorcycles, snowmobiles, all-terrain vehicles as well as
                  tractors and mowers from G3-G5a.

G7a         Edit the # OWNED VEHICLES entered in the box at G7a to be
            consistent with the number recorded in Columns #1-#3 and G23a-
            G23d, as per GENERAL INSTRUCTION 24.

G8-G23d     THE OWNED VEHICLE GRID

            1.    Move any vehicles owned by a business (including any the PEU
                  has an interest in) but used by the PEU for personal
                  purposes to G24.  If there are already vehicles at G24, and
                  you are not sure whether the ones you are moving are already
                  included there, leave them out and record all details on the
                  Problem Sheet.  Those owned by a business but not used for
                  personal purposes should be edited out.

            2.    Edit out any vehicles:

                  a.    not in running order

                  b.    not licensed now nor planned for licensing in 1990

                  c.    not yet purchased, or ordered but not yet received

                  d.    not owned by the PEU.

           3.    Check for double-counting of debt in Section H.  If you find
                 any, edit it out of Section H and leave it here.  If it is a
                 part of a larger debt there, and needs to be split, see the
                 Editing Supervisor.

G8          Type of Vehicle

            1.    Move all motorhomes, travel trailers, motorcycles,
                  snowmobiles, and all-terrain vehicles to G25a-G39d and write
                  the description of the vehicle on a Problem Sheet.

            2.    Edit tractors/mowers out.  If they are for personal use and
                  have debt, move debt to Section H.

            3.    Edit mobile homes to Section D and the mortgage grid if it
                  is the current residence of the PEU or to the Section E
                  Other Property Grid if it is not.

                                  DEFINITION
                  
                  A mobile home is fixed to its lot.  A motorhome  has a 
                  motor and is self-propelled.  A travel trailer, for    
                  purposes of this study, is towed by a car and "parked",
                  when not being towed.  It is not fixed to its lot.  If 
                  it becomes fixed to its lot it should be considered a  
                  mobile home.  Be aware, however, that R's confuse these
                  terms and may not be using our definitions.            
                  

G16         If G16 is answered in a fractional # of years, edit it as per
            GENERAL INSTRUCTION 22.

G22         Edit the type of institution at G22 as per GENERAL INSTRUCTION 21.

G23a-G23d   If there is more information about cars and the debt volunteered
            at G23a-G23d than can be captured in the Q's, write it on the
            Problem Sheet.

G24         Do not include vehicles leased by a business which the PEU uses
            regularly for personal purposes; write these on the Problem Sheet
            if found.

G25a        Edit the # (Other) VEHICLES box at G25a to be consistent with the
            number recorded in Columns #1, #2 and G39a-G39d in the OTHER
            VEHICLE GRID as per GENERAL INSTRUCTION 24.

G26-G39d    THE OTHER VEHICLE GRID

            Edit as per the Car Grid, G8-G23d, items 2a-d & 4 and G8, items 2
            & 3.

G32         If G32 is answered in a fractional # of years, edit it as per
            GENERAL INSTRUCTION 22.

G38         Edit the type of institution at G38 as per GENERAL INSTRUCTION 21.

G39a-G39d   If there is more information on the vehicles in G39a-G39d
            volunteered than can be captured in the Q's, write it on the
            Problem Sheet.

                              SECTION H: LOANS

H1a-d       1.    In general, the number of loans recorded in H1a-d should sum
                  to the number recorded in the box at H3, except when 2 or
                  more smaller loans have been combined into one column to fit
                  into the grid and are counted as only one loan there.  In
                  that case, H1a-d will sum to the actual number of loans and
                  the box at H3 will reflect the number after being combined. 
                  If you edit loans into or out of the grid you must change
                  the numbers recorded in H1a-d, as well as the H3 control
                  box.

            2.    If it should be necessary to distinguish between the
                  categories of a-d, assume a and b have high priority and d
                  has low priority.

H3          Edit the # OF LOANS entered in the box at H3 to be consistent with
            the number recorded in Columns #1-#6 (including LOANS #4-#6 on the
            EXTRA LOAN PAGES), as well as the number of loans from the grid
            that were moved to N53a, as per GENERAL INSTRUCTION 24.  (NOTE:
            Loans #5 and #6 may be misnumbered in the printing of the Iw on
            p.45b.)

H4-H15      THE (OTHER) LOAN GRID

            1.    EXCLUDE:

                  a.    Business or farm debt that the PEU is not personally
                        liable for.  If it is unclear whether the
                        business/farm or the PEU is liable, check M10-M10b. 
                        If it is still unclear, leave it in and write it on
                        the Problem Sheet.

                  b.    Past due bills, UNLESS:

                        1)    a specific repayment arrangement has been made;
                              or

                        2)    the bill is more than 3 months past due; or

                        3)    it amounts to $200 or more.

                  c.    Debts which R clearly has no intention of repaying.

                  d.    Credit card debt (this should be edited to Section B).

                  e.    Intra-PEU debt (i.e., owed by one PEU member to
                        another PEU member).

            2.    INCLUDE:

                  a.    Back taxes.

                  b.    Money borrowed from a pension plan.

                  c.    Medical debt (of $200 or more).

                  d.    Loans for home improvements which R listed here
                        (unless it is double-counted at D55-D65b, then it
                        should be left there only).

                  e.    Education loans, whether currently being paid on or
                        not (if it is owed by a current member of the PEU).

                  f.    Defaulted co-signed notes: loans which a PEU member
                        had co-signed for someone else and for which the PEU
                        member now assumes the obligation.  These must also be
                        written on the Problem Sheet.

                  g.    Intra-HU debt: debt that a PEU member owes to an
                        Independent Adult living in the HU.

                  h.    All other debts or loans owed by a member of the PEU
                        listed by R in this section and not edited out or
                        moved by any of the other instructions here, or found
                        anywhere else in the interview and not excluded by any
                        instructions here.

H4          Code the purpose of the loan at H4 using the LOAN PURPOSE CODE. 
            Code the first two mentions if more than one is given.  Use code
            97 if more than two mentions are given.

H5         1.    For REGULAR INSTALLMENT loans (H7=1), if marginal notes
                  indicate that the date that the loan was taken out is
                  different than when the payments started, edit H5 to the
                  date the payments started.  If it is known that the date is
                  different, but it is not known the date they started, write
                  it on the Problem Sheet.

            2.    If payments haven't started yet, but date is known when they
                  will start, edit H5 to that date.

H7          1.    H7 should be edited to "REGULAR PAYMENTS" in all cases in
                  which current regular monthly payments have been agreed
                  upon, including overdue bills which the PEU has made
                  "arrangements" for.

            2.    H7 should be edited to "OTHER KIND" for:

                  a.    loans not yet due or not yet being paid on (such as
                        Educational Loans on which payments won't start until
                        sometime in the future);

                  b.    past due bills on which no "arrangements" have been
                        made;

                  c.    loans for which the regular payments agreed on are not
                        monthly (i.e., "twice a month," "quarterly").  
                        NOTE:  In these cases, payments, and the frequency of
                        them, should be edited to H10.  You will have to NA
                        H11 & H12 UNLESS R volunteered them.

H8          If H8 is answered in a fractional # of years, edit it as per
            GENERAL INSTRUCTION 22.

H9          For regular installment loans where payments are not currently
            being made, edit H9 to '9995.  No payment being made.'  If they
            are behind or not paying the full payment amount, edit H9 to the
            amount they should pay and put other information on a Problem
            Sheet.

H10         For loans and debts on which payments are not yet being made (such
            as deferred education loans), edit the "typical payment" to $"0"
            PER ___.

H13         If the current interest rate for medical bills owed to doctors,
            dentists and medical facilities is NA or DK, leave it NA/DK.

H14         1.    Edit the type of institution at H14 as per GENERAL
                  INSTRUCTION 21.

            2.    For medical debts owed to doctors, hospitals or dentists,
                  precode "22".

H18         Edit the number of miles written in the blank to check boxes "LESS
            THAN A MILE" or "OVER 50 MILES" whenever appropriate.

                          LOAN PURPOSE MASTER CODE

        Precode purpose of loan at D37, D53d, D70 and H4 using this code.
        Precode up to 2 mentions in each location.

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

            CAR/HOUSEHOLD DURABLE GOODS
            10.  Car
            11.  Refrigerator
            12.  Stove/Range; microwave oven
            13.  Dishwasher
            14.  Freezer
            15.  Air conditioner
            16.  Washing machine (incl. washer/dryer combination)
            17.  Dryer
            18.  Furniture (excluding pianos and organs--see 34); lamps;
                 mattress and spring combinations; rug and/or carpet; other
                 household furnishings
            20.  Vacuum cleaners
            23.  Home computer; calculator; computer terminal
            24.  Truck/jeep/utility vehicle
            25.  Combination of appliances (incl. TV); "appliances"--NA type
            26.  Combination of furniture + appliances 
            29.  Other appliances or durable goods; sewing machine;
                 typewriter

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

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

            SAVINGS AND INVESTMENTS
High        71.  Invest in Bus #1 (from Section M)
Priority    72.     "    " Bus #2   "      "    "
            73.     "    " Bus #3   "      "    "
            74.  Invest in own business, other than 71-73 or NA which or all
            75.  Business investment (own) (exc. 71-74), incl.
                 businesses now defunct
            76.  Other asset investment; bought stocks/bonds; IRA
                 deposit; gold; "investment" -- NFS
            78.  Investment real estate (incl. cemetery plots and additions
                 and repairs to investment property); farmland (exc. 71-74);
                 include businesses of self-employed R's who don't report a
                 business in the M section
            79.  Other investments

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

            MISCELLANEOUS PERSONAL NEEDS
            90.  "Personal loan"--NA what for
            91.  Bill consolidation; "bills"
            92.  Personal items, incl. clothing, jewelry
            93.  Vehicle repair/upkeep (incl. insurance)
            94.  Gifts; goods or gifts of money; "Christmas"
            95.  Living/general expenses
            96.  Loans made to others; "loaned friend/son money for a house"
            -7.  Other (incl. combinations)

                            SECTION M:  BUSINESSES

M1, M2      Check D1; if "R LIVES ON A RANCH AND FARM" is checked AND D3 is
            checked "YES", then box "R OR R"S FAMILY OPERATE FARM/RANCH
            BUSINESS ON THEIR PROPERTY" should be checked at M1 and there
            should be at least one business at M2 connected to the farm or
            ranch.  If not, bring the Interview to the Editing Supervisor.

M2, M4a,    Edit the number entered in "# BUSINESSES" at M4a to be
M5          consistent with the number entered in the control box at M5.

M5          Edit the # OF BUSINESSES entered in the box at M5 to be consistent
            with the number recorded in Columns #1-#3 and M19a-c of the grid.

M6          If more than one box is checked or marginal notes are inconsistent
            with the box checked at M6, edit the boxes to one choice to
            indicate how the PEU originally acquired the business.  

            If necessary, edit the date at M8 to agree with the editing of M6.

M9d         If R reports that a business is a "limited partnership" at M9d, it
            should be moved to M20-M20e (PASSIVE BUSINESSES), but only if it
            is clearly stated that they (the PEU) are "limited partners" and
            not general partners.

            If the limited partnership is moved to M20-M20e, all the details
            of the business should be written on the Problem Sheet and, if it
            is the only business, M4 should be edited to "NO".

M10, M10a   CHECK FOR CURRENT COLLATERALIZED LOAN

            1.    If M10 has been marked YES, but the answer to M10a indicates
                  that R does not currently have a personal loan (i.e., M10a
                  is "nothing"), edit M10 to NO.

M14, M15          Edit to include only PEU's share.

M16, M17          If the net income reported in M17 exceeds the gross receipts
                  reported in M16, leave the inconsistency unless there are
                  explanatory notes which support reversing the figures at M16
                  & M17.  If any explanatory information is available, write
                  it on the Problem Sheet.

M20a,       Check the number of other (non-actively managed) businesses
M21a-f      reported at M20a.  It should be equal to or greater than the
            number of types of businesses ("YES" boxes) checked for M21a-f. 
            See the Editing Supervisor if it is not.

                         SECTION N: FINANCIAL ASSETS

N1-N43a     GENERAL SECTION N INSTRUCTIONS

            1.    Watch for accounts and assets that belong wholly or partly
                  to a business or to persons not in the PEU.

                  a.    If they belong wholly to the business or person
                        outside the HU, edit them out unless the business is a
                        "sole proprietorship", in which case see the Editing
                        Supervisor.  

                  b.    If they belong to an INDEPENDENT ADULT, check to make
                        sure they are included at Y37-Y38c.

                  c.    If they are owned jointly with the PEU, and it is not
                        clear how to split them, leave them in, but NA the
                        amount.  Write these on the Problem Sheet.

            2.    Watch for margin notes or specific $ amounts reoccurring in
                  different places which would indicate the double-counting of
                  assets within Section N.

                  Amounts double-counted in two different places in Section N
                  should be left in the most specific type of account, unless
                  otherwise instructed (e.g., if listed in a savings account
                  and as an IRA--edit it out of the savings account and leave
                  it in the IRA).  

