 Variance    --------------------- --------------- --------------- -- --------------- --------------- -- -------------- --------------                                                                                                                                            self-         not self-          $>$ med.       $\le$ med.            risk         not risk   sample                   employed        employed            income          income            tolerant       tolerant   change per year           0.0000          0.0000             0.0000          0.0000             0.0000         0.0000   $\%$ change '00-'00       000$\%$         00