            3.    Assets from pension and profit sharing plans may be held in
                  a variety of ways and could be double counted in both
                  Section N and Sections R/S.  Check assets and accounts in
                  this section against pension accounts for current jobs at
                  R21, R32, S21 and S32 and against pension accounts from past
                  jobs at R53c-d and S53c-d.  If double counting is found,
                  edit it out of Section N and leave it in Sections R/S,
                  except for IRA's which may be left in the R53b-g future
                  pension grid and the N11-N14 IRA grid if R53d is marked
                  "YES, IRA/KEOGH".

                  If assets are found in this section (N) which are clearly
                  labelled as being part of R's or S's current or future
                  pension or profit-sharing plans and which are not double-
                  counted in Sections R or S, see the Editing Supervisor.  For
                  SEP-IRAs, see Note 2 at N12.

           4.     Check for instances where a R has not known total figures
                  because they did not know a component -- possibly because an
                  account belongs to another FU member (for example, R may not
                  know the amount of a daughter's U.S. Government bonds, but
                  does know the amount of his/her own bonds).  In these cases,
                  NA the amount and write the known, given amount on the
                  Problem Sheet, as well as noting there that there is also an
                  unknown amount.

            5.    Edit out any accounts that were not set-up at the time of
                  the first contact for the Interview. 

            6.    Be sure that accounts which are jointly held by two people
                  in the PEU are only counted once.

            7.    If margin notes anywhere in Section N, except at N41-N46,
                  indicate that the assets listed are part of a CMA or FMA,
                  take it to the Editing Supervisor.

N3          Edit the # of Checking ACCOUNTS entered in the box at N3 to be
            consistent with the number recorded in Columns #1-#6 of the
            Checking Account Grid and N8 as per GENERAL INSTRUCTION 24.

            THE CHECKING ACCOUNT GRID

N4          Edit the type of institution at N4 as per GENERAL INSTRUCTION 21.

N6          Check all accounts checked "YES" at N6 against the money market
            grid at N17-N20 for double-counting.  If any of them are clearly
            double-counted, edit them out of the checking account grid and
            leave them in the money market grid.  NOTE:  If that would edit
            all of the PEU checking accounts out, leave the first one listed
            in, and edit its counterpart out of the money market grid.  
            NEVER edit the main checking account (account #1) out of the
            checking account grid.  See the Editing Supervisor in such cases.

N8          If more detail is given concerning the remaining checking accounts
            than is asked for at N8, enter it on the Problem Sheet.

N10-N14    THE IRA, KEOGH ACCOUNT GRID

            1.    Watch particularly for double-counting here with pension
                  plans as per instruction 3 at the beginning of this section.

            2.    However, if a SEP-IRA (Simplified Employee Pension) is
                  listed here and is not double-counted in Sections R or S,
                  leave it in this grid and precode a "2" under the "IRA" box
                  at N12.

N11, N13          Edit the type of institution at N13 as per GENERAL
                  INSTRUCTION 21 -- "CHECK ALL THAT APPLY".

N14a        Be sure the correct skips are marked at the bottom of each column. 
            (This grid is not filled in sequentially, but in order of who has
            an IRA/KEOGH account.)

            THE MONEY MARKET GRID

N16a        Edit the # OF MONEY MARKET ACCOUNTS entered in the box at N16a to
            agree with the number recorded in Columns #1-#3 and N21a as per
            GENERAL INSTRUCTION 24.

N19         Edit the type of institution at N19 as per GENERAL INSTRUCTION 21.

N21a        If more detail is given concerning the remaining money market
            accounts than is asked for at N21a, enter it on the Problem Sheet.

N22-N22c          CERTIFICATES OF DEPOSIT

            1.    Be particularly alert to double-counting with IRA's at N11-
                  N14; edit them out of here if such double-counting is found.

            2.    Watch for double-counting also with Sections R/S.  See
                  GENERAL SECTION N INSTRUCTIONS item 3 if you find any.

N22a,       Edit the type of institution at N22c as per GENERAL INSTRUCTION
N22c        21--"CHECK ALL THAT APPLY".

N23a        Edit the # of Savings ACCOUNTS entered in the box at N23a to agree
            with the number of savings accounts recorded in Columns #1-#5 and
            N26a as per GENERAL INSTRUCTIONS 24.

N24-N25     THE SAVINGS ACCOUNT GRID

            1.    This grid is intended to pick up any other savings-type
                  accounts that have not been included in earlier grids.  

                  Watch for double-counting with checking account, IRA, CD and
                  Money Market grids; edit them out of here if found.  Move
                  any such assets to their proper grids if they are found
                  clearly marked here and not there.

            2.    Include here passbook, statement savings and credit union
                  share accounts, Christmas Clubs and all other savings
                  accounts, as well as accounts at foreign banks, unions, AARP
                  or other organizations, building and loan associations, and
                  colleges.  

N24         Edit the type of institution at N24 as per GENERAL INSTRUCTION 21.

N26a        If more detail is given concerning the remaining savings accounts
            than is asked for at N26a, enter it on the Problem Sheet.

N28a-e      MUTUAL FUND GRID

            1.    Watch for double-counting of mutual funds with pension funds
                  in Sections R & S as per instruction 3 for this section.

            2.    Check for double-counting of:

                  a.    STOCK FUNDS at N28a and stock at N37 & N39, and

                  b.    BOND FUNDS at N28b-d and bonds at N31a, N32a or 
                        N33a-d.

                  If any are found, leave them here at N28a-d and edit them
                  out of the later section(s).

           BONDS AND BILLS

N32         Check that the number entered in the # BONDS OR BILLS blank is not
            less than the number of boxes checked "YES" at N33a-N33d.

N33a-d      Watch for double-counting of bonds with pension funds in Sections
            R & S as per instruction 3 for this section.

            PUBLICLY TRADED STOCK

N37, N39    1.    Watch for double-counting with pension or profit
                  sharing funds in Sections R & S as per instruction 3
                  for this section.

            2.    Check for consistency between N37 & N39a if N39 is "YES".

                  a.    N39a must be equal to or less than N37.

                  b.    If N36 is "1", then N37 and N39a must be the same.

                  If either of the above is not true, see the Editing
                  Supervisor.

            3.    If there is any indication that the amount of N39a includes
                  stock in a business in Section M, see the Editing
                  Supervisor.

            4.    Stock which is clearly not publicly traded and can be
                  separated from publicly traded stock should be moved to 
                  N52--"other assets."  You should check Section M for double-
                  counting.

            5.    IF R DOES NOT GIVE A VALUE ON STOCKS, but names the stock
                  and the number of shares or the dividends paid, record it on
                  the STOCK HELD sheet at the front of the Problem Sheet book.

            BROKERAGE ACCOUNTS

N40a-N40f   If any significant extra detail (not codeable in N40a-f) regarding
            a brokerage account (such as the amount due on a margin account)
            is volunteered by R, add it to the Problem Sheet.

N41-N46    TRUSTS, ANNUITIES, AND MANAGED INVESTMENT ACCOUNTS

            1.    Check the margin notes in this sequence for any indication
                  that the assets recorded are double-counted in any of the
                  accounts reported earlier in this section.  If you find any,
                  see the Editing Supervisor.

            2.    If R mentions a "limited time annuity" and any details are
                  given in margin notes, add them to the Problem Sheet.

            LIFE INSURANCE

N47-N50     Exclude life insurance policies whose beneficiary is a business in
            Section M.

N48, N48a   If "burial insurance" is mentioned at N48-N48a, leave it.

N51, N51a   MONEY OWED TO THE PEU

            1.    Exclude:

                  a.    money owed to a PEU business;

                  b.    money owed to one PEU member by another PEU member

                  c.    money that R doesn't expect to be repaid, including
                        "probably won't."

            2.    If at N51 a note says the PEU is owed money by a business in
                  Section M, check M11-M11a to determine if it is included
                  there:

                  a.    if it is, edit it out of here (N51-N51a).

                  b.    if it is not, move it to M11-M11a.

                  c.    if you are unsure about the double-counting, take it
                        to the Editing Supervisor.

            3.    Money owed to the PEU by a business that has been sold
                  should be left here.

N52-N52c          OTHER ASSETS

            1.    Move items that should be included in other sections to
                  their appropriate place.  If you have doubts concerning
                  whether or not to move something, see the Editing
                  Supervisor.

                  a.    Move any vehicles found here (including antique and
                        valuable vehicles) to Section G.  Assume that there is
                        no debt on them unless there is contrary evidence. 
                        Code [such] vehicles moved to the G8-G22 grid '6' at
                        G8.

            2.    Some items which should be included here:

                  a.    antique and valuable items and collections

                  b.    silver, gold, jewelry

                  c.    cash

            3.    Do not edit items out just because the value seems small.

            4.    Move any future inheritances or estates mentioned here to X9
                  and delete them from here.

N53-N53a          OTHER DEBTS

            1.    Edit out any debts which have been listed in other sections.

            2.    Move all bills of $200 or more whose purpose is clear to the
                  Section H loan grid if they meet the qualifications there.

            3.    Debts for business purposes should be moved to the Section H
                  loan grid if is clear that the PEU is personally liable.  (A
                  bankruptcy debt for an unincorporated business or debt on a
                  business no longer in operation would be examples.)
                  BUSINESS OR PROPERTY LINK CODE FOR JOBS

        Precode at R2 (R2='SOMEONE ELSE') or R14 (self-employed) and/or R40b
        (second job, if 'BUSINESS' is checked).  Precode also S2, S14, and
        S40b for Spouse/Partner.
             
               1.    This job associated with Bus #1 at M5a
    High        
               2.     "    "       "       "  Bus #2 "   "
  Priority      
               3.     "    "       "       "  Bus #3 "   "
                  
               4.    This job is associated with business listed at M5a,
                     BUT it is:
     
     MAKE            a) a business beyond #3 (at M19a-c) or 
     CARD            b) associated with more than one M5a business or
                     c) NA which business

               5.    No Business or Property link; this job not associated
                     with a business at M5a-M19c (i.e., no info present
                     which ties this job to businesses) OR NO businesses
                     listed in M5a-M19c, and not associated with Properties
                     at Section E or no properties listed.
            
               6.    Code at R40b or S40b only.  This job (not codable 1-4
                     above) is associated with properties listed in Section
                     E.  Note: This information only available if
                     volunteered by R.
   
  SEE ED SUP   9.    It is unclear whether or not a link exists with a
                     business or property.

               Where to Precode:

                     At R2:   in left margin above the OCC precode
                     At R14:  to right of box
                     At R40b: to right of little box in larger box

                      SECTION R: EMPLOYMENT OF RESPONDENT

R1          1.    Check that a two-digit occupation status code has been
                  precoded in green next to the status boxes.  If not, see an
                  occupation coder or the Editing Supervisor.

            2.    If R mentions here that his/her work is 'volunteer' work,
                  see the Editing Supervisor.

R1d         RETIREMENT DATE

            1.    If both "RETIRED" and "DISABLED" are checked at R1 AND two
                  dates are given at R1d, edit R1d to the date which is
                  consistent with the green two-digit occupation status code. 
                  "50" is "RETIRED"; "52" is "DISABLED."

            2.    If R has retired twice (2 dates are given), keep only the
                  most recent date.  Put the other date on a Problem Sheet. 
                  This will occur often with career military persons who go on
                  to second careers.

R2          CHECK SELF-EMPLOYMENT

            1.    If the "RUN MY OWN BUSINESS" box at R2 is checked, edit R2
                  to "SELF-EMPLOYED."  

            2.    Make sure no self-employed persons followed the "SOMEONE
                  ELSE" sequence.  If they did, move the information in R3-R12
                  to the appropriate matching questions at R14-R14k.  R8
                  should be moved to R14g and R15 to R14k.  

            3.    If you are unsure whether you should consider someone "SELF-
                  EMPLOYED," see the Editing Supervisor.

            NOTE:  A person does not need to have a business listed in Section
            M to be self-employed.  Not all self-employed people own
            businesses.

R3, R4      MAIN OCCUPATION:  R WORKS FOR SOMEONE ELSE

            1.    Check that there is a three-digit green precode to the left
                  of R3 and R5.  If either is missing, see an occupation coder
                  or the Editing Supervisor.
            2.    If R's response to R3 and R4 seems to include two different
                  jobs, one of them should have been moved to R's second job
                  at R40-R44.  Check in these cases to see that a second job
                  is at R40-R44; if it is not, see an occupation coder or the
                  Editing Supervisor.

            3.    Precode the JOB/BUSINESS LINK CODE, for the job coded at R3,
                  to the right of the "I RUN MY OWN BUSINESS' box at R2.

R7          EDIT WEEKS WORKED

            1.    Edit any non-week response to # of WEEKS normally worked,
                  assuming 4.3 weeks to a month.

            2.    For teachers and other school personnel:

                  a.    Do not edit teachers or "school personnel" to 52 weeks
                        worked, if the answer is less.

                  b.    Check that the salary reported at R8 is consistent
                        with the # WEEKS R reported at R7.  If not, edit the
                        salary to an annual basis.

            3.    Note that Q reads "...in a normal year."  If R answers that
                  he/she hasn't worked for a full year yet and it is
                  reasonably clear that the job is not seasonal, edit R7 to 52
                  weeks.

R8          EDIT HOURLY JOB EARNINGS TO A WEEKLY WAGE

            1.    Edit dollars per hour at R8 to dollars per week by
                  multiplying the dollars per hour times the number of hours
                  per weeks worked given at R6 and then precode an "8" in the
                  PER blank, to indicate that this conversion was performed.

                  NOTE: If R6 is NA or DK, check R44 and assume the following:
                        
                        For females:  full-time = 35 hrs/wk, 5 days;
                                      part-time = 15 hrs/wk, 3 days.
                                                                    
                        For males:    full-time = 40 hrs/wk; 5 days;
                                      part-time = 20 hrs/wk, 4 days.
                        

            2.    Tips, bonuses, overtime, commissions and piecework should be
                  included in calculating the wage rate.

                  a.    If tips are mentioned, but the amount is NA, multiply
                        the wage rate by 1.5 and put the information on a
                        Problem Sheet.

                  b.    If overtime is mentioned, but the amount is NA, assume
                        time-and-a-half for any hours per week over 40 and put
                        the information on a Problem Sheet.

                  c.    If salary/wages are given for one time period and
                        commissions, bonuses, tips or other payments are given
                        for a different time period, see the Editing
                        Supervisor.
                  
                  d.    If R is paid by commission and the amount is not
                        known, edit R8 to the known amount and put all details
                        on the Problem Sheet.

                  e.    If the base wage rate is given or can be calculated,
                        do not NA it because of unknown or uncalculable tips,
                        bonuses, overtime, commissions or incentivesm etc.;
                        edit R8 to the known base wage rate and write the
                        uncoded details on the Problem Sheet.

            3.    If the salary/wages are given "after taxes", NA R8 and
                  record the details on the Problem Sheet.

            4.    If R says he/she isn't paid:

                  a.    If R does volunteer work (such as with United Way,
                        church work, etc.), take it to the Editing Supervisor
                        and put it on a Problem Sheet if R works more than 35
                        hrs/week.

                  b.    For those whose income is "paid in kind", include the
                        value of the "in kind payment" in or as their wage
                        (e.g., someone who manages an apartment building and
                        receives their own rent free as their wage earns the
                        value of their rent).

                  c.    Whenever the marginal notes or amounts for the above
                        are unclear, write the information on the Problem
                        Sheet.

R10        EDIT "SINCE" TO "# YEARS"

            1.    If R reports R10 as being "SINCE" a specific year, edit it
                  to the number of years since that specific year by
                  subtracting it from the date of the Interview ('89 or '90--
                  see facesheet).  Enter that calculation into the # YEARS
                  blank (i.e., if "SINCE 1960" and the Interview date is 1989,
                  edit out "1960" and edit "29" into # OF YEARS).

            2.    If R gives dates and there was a break in service, edit the
                  total number of years, not including the break, into the #
                  YEARS blank.

R11         EDIT "UNTIL AGE" TO "# YEARS"

            1.    If R answers R11 as being "UNTIL AGE ___", edit to "___ #
                  YEARS" by subtracting R's inputed age (from the IMPUT AGE
                  for R on the facesheet) from the AGE given here.  Enter this
                  calculation into the "# YEARS" blank and edit the response
                  in the "UNTIL AGE" blank out.

            2.    For reasponses like "until I can't work any longer", "as
                  long as I can", "indefinitely", mark the "NEVER STOP" box.

R14, R14a   MAIN OCCUPATION:  SELF-EMPLOYED

            1.    Check that the three digit occupation and industry codes are
                  precoded to the left of R14 and R14a.  See an occupation
                  coder or the Editing Supervisor if they are missing.

            2.    If R's response to R14 and R14a seems to be two different
                  jobs, edit as per instruction 2 for R3, R4.

            3.    Precode the JOB/BUSINESS LINK CODE to the right of the small
                  box to the right of R14.  Make sure the box is checked if
                  the job is linked to a business in Section M.

R14b        Edit "SINCE" to "# YEARS" as per R10.

R14c        Edit "UNTIL AGE" to "# YEARS" as per R11.

R14e        Edit R14e as per instructions for R7.

R14f        Edit R14f using all information available.  If it is not clear
            which box should be checked, see the Editing Supervisor.

R14g or h   1.    Edit hourly wages given at R14g or h to a dollar per week
                  amount as per instructions at R8.

            2.    For those who work in a family business or farm without
                  wages, edit R14h to '0' per 'WK'.

R17a        IF RECEIVING BENEFITS

            1.    If R17a is "YES", check R51c (pp. 98-99) to verify that
                  "CURR JOB PENS" is checked, for at least one column, for
                  this R.  (NOTE: RECIPIENT is found checked at the top of the
                  column).

            2.    If R17a is "NO", check that the # PLANS entered in R17
                  agrees exactly with the # OF PLANS entered in the box at
                  R18.  If they do not, see the Editing Supervisor.

R17b        If R17b is "YES", check that the # PLANS--NOT YET RECEIVING
            BENEFITS at R17c agrees exactly with the # OF PLANS entered in the
            box at R18.  If they do not, see the Editing Supervisor.

R18         Edit the # OF Pension or Retirement PLANS entered in the box at
            R18 to be consistent with the number of plans recorded in Columns
            #1-#3 and R39-R39a as per GENERAL INSTRUCTION 24.

R21         Double-check that amounts at R21 are not double-counted in Section
            N.  If they are, edit them out of Section N.

R23         If "Employer Contributions" are mentioned, write this on the
            Problem Sheet.

R24         1.    If R answers R24 as "IN ___ YEARS", edit it to "AT AGE ___"
                  by adding the number of YEARS given to R's imputed age (from
                  the IMPUT AGE box, for R, on the facesheet).  Enter that
                  calculation into the "AT AGE" blank and edit the response
                  out of the "IN ___ YEARS" blank.

            2.    If R answers with a range, edit it to the midpoint and
                  record the range on a Problem Sheet.

R26         If more than one box is checked, priority code the lowest number
            and the benefit amount at R26a, consistently if possible.

R26a        Convert any annual payments to monthly payments.

R30a, R31a  Check these questions for complex responses (e.g., "match 2% and
            then 1/2 of next 4%).  If you find one, take it to the Editing
            Supervisor and put it on the Problem Sheet.

R32         Double-check N14 (p.63), N20 (p.64), N25 (p.66) and N28a-e (p.68)
            to make sure the amounts mentioned here at R32 are not double-
            counted there.  If they are, edit them out of the location in
            Section N and leave them here in Section R.

R36         Check for write-in responses at R36.

            1.    If "I wouldn't get anything until I retire," check the
                  "OTHER" box and NA the "PERCENT" at R36a.

            2.    If "It would roll over into another account," check the
                  "NONE" box, unless marginal notes indicate this is not true.

 
R39a        If anything is entered in R39a, enter it on the Problem Sheet.

R40-R43     SECOND (OTHER) JOB

            1.    If R works for a business reported in Section M (see M9a &
                  b) in addition to his main job and R does not report a
                  second job here, you should edit it in.  Do not edit in a
                  second job only on the basis of the "R/S" box being checked
                  at M9b.  (If this has been done by an OCC coder, see Editing
                  Supervisor.)

R40b        Precode the JOB/BUSINESS LINK CODE to the right of the smaller box
            within the larger box around R40b.

R41-R43     If it is necessary to edit in R's second job at R40-R40b and it is
            clear that R has already included all of his HOURS, WEEKS and
            INCOME for this job in R6-R8 with his main job and it is unclear
            how to separate them you should leave them in R6-R8 and code R41-
            R43 "0", unless the job being edited in is Military Reserve or
            National Guard.  In that case, see R41, R42 below.

R41,R42     If R's second job is the Military Reserve or the National Guard
            and R41 (# HOURS) and R42 (# WEEKS) are NA or DK, assume 20 hours
            per week for 13 weeks.

R43         EDIT SECOND JOB EARNINGS

            1.    Edit any dollars per hour responses at R43 to dollars per
                  week using the hours given at R41.

            2.    Edit other responses to R43 as per R8.

            3.    In addition, edit the following cases to $"0" per week if
                  their earnings are NA:

                  a.    Wives who work on the family farm or in the family
                        business but who haven't reported it as their main job
                        and report no second job.  (For wives who do report it
                        as a job, but without pay--see note 4b at R8.)

                  b.    Those cases specified for R41-R43 above.

            WORK HISTORY--FULL TIME NOW

R45d & e    Check that three-digit OCC and IND codes have been precoded
            to the left of R45d & e.

R45f & g    1.    Edit "YEARS AGO" to "19___" by subtracting the number
                  of "years ago" given from the year of the Interview
                  ('89 or '90, from item 3 on facesheet).  Edit the
                  calculation into the "YEARS AGO" blank and edit the
                  year out of the "19___" blank.

            2.    If there was a break in service between the 'START' date at
                  R45f and the 'STOP' date at R45g, write the break details on
                  the Problem Sheet.

            
R45h        Convert $ per hour to $ per week and edit other problems of job
            earnings as per instructions for R8.

R45m,       1.    Edit "AT AGE ___" to "IN ___ YEARS" by subtracting R's
R45p              imputed age (from the facesheet) from the age entered in "AT
                  AGE" and editing the result into the "IN ___ YEARS" blank. 
                  Edit out the response left in the "AT AGE" blank.

            2.    If R answers with a range, edit it to the midpoint and
                  record the range on a Problem Sheet.

            3.    The intention of the question is to find when R plans to
                  stop working full-time for good.  If R answers that he/she
                  plans to stop, but then start again at a later date, NA the
                  response or edit it to the data consistent with the intent
                  of the question, if that is known.

            WORK HISTORY--PART TIME NOW

R46d        Edit "# YEARS AGO" to "19___" as per instructions for R45f & g.

R46e        Convert $ per hour to $ per week and edit other problems of job
            earnings as per instructions for R8.

R46h & i    Check that three-digit OCC and IND codes have been precoded
            to the left of R46h & i.

R46j & k    Edit "# YEARS AGO" to "19___" as per instructions for R45f & g.

R46m        Convert $ per hour to $ per week and edit other problems of job
            earnings as per instructions for R8.

R46q        Edit "AT AGE" to "IN ___ YEARS" as per instructions for R45m & p.
R46r
R46s

R46r & s    If R answers with a range, edit it to the midpoint and
            record the range on the Problem Sheet.

            WORK HISTORY--NOT WORKING NOW

R47c        Edit "# YEARS AGO" to "19___" as per instructions for R45f & g.

R47d        Convert $ per hour to $ per week (for a FULL-TIME job) and edit
            other problems of job earnings as per instructions for R8.

R47g & h    Check that three-digit OCC and IND codes have been precoded
            to the left of R47g & h.

R47i & j    Edit "# YEARS AGO" to "19___" as per instructions for R45f & g.

R47k        Convert $ per hour to $ per week (for a FULL-TIME job) and edit
            other problems of job earnings as per instructions for R8.

R47q        1.    Edit "AT AGE" to "IN ___ YEARS" as per instructions for R45m
R47s              & p.
R47t
R47u        2.    If R answers with a range, edit it to the midpoint and
                  record the range on a Problem Sheet.

R49         CHECK FOR CONSISTENCY BETWEEN R49, HHL BOX, AND SPOUSE BOOKLET

            1.    If R49 is checked "R. IS MARRIED/LIVING WITH PARTNER" then:

                  a.    R should have "M" or "P" circled in column D of the
                        HHL or a "7" or "8" should be precoded there AND

                  b.    there should be a SPOUSE BOOKLET included in the
                        Interview.  (If COL D of the HHL box is precoded "7"
                        or "8" and the SPOUSE BOOKLET is missing--see the
                        instruction for COL D in the HHL box section.

                  c.    If the S booklet is missing, see the Editing
                        Supervisor.

            2.    If R49 is checked "ALL OTHERS" then R will not have "M" or
                  "P" circled nor have "7" or "8" precoded in COL D of the HHL
                  box nor should a SPOUSE BOOKLET be included with the
                  Interview.

                  a.    If a SPOUSE BOOKLET is included in this case, see the
                        Editing Supervisor and then print "DO NOT CODE" in
                        large letters across the cover of the booklet.

S1-S49      Edit the SPOUSE BOOKLET as per R1-R47u above.  All Q #s in the
            SPOUSE BOOKLET correspond to the Qs in the R Section except that
            they are prefixed with an "S" rather than an "R". 

R50d-R50f   SOCIAL SECURITY PAYMENTS

            1.    Edit out all non-Social Security payments; if in doubt, see
                  the Editing Supervisor.

            2.    Edit out SSI payments (Supplemental Security Income) and if
                  it was received in 1988, check T1k & T2k to make sure it is
                  included there.

            3.    Edit out all Social Security benefits for anyone except the
                  Respondent and the Spouse/Partner (however, make sure they
                  are included at T2m before you do).

            4.    "SURVIVORS BENEFITS":

                  a.    if they are for a widowed person 62 or over, leave
                        them here and edit R50d "RETIRE";

                  b.    Otherwise, leave as it is.

            5.    If Social Security benefits for minor HH children are being
                  received (e.g., disability), include the amount with the
                  payment of the adult who is receiving them.

R50d        If both "RETIRE" and "DISAB" are checked, and there are no notes
            to explain why:

            1.    If the person is 62 years old or older, edit to "RETIRE".

            2.    If under 62, edit to "DISAB".

R50e        Edit "SINCE" to "# YEARS" for both columns as per instructions at
            R10.

R50f        1.    Check that R50f (S.S. benefits being received) is not
                  double-counted at R51e (other benefits being received) or at
                  R53g (benefits expected to be received in the future).  If
                  any are, edit them out of the Inap.propriate place.  

                  NOTE:  Benefits for which no payment has yet been received
                  are expected benefits.

            2.    If a single amount is given for both R & S, and is based all
                  or mostly on the earnings of one individual, split the
                  amount and allocate 2/3 to the primary wage earner and 1/3
                  to the other person.

R51a        1.    Edit the # PENSIONS/DISABILITY PAYMENTS entered in the box
                  at R51a to agree with the number recorded in columns 1-6
                  (FIRST BENEFIT-SIXTH BENEFIT) as per GENERAL INSTRUCTION 24.

R51c        If "CURR JOB PENS" is checked in any column, after ascertaining
            the RECIPIENT from the top of the column:

            1.    Check the Recipient's job status at R1-R6 or S1-S6 to verify
                  they have a current job.

            2.    Check R17a or S17a to verify that they reported that they
                  are receiving benefits from it.

            3.    If information is inconsistent, see the Editing Supervisor.

            4.    Delete SSI if reported here.  If it was received in 1988,
                  check T1k and T2k to make sure it is included there.

R51d        Edit "SINCE" to "# YEARS" for each column as per R10.

R52a        Edit the # CASH SETTLEMENTS entered in the box at R52a to be
            consistent with the number recorded in Rows #1-#5.

R52b-R52d   CASH SETTLEMENT GRID

            Cash settlements may match assets reported elsewhere, especially
            in Section N.  Leave any double reporting, since the question is
            concerned only with the source of the asset.

R53f        Edit "IN ___ YRS" to "AT AGE" for all columns as per R24.

                              SECTION T:  INCOME

T1-T7d      GENERAL SECTION INSTRUCTIONS

            1.    Section T should contain the 1988 income of all of the
                  current PEU, i.e., the PEU members who are included in the
                  HHL box.  This may be a problem for recently married,
                  divorced, or separated Rs.  Edit out any income clearly not
                  belonging to the current PEU and bring to the Editing
                  Supervisor any unclear cases or cases where 1988 income of a
                  current PEU member has been left out.

                  NOTE:  If a deceased spouse was in the Household during
                  1988, include his/her income.

            2.    If income of a financially independent household member is
                  reported in Section T, it should be moved to Section Y, if
                  it is not already included there.

            3.    Do not force consistency between this section (T) and any of
                  the other sections of the Interview unless specifically
                  directed to by these instructions or unless important 1988
                  income information will not be reported anywhere else in the
                  Interview.  Thus, for example, if R reports an income amount
                  at E34a (where income from property is asked for), but does
                  not report any income at T1g, you should not change T1g. 
                  However, if R mentions an income component in a margin note
                  somewhere in the Interview which will not be coded anywhere
                  else, edit it in to T2a-n if it is not there.  In all cases,
                  check with the Editing Supervisor before editing any income
                  into the T section.

T1a-T1n     Check consistency between T1 and T2 for income components a-n.
T2a-T2n
            1.    If T1 is checked "NO" or left blank and an amount is entered
                  in T2, edit T1 to "YES", unless it is clear that the
                  Interviewer checked the wrong box or entered the amount in
                  the wrong place.

            2.    If T1 is checked "YES" but T2 is left blank, NA T2, unless
                  there is some indication what the amount should be (e.g., "I
                  already told you that").

           3.    Otherwise, the boxes at T1 should not be changed, unless
                  specifically directed to by these instructions or the
                  Editing Supervisor, even if T1 is checked "NO" but you know
                  from evidence in other sections of the Interview that the
                  PEU had income from this source (e.g., an amount is reported
                  at E34a but T1g is checked "NO").

            4.    Losses are only expected to appear at T2b, T2f, T2g, and
                  T2n.  Mark all losses clearly with parentheses.  If losses
                  are reported at any other location, see the Editing
                  Supervisor.

T2a-T2n     1988 INCOME COMPONENTS

            1.    Edit all non-yearly amounts in T2a-T2n to annual amounts for
                  1988.  Use all information given in margin notes and, in the
                  absence of other evidence, assume 12 months, 52 weeks and 26
                  bi-weekly periods in a year and 4.3 weeks in a month.

            2.    Pre-code the # of refusals, at the bottom of p.102, prefixed
                  by "REF", which is a count of the number of items (00-13) at
                  T2a-T2n for which T1 is checked "YES" but which R has
                  refused to give an amount. 

T2c         This should include income from tax-free bonds/mutual funds/money
            market funds.  If these are reported elsewhere in T2a-T2n, move
            them here to T2c, but only if clearly specified as 'tax-free'.

T2k         If R's housing is partially or fully subsidized by a governmental
            unit (learned from the TN or marginal notes), check T1n "YES" and
            write in 'SUBSIDIZED RENT'.  Enter the amount at T2n if it is
            known, NA if it is not.  If the rent subsidy is included in the
            amount given at T2k, move it to T1n if the amount is known.  If it
            can't be separated, code T2k as given and record on the Problem
            Sheet that Subsidized Rent is included.

T2n         1.    Move items listed at T2n that belong in T2a-T2m to their
                  proper location.  Move the types below to the locations
                  noted:

                  TYPE OF INCOME                   MOVE TO:

                  Net gain from sale of business. . . . . . T2f
                  Child care income . . . . . . . . . . . . T2a
                  U.S. Army VAQ (HOUSING ALLOWANCE) pay . . T2a
                  Jury duty pay . . . . . . . . . . . . . . T2a
                  Corporate Board of Directors fees . . . . T2a
                  Deferred compensation (from a job). . . . T2a

            2.    Edit out:   Tax refunds
                              Student Loans
                              Employer contributions to Pension Plans

            3.    Leave in T1n:  money from relatives
                                 IRA withdrawals

T3          Do not edit T3 for consistency with its components.  In general,
            T3 should not be edited at all (i.e., it should be kept as
            independent as possible from T2a-T2n) EXCEPT:

            1.    If T3 is missing (i.e., left blank), edit NA into the blank.

            2.    If R volunteers information in marginal notes at T3 which is
                  a codeable response or which must be added or subtracted
                  from the response given, you should edit it in.  E.g.,
                  "$25,000" (at T3) "and the commission I mentioned before"
                  (volunteered).  Otherwise, you should leave any codeable
                  response at T3 unedited.

                  a.    If R volunteers "just add it up", then just add it up
                        (i.e., sum T2a-T2n).

            3.    As indicated at T4-T4f below.

T4-T4f      If, in the process of responding to T4-T4f, R volunteers a
            codeable response for T3 (e.g., at T4b R states "more like
            $150,000" or T4f R volunteers "$24,000"), you should move the
            response to T3 and edit out the DK/REF box checked there.  

T6          1.    DO NOT edit out gifts or presents to others (including to
                  relatives and friends).  Thus, you would not edit out
                  "Christmas present to mother" and "We gave brother $2000 for
                  his birthday".

            2.    Edit charitable contributions to other than relatives and
                  friends to X10a.  Thus, "sent $40 per month to an orphan
                  child in Mexico" should be moved to X10a.

            3.    Also, edit out loans which it is clear are expected to be
                  repaid.  

T7          For R's recently divorced or separated, and not living with their
            spouse, check T7a-d to make sure they are edited as follows:

            1.    T7a must be checked "ALL OTHERS".

            2.    T7d should be only the AGI of the current PEU.  If it
                  includes the income of the separated/divorced spouse, or may
                  include it, leave T7d as is but write it on the Problem
                  Sheet.

            3.    If there is any indication that R and the divorced/separated
                  spouse filed their 1988 taxes jointly (i.e., box is checked
                  or marginal note says so), put this information on a Problem
                  Sheet.

                 SECTION X: CHARITY AND INTER-FAMILY TRANSFERS

X1-X8       Assets mentioned in Section X may match amounts listed in Section
            N or other places in the I'w.  Leave the double counting, since
            this section is concerned with the source of the asset.

X2          Edit the # OF INHERITANCES, TRUSTS, OTHER TRANSFERS entered in the
            box at X2 to be consistent with the number recorded in Columns #1-
            #3 and X8 as per GENERAL INSTRUCTION 24.

X2-X6       Edit out gifts or inheritances received by HU members other than R
            or Spouse, such as R's children or parents.  Write them on the
            Problem Sheet.

X5          If more than one date is given at X5, indicating more than one
            inheritance from the same source, leave the earliest and move the
            other(s) to the next columns, if they are available.  If there are
            no empty column(s) to edit them to, move them to the mop-up Q at
            X8.
        

X10         If R volunteered time (not money or property) and gave charitable
            contributions in that way, edit it out.

                      SECTION Y: RESPONDENT DEMOGRAPHICS

            GENERAL INSTRUCTIONS ON DEMOGRAPHICS

Y7-Y23b     Edit these questions to agree with other information in the
            Interview and in the HHL box.  See the Editing Supervisor if you
            are unsure.  

Y5          If R mentions "children" in the Interview but none are in the HHL
            box and "NONE" is checked at Y5, see the Editing Supervisor.

Y7          Check the CHECKPOINT at Y7 for accuracy and make sure the
            appropriate sequence has been followed.

Y8e         For separated Rs:  This question should be consistent with the
            information reported in other sections.  If R reports, for
            example, assets are mostly 'OWNED BY R', edit all sections to
            reflect only the R's assets, debts, and income.  If they are
            'OWNED JOINTLY', make the sections consistent with this response. 
            If you have reason to believe the data do not reflect what the R
            reported in Y8e, take the interview to the Editing Supervisor.

Y8a, Y9a,   Edit "YEARS AGO" to "19___" by subtracting the number of "YEARS
Y10a, Y12,  AGO" from the date of Interview (89 or 90) and entering the result
Y12a        in the "19___" blank.  Then edit out the "YEARS AGO" response.

Y16         Check the CHECKPOINT at Y16 to agree with the HHL box and to make
            sure the appropriate sequence was followed.

Y13, Y22f   Edit "19___" to "AT ___ YEARS OLD" by subtracting the year entered
            in "19___" from the year of the Interview (89 or 90) and
            subtracting that result from R's imputed age (from the IMPUT AGE
            box for R on the facesheet).  Enter that result in the "AT ___
            YEARS OLD" blank and edit out the response in the "19___" blank.

Y25         Check the CHECKPOINT at Y25 to agree with the HHL box and to make
            sure the appropriate sequence has been followed.

Y25c&d      1.    Check each person listed here against the HHL for accuracy
                  of Relationship to Head (Y25c and HHL box A) and Age (Y25d
                  and HHL box C) to insure that each person listed here in
                  Y25c-Y25e can accurately be matched with the listing box.

            2.    Edit out anyone found in Y25c-Y25e who is not included in
                  the HHL listing box, or see the Editing Supervisor if it
                  seems that someone found here should have been listed.

Y33         Check the CHECKPOINT at Y33 to agree with the HHL box and to make
            sure the appropriate sequence has been followed.

Y34b        1.    If Y34b is checked "YES", edit the amount reported at Y34a
                  out of T2a-T2n and T3 (on pp. 102-103).  Then edit this
                  question (Y34b) from "YES" to "3" to indicate that the
                  information was double-counted but is now corrected.  

            2.    If it is unclear where or whether the amount at Y34b is
                  double-counted, see the Editing Supervisor and put the
                  information on the Problem Sheet.  If the amount is not
                  moved out of the income section, leave Y34b marked "YES".

Y35c        If Y35c is checked "YES", edit the amount at Y35b out of the
            income component (on p. 102) indicated by Y35a:

                  Y35a BOX                EDIT COMPONENT
                  CHECKED                 AT:             

                  A-C                     T2m, T3
                  D                       T2k, T3
                  E                       T2c/d, T3
                  F                       T2e, T3
                  G                       T2a/b, T3
                  H                       T2f/g, T3
                  J                       T2a-n, T3

            Then edit Y35c as per Y34b, item 1.

Y36b        If Y36b is checked "YES", check the vehicle grids at G8-G23d (pp.
            37-39) and G2b-G39d (pp. 41-43) and see if you can determine with
            assurance which of the vehicles there is the one whose value is
            specified at Y36a.  If you can, edit that vehicle out of the G
            section and edit this Q (Y36h) as per Y34b, item 1.

            If it is not clear which vehicle is specified, then do nothing and
            leave Y34b checked "YES".

Y37b        If Y37b is checked "YES" edit the amount reported at Y37a out of:

                  ACCOUNT                 
                  LOCATION                PAGE #

                  N5 & N8                 60, 61
                  N14                     63
                  N20 & N21a              64
                  N22b                    65
                  N25 & N26a              66, 67
                  N31a                    69

            and edit Y37b as per instruction for Y34b, item 1.

            If it is clear that the amount at Y37a is only part of the amount
            in the account (i.e., it is a joint account with a PEU member),
            edit out only the amount specified.  If, however, the amount is
            the whole account, then edit the account out, remembering to
            adjust the # of accounts at that location.

Y38b        If Y38c is checked "YES", edit the amount reported at Y38b (except
            for the amount which is reported at Y39b, if box A at Y38a is
            checked) out of the following locations depending on which boxes
            are checked at Y38a:

                  IF Y38a                 CHECK &ON
                  BOX                     EDIT     PAGE #

                  A                       (see instructions for Y39 below)

                  B                       N37, N39*70
                  C                       N32a, N33a-d69
                  D                       N28a-N28e*68
                  E                       N20   64
                  F                       M14*  54
                  G                       E18*  31
                  H                       (as needed)

                  * Other amounts are affected by editing these accounts;
                    see the Editing Supervisor. and then edit Y38c as per
                    instructions for Y34b (unless BOX A at Y38a is checked,
                    in which case you should leave Y38a "YES").

Y39         Check the CHECKPOINT at Y39 to agree with Y38a and to make sure
            the appropriate sequence has been followed.

            If "Rs HOME" is checked, see the Editing Supervisor.  Section D
            will have to be edited as per instructions for D27-D40a, note 3
            and D28, D29 & D31, item 1a.  The independent adults share will
            remain (also) at Y38b and Y39b-Y39c.  Y39b should equal D19 and
            Y39c should equal all the debts on the home.

Y42-Y43     CHECK FOR ACCURACY OF THESE CHECKPOINTS

            If R is covered by a pension on a current job, BOX 1 at Y42 should
            be checked;  if S is covered by a pension on a current job, BOX 4
            at Y43 should be checked.  If either of these are not consistent,
            bring to the Editing Supervisor.

Y43         NOTE:  The box labelled "R IS NOT MARRIED" at Y43 should be edited
            as though it reads "R IS NOT MARRIED/LIVING WITH PARTNER".

                            SECTION ZZ: OBSERVATION

ZZ2         CHECK TYPE OF STRUCTURE

            There should be just one box checked at ZZ2.  If more than one is
            checked, edit out all but one.  You can probably determine which
            is right by checking Section D.  If not, see Editing Supervisor.

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

                       Survey of Consumer Finance--1989

                          General Coding Instructions

1)    PERCENT VS. %:  Answers requiring the R to respond in a percentage will
      be coded in one of two ways.

      a)    Where answer line is labelled "PERCENT" (as at D4 on page 10), we
            will code a 3 digit whole per cent plus 2 decimal places (xxx.xx).

      b)    Where answer line is labelled "%" (as at D35 on page 19), we will
            code a 2 digit whole percent field plus 2 decimal places (xx.xx). 
            In these cases (usually asking interest rates being charged on
            loans) an answer of 10-3/4% will be coded 1075.

      c)    Conversion of fractional percentages into 2 decimal places:

                  1/4 = .25
                  1/2 = .50
                  3/4 = .75
                  1/8 = .13
                  3/8 = .37
                  5/8 = .63
                  7/8 = .87

2)    DOLLAR FIELDS:  Most $ fields are coded as 4 or 7 digit fields.  The
      four digit fields are indicated by a boxed precoded item (usually--as at
      D60 on page 25--9996.  No regular/usual payment or 9998.  DK) OR by a Q
      which specifically asks for a monthly payment.  All others which have no
      such indications are coded as 7 digits.  Please be especially careful of
      these large fields--it's very easy to miss-key in a value and the error
      may be very substantial.

      RANGE OF VALID CODES FOR DOLLAR FIELDS:  Please note that, due to the
      use of a "range card" (Card B) for DK answers to $ fields, the code
      values are as follows:

            1-(999)9979.
            (999)9979.  $(999)9979 or more -- This is the code to use when an
                                              actual amount is given by R
                                              which exceeds our field width.

      ANSWERS GIVEN FROM CARD B:

            (999)9980.  A.  LESS THAN $500
            (999)9981.  B.  $500-$1,000
            (999)9982.  C.  $1,001-$2,500
            (999)9983.  D.  $2,501-$10,000
            (999)9984.  E.  $10,001-$50,000
            (999)9985.  F.  $50,001-$250,000
            (999)9986.  G.  $250,001-$1 MILLION
            (999)9987.  H.  $1 MILLION-$10 MILLION
            (999)9988.  I.  $11 MILLION-$100 MILLION
            (999)9989.  J.  MORE THAN $100 MILLION

            (999)9996.  NONE; NO USUAL/REGULAR/TYPICAL PAYMENT 
                              (present at some locations) R only gives
                              assessed (home) value
            (999)9997.  OTHER/NEGATIVE AMOUNT; LOSS; amount in parens 
                              (present at some locations)
            (999)9998.  DK
            (999)9999.  NA

      In addition, there will be "warning" messages on several fields when
      large amounts are entered to try to clear up miss-punches as they occur.

3)    CODEBOOK JARGON:

            DK:    (Respondent answers) Don't Know
            NA:    Not Ascertained
            Inap.: Inappropriate (item or question)
            NFS:   Not further specified
            NEC:   Not elsewhere classified

4)    If MONTH is NA, but season is given, code:

            Winter = 02       Summer = 08       Spring = 05       Fall = 11
      
5)    For all Q's asking "# of years", code "01" will include one year or less
      but will not include "NONE".

6)    RESTRICTED AMOUNT CODES:  Whenever the full range of numbers is not
      available for an item (example V5, Length of Iw:  the current valid
      range is 15-240 minutes only), make a card for any amount falling
      outside the valid range.
      Never assume an "XX or more" unless it is printed at the particular
      location.

7)    If an answer exceeds the valid range specified in the codebook, make
      a card and put on Joan's desk.  Example: # of vehicles range is (01-25). 
      If R says "32" we will adjust the valid range.

8)    Tab items as you choose, but do not remove pages -- get a xerox if you
      want copies of codes to keep out of the codebook.

                
                FINANCIAL INSTITUTIONS MASTER REFERENCE LIST

****  NOTE TO CODERS:  Not all of the categories listed here are valid codes
      at every location which asks for Financial Institution.  If you need one
      that is currently invalid, code 97 AND make a card.

        1989                                                            1983 
        Codes                                                           Codes

        01-06.   Inst. #1-#6 from Card A                                ---

        11.  Commercial bank; "trust company"                           01.
        12.  Savings & loan association or savings bank                 02.
        13.  Credit union                                               03.
        14.  Finance or loan company                                    04.
        15.  Store or dealer                                            05.
        16.  Brokerage company; "mutual fund"--NFS                      06.
        17.  Insurance company                                          07.
        18.  Mortgage company                                           08.
        19.  Contractor or developer                                    09.
        20.  Prior owner                                                10.
        21.  Automobile finance company; GMAC; Ford CDT                 11.
        22.  Doctor or hospital; dentist                                12.
        23.  Lawyer                                                     13.
        24.  Accountant                                                 14.
        25.  Employer                                                   15.
        26.  Friend or relative (not codeable above)                    16.
        27.  Individual lender (not codeable above)                     17.
        31.  Real estate (investment) company                           21.
        32.  School/college/university                                  22.
        33.  Local/county/state government (exc. 42)                    23.
        34.  Special federal government agency: FMHA; SBA; VA;          24.
             FHA; HUD; NDSL
        35.  Federal government general or NA agency; IRS               25.
        37.  (83=K22b only; 89=N45 only) Self/spouse (manages           27.
             own trust)
        38.  Bank or general purpose credit card company: VISA;         28.
             Carte Blanche; MasterCard (except American Express, 
             code 51)
        39.  Union                                                      29.
        40.  Church                                                     30.
        41.  AARP (American Association of Retired Persons)             31.
        42.  Courts                                                     32.
        50.  (Sears)/Discover Card (V415-418 only) (Code "Sears"        ---
             mention in 15)
        51.  American Express/Optima Card                               ---
        61.  Other membership organization: AAA; NEA; NTA               ---
             (V415-418 only)
        92.  Money market (mutual) funds, NFS                           ---
        93.  Farm related lenders, not codeable above or NA if          93.
             membership group or government agency
        94.  Investment/management companies or consultants--NEC        94.
        95.  Non-financial institution (exc. 40-42, 61)                 --
        -1.  Combinations of types of financial institutions            96.
        -7.  OTHER                                                      97.
        98.  DK                                                         98.
        99.  NA                                                         99.

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

                   PANEL PRE-EDIT INSTRUCTIONS

The purpose of the 1989 SCF Panel Study Pre-edit is to assure
that the household listing data is as complete and accurate as
possible.  The procedures involve correcting inconsistencies
which exist in the identifying information of the Respondent,
his/her Spouse, or of other household members, based on
comparisons of the '89 listings to the '83 and '86 household
member listings as they appear on the 1989 SCF Panel "HOUSEHOLD
LISTING UPDATE" (HHL) sheet.

The purpose of the first part of the pre-edit is to examine all
HHL UPDATE sheets in order to identify cases where discrepancies
exist from one time period to the next and where household
members cannot be tracked with certainty.  

The second part of the pre-edit procedures consists of looking up
additional information for problem cases to clear up and correct
cases that can be explained by normal changes in household
membership such as children leaving or returning home, re-
marriage of the Respondent, or by errors in age/sex information.

The third part of the pre-edit handles correction of the more
difficult problem cases -- those that do not have an explanation
after looking at the available information and that may require
staff decisions to change data to create consistency between time
periods.

MARKING CORRECTIONS:  

     a.   Corrections to the HHL UPDATE sheet should be marked in
          green with bad data crossed out and the corrected data
          written in next to it.

     b.   Any corrections to the '83 and '86 listings on the
          FRONT of the HHL UPDATE sheet will later need to be
          recorded on the actual coversheets.  To facilitate
          this, XEROX the FRONT of the sheet, circle the changes
          in green, and file the sheets in the folder marked
          "COVERSHEET CHANGES".

     c.   Corrections to other '83 or '86 data should be marked
          on the "Data Listing Sheet" in green.  

     d.   Corrections to data in the '89 interview form should be
          done by circling out bad information and putting in
          changes in red; these must be initialed by study staff.

PART 1: Routine Interview Checks

1.   Check that there is a HOUSEHOLD LISTING UPDATE sheet in each
     interview.  If there isn't, circle the Case number on the
     "Sample ID Printout" and inform the Editing Supervisor.

     NOTE:  If 2 listing sheets are found in one case, pull out
     the blank one (with no Iwer handwriting) and place it in the
     "Extra Listing Sheets" folder.

2.   Verify that each case has its correct sheet by checking the
     Sample ID.  Write the 1989 ID (3000 or 4000 sequence) in the
     upper left-hand corner of the UPDATE sheet if it is missing.

3.   On the BACK, calculate the current ages of all listed
     household members, using birthdate in column (f), and (if
     needed) date in Interview on the facesheet.  Cross out the
     printed age in Column (d) and write the current age on the
     right-hand edge of Column (b) for each person.  (See Example
     #1)

     If birthdate is missing for R or S, look it up on the "Data
     Listing Sheets".

4.   Trace each household member who appears on any of the  
     listings, checking age and sex information for consistency. 

     Age will be allowed to increase by 2 - 4 years from '83 to
     '86 and from '86 to '89, and by 5 - 7 years from '83 to '89
     without being considered a problem.  However, if you are
     certain that a listed age was inaccurate, cross out the
     wrong age and write in the correct age next to it.

          ***************************************************
          *  To help in calculating ages, the interview     *
          *  periods for the three studies are as follows:  *
          *                                                 *
          *         1983:   February - August '83           *
          *         1986:   June - September '86            *
          *         1989:   October '89 - March '90         *
          ***************************************************
     The actual dates of interview are printed on the HHL sheets.

5.   Look at columns 'g' and 'h' on the BACK of sheet, top grid,
     and Column 'h' in the 'Mover In' (bottom) grid.  Check that
     the dates given for household members coming and going is
     consistent with the listings at each time point.  A number
     of differences are expected to turn up here.  (See Example
     #2)

6.   Where children's ages vary from time point to time point,
     check page 121 of the '89 interview or the "'83 - '86 Data
     Listing Sheets" book for that case to see if the situation
     is explainable by different children being there at
     different times.  The rule of thumb for deciding a case is
     O.K. is:  If the recorded information is consistent with a
     plausible explanation, then no further look-ups need to be
     done.

7.   If Column (e) " '89 R" is checked in the "Mover In" grid,
     put the case aside to show the Edit Supervisor.

8.   PRE-CODES  At the bottom of the BACK side of the HHL update
     sheet, pre-code the following in green: (See Example #1)

     a.   HISTORY OF '89 R:  Traces the '89 Respondent through
          the three possible interview points as follows:

                                                      "R="
In ...    '83            '86            '89           Code
          -------------------------------------------------

R was:    Resp           Resp           Resp           01

          Resp           No Int         Resp           02

          Spouse         Split-off R    Resp           03

          Spouse         No Int         Split-off R    04

          Spouse         Spouse         Split-off R    05

R/S Reversals or deaths/institutionalization (For Supervisor's Use Only)

          '89 R was      No Int         Resp**         10
          '83 Spouse

          '89 R was      '89 R(*?) was  Resp**         11
          '83 Spouse     '86 Spouse

          '89 R was      Resp*          Resp**         12
          '83 Spouse

          Resp           '83 R* was     Resp           13
                         '86 Spouse

          '89 R not      '89 R was      Resp**         20
          in HH          '86 Spouse     

*    R and Spouse data need switching in '86 I'view.
**   R and Spouse sections need switching in '89 I'view. (DONE IN
     EDITING)

PRE-CODES (CONT.)

     b.   HISTORY OF SPOUSES:  Traces the history of Spouses through
          the three possible interview points as follows:

Spouse History -- Original R's only 
                 "S="
In ...    '83            '86            '89            Code
          -------------------------------------------------

          No Spouse      No Spouse      No Spouse       00

          Spouse*        Spouse*        Spouse*         01

          Spouse*        No Int         Spouse*         02

          Spouse*        No Int         New Sp #1       03

          Spouse*        New Sp #1      New Sp #1       04

          Spouse*        New Sp #1      New Sp #2       05

          No Spouse      New Sp #1      New Sp #1       06

          No Spouse      New Sp #1      New Sp #2       07

          No Spouse      No Spouse      New Sp #1       08

          No Spouse      No Int         New Sp #1       09

          Spouse*        Spouse*        No Spouse       10

          Spouse*        No Int         No Spouse       11

          No Spouse      No Int         No Spouse       12

          Spouse*        No Spouse      No Spouse       13

          No Spouse      New Sp #1      No Spouse       14

          Spouse*        No Spouse      New Sp #1       15

          Spouse*        Spouse*        New Sp #1       16

          Spouse*        New Sp #1      No Spouse       17

Make Other, not described above .................  19
Card
and put in problem pile

Spouse* refers to original '83 Spouse

Spouse History -- Split-off R's only 

In ...    '83            '86            '89            Code
          -------------------------------------------------
Split-offs in '86
           ---           No Spouse      No Spouse       50

           ---           Spouse #1      Spouse #1       51

           ---           Spouse #1      Spouse #2       52

           ---           No Spouse      Spouse #1       53

           ---           Spouse #1      No Spouse       54

Split-offs in '89
           ---           No Int         No Spouse       60

           ---           No Int         Split-off
                                        Spouse #1       61

           ---            ---           No Spouse       62

           ---            ---           Split-off
                                        Spouse #1       63

Spouse* refers to original '83 Spouse
*  R and Spouse data need switching in '86 I'view.
** R and Spouse sections need switching in '89 I'view. (Done in   
  Editing)

R/S Reversals (For Supervisor's Use Only)

          '83 Sp is      No Int         '89 Sp was      70
          '89 Resp                      '83 Resp**

          '83 Sp is      '86 Sp is      '89 Sp was      71
          '89 Resp       '89 Resp       '83 Resp**

          '83 Sp is      No Spouse      No Spouse       72
          '89 R('83 R died)

          Spouse*        '83 R* was     Spouse*         73
                         '86 Spouse

          '83 S is       No Int         No Spouse       74
          '89 R('83 R 
          died or inst.)

             "           '86 Sp is      No Spouse       75
                         '89 R

             "           '83 R was      No Spouse       76
                         '86 Spouse

          No Spouse      '86 Sp (new)   '89 Sp was      77
                         is '89 R       '83 R**

          '83 S is       '86 Sp was     '89 Sp was      78
          '89 R('83 R    '83 R*         '83 R
          died or inst.)

    Make  Other, not described above .................  79
    Card 
    and put in problem pile

Spouse* refers to original '83 Spouse
*  R and Spouse data need switching in '86 I'view.
** R and Spouse sections need switching in '89 I'view. (Done in   
  Editing)

     c.   EXTENT OF PROBLEMS IN HHL DATA:

     00.  No problems noted; all listings are accurate and consistent. 
          No corrections to the data.

     01.  Corrections to '83 ages only
     02.  Corrections to '86 ages only
     03.  Corrections to both '83 and '86 ages
     04.  Birthdate(s) changed on '89 HHL to make consistent w/ age.
     05.  Birthdate(s) changed on '83 DATA LISTING to be consistent w/
          age.
     06.  Sex changes made to HH members other than R/S -- '83
          listing.  
     07.  Sex changes made to HH members other than R/S -- '86
          listing.
     08.  (Do not Use) Sex changes to R/S in '83 listing (See 40 - 42)
     09.  (Do not Use) Sex changes to R/S in '86 listing (See 40 - 42)

     10.  Corrections to '89 "Movers In" 
     11.  Corrections to '89 "Movers out"
     12.  Corrections to both "Movers in" and "Movers out"

     20.  People missing on '89 pre-printed listing;  were there but
          not coded in '83;  added to '83 and '89 listing.
     21.  People missing on '89 pre-printed listing;  were there but
          not coded in '86;  added to '86 and '89 listing.
     22.  People removed from '86 and '89 listing (R did not live with
          them.

     30.  Corrections to relationship codes (other than R/S) in '83
          list 
     31.  Corrections to relationship codes (other than R/S) in '86
          list
     32.  Corrections to relationship codes (other than R/S) in both
          '83 and '86 list

     40.  R/S reversed on '83 listing.
     41.  R/S reversed on '86 listing.
     42.  R/S reversed on both '83 and '86 listing.

     50.  "Spouse" changed to "Partner" (or vice versa) in '83.
     51.  "Spouse" changed to "Partner" (or vice versa) in '86.

     90.  Both age and sex corrections made to '83 listing (other than
          R/S).
     91.  Both age and sex corrections made to '86 listing (other than
          R/S).
     92.  Both age and sex corrections made to both '83 and '86
          listing (other than R/S).
     95.  Persons deleted from '83 list.
     96.  No listing sheet found;  made up by Editing Supervisor.
     97.  Other combination or corrections, not specified above.

9.   For cases where everything is all right -- for example, the only
     problems are that either the ages are off within the limits
     specified above, or that children's age differences are
     explainable by their being different children, -- such cases may
     be refiled.  All other cases should be set aside as problem
     cases.

PART 2: HANDLING THE PROBLEM CASES.

1.   Look up any information in the current (1989) interview that
     might clear up the problem.  Helpful places to look are Y6 - Y12
     (pp 122-132) or YY1 - YY7 (pp 133-140) for marital history, Y16
     for spouse marital history, and Y1 for children living elsewhere.
     

2.   Look up remaining cases in the data listings.  See if the problem
     is explainable or correctable from looking at all the information
     available -- e.g. marital history, ages of children living
     elsewhere.  

3.   If corrections need to be made to the data or the coversheet,
     follow the procedures outlined below for noting them.

4.   On a "yellow sticky", write up a description of each problem
     case, noting what additional information is needed, and place
     this on the face sheet of the interview;  insert  HH Listing
     update in the interview.  Sort the problem interviews into piles
     of similar kinds of problems.

PART 3:   FURTHER LOOK-UPS.

1.   Additional information may be needed on cases that still remain
     as problems.  Possible sources are the '83/'86 coversheets, or
     the '83/'86 interviews themselves.  

2.   If none of the information available provides an answer to the
     problem of a particular case, that interview should be set aside
     in a special pile with all its associated material;  these will
     be resolved by the study staff and the Feds.

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

                       89 SCF EDITING ADDENDUM FOR PANEL

HOUSEHOLD LISTING UPDATE SHEET:

It is crucial that these are carefully edited and checked to eliminate
problems down the road.  

      1.    Do not do the computed and imputed ages on the face-sheet;  this
            will be handled by the pre-edit being done on the 'HOUSEHOLD
            LISTING UPDATE SHEET'.

      2.    Do the "ABSENT  SPOUSE PRE-CODE" (v100 = ____) as before if the
            spouse is absent.  Write it next to the Sample ID on the BACK of
            the HHL UPDATE sheet.

      3.    Check over the HHL UPDATE sheet and read through the Thumbnail and
            interviewer notes to see that everything looks consistent; confirm
            that the designated R on the HHL update (top grid on the back) is
            the R that was actually interviewed AND is in Section R of the Iw. 
            If you have any suspicions about the listing, see the Editing
            Supervisor.

      4.    If the '89 R and Spouse have been reversed from the '83 R and
            Spouse, this must be corrected on the HHL Update sheet because the
            person interviewed as the R in '83 must be listed on line 1 of the
            household listing box, (Item 8 on the HHL Update sheet) if that
            person was in the household in '89.  In addition, the interview
            must be edited for these cases so that the data specified as data
            for "R" is the data for the person listed on line 1 -- the '83 R. 
            

            Therefore, any time you find a case where you have the slightest
            suspicion that the '89 Resp and Spouse have been reversed from
            '83, or that the '89 Respondent is not the same person as the '83
            Respondent, you must take it to the Editing Supervisor for Pre-
            Editing.  She will consult the '83 coversheet to verify who the
            actual '83 Respondent was, will make corrections as needed in red
            on the HHL Update sheet, and return the interview to you.  When
            you receive the interview back, you will follow one of two
            possible courses of action.  

            A.    If the R and Spouse have not been switched, you can proceed
                  to edit the interview in a normal manner.

            B.    If, however, the R and Spouse have been reversed, then you
                  must check the data at all locations specified below to
                  assure that it is consistent with this change.  The
                  following data locations need to be corrected:

                  1)    M9b and N11

                  2)    IN THE SPOUSE BOOKLET:
                        a.    Carefully remove p. 14a.
                        b.    If S1c or S1f is checked "NO", change the Skip
                              Instruction to "S47".
                        c.    If S44 is checked "FULL-TIME", cross out the
                              Skip Instruction.
                        d.    If S44 is checked "PART-TIME", change the Skip
                              Instruction (S.I.) to "S46".

                        IN THE R SECTION:
                        a.    Staple p.14a (from the Spouse Booklet) over p.
                              91.
                        b.    If R1c or R1f is checked "NO", change the S.I.
                              to "S44c" and check the correct S44c box on P.
                              14a.
                        c.    If R44 is checked "FULL-TIME", change the S.I.
                              to "S44a" and check the correct S44a box on P.
                              14a.
                        d.    If R44 is checked "PART-TIME", change the S.I.
                              to "S44b" and check the correct S44b box on P.
                              14a.
                        e.    On p. 14a:  Delete the box the Interviewer had
                              checked if it is different from the new box you
                              checked.

                  3)    R50c-f, R51b (recipient), R52b, R53e, T7b (boxes 3 and
                        4)

                  4)    V16 - V17k must be switched with V19 - V19m

                  5)    V26a

                  6)    Demographics in Section Y:
                        Resp                    Spouse
                        Y2-Y3b,Y5    with       Y18 - Y21

                  7)    Checkpoint at Y6 must be checked and corrected if
                        wrong.

                  8)    Y25a (health conditions), Y29d, Y31, Y31c,

                  9)    The checkboxes at Y42 and Y43 need to be fixed to
                        correspond to the corrected R and S.

     5.    Precode Item 1 on the FRONT of the sheet.  Underline the correct
            code if marked, or mark the correct code if it is incorrectly
            marked.  If R says he/she is married, but the spouse does not live
            in the household, code use codes '7' or '8' as on the Cross-
            section to indicate the spouse is not in the house.

      6.    Precode Marital Status for everyone currently in the household
            using Column (e) to write the code.  Enter the numbers 1-6
            (corresponding to the numbers at Item 1) plus '7' and '8' (for the
            Respondent only).  Code Marital Status for all HH members 18 and
            older for whom there is some indication what their status is.  For
            young adults who were in the household in both '83 and '86 and are
            now age 20-22, assume 'Never Married' (code '6').  For any person
            under 18, leave blank unless marital status is known. (These will
            be coded '6' by machine.)  For others, if no indication, code '9'.

      7.    Code Column (g) for everyone in the listing {including 'Movers
            In'-- mark to the left of the lined dividing columns (f) and (h)}
            using the "RESIDENT STATUS CODE" from the Cross-section with the
            following revisions:

            Code:
                  5.    NO is marked, and a DATE LEFT must be indicated.  If
                        none is listed, code 99/99 in column (h).

                  6.    A "mover in" who is assumed to live there all the
                        time;  no other notes are given.  

                  7.    A "mover in" for whom there is some indication that
                        they do not live there all the time.  Check the HHL
                        UPDATE sheet and the Thumbnail.

      8.    Code the "economic units" as for the Cross-section.  There may be
            less consistency in the marking of these, since a number of new
            interviewers started working on the study when the Panel portion
            began.

            All movers out should be coded "0" here.

R: RESPONDENT EMPLOYMENT

R1e:  Edit any hourly wages to dollars per week using full-time hours which is
40 hours/wk for males and 35 hours/wk for females.  Use the '8' code to show a
conversion was done.

In cases where the information recorded in this section is for the person that
was the '83 Spouse, write in BIG RED LETTERS "CODE FOR SPOUSE".   

R45-R47u    This section is different from the Cross
S45-S47u    section in that it asks about the job R had in 1983 and then
            updates work history only for the past 3 years (36 months).  Not
            much to do here that the computer can't do with more ease.

S: SPOUSE BOOKLET

The Spouse booklet is the same as for the Cross-section except for (1) the
checkpoints at S44a - S44c on page 14a
and (2) the work history section has 2 possible routes through it -- the 'S'
questions for updating old spouse work history, and the 'SS' questions for
Spouses that are new to the R's household.  The checkpoints S14a-S14c direct
the R to the correct sequence.

In cases where the information recorded in this section is for the person that
was the '83 Respondent write in BIG RED LETTERS "CODE FOR RESPONDENT", and see
Editing Supervisor.  

In the some copies of the questionnaire, new Questions S14a-S14c have been
stapled onto the page to correct for erroneous checkpoints.  A copy of the
corrected page is attached; see Editing Supervisor if the replacement page was
not stapled in.

T: INCOME QUESTIONS 

T8,T10      1.    Make all figures annual, as you have been doing    on the
                  Cross-section.

                  If R states the amounts for '86 or '87 income were "a little
                  less than now" or some other explanation indicating that
                  there have only been cost of living or inflation
                  adjustments, and no dollar amount is given, code the amount
                  as equal to the known amount.

T8-T15            Amounts given in these questions should include the income
                  and support of all persons living in the household at that
                  time.  So for currently divorced persons, income of their
                  ex-spouses should be included.

T9,T11            Look over the 'Refused' sequence, to see that it makes
                  sense.  If unclear, see Editing Supervisor.

V: CHANGES IN FAMILY FINANCES

This section did not appear in the Cross-section version of the questionnaire. 
In general, you should leave information as given;  do not check for
consistencies with earlier sections except as specified below.

This section should refer to persons in the HU, and not just to those in the
Primary Economic Unit, since PEU was not a concept applied to the
questionnaire in the 1983 survey.

V1-V2 Check for gross inconsistencies with the D Section.  Bring them to the
      Editing Supervisor if you find any.

V20   1.    If V20 = '1. YES', check that someone actually left the household
            since 1983.  

      2.    Code V20 as follows:

            If there is an inconsistency between the V20 report and the
            listing update, code V20 "3" If the reports are consistent,
            underline the "1. YES" box.  If the "5. NO" box is checked,
            underline it.

V22   1.    If V22 = '1. YES', check that someone other than a new spouse
            joined the household since 1983.

      2.    Code V22 as follows:

            If there is an inconsistency between the V22 report and the
            listing update, code V22 "3" If the reports are consistent,
            underline the "1. YES" box.  If the "5. NO" box is checked,
            underline it.

V33         If an inheritance is already mentioned at X3-X6, delete from here
            and leave in Section X.

Y: DEMOGRAPHICS

The questions in the Y section are similar to the questions in the Cross-
section version of the questionnaire, but the layout is somewhat different. 
Respondents go through either the Y7 - Y12f sequence if they were interviewed
in 1986, or they go through the YY1 - YY8 sequence if they were not
interviewed in 1986.

Look for inconsistencies in the marital history and marital status questions
that may be indicative of other, more serious problems.  If the information is
inconsistent, see the Editing Supervisor.

Verify these checkpoints using the HHL UPDATE sheet:

Y6,Y6a,     
Y6b,Y10b,
Y11b,Y12b

YY1,YY3h,YY4h,YY6c,
YY6d,YY7b,YY8

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

                    1989 Survey of Consumer Finances--Panel

                        Occupation Coding Instructions

NOTE: The instructions for current job refer only to R, but they also apply to
      Spouse.

Section M:

      1.    Code any business listed at M5a, then check M9b (P.52) to see if R
            works in the business; you may need this when editing/coding
            Section R.

      2.    If an M5a business is listed as R's current job in Section R, use
            M5a information as an aid to coding industry at R5/R14a (the
            information at M5a is often better than that in Section R).

Section R:

      1.    R1 Status:  If the only combination checked is RETIRED and
            DISABLED, check P.1 Listing Box for R's age.  If 62 or older, code
            as RETIRED; if under 62, code as DISABLED.

      2.    R2:  If SOMEONE ELSE is checked, and the industry given at R5 is
            clearly an M5a business in which R works (M9b), write in "M5a"
            under the "IF R SAYS" box at R2.

      3.    R14/R14a (SELF-EMPLOYED):  If the industry given is clearly an M5a
            business in which R works (M9b), make sure box to right of R14 is
            checked; if not, mark it.  

      4.    In combinatiuon with anything except worker (code 15), HOUSEWIFE
            is low priority.

      5.    Other examples of resolving multiple checks at R1:

            a.  WORKING + STUDENT + UNEMPLOYED = 14 (worker and student)

            b.  UNEMPLOYED + STUDENT + HOMEMAKER = 30 (unemployed)

                       Occupation and Industry Locations

Key to Codes:     OCC = 1970 Census 3-digit occupation code
                  IND = 1970 Census 3-digit industry code
                  SUM = 2-digit occupation summary code
                  SPI = Special 2-digit industry code (M5a only)

                  PAGE              QREF              CODE

                  51                M5a               SPI

RESPONDENT        77                R1                SUM

                  78                R3-R5             OCC + IND

                  80                R14,R14a          OCC + IND

SPOUSE            1                 S1                SUM
SUPPLEMENT
                  2                 S3-S5             OCC + IND

                  4                 S14,S14a          OCC + IND

89SCF

                          BUSINESS AND PROPERTY LINK CODES

        For Every Property at E16 (page 31) precode at top of each column:

High     1.  This property associated with Bus #1 at M5a
Priority 2.    "     "          "       "  Bus #2 "   "
         3.    "     "          "       "  Bus #3 "   "
         4.  This property is associated with business listed at M5a,
             BUT it is
                (a) a business beyond #3 (at M19a-c) or
                (b) associated with more than one M5a business or
                (c) NA which business

         5.  Property not associated with a business at M5a-M19c
             (i.e., no info present which ties this property to an
             M5a-M19c business) OR NO businesses listed in M5a-M19c

         6.  This property is associated with R's main job (at R2 or R14)

         7.  This property is associated with S/P's main job (at S2 or S14)

      Precodes at R2 or R14 and/or R40b (also S2, S14, S40b):
 
         1.  This job associated with Bus #1 at M5a
         2.   "    "       "       "  Bus #2 "   "
         3.   "    "       "       "  Bus #3 "   "
         4.  This job is associated with business listed at M5a, BUT it is
               (a) a business beyond #3 (at M19a-c) or 
               (b) associated with more than one M5a business or
               (c) NA which business

         5.  Job not associated with a business at M5a-M19c (i.e., no
             info present which ties this job to businesses) OR NO
             businesses listed in M5a-M19c

                          BUSINESS AND PROPERTY LINK CODES

      For Every Property at E16 (page 31) precode at top of each column:

High     1.This property associated with Bus #1 at M5a
Priority 2.  "     "          "       "  Bus #2 "   "
         3.  "     "          "       "  Bus #3 "   "
         4.  This property is associated with business listed at M5a,
             BUT it is
                 (a) a business beyond #3 (at M19a-c) or
                 (b) associated with more than one M5a business or
                 (c) NA which business

         5.  Property not associated with a business at M5a-M19c
             i.e., no info present which ties this property to an
             M5a-M19c business) OR NO businesses listed in M5a-M19c

         6.  This property is associated with R's main job (at R2 or R14)

         7.  This property is associated with S/P's main job (at S2 or S14)

      Precodes at R2 or R14 and/or R40b (also S2, S14, S40b):

         1.  This job associated with Bus #1 at M5a
         2.   "    "       "       "  Bus #2 "   "
         3.   "    "       "       "  Bus #3 "   "

         4.  This job is associated with business listed at M5a, 
             BUT it is
               (a) a business beyond #3 (at M19a-c) or 
               (b) associated with more than one M5a business or
               (c) NA which business

         5.  Job not associated with a business at M5a-M19c
             (i.e., no info present which ties this job to
             businesses) OR NO businesses listed in M5a-M19c

---------------------------------------------------------------------------
---------------------------------------------------------------------------
List of variables included on the public use dataset  
---------------------------------------------------------------------------
---------------------------------------------------------------------------
XX1 X1 J14 X14 J19 X19 J100 X100 J101 X101 J102 X102 J103 X103 J104 X104 J105
X105 J106 X106 J107 X107 J108 X108 J109 X109 J110 X110 J111 X111 J112 X112 J113
X113 J114 X114 J115 X115 J116 X116 J117 X117 J118 X118 J119 X119 J120 X120 J121
X121 J122 X122 J123 X123 J124 X124 J125 X125 J126 X126 J127 X127 J128 X128 J129
X129 J130 X130 J131 X131 J132 X132 J133 X133 J134 X134 J135 X135 J136 X136 J137
X137 J202 X202 J203 X203 J204 X204 J205 X205 J206 X206 J207 X207 J208 X208 J209
X209 J210 X210 J211 X211 J212 X212 J213 X213 J214 X214 J215 X215 J216 X216 J217
X217 J218 X218 J219 X219 J220 X220 J221 X221 J222 X222 J223 X223 J224 X224 J225
X225 J226 X226 J227 X227 J228 X228 J229 X229 J230 X230 J231 X231 J301 X301 J302
X302 J303 X303 J304 X304 J305 X305 J306 X306 J308 X308 J309 X309 J310 X310 J312
X312 J313 X313 J314 X314 J316 X316 J317 X317 J318 X318 J320 X320 J321 X321 J322
X322 J324 X324 J325 X325 J326 X326 J328 X328 J329 X329 J330 X330 J401 X401 J402
X402 J403 X403 J404 X404 J405 X405 J406 X406 J407 X407 J408 X408 J409 X409 J410
X410 J411 X411 J412 X412 J413 X413 J414 X414 J415 X415 J416 X416 J417 X417 J418
X418 J419 X419 J420 X420 J421 X421 J422 X422 J423 X423 J424 X424 J425 X425 J426
X426 J427 X427 J428 X428 J429 X429 J430 X430 J432 X432 J501 X501 J502 X502 J503 
X503 J504 X504 J505 X505 J506 X506 J507 X507 J508 X508 J509 X509 J510 X510 J511 
X511 J512 X512 J513 X513 J514 X514 J516 X516 J517 X517 J518 X518 J519 X519 J520 
X520 J521 X521 J522 X522 J523 X523 J524 X524 J525 X525 J526 X526 J601 X601 J602 
X602 J603 X603 J604 X604 J606 X606 J607 X607 J608 X608 J609 X609 J611 X611 J612 
X612 J613 X613 J614 X614 J616 X616 J617 X617 J618 X618 J619 X619 J620 X620 J622 
X622 J623 X623 J624 X624 J626 X626 J627 X627 J628 X628 J630 X630 J631 X631 J632 
X632 J634 X634 J635 X635 J636 X636 J701 X701 J702 X702 J703 X703 J704 X704 J705 
X705 J707 X707 J708 X708 J709 X709 J710 X710 J711 X711 J713 X713 J714 X714 J715 
X715 J716 X716 J717 X717 J718 X718 J720 X720 J721 X721 J722 X722 J723 X723 J724 
X724 J725 X725 J726 X726 J727 X727 J728 X728 J802 X802 J803 X803 J804 X804 J805 
X805 J806 X806 J807 X807 J808 X808 J809 X809 J810 X810 J811 X811 J812 X812 J813 
X813 J814 X814 J815 X815 J816 X816 J817 X817 J819 X819 J820 X820 J821 X821 J822 
X822 J823 X823 J824 X824 J825 X825 J826 X826 J827 X827 J828 X828 J829 X829 J830 
X830 J902 X902 J903 X903 J904 X904 J905 X905 J906 X906 J907 X907 J908 X908 J909 
X909 J911 X911 J912 X912 J913 X913 J914 X914 J915 X915 J916 X916 J917 X917 J918 
X918 J920 X920 J931 X931 J1002 X1002 J1004 X1004 J1005 X1005 J1006 X1006 J1007 
X1007 J1008 X1008 J1009 X1009 J1011 X1011 J1012 X1012 J1013 X1013 J1014 X1014 
J1015 X1015 J1016 X1016 J1017 X1017 J1018 X1018 J1020 X1020 J1032 X1032 J1034 
X1034 J1035 X1035 J1036 X1036 J1037 X1037 J1039 X1039 J1040 X1040 J1041 X1041 
J1043 X1043 J1044 X1044 J1045 X1045 J1046 X1046 J1101 X1101 J1102 X1102 J1103 
X1103 J1104 X1104 J1105 X1105 J1106 X1106 J1107 X1107 J1108 X1108 J1109 X1109 
J1110 X1110 J1111 X1111 J1112 X1112 J1114 X1114 J1115 X1115 J1116 X1116 J1117 
X1117 J1118 X1118 J1119 X1119 J1120 X1120 J1121 X1121 J1122 X1122 J1123 X1123 
J1125 X1125 J1126 X1126 J1127 X1127 J1128 X1128 J1129 X1129 J1130 X1130 J1131 
X1131 J1132 X1132 J1133 X1133 J1134 X1134 J1136 X1136 J1201 X1201 J1202 X1202 
J1203 X1203 J1205 X1205 J1206 X1206 J1207 X1207 J1208 X1208 J1210 X1210 J1211 
X1211 J1212 X1212 J1214 X1214 J1215 X1215 J1216 X1216 J1217 X1217 J1218 X1218 
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J2010 X2010 J2011 X2011 J2012 X2012 J2013 X2013 J2014 X2014 J2015 X2015 J2016 
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X6332 J6333 X6333 J6334 X6334 J6335 X6335 J6336 X6336 J6337 X6337 J6401 X6401 
J6402 X6402 J6403 X6403 J6405 X6405 J6406 X6406 J6407 X6407 J6408 X6408 J6409 
X6409 J6410 X6410 J6411 X6411 J6412 X6412 J6413 X6413 J6414 X6414 J6415 X6415 
J6417 X6417 J6418 X6418 J6420 X6420 J6421 X6421 J6423 X6423 J6424 X6424 J6425 
X6425 J6426 X6426 J6427 X6427 J6428 X6428 J6429 X6429 J6430 X6430 J6431 X6431 
J6432 X6432 J6435 X6435 J6436 X6436 J6437 X6437 J6438 X6438 J6439 X6439 J6503 
X6503 J7401 X7401 J7402 X7402 J7405 X7405 J7406 X7406 J7407 X7407 J7408 X7408 
J7409 X7409 J7410 X7410 J7411 X7411 J7412 X7412 J7415 X7415 J7416 X7416 J7417 
X7417 J7418 X7418 J7419 X7419 J7420 X7420 J8000 X8000 J8005 X8005 J8007 X8007 
J8011 X8011 J8012 X8012 J8016 X8016 J8018 X8018 J8019 X8019 J8020 X8020 J8021 
X8021 J8022 X8022 J8023 X8023 J8024 X8024 J8098 X8098 J8099 X8099 J8100 X8100 
J8101 X8101 J8102 X8102 J8103 X8103 J8104 X8104 J8105 X8105 J8106 X8106 J8107 
X8107 J8108 X8108 J8109 X8109 J8111 X8111 J8112 X8112 J8113 X8113 J8114 X8114 
J8115 X8115 J8116 X8116 J8117 X8117 J8119 X8119 J8120 X8120 J8121 X8121 J8122 
X8122 J8123 X8123 J8124 X8124 J8125 X8125 J8126 X8126 J8127 X8127 J8128 X8128 
J8129 X8129 J8130 X8130 J8163 X8163 J8164 X8164 J8166 X8166 J8167 X8167 J8168 
X8168 J8169 X8169 J8170 X8170 J8171 X8171 J8172 X8172 J8318 X8318 J8319 X8319 
J8320 X8320 J8321 X8321 J8322 X8322 J8323 X8323 J8324 X8324 J8325 X8325 J8326 
X8326 J8327 X8327 J8328 X8328 J8329 X8329 J8330 X8330 J8331 X8331 J8332 X8332 
J8333 X8333 J8334 X8334 J8335 X8335 J8336 X8336 J8337 X8337 J8338 X8338 J8339 
X8339 J8340 X8340 J8341 X8341 J8342 X8342 J8343 X8343 J8344 X8344 J8345 X8345 

J24103 X24103 J24104 X24104 J24515 X24515 J24516 X24516 J24517 X24517 J24518 
X24518 J24519 X24519 J24520 X24520 J24521 X24521 J24522 X24522 J24523 X24523 
J24524 X24524 J24525 X24525 J24526 X24526 J24527 X24527 J24531 X24531 J24532 
X24532 J24533 X24533 J24534 X24534 J24535 X24535 J24536 X24536 J24537 X24537 
J24538 X24538 J24539 X24539 J24540 X24540 J24541 X24541 J24542 X24542 J24543 
X24543 J24544 X24544 J24545 X24545 J24601 X24601 J24602 X24602 J24603 X24603 
J24604 X24604 J24605 X24605 J24606 X24606 J24607 X24607 J24608 X24608 J24609 
X24609 J24610 X24610 J24611 X24611 J24612 X24612 J24703 X24703 J24704 X24704 
J25115 X25115 J25116 X25116 J25117 X25117 J25118 X25118 J25119 X25119 J25120 
X25120 J25121 X25121 J25122 X25122 J25123 X25123 J25124 X25124 J25125 X25125 
J25126 X25126 J25127 X25127 J25131 X25131 J25132 X25132 J25133 X25133 J25134 
X25134 J25135 X25135 J25136 X25136 J25137 X25137 J25138 X25138 J25139 X25139 
J25140 X25140 J25141 X25141 J25142 X25142 J25143 X25143 J25144 X25144 J25145 
X25145 J25201 X25201 J25202 X25202 J25203 X25203 J25204 X25204 J25205 X25205 
J25206 X25206 J25207 X25207 J25208 X25208 J25209 X25209 J25210 X25210 J25211 
X25211 J25212 X25212 J25852 X25852 J25853 X25853 J25854 X25854 J25855 X25855 
J25856 X25856 J25857 X25857 J25858 X25858 J25859 X25859 J25860 X25860 J25861 
X25861 J26001 X26001 J26002 X26002 J26004 X26004 J26005 X26005 J26007 X26007 
J26008 X26008 J26009 X26009 J26011 X26011 J26012 X26012 J26014 X26014 J26015 
X26015 J26016 X26016 J26017 X26017 J26018 X26018 J26019 X26019 J26020 X26020 
J26022 X26022 J26023 X26023 J26024 X26024 J26025 X26025 J26026 X26026 J26027 
X26027 J26028 X26028 J26029 X26029 J26030 X26030 J26031 X26031 J26032 X26032 
J26033 X26033 J26034 X26034 J26035 X26035 J26036 X26036 J26038 X26038 J26039 
X26039 J26040 X26040 J26041 X26041 J26042 X26042 J26043 X26043 J26044 X26044 
J26045 X26045 J26046 X26046 J26047 X26047 J26048 X26048 J26049 X26049 J26101 
X26101 J26102 X26102 J26103 X26103 J26104 X26104 J26105 X26105 J26106 X26106 
J26107 X26107 J26108 X26108 J26109 X26109 J26110 X26110 J26111 X26111 J26112 
X26112 J26113 X26113 J26114 X26114 J26115 X26115 J26116 X26116 J26117 X26117 
J26118 X26118 J26119 X26119 J26120 X26120 J26121 X26121 J26122 X26122 J26123 
X26123 J26124 X26124 J26125 X26125 J26126 X26126 J26127 X26127 J26129 X26129 
J26130 X26130 J26131 X26131 J26132 X26132 J26133 X26133 J26134 X26134 J26135 
X26135 J26136 X26136 J26137 X26137 J26138 X26138 J26139 X26139 J26140 X26140 
J26141 X26141 J26142 X26142 J26143 X26143 J26144 X26144 J26145 X26145 J26146 
X26146 J26147 X26147 J26148 X26148 J26149 X26149 J26150 X26150 J26151 X26151 
J26152 X26152 J26153 X26153 J26154 X26154 J26155 X26155 J26156 X26156 J26201 
X26201 J26202 X26202 J26203 X26203 J26205 X26205 J26206 X26206 J26207 X26207 
J26208 X26208 J26209 X26209 J26210 X26210 J26211 X26211 J26212 X26212 J26213 
X26213 J26214 X26214 J26215 X26215 J26216 X26216 J26217 X26217 J26218 X26218 
J26219 X26219 J26220 X26220 J26221 X26221 J26222 X26222 J26223 X26223 J26224 
X26224 J26225 X26225 J26226 X26226 J26227 X26227 J26228 X26228 J26229 X26229 
J26230 X26230 J26231 X26231 J26232 X26232 J26317 X26317 J26318 X26318 J26322 
X26322 J26323 X26323 J26324 X26324 J26325 X26325 J26326 X26326 J26327 X26327 
J26328 X26328 J26329 X26329 J26330 X26330 J26331 X26331 J26334 X26334 J26335 
X26335 J26341 X26341 J26342 X26342 J26343 X26343 J26344 X26344 J26345 X26345 
J26346 X26346 J26347 X26347 J26348 X26348 J26349 X26349 J26350 X26350 J26404 
X26404 J26405 X26405 J26411 X26411 J26412 X26412 J26413 X26413 J26414 X26414 
J26415 X26415 J26416 X26416 J26417 X26417 J26418 X26418 J26419 X26419 J26420 
X26420 J26421 X26421 J26422 X26422 J26423 X26423 J26424 X26424 J26425 X26425 
J26426 X26426 J26432 X26432 J26433 X26433 J26439 X26439 J26445 X26445 J26446 
X26446 J26447 X26447 J26448 X26448 J26449 X26449 J26450 X26450 J26456 X26456 
J26457 X26457 J26458 X26458 J26459 X26459 J27201 X27201 J27202 X27202 J27203 
X27203 J27204 X27204 J27205 X27205 J27206 X27206 J27207 X27207 J27208 X27208 
J27209 X27209 J27210 X27210 J27211 X27211 J27212 X27212 J27213 X27213 J27214 
X27214 J27215 X27215 J27216 X27216 J27218 X27218 J27219 X27219 J27220 X27220 
J27221 X27221 J27222 X27222 J27223 X27223 J27224 X27224 J27225 X27225 J27226 
X27226 J27228 X27228 J27229 X27229 J27230 X27230 J27231 X27231 J27232 X27232 
J27233 X27233 J27234 X27234 J27235 X27235 J27236 X27236 J27238 X27238 J27239 
X27239 J27240 X27240 J27241 X27241 J27242 X27242 J27243 X27243 J27244 X27244 
J27245 X27245 J27246 X27246 J27248 X27248 J27249 X27249 J27250 X27250 J27251 
X27251 J27252 X27252 J27253 X27253 J27254 X27254 J27255 X27255 J27256 X27256 
J27258 X27258 J27259 X27259 J27300 X27300 J27301 X27301 J27302 X27302 J27303 
X27303 J27304 X27304 J27305 X27305 J27306 X27306 J27308 X27308 J27309 X27309 
J27310 X27310 J27311 X27311 J27312 X27312 J27313 X27313 J27314 X27314 J27315 
X27315 J27316 X27316 J27318 X27318 J27319 X27319 J27320 X27320 J27321 X27321 
J27322 X27322 J27323 X27323 J27324 X27324 J27325 X27325 J27326 X27326 J27328 
X27328 J27329 X27329 J27330 X27330 J27331 X27331 J27332 X27332 J27333 X27333 
J27334 X27334 J27335 X27335 J27336 X27336 J27337 X27337 J27338 X27338 J27339 
X27339 J27340 X27340 J27341 X27341 J27342 X27342 J27343 X27343 J27344 X27344 
J27345 X27345 J27346 X27346 J27348 X27348 J27349 X27349 J27350 X27350 J27351 
X27351 J27352 X27352 J27353 X27353 J27354 X27354 J27355 X27355 J27356 X27356 
J27358 X27358 J27359 X27359 X40002 X40008 X40009 X40010 X40013 X40018 X40019 
X40032 X40034 X40037 X40045 J50001 X50001 J50002 X50002 J50003 X50003 J50004 
X50004 J50005 X50005 J50006 X50006 J50007 X50007 J50008 X50008 J50009 X50009 
J50010 X50010 J50011 X50011 J50012 X50012 J50013 X50013 J50014 X50014 J50015 
X50015 J50016 X50016 J50017 X50017 J50018 X50018 J50019 X50019 J50020 X50020 
J50021 X50021 J50022 X50022 J50023 X50023 J50024 X50024 J50025 X50025 J50026 
X50026 J50027 X50027 J50028 X50028 J50029 X50029 J50030 X50030 J50031 X50031 
J50032 X50032 J50033 X50033 J50034 X50034 J50035 X50035 J50036 X50036 J50040 
X50040 J50041 X50041 J50042 X50042 J50043 X50043 J50044 X50044 J50045 X50045 
J50046 X50046 J50047 X50047 J50048 X50048 J50049 X50049 J50050 X50050 J50051 
X50051 J50052 X50052 J50053 X50053 J50054 X50054 J50055 X50055 J50060 X50060 
J50061 X50061 J50062 X50062 J50063 X50063 J50064 X50064 J50065 X50065 J50066 
X50066 J50067 X50067 J50068 X50068 J50069 X50069 J50070 X50070 J50071 X50071 
J50072 X50072 J50073 X50073 J50074 X50074 J50075 X50075 J50076 X50076 J50077 
X50077 J50078 X50078 J50079 X50079 J50080 X50080 J50081 X50081 J50082 X50082 
J50083 X50083 J50084 X50084 J50085 X50085 J50086 X50086 J50087 X50087 J50088 
X50088 J50089 X50089 J50090 X50090 J50091 X50091 J50092 X50092 J50093 X50093 
J50094 X50094 J50095 X50095 J50096 X50096 J50097 X50097 J50098 X50098 J50099 
X50099 J50100 X50100 J50201 X50201 J50202 X50202 J50203 X50203 J50204 X50204 
J50205 X50205 J50206 X50206 J50207 X50207 J50208 X50208 J50209 X50209 J50210 
X50210 J50211 X50211 J50212 X50212 J50213 X50213 J50214 X50214 J50215 X50215 
J50216 X50216 J50220 X50220 J50221 X50221 J50222 X50222 J50223 X50223 J50224 
X50224 J50225 X50225 J50226 X50226 J50227 X50227 J50228 X50228 J50229 X50229 
J50230 X50230 J50231 X50231 J50232 X50232 J50240 X50240 J50241 X50241 J50242 
X50242 J50243 X50243 J50244 X50244 J50245 X50245 J50246 X50246 J50247 X50247 
J50248 X50248 J50249 X50249 J50250 X50250 J50251 X50251 J50252 X50252 J50260 
X50260 J50261 X50261 J50262 X50262 J50263 X50263 J50264 X50264 J50265 X50265 
J50266 X50266 J50267 X50267 J50268 X50268 J50269 X50269 J50270 X50270 J50271 
X50271 J50272 X50272 J50273 X50273 J50274 X50274 J50275 X50275 J50276 X50276 
J50277 X50277 J50278 X50278 J50279 X50279 J50280 X50280 J50281 X50281 J50282 
X50282 J50283 X50283 J50284 X50284 J50285 X50285 J50286 X50286 WGT0195 WGT0296

K50002 K50004 K50006 K50008 K50010 K50012 K50014 K50016 K50018 K50020
K50022 K50024 K50026 K50028 K50030 K50032 K50034 K50036 K50053 K50055
K50061 K50064 K50067 K50069 K50072 K50073 K50075 K50076 K50078 K50079
K50080 K50082 K50083 K50084 K50086 K50087 K50089 K50091 K50092 K50094 
K50095 K50097 K50100 K50228 K50231 K50232 K50248 K50251 K50252 K50261 
K50263 K50265 K50267 K50269 K50271 K50273 K50275 K50277 K50279 K50281
K50283 K50286
